Unicredit Bank Hungary Zrt. SWIFT/BIC code

SWIFT/BIC code of Unicredit Bank Hungary Zrt.

Whether you are given BACXHUHB or BACXHUHBXXX, you are looking at the same identifier for Unicredit Bank Hungary Zrt. in Hungary. A SWIFT code shows the banks handling a payment which institution is meant to get the money, a bit like a postal address for banks. It comes up mainly for payments that cross a border and payments in foreign currencies.

On this page you will find what the code is put together, when you need it and what else you need for a transfer to or from Unicredit Bank Hungary Zrt.. The SWIFT code alone does not identify a personal account; that is what the account number or IBAN .

Paying Unicredit Bank Hungary Zrt. in euros within SEPA

Within the SEPA zone, euro payments to Unicredit Bank Hungary Zrt. follow common rules, so the IBAN does the job in most cases. The BIC field is usually optional or missing for those payments.

You still need BACXHUHBXXX when sending non-euro payments or money from outside the SEPA area. If a payment form asks for the BIC anyway, entering BACXHUHB is fine.

Instant payments in euros have become widely supported within SEPA; check with Unicredit Bank Hungary Zrt. whether it applies to your account. As long as no currency is converted, the transfer tends to be cheap; it is the conversion that costs money.

Why Unicredit Bank Hungary Zrt. has an 8- and an 11-character code

The structure of a BIC is always the same: four characters for the institution, a two-letter country code and a two-character location code, plus an optional branch code. That gives you BACXHUHB for Unicredit Bank Hungary Zrt..

Many payment forms accept either length. If a form asks for eleven characters, use BACXHUHBXXX, otherwise BACXHUHB is fine.

Leave out spaces when you enter BACXHUHB; the code is always written in one block. A wrong letter can send a payment to a different institution, so check it twice.

Getting paid from abroad into a Unicredit Bank Hungary Zrt. account

If you expect a payment from another country, give the sender everything they need in one go. The basics are: your name, account number or IBAN, BACXHUHBXXX or BACXHUHB and in many cases your home address.

Certain sending banks want the address of Unicredit Bank Hungary Zrt., so keep it at hand. Double-check the details before you share them, because the sender’s bank usually copies them as is.

What lands in your account is often lower than what was sent. Fees for incoming transfers vary per bank. On invoices, you can state who bears the costs, so that nobody is left short.

When will the money arrive at Unicredit Bank Hungary Zrt.?

An international transfer typically needs anywhere from one to several business days. Weekends and public holidays in either country add a day or more. Sometimes a bank wants to know what the payment is for.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer carries a unique reference, the UETR, which your bank can use to see where the money is. Specialist transfer services usually provide tracking online showing how far the payment is.

A delayed transfer has to be traced by the sending bank on the basis of the transfer details. On the receiving end, it helps to check your statements to see a slightly lower amount because fees can reduce the amount.

How up to date is this code?

Our SWIFT/BIC directory is based on publicly available sources and we update it periodically. Banks merge, change names and change codes, and a directory never catches every change immediately. Counts and locations are from our directory and may differ from what Unicredit Bank Hungary Zrt. publishes.

Treat this page as a starting point, not as the last word. GoldexPay has no connection to Unicredit Bank Hungary Zrt.; we are a comparison site for money transfers. If you notice a mistake, we welcome a message.

Sending money abroad from Unicredit Bank Hungary Zrt.

An international bank payment costs more than the fee suggests. On top of the transfer fee, banks in between may deduct a fee, and when the money changes currency, the bank often applies a rate below the actual market rate.

That exchange rate margin is often the largest item. Check their rate against the mid-market rate. The difference is your real conversion cost.

For a lot of currency pairs, a specialist provider is less expensive than a bank, mainly because of the exchange rate. GoldexPay compares these services side by side, showing what actually arrives. You can still keep your account at Unicredit Bank Hungary Zrt. to fund the transfer; only the conversion and sending happen elsewhere.

How to check BACXHUHB before you pay

The safest source for the BIC is the bank details provided by the recipient. When the code you were given does not match BACXHUHB or BACXHUHBXXX, do not guess.

Mistakes in the BIC are costly more than disastrous – usually the money comes back, minus fees and time lost. An error in the IBAN or account number is more serious because it can reach the wrong person; check it just as carefully.

A validity check by your bank only confirms that the code exists, not that it is the right account. If your bank offers it, a payee name check on the recipient gives an extra layer of safety. A small test payment can be worth it for a large first payment, even if it costs an extra fee.

Scams that use SWIFT codes

Fraudsters often use fake invoices with new bank details sent from what looks like a familiar address. A real SWIFT code says nothing about whether the request is genuine.

Always verify changed bank details through a phone call. Pressure or requests to keep it quiet tend to be warning signs – a real supplier can wait a day. If money has already gone to a fraudster, call your bank right away – speed improves the chance of getting it back.

Recipients can be targeted as well: one known trick is an overpayment and then sends a request to refund the difference abroad. Wait until the money is actually in your account and check with Unicredit Bank Hungary Zrt. if anything seems off.

Choosing between the 3 SWIFT codes of Unicredit Bank Hungary Zrt.

Our directory lists 3 SWIFT/BIC codes for Unicredit Bank Hungary Zrt. in 1 cities. Next to the head office code BACXHUHBXXX, you will find codes for individual branches and departments.

Usually you do not need to look up a branch: payments sent to BACXHUHBXXX reach Unicredit Bank Hungary Zrt. without problems. Only use a branch code when the account holder gives you that exact code, for example on a letter or invoice.

Not sure which code applies? Ask the recipient or the bank itself. Codes are sometimes changed or retired over time, so do not rely on old paperwork.

Hungarian Forint (HUF) and conversion costs

The local currency of Hungary is the Hungarian Forint (HUF). When you pay money in a different currency it gets converted at some point: by your bank, an intermediary or Unicredit Bank Hungary Zrt. itself. Every conversion eats into the amount – usually through the rate rather than a fee.

Which bank converts the payment matters, because each party uses its own rate. Compare what HUF the recipient gets via different providers; the difference between options can be larger than you expect.

The HUF rate fluctuates throughout the day and quotes are often valid only for a short time. With bigger transfers, a small gap in the rate adds up quickly.