Union Bank of India SWIFT/BIC code

UBINBE22 – the SWIFT/BIC code of Union Bank of India

Whether a recipient gives you UBINBE22 or UBINBE22XXX, it is the same address for Union Bank of India in Belgium. Banks worldwide use these codes to direct payments between countries to the right bank. You will need it mainly when dealing with payments that cross a border or a currency.

This page is meant to help people who receives money at an account at Union Bank of India without mistakes. The SWIFT code on its own does not identify an individual account holder; that is what the account number or IBAN .

Changed bank details? Be careful

Stay alert when someone unexpectedly wants you to send money to another account. A valid SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Never trust a phone number in the same message that announces the new account. Watch out for urgent requests, unusual wording or a sender address that is slightly off. Acted too fast? Contact the bank you paid from without delay and have them start a recall; also report it to the police.

Fraud can also target the receiver. Someone claims to have sent more than agreed and wants you to refund the extra via a different route. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

How to check UBINBE22 before you pay

The most reliable source for the BIC is the recipient’s own bank details. If the code you have does not match UBINBE22 or UBINBE22XXX, stop and ask: check with the recipient or with Union Bank of India directly.

Mistakes in the BIC are costly rather than fatal: often the payment comes back, minus fees. Remember the account number: a mistake there can be more difficult to undo than a wrong code.

Many banking apps validate the format of an IBAN, but that does not prove the account belongs to the right person. Some banks now compare the name with the account before you confirm – do not ignore a mismatch warning. For a first payment, many people send a small amount first.

Sending money abroad from Union Bank of India

The price of a payment abroad has several parts, and the transfer fee is only the most visible one. Besides the transfer fee, banks in between may take a cut, and if currencies are converted the bank often applies a rate below the actual market rate.

That exchange rate margin is often the largest cost even though it is not listed as a fee. An easy check: set the rate you get next to the mid-market rate and work out the difference on your amount.

For many routes, a specialist provider is less expensive than a bank, mainly because of the exchange rate. Next time you send money, take a minute to compare what arrives on GoldexPay. Using a transfer service does not mean closing your account at Union Bank of India: you simply pay the service from your account.

UBINBE22 or UBINBE22XXX – which one to use?

A BIC is made up of a few fixed parts: characters one to four stand for the bank, characters five and six show the country and the two after that indicate the location. Combined, these eight characters form UBINBE22.

XXX at the end of UBINBE22XXX is not a missing value or a mistake: it indicates the head office of Union Bank of India. Some banking apps ask for 11 characters, and then you simply add XXX after UBINBE22.

Type the code as one block, in capitals and without spaces, exactly as shown here. Copying the code is safer than retyping it, because one wrong letter changes the bank.

Choosing between the 2 SWIFT codes of Union Bank of India

Union Bank of India uses 2 separate SWIFT/BIC codes across 1 locations. Only one is the head office code; the rest identify branches or departments.

For the vast majority of payments to a private or business account, the head office code UBINBE22XXX is the right choice. When you receive a specific code, use it as it is instead of replacing it with the head office code.

Unsure which code applies? Check with the recipient or the bank itself. Codes for branches are more likely to change than UBINBE22XXX.

Paying Union Bank of India in euros within SEPA

Belgium belongs to the SEPA area, where euro transfers follow common rules. For a regular euro transfer from another SEPA country, you normally only need the IBAN; many banks no longer ask for the BIC.

You still need UBINBE22XXX when sending payments in other currencies or money from outside the SEPA area. If a payment form has a field for the BIC regardless, entering UBINBE22 is fine.

Euro payments within SEPA usually arrive by the next business day. Charges on SEPA transfers tend to be low as long as everything stays in euros.

Sending EUR to Union Bank of India

Belgium uses the Euro, with the currency code EUR. When you pay money in a different currency, the amount gets converted somewhere along the way. There is rarely a separate charge for that conversion.

Who does the conversion affects the final amount, since every bank sets its own rate. Compare how much EUR arrives via different services.

The rate for EUR fluctuates throughout the day. If you pay regularly, small differences in the rate add up over time.

Transfer times and tracking a payment to Union Bank of India

There is no single delivery time for every transfer: some land the same day or the next while others need several business days. Transfers sent after the cut-off time or on weekends and holidays often start a business day later. Sometimes a bank asks about the purpose of a payment, which can hold things up.

A growing number of banks use SWIFT gpi for faster and traceable payments. Every gpi transfer gets a unique reference, the UETR that banks can use to trace it. Specialist transfer services usually provide a status online showing how far the payment is.

The bank that sent the money is able to start an official trace; the receiving side usually has nothing to trace yet. Ask the sender for the payment receipt including the reference; that often settles the question quickly.

Receiving money from abroad at Union Bank of India

Someone abroad who wants to pay you needs a few details about your account – incomplete details often cause delays. Give them the account holder’s name, the IBAN or account number, the BIC UBINBE22XXX and your address.

Certain sending banks also ask for the address of Union Bank of India in Antwerpen, so keep it at hand. A mistake in the IBAN is more trouble than you might think, so copy the details from your online banking.

Money from abroad does not always arrive for the full amount. Fees for incoming transfers differ from bank to bank; check the price list of Union Bank of India. Make clear with the sender who covers the fees.

About this information

We collect bank codes using publicly available data and check our list from time to time. Even so, banks merge, rename themselves or retire codes. Counts and locations are from our own dataset.

Before any payment that matters, always check the code with the recipient’s bank or with the recipient. GoldexPay is not affiliated with Union Bank of India, we only compare transfer services. Found outdated information? Tell us through the contact page so we can correct it.