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SWIFT/BIC code UNCRITM185Y

UNCRITM185Y belongs to Unicredit SPA in Messina, Italy.

UNCRITM185Y

Code details

SWIFT/BIC codeUNCRITM185Y
8-character codeUNCRITM1
Branch code85Y
BankUnicredit SPA
BranchMessina
CityMessina
CountryItaly

How the Unicredit SPA SWIFT/BIC works

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.
85Y 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 branch is behind SWIFT code UNCRITM185Y?

The code UNCRITM185Y belongs to Messina, part of Unicredit SPA in Messina, Italy. Use this branch code only when the account is held at this specific branch.

What does each part of UNCRITM185Y mean?

UNCR is the institution code of Unicredit SPA, IT is the ISO code of Italy, M1 is the location code and 85Y identifies the department Messina.

How long does it take to send money to Unicredit SPA?

SEPA payments in euros normally arrive the next business day. Payments in other currencies can take 1–3 business days.

Do I need UNCRITM185Y for a euro transfer to Italy?

Italy belongs to the SEPA area. For euro transfers the IBAN is usually enough and many banks fill in the BIC automatically. If you send another currency you do need UNCRITM185Y.

What happens if I use UNCRITM185Y incorrectly?

Your transfer can bounce, get stuck or cost extra. Double-check UNCRITM185Y against the details from Unicredit SPA before you confirm.

Can I use UNCRITM1 instead of UNCRITM185Y?

UNCRITM1 points to the main office of Unicredit SPA, while UNCRITM185Y points to Messina. Most international transfers work with the head office code, yet follow the instructions of the recipient if they mention UNCRITM185Y.

Source: listbase-org SWIFT/BIC database (MIT licence), updated monthly. Always verify the code with the recipient or their bank.