Theoretically for payment fulfilment in Europe it is enough to know a SWIFT code of a bank and IBAN code of the addressee. Way to the further perfection and decrease in expenses Special service of SWIFT - MACUG (Member Administered Closed User Group - the Closed group of users under the direction of Member of SWIFT) was created for this purpose. For reduction of cost of connection and the costs connected both with a technical aspect and with management of SWIFT complex Service bureaus will be organised in the countries . Migration from connections to FIN on X.25 to SWIFTNet FIN will allow both to users and most SWIFT to cut the expenses by refusal of use of network X.25 and the out-of-date technologies accompanying the given protocol that already takes place in some countries. Each bank included in system has unique SWIFT code. Own connection.Creation of own hardware-software complex of SWIFT CBT (Computer Based Terminal) the connected user established directly in user's territory. Usage of SWIFT at realisation of calculations with corporate clients becomes an important direction in development of settlement infrastructures of banks.