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SWIFT/BIC code UNCRITM1M21

UNCRITM1M21 belongs to Unicredit SPA in Garda, Italy.

UNCRITM1M21

Code details

SWIFT/BIC codeUNCRITM1M21
8-character codeUNCRITM1
Branch codeM21
BankUnicredit SPA
BranchGarda
CityGarda
CountryItaly

The way 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.
M21 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 is behind SWIFT code UNCRITM1M21?

UNCRITM1M21 is the SWIFT/BIC code of Garda, a unit of Unicredit SPA in Garda, Italy. Use this branch code only when the recipient or their bank explicitly asks for it.

Does Unicredit SPA have more SWIFT/BIC codes?

Yes – we list 3315 SWIFT/BIC codes for Unicredit SPA in Italy. You can see them all on the bank page.

What do the letters in UNCRITM1M21 stand for?

UNCR is the institution code of Unicredit SPA, IT stands for Italy, M1 is the location code and M21 is the code of the department Garda.

Do I need UNCRITM1M21 for a euro transfer to Italy?

Italy is part of the SEPA area. When you send euros the IBAN is usually enough and many banks fill in the BIC automatically. If you send another currency you do need UNCRITM1M21.

How long does a transfer to Unicredit SPA take in Italy?

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

Can I use UNCRITM1 instead of UNCRITM1M21?

UNCRITM1 is the main office of Unicredit SPA, while UNCRITM1M21 points to Garda. For a normal transfer the head office code is usually fine, but use UNCRITM1M21 if the recipient asks for it.

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