Note:
Bank Refah reserves the right in its discretion to change without prior warning or notice any information or material contained on this Web Site and the terms and conditions under which this Web Site is used.

SWIFT Correspondents Of The Bank Refah (Europe) The following list includes the names and SWIFT BICs of our correspondents to whom we are connected through SWIFT and though which we do the banking services such as opening letter of credits, issuance of letter of guarantees, transfers and payment orders, issuing certificates for participating in international tenders and issuing drafts in the shortest time. We have also hold accounts with the ticked ones.

COUNTRY		A/C	NAME	BIC
1	AUSTRIA		ERSTE BANK DER OESTERREICHISCHEN SPARKASSEN AG, VIENNA	GIBAATWW
2	AUSTRIA		RAIFFEISENLANDES BANK (LINZ), VIENNA	RZOOAT2L
3	AUSTRIA		SKWB SCHOELLERBANK AG (FORMERLY SCHOELLERBANK AKTIENGESELLSCHAFT), VIENNA	SCHOATWW
4	AUSTRIA		SOCIETE GENERALE, VIENNA	SGABATWW
5	AUSTRIA		BANK AUSTRIA A/G CREDITANSTALT, VIENNA	BKAUATWW
6	AUSTRIA		RAIFFEISEN ZENTRAL BANK OESTERREICH AG, VIENNA (All branches in world)	RZBAATWW
7	BELGIUM		FORTIS BANK S.A./N.V. BRUSSELS, BRUSSELS (All Branches in Belgium)	GEBABEBB
8	BELGIUM		KBC BANK NV, BRUSSELS	KREDBEBB
9	BELGIUM		LLOYDS BANK, BRUSSELS	LOYDBEBB
10	BELGIUM		ING BELGIUM NV/SA (FORMERLY BANK BRUSSELS LAMBERT SA), BRUSSELS	BBRUBEBB
11	BULGARIA		BUL BANK LTD, SOFIA	BFTBBGSF
12	BULGARIA		RAIFFEISENBANK (BULGARIA) AD, SOFIA	RZBBBGSF
13	BULGARIA		UNITED BULGARIAN BANK, SOFIA	UBBSBGSF
14	CROATIA		RAIFFEISENBANK AUSTRIA, ZAGREB	RZBHHR2X
15	CYPRUS		BANK OF CYPRUS LTD., NICOSIA (LEFKOSIA)	BCYPCY2N010
16	CYPRUS		FEDERAL BANK OF THE MIDDLE EAST LIMITED, NICOSIA (Lefkosia)	FBMECY2N
17	CZECH REPUBLIC		CESKOSLOVENSKA OBCHODNI BANKA A.S, PRAGUE (All branches in world)	CEKOCZPP
18	CZECH REPUBLIC		RAIFFEISEN BANK, PRAGUE	RZBCCZPP
19	DENMARK		DEN DANSKE BANK, COPENHAGEN (All branches in world)	DABADKKK
20	ESTONIA		AS SAMPO PANK (FORMERLY OPTIVA BANK), TALLINN	FOREEE2X
21	FINLAND		SAMPO BANK PLC (FORMERLY LEONIA BANK) (HEAD OFFICE), HELSINKI	PSPBFIHH
22	FINLAND		NORDEA BANK FINLAND PLC, HELSINKI	NDEAFIHH
23	FINLAND		OKOBANK OSUUSPANKKIEN KESKUSPANKKI OYJ, HELSINKI	OKOYFIHH
24	FRANCE		BANK SADERAT IRAN, PARIS	BSIRFRPP
25	FRANCE		BANQUE NATIONALE DE PARIS S.A. (HEAD OFFICE), PARIS (All branches in world)	BNPAFRPP
26	FRANCE		CREDIT AGRICOLE INDOSUEZ, PARIS	BSUIFRPP
27	FRANCE		CREDIT LYONNAIS, PARIS	CRLYFRPP
28	FRANCE		NATEXIS BANQUES POPULAIRES (HEAD OFFICE PARIS), CHARENTON LE PONT	CCBPFRPP
29	FRANCE		SOCIETE GENERALE, PARIS	SOGEFRPP
30	FRANCE		UNION DE BANQUES ARABES ET FRANCAISES, PARIS	UBAFFRPP
31	FRANCE		BANK MELLI IRAN, PARIS	MELIFRPP
32	FRANCE		BANK SEPAH IRAN, PARIS	SEPBFRPP
33	FRANCE		BANK TEJARAT IRAN, PARIS	BTEJFRPP
34	GERMANY		ARAB BANKING CORPORATION - DAUS UND CO GMBH, FRANKFURT	ABCADEFF
35	GERMANY		BADEN - WUERTTEMBERGISCHE BANK AG, STUTTGART	BWBKDE6S
36	GERMANY		BANK OF TOKYO - MITSUBISHI LTD. HAMBURG, HAMBURG	BOTKDEHX
37	GERMANY		BANK SADERAT IRAN, HAMBURG	BSIRDEHH
38	GERMANY		BERLINER BANK NIEDERLASSUNG DER BANKGESELLSCHAFT BERLIN AG, BERLIN	BEBEDEBB
39	GERMANY		DZ BANK AG DEUTSCHE ZENTRAL GENOSSENSCHAFTSBANK, FRANKFURT	GENODEFF
40	GERMANY		DZ BANK AG DEUTSCHE ZENTRAL - GENOSSENSCHAFTSBANK (GZ-BANK AG), FRANKFURT	GENODE55
41	GERMANY		DZ BANK AG DEUTSCHE ZENTRAL - GENOSSENSCHAFTSBANK (GZ-BANK AG), KARLSRUHE	GENODE6K
42	GERMANY		DZ BANK AG DEUTSCHE ZENTRAL - GENOSSENSCHAFTSBANK (GZ-BANK AG), STUTTGART	GENODESG
43	GERMANY		UFJ BANK LIMITED DUSSELDORF BRANCH, DUESSELDORF	SANWDEDX
44	GERMANY		WESTDEUTSCHE LANDESBANK GIROZENTRALE, DUESSELDORF	WELADEDD
45	GERMANY		BANK MELLI IRAN, HAMBURG	MELIDEHH
46	GERMANY		BANK SADERAT IRAN, FRANKFURT	BSIRDEFF
47	GERMANY		BANK SEPAH IRAN, FRANKFURT	SEPBDEFF
48	GERMANY		BAYERISCHE HYPO UND VEREINSBANK AG, MUENCHEN	HYVEDEMM
49	GERMANY		COMMERZBANK AG, FRANKFURT (All branches in World)	COBADEFF
50	GERMANY		DEUTSCHE BANK AG, FRANKFURT (All branches in Germany)	DEUTDEFF
51	GERMANY		DRESDNER BANK, FRANKFURT (All branches in Germany)	DRESDEFF
52	GERMANY		ING BHF - BANK AKTIENGESELLSCHAFT (HEAD OFFICE), FRANKFURT	BHFBDEFF
53	GERMANY		BANK OF TOKYO - MITSUBISHI, LTD.,THE, DUESSELDORF	BOTKDEDX
54	GERMANY		EUROPAEISCH - IRANISCHE HANDELSBANK AG, HAMBURG	EIHBDEHH
55	GREECE		BANK SADERAT IRAN, ATHENS	BSIRGRAA
56	HUNGARY		KERESKEDELMI ES HITELBANK RT, BUDAPEST	OKHBHUHB
57	HUNGARY		RAIFFEISEN BANK RT, BUDAPEST	UBRTHUHB
58	ITALY		BANCA DI ROMA S.P.A., ROMA	BROMITRD
59	ITALY		BANCA POPOLARE DI SONDRIO, SONDRIO	POSOIT22
60	ITALY		BANCA POPOLARE DI VERONA - BANCO S.GEMINIANO E S.PROSPERO, VERONA	VRBPIT2V
61	ITALY		BANCA POPOLARE FRIULADRIA SPA, PORDENONE	BPPNIT2P
62	ITALY		FORTIS BANK - MILANO (FORMERLY GENERALE BANK), MILANO	GEBAITMM
63	ITALY		UBAE ARAB ITALIAN BANK, ROME	UBAIITRR
64	ITALY		UNICREDITO ITALIANO SPA, MILANO	UNCRITMM
65	ITALY		BANCA NAZIONALE DEL LAVORO, ROME (All branches in world)	BNLIITRR
66	ITALY		BANK SEPAH IRAN, ROME	SEPBITRR
67	ITALY		INTESABCI S.P.A. (FORMERLY BANCA COMMERCIALE ITALIANA S.P.A.), MILANO (All branches in world)	BCITITMM
68	LUXEMBOURG		BANQUE GENERALE DU LUXEMBOURG S.A, LUXEMBOURG	BGLLLULL
69	NETHERLANDS		ING BANK, AMSTERDAM	INGBNL2A
70	NETHERLANDS		ABN AMRO BANK N.V, ROTTERDAM	ABNANL2R
71	NETHERLANDS		FORTIS BANK (NEDERLAND) N.V., ALL DUTCH OFFICES	FTSBNL2R
72	NETHERLANDS		HOLLANDSCHE BANK - UNIE N.V., ROTTERDAM	HBUANL2R
73	NETHERLANDS		SOCIETE GENERALE, AMSTERDAM	SOGENL2A
74	NETHERLANDS		ABN AMRO BANK N.V, AMSTERDAM	ABNANL2A
75	NORWAY		UNION BANK OF NORWAY, OSLO	UBNONOKK
76	NORWAY		DEN NORSKE BANK, OSLO (All branches in world)	DNBANOKK
77	POLAND		BANK POLSKA KASA OPIEKI SPOLKA AKCYJNA, ELBLAG	PKOPPLPW
78	POLAND		BANK ROZWOJU EKSPORTU S.A., WARSZAWA	BREXPLPW
79	POLAND		RAIFFEISEN - CENTROBANK AG, WARSZAWA	RCBWPLPW
80	POLAND		KREDYT BANK S.A., WARSZAWA	KRDBPLPW
81	PORTUGAL		BANCO ESPIRITO SANTO S.A., LISBON	BESCPTPL
82	RUSSIAN FEDERATION		BANK MELLI IRAN ZAO., MOSCOW	MELIRUMM
83	RUSSIAN FEDERATION		COMMERCIAL INNOVATION BANK - ALFA-BANK, MOSCOW	ALFARUMM
84	RUSSIAN FEDERATION		ING BANK (EURASIA) ZAO, MOSCOW	INGBRUMM
85	RUSSIAN FEDERATION		KURSKPROMBANK, KURSK	KURSRU22
86	RUSSIAN FEDERATION		RAIFFEISENBANK AUSTRIA O.O.O., MOSCOW	RZBMRUMM
87	RUSSIAN FEDERATION		SAVINGS BANK OF THE RUSSIAN FEDERATION, MOSCOW	SABRRUMM
88	SERBIA&MONTENEGRO		ZEPTER BANKA A.D., BEOGRAD	ZEPTCSBG
89	SLOVAKIA		TATRA BANKA A.S., BRATISLAVA	TATRSKBX
90	SLOVENIA		NOVA LJUBL JANSKA BANKA D.D, LJUBLJANA	LJBASI2X
91	SPAIN		BANCO BILBAO VIZCAYA ARGENTARIA S.A, MADRID	BBVAESMM
92	SPAIN		BANCO SANTANDER CENTRAL HISPANO S.A, MADRID (All branches in world)	BSCHESMM
93	SPAIN		CAIXA D'ESTALVIS I PENSIONS DE BARCELONA (LA CAIXA), BARCELONA	CAIXESBB
94	SPAIN		DEUTSCHE BANK SOCIEDAD ANONIMA ESPANOLA, BARCELONA (All branches in world)	DEUTESBB
95	SPAIN		BANCO DE SABADELL S.A, SABADELL (All branches in Spain)	BSABESBB
96	SWEDEN		SVENSKA HANDELSBANKEN, STOCKHOLM	HANDSESS
97	SWEDEN		NORDEA BANK SWEDEN AB, STOCKHOLM	NDEASESS
98	SWEDEN		SKANDINAVISKA ENSKILDA BANKEN, STOCKHOLM	ESSESESS
99	SWITZERLAND		BANQUE CANTONALE VAUDOISE, LAUSANNE	BCVLCH2L
100	SWITZERLAND		BANQUE DE COMMERCE ET DE PLACEMENTS S.A., GENEVA	BPCPCHGG
101	SWITZERLAND		BNP PARIBAS (SUISSE) S.A. (FORMERLY UNITED EUROPEAN BANK), GENEVA	UEBGCHGG
102	SWITZERLAND		DEUTSCHE BANK AG ZURICH BRANCH, ZURICH	DEUTCHZZ
103	SWITZERLAND		SOCIETE GENERALE PARIS ZURICH BRANCH, ZURICH	SGABCHZZ
104	SWITZERLAND		UBS AG, ZURICH	UBSWCHZH
105	SWITZERLAND		ZUERCHER KANTONALBANK, ZURICH	ZKBKCHZZ
106	SWITZERLAND		CREDIT SUISSE (FIRST BOSTON) (HEAD OFFICE), ZURICH	CRESCHZZ80A
107	TURKEY		ASYA FINANS KURUMU A.S., ISTANBUL	ASYATRIS
108	TURKEY		TEKFENBANK A.S., ISTANBUL	TEKFTRIS
109	TURKEY		BANK MELLAT IRAN, ISTANBUL	BKMTTRIS
110	TURKEY		PAMUK BANK, ISTANBUL (All branches in Turkey)	PAMUTRIS
111	UKRAINE		UKREXIMBANK (STATE EXPORT - IMPORT BANK OF UKRAINE), KIEV	EXBSUAUX
112	UNITED KINGDOM		BANK OF TOKYO MITSUBISHI, LONDON	BOTKGB2L
113	UNITED KINGDOM		HSBC BANK PLC (FORMERLY MIDLAND BANK PLC) (ALL U.K. OFFICES), LONDON	MIDLGB22
114	UNITED KINGDOM		PERSIA INTERNATIONAL BANK PLC, LONDON	PIBPGB2L
115	UNITED KINGDOM		STANDARD BANK, LONDON	SBLLGB2L
116	UNITED KINGDOM		STANDARD CHARTERED BANK, LONDON	SCBLGB2L
117	UNITED KINGDOM		UFJ BANK LIMITED - LONDON BRANCH, LONDON	SANWGB2L
118	UNITED KINGDOM		BANK MELLI IRAN, LONDON	MELIGB2L
119	UNITED KINGDOM		BANK SADERAT PLC, LONDON	BSPLGB2L
120	UNITED KINGDOM		BANK SEPAH IRAN, LONDON	SEPBGB2L

For more information please contact International Department of Bank Refah
Tel.:+98-21-804-2926
E-mail: international@bankrefah.ir
Address: 40, Northern Shiraz St.
MollaSadra Ave., Vanak Sq.
Tehran, Iran

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Bank Refah was founded in June 1960, in accordance with Note 39 of the previous year's Budget Law, with the aim of providing welfare and facilities in order to meet the workers' needs. Its initial investment of 400 million I.R.R. was designated by Social Security Organization. In 1979, following the bill on administration of banking affairs and nationalization of the banks, Bank Refah was considered as a commercial bank and in July 1993, it was being supported by S.S.O owning 46% shares of the bank.