SWIFT/BIC code FFBMMEPGXXX
FFBMMEPGXXX belongs to Universal Capital Bank in Podgorica, Montenegro.
Code details
| SWIFT/BIC code | FFBMMEPGXXX |
|---|---|
| 8-character code | FFBMMEPG |
| Branch code | XXX |
| Bank | Universal Capital Bank |
| Branch | Head office |
| City | Podgorica |
| Country | Montenegro |
How the Universal Capital Bank SWIFT/BIC works
A SWIFT/BIC code has 8 or 11 characters. Each part has a fixed meaning:
- FFBM Bank code
- 4 letters that identify the bank.
- ME Country code
- 2 letters for the country (ISO 3166).
- PG Location code
- 2 characters for the city or region of the head office.
- XXX Branch code
- 3 characters for a specific branch. XXX means the head office.
Check before you send
- Ask the recipient which bank and branch the account is held at.
- Use the head office code (XXX) when no branch is specified.
- Make sure the country in the code matches the country of the account.
Frequently asked questions
Which bank uses BIC FFBMMEPGXXX?
The code FFBMMEPGXXX belongs to the headquarters of Universal Capital Bank in Podgorica, Montenegro. Use it when you send money to an account at Universal Capital Bank.
Does Universal Capital Bank use a single SWIFT/BIC code?
Yes, FFBMMEPGXXX is the only SWIFT/BIC code listed for Universal Capital Bank in Montenegro, so there is no branch code to choose.
What is the best way to send money to Universal Capital Bank in Montenegro?
Banks often add 1–3% to the exchange rate on top of a fee. Check the amount that arrives in Euro with transfer services before you send – the difference can be large.
What happens if I enter FFBMMEPGXXX with a typo?
The payment may be delayed, returned or charged extra fees. Double-check FFBMMEPGXXX with the recipient before sending.
Are FFBMMEPG and FFBMMEPGXXX the same SWIFT code?
Yes, they are. FFBMMEPG is the short version of FFBMMEPGXXX. XXX simply means head office, so either version will reach Universal Capital Bank in Podgorica.
How long does a transfer to Universal Capital Bank take in Montenegro?
A SWIFT payment typically takes 1–5 business days, because of intermediary banks and cut-off times. Money transfer services are often faster and cheaper.
Source: listbase-org SWIFT/BIC database (MIT licence), updated monthly. Always verify the code with the recipient or their bank.