Unicredit Bank Czech Republic and Slovakia, A.s. SWIFT/BIC code

Unicredit Bank Czech Republic and Slovakia, A.s. SWIFT code: BACXCZPP

BACXCZPP and BACXCZPPXXX are two spellings of the same bank identifier, and both lead to Unicredit Bank Czech Republic and Slovakia, A.s. in Prague. A SWIFT code tells every bank in the chain which institution is meant to get the money, a bit like a postal address for banks. In daily life you usually see it on invoices from abroad, in payment forms and in the bank details of Unicredit Bank Czech Republic and Slovakia, A.s. customers.

Further down we go through the practical questions: money coming in from abroad, paying someone in another country and how to verify a SWIFT code before you confirm a payment. Keep in mind that the SWIFT code just identifies the bank, not the person: the IBAN or account number takes care of that.

About this information

The codes here come from public sources which we refresh regularly. It is possible that information on this page is no longer current after a merger or reorganisation. The figures on this page are based on what is in our directory, not official figures from Unicredit Bank Czech Republic and Slovakia, A.s..

See the information here as a helpful check. GoldexPay is an independent comparison site for money transfers and not affiliated with Unicredit Bank Czech Republic and Slovakia, A.s.. If you notice a mistake, we appreciate a short note.

Head office or branch code at Unicredit Bank Czech Republic and Slovakia, A.s.?

Unicredit Bank Czech Republic and Slovakia, A.s. has 3 separate SWIFT/BIC codes across 1 locations. One of them is the head office code; the others belong to branches or departments.

For most payments to a private or business account, the head office code BACXCZPPXXX works fine. If you have been given a specific code, stick to it instead of replacing it with the head office code.

If you are not sure, check with the recipient for the exact BIC in their bank details. Branch codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

What a transfer from Unicredit Bank Czech Republic and Slovakia, A.s. abroad really costs

What you pay for a payment abroad has several parts – not just the fee on your screen. There is the transfer fee, sometimes charges from correspondent banks along the way and, most importantly, the margin on the exchange rate when the money is converted.

The real cost is often in the rate, rather than in the fee: the bank converts using an exchange rate with a margin built in. Check their rate with the mid-market rate; the gap is what conversion costs you.

Money transfer services often offer a rate near the mid-market rate with clearer fees. Next time you send money, take a minute comparing the total cost via GoldexPay rather than accepting the bank’s rate by default. You can always keep your account at Unicredit Bank Czech Republic and Slovakia, A.s.; only the conversion and sending happen elsewhere.

Paying into Unicredit Bank Czech Republic and Slovakia, A.s. in CZK

Most accounts at Unicredit Bank Czech Republic and Slovakia, A.s. are typically held in CZK, the local currency of Czechia. If you send money in a different currency, the amount has to be converted at some point. Each conversion costs something – usually through the rate rather than a fee.

Who converts the money makes a difference, because each party uses its own rate. In many cases you pay less to send CZK straight away through a transfer service with a good rate.

Rates for CZK change all the time, and some providers let you lock in a rate. With bigger transfers, even small difference in the rate adds up quickly.

SEPA payments and the Unicredit Bank Czech Republic and Slovakia, A.s. BIC

Since Czechia is in SEPA, a euro payment to Unicredit Bank Czech Republic and Slovakia, A.s. from another SEPA country normally requires just an IBAN. Many banks do not require the BIC in that case.

Outside the euro and from non-SEPA countries, BACXCZPPXXX remains part of the payment details. If your banking app asks for the BIC anyway, entering BACXCZPP does no harm.

Euro payments within SEPA usually arrive within one business day; instant payments are faster if both banks offer them. Fees for SEPA transfers are generally low.

How to check BACXCZPP 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 BACXCZPP or BACXCZPPXXX, stop and ask: check with the recipient or with Unicredit Bank Czech Republic and Slovakia, A.s. directly.

A wrong SWIFT code may lead to a delay, a returned payment or additional charges for investigation. A mistake in the account number can be a bigger problem, because the money may be credited to someone else; check it just as carefully.

A validity check in your banking app merely tells you that the code is valid, not that it is the right account. More and more banks compare the payee name against the account. When you pay someone new, many people start with a small amount first and wait for confirmation.

Scams that use SWIFT codes

Be wary if a contact suddenly asks you to pay into a different account. The fact that BACXCZPP exists is no guarantee that the account is genuine – fraudsters use real bank codes as well.

Do not trust a phone number in the same message that announces the change. Be suspicious of time pressure, unusual wording or a sender address that is slightly off. Already paid? Call your bank without delay and have them start a recall.

Recipients can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to refund the difference to another account. A payment confirmation from the sender is no proof; only your own account shows what has arrived.

What the XXX in BACXCZPPXXX means

Each SWIFT/BIC code starts with the same eight core characters: a four-letter bank code, two letters for the country and a two-character location code. That gives you BACXCZPP, the short form of the code.

Most payment forms accept both lengths. If yours asks for eleven characters, use BACXCZPPXXX, otherwise BACXCZPP is fine.

Type the code as one block, in capitals and without separators. A wrong letter may route the money to a different institution.

When will the money arrive at Unicredit Bank Czech Republic and Slovakia, A.s.?

An international transfer typically needs anywhere from one to several business days, depending on the currency, the route and the banks involved. Payments made after the cut-off time or on weekends and holidays often start the next business day. Sometimes a bank wants to know what the payment is for before releasing it.

If the money seems delayed, ask the sending bank about the tracking status or the UETR so they can trace it along the chain. Save the payment confirmation until the recipient confirms.

Only the sending bank is able to request a trace or a recall; the receiving side usually has nothing to trace yet. Request from the sender a copy of the payment confirmation including the reference.

Incoming international payments to Unicredit Bank Czech Republic and Slovakia, A.s.

When you expect money from abroad, send the payer all details at once. The basics are: your name, account number or IBAN, BACXCZPPXXX or BACXCZPP and often your postal address.

The sender’s bank might also ask for the bank address of Unicredit Bank Czech Republic and Slovakia, A.s.. A mistake in the IBAN is harder to fix than you might think.

Money from abroad does not always arrive for the full amount. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate comes on top. For business payments, it is common to state how the fees are split, so that nobody is left short.