344 currency code. My personal opinion

“When numbering personal accounts in categories 6 - 8, the currency code is entered in accordance with the currency codes contained in the All-Russian Currency Classifier (OK-014-94) and amendments to it.
An exception is the use of the currency code of the Russian Federation - the Russian ruble. When making payments on the territory of the Russian Federation in Russian rubles and when numbering accounts, the “old” currency code “Russian ruble 810” is used. For international payments, when the currency code is a separate requisite of payment documents, the “new” code of the Russian ruble “643” is entered in these documents.

Question . Please provide clarification regarding the use of the ruble sign in the personal account number when carrying out transactions on accounts in the currency of the Russian Federation.

Answer. In accordance with the order of the Bank of Russia dated December 3, 2015 No. OD-3433 “On the use of all-Russian classifiers” (as amended), in order to ensure the mandatory use of all-Russian classifiers when creating information systems and information resources of the Bank of Russia, regulatory and other acts of the Bank of Russia establish requirements on the use of the following classification characteristics of the currency of the Russian Federation in the information-analytical and accounting-operational systems of the Bank of Russia: name of the currency - “Russian ruble”, digital code - “643”, letter code - “RUB”.
The digital code “810” and the letter code “RUR”, excluded from the All-Russian Classifier of Currencies by Amendment 6/2003 OKV from March 1, 2004, are not used in the information, analytical and accounting and operational systems of the Bank of Russia.
At the same time, in relation to the issue of establishing order numbering of personal accounts when carrying out transactions on accounts in the currency of the Russian Federation, the requirements for the use of classification characteristics of the currency of the Russian Federation are established by Bank of Russia Regulation No. 579-P dated February 27, 2017 “On the Chart of Accounts for Credit Institutions and the Procedure for its Application” (hereinafter referred to as Regulation No. 579 -P) and letter of the Bank of Russia dated December 4, 2000 No. 176-T (hereinafter referred to as letter No. 176-T).
In accordance with Appendix 1 to Regulation No. 579-P, when carrying out transactions on accounts in the currency of the Russian Federation, the ruble sign “810” is used. In this case, the ruble sign “810” is a mandatory component of the personal account number.
According to letter No. 176-T, the Russian ruble code “643” is used for international payments, when the currency code is a separate requisite of payment documents.
This clarification confirms that ruble accounts in Russia are issued using the digital code 810. When making payments:

• If payments are made within Russia, then when filling out a payment document, the ruble sign 810 (000-00-810-0-0000-0000000) is used in the account number.
• If payments from a ruble account are sent outside of Russia, then the Russian ruble currency code 643 is used, provided that it is a separate detail of payment documents.

• The account was opened by you before June 20, 1991 and is subject to compensation payments in accordance with Federal Law No. 73-FZ of May 10, 1995 “On the restoration and protection of savings of citizens of the Russian Federation.” What was the amount of funds in the account on this date? If 90 rubles, then you should have received three or two times compensation from the amount of the deposit balance. Did you receive it or not?? The amount is small (378 rubles or 252 rubles), but still.
• Based on the balance of funds in your account as of March 1, 1991 (taking into account clause 1), in accordance with Decree of the President of the USSR dated March 22, 1991 N UP-1708, there should have been a one-time increase in the amount of savings by 40 percent of the deposit balance . This is 36 rubles. When visiting the bank in 1998, you first had to enter the amount of one-time compensation in the savings book according to UP-1708, and then make an entry for the change in the face value of the ruble (90 to 0.09) or 90 + 36 = 126 rubles / 1000 = 0, 13 rubles (12.6 kopecks after rounding 13 kopecks).
• Now about your words “make it so that you can use your savings book account through the SberbankOnline application.” The bank did not change your old account number to a new one, but simply closed the old account and opened a new one for you with a full range of services, transferring the balance of the old deposit to it; in accordance with accounting, there is no other way to do this. In fact, these are two different accounts.

You should have been given a new savings book for the new account, which, according to the new legislation, is now issued only at the request of the client.

Currency codes of individual countries of the world and their use when creating accounts in Banks of Russia

• U.S. dollar;
• EU Euro;
• English Pound Sterling;
• Japanese yen;
• CNY.
• Russian ruble

Currency codes of all countries were developed by the State Standard of Russia and the Central Bank of the Russian Federation and included in the OKV (All-Russian Classifier of Currencies). The currency codes of the individual countries listed above are as follows:

The account number opened for an individual in a bank for certain needs (for placing a deposit, for receiving a salary or pension, for making other payments) always consists of 20 numbers that can be conventionally designated as follows - AAA BB BBB G DDDD EEEEE

When numbering accounts, the currency code is in digits 6 - 8, this is BBB

The currency code shows in what currency the account is opened and it must comply with the All-Russian Currency Classifier (OKV), with the exception of ruble accounts.

Credit organizations located on the territory of the Russian Federation carry out accounting in accordance with the rules given in the Regulation of the Bank of Russia dated February 27, 2017 No. 579-P “On the Chart of Accounts for Credit Institutions and the Procedure for its Application.”

So, for example, for ruble accounts of individuals the currency code is 810, for US dollar accounts - 840, for accounts in Euros - 978, for accounts in Chinese yuan - 156. This is, for example, how the formation of accounts opened in the section “ Other accounts of individuals" (Regulations of the Bank of Russia dated February 27, 2017 No. 579-P):

• Ruble account - 408-17-810-0-0000-0000000 *
• Dollar account - 408-17-840-0-0000-0000000
• Account in RMB - 408-17-156-0-0000-0000000

The All-Russian Currency Classifier (OCC) is part of the Unified System of Classification and Coding of Technical, Economic and Social Information (ESCC) of the Russian Federation.

Directory of currencies OK (MK (ISO 4217) 003-97) 014-2000 (approved by Decree of the State Standard of Russia dated December 25, 2000 No. 405-st) is used for forecasting foreign economic relations, accounting for foreign exchange receipts and payments, in accounting and statistical accounting, operational reporting on transactions related to international payments, as well as to monitor compliance with contractual and payment discipline.

For convenience, OKW currencies are grouped in two appendices according to different bases:

• in Appendix A, the sorting is given by names of currencies, arranged in alphabetical order, indicating their alphabetic and numerical codes, as well as countries and territories in which this currency is national;
• Appendix B lists countries and territories in alphabetical order and indicates the names and codes of their currencies.

Currency code 840: US dollar

The digital code of the US dollar currency according to OKV has the value 840. The letter code corresponding to the US dollar currency code 840 is USD.

Currency code 978: euro

The digital code of the euro currency according to the OKW is 978. The letter code of the euro 978 is EUR.

Currency code 643 or 810: ruble

What is the code for the ruble? The currency code for the ruble according to the OKV is 643. Until 01/01/2004, the Russian ruble corresponded to the currency code 810. However, in accordance with Amendment 6/2003 to the OKV approved by the State Standard of the Russian Federation, code 810 for the ruble was replaced by the currency code according to OKV 643. However, periodically it still occurs confusion when answering the question “is the ruble code 810 or 643?” It must be borne in mind that since 01/01/2004 the ruble code is 643. Now the currency code 643 (ruble) corresponds to the Russian code 643 according to the All-Russian Classifier of Countries of the World (OKSM) (put into effect by Gosstandart Resolution No. 529-st dated December 14, 2001), i.e. the OKV 643 code and the OKSM 643 code became the same.

Currency code 826: pound sterling

The pound sterling of the United Kingdom of Great Britain and Northern Ireland has the numerical code 826 and the letter GBP.

Other digital and letter codes, names of currencies, names of countries and territories according to the All-Russian Classifier of Currencies can be found at

All-Russian currency classifier is part of the unified system of classification and coding of social and technical and economic information (ESKK). OKV does not have a multi-level hierarchy, like most classifiers, however, in terms of the direct description of objects and the allocation of blocks for each of them, it complies with accepted norms and standards.

The completeness, content and reliability of the data entered into it is monitored by the VNIIKI of the State Standard of Russia together with the Central Bank of the Russian Federation, which developed this classifier. It is important that during its development, international norms and standards were taken into account, in particular, MK (ISO 4217) 003-97 (Interstate Classifier of Currencies) and the well-known ISO 4217-2000, in turn, invented by ISO - the International Organization for Standardization.

Purpose of OKW

The All-Russian Classifier of Currencies systematizes and organizes the maintenance of statistical accounting, analysis and data processing in the industry assigned to it. OKW materials are used to solve very important government programs and tasks. In the area we are considering, they are the forecast of foreign economic relations, accounting for foreign exchange transactions and payments, ensuring proper accounting and operational reporting related to foreign exchange payments between states, as well as control of payments in foreign currency.

Currency codes in OKW

The objects of this classifier are the currencies of different countries, their official monetary units, each of which is assigned certain currency codes.

Each object (currency) in the classifier corresponds to three blocks: object identification (currency codes), name and additional characteristics. In this case, all monetary units are arranged in ascending order of their digital codes.

Accepted OKV code designations

OKV codes contain 3 characters in digital form and 3 in alphabetic form, where capital Latin letters are used as letters. The structure of the code is as follows: XXX XXX, where the first three characters are numbers, and the last three are letters. A space between them is required. OKV codes are placed before the name of the object, which includes the name of the currency (for example, euro). They are followed by a block of signs, which contains the names of those states and adjacent territories in which the specified currency is the official currency. Currency codes in the classifier always have up-to-date information.