SWIFT/BIC code UNCRITM1304
UNCRITM1304 belongs to Unicredit SPA in Cagliari, Italy.
Code details
| SWIFT/BIC code | UNCRITM1304 |
|---|---|
| 8-character code | UNCRITM1 |
| Branch code | 304 |
| Bank | Unicredit SPA |
| Branch | Cagliari S. Maria Chiara |
| City | Cagliari |
| Country | Italy |
The way the Unicredit SPA SWIFT/BIC is structured
A SWIFT/BIC code has 8 or 11 characters. Each part has a fixed meaning:
- UNCR Bank code
- 4 letters that identify the bank.
- IT Country code
- 2 letters for the country (ISO 3166).
- M1 Location code
- 2 characters for the city or region of the head office.
- 304 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
What bank is behind BIC UNCRITM1304?
UNCRITM1304 is the SWIFT/BIC code of Cagliari S. Maria Chiara, a branch or department of Unicredit SPA in Cagliari, Italy. Only use it if the recipient or their bank explicitly asks for it.
What happens if I use UNCRITM1304 with a typo?
The payment may be delayed, returned or charged extra fees. Always check UNCRITM1304 against the details from Unicredit SPA before sending.
What do the letters in UNCRITM1304 mean?
UNCR is the institution code of Unicredit SPA, IT stands for Italy, M1 is the code for the city or region and 304 is the code of the branch Cagliari S. Maria Chiara.
What is the best way to send money to Unicredit SPA in Italy?
Banks often add 1–3% to the exchange rate on top of a fee. Check the amount that arrives in Euro with specialist providers before you send – the difference can be large.
How long does a transfer to Unicredit SPA take?
Euro transfers within SEPA usually arrive within one business day, instant payments within seconds. Transfers in other currencies can take 2–4 business days.
Do I need UNCRITM1304 for a euro transfer to Italy?
Italy is part of the SEPA area. For euro transfers the IBAN normally suffices and many banks fill in the BIC automatically. For other currencies you still need UNCRITM1304.
Source: listbase-org SWIFT/BIC database (MIT licence), updated monthly. Always verify the code with the recipient or their bank.