Theoretically for payment fulfilment in Europe it is enough to know a SWIFT code of a bank and IBAN code of the addressee. The given service allows the financial organisations to connect to the SWIFT network of the big clients correspondents branches and affiliated structures and also to establish for them rules of realisation of calculations. 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to SWIFTNet FIN will allow both to users and most SWIFT to cut the expenses by refusal of use of network X.25 and the out-of-date technologies accompanying the given protocol that already takes place in some countries. In 2000 by means of FIN it was transferred over 1.2 billion messages. Daily over 9 million messages is transferred. Connection details to the head financial organisation should be found out directly from the financial organisations giving similar service. Theoretically for payment fulfilment in Europe it is enough to know a SWIFT code of a bank and IBAN code of the addressee. It leads to simplification of an operational environment of work of the organisation and cuts expenses on the maintenance of two various technical infrastructures.