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SWIFT/BIC code UNCRITM1I04

UNCRITM1I04 belongs to Unicredit SPA in Giardini-Naxos, Italy.

UNCRITM1I04

Code details

SWIFT/BIC codeUNCRITM1I04
8-character codeUNCRITM1
Branch codeI04
BankUnicredit SPA
BranchGiardini Naxos Umberto
CityGiardini-Naxos
CountryItaly

How the Unicredit SPA SWIFT/BIC is built up

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.
I04 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 SWIFT code UNCRITM1I04?

UNCRITM1I04 is the SWIFT/BIC code of Giardini Naxos Umberto, a unit of Unicredit SPA in Giardini-Naxos, Italy. Use this branch code only when the account is held at this specific branch.

What happens if I enter UNCRITM1I04 with a typo?

The payment may be delayed, returned or charged extra fees. Always check UNCRITM1I04 against the details from Unicredit SPA before sending.

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

Euro transfers within SEPA normally arrive the next business day. Payments in other currencies can take 1–3 business days.

Do I need UNCRITM1I04 to send euros to Italy?

Italy is part of the SEPA area. When you send euros the IBAN normally suffices and many banks fill in the BIC automatically. For other currencies you do need UNCRITM1I04.

Can I use UNCRITM1 instead of UNCRITM1I04?

UNCRITM1 points to the main office of Unicredit SPA, while UNCRITM1I04 points to Giardini Naxos Umberto. For a normal transfer the head office code is usually fine, but follow the instructions of the recipient if they mention UNCRITM1I04.

What is the cheapest way to send money to Unicredit SPA?

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.

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