Russia has already been banned from SWIFT.
I think in 2022 or 2023.
Ask AI: Is russia locked out of the swift banking system
Answer: ... not all Russian banks were banned. Sberbank, Russia’s largest bank, and Gazprombank, which handles payments related to Russian oil and gas exports, were exempted from the SWIFT ban, due to the European Union’s reliance on Russian energy imports. This exemption was intended to prevent disruptions to energy flows to Europe, even though these banks remain subject to other sanctions.
When Russia is totally locked out then we we see 47 getting serious - the sanctions against Lukoil and Rosneft are steps in that direction.