Uco Bank SWIFT/BIC code

Uco Bank SWIFT code: UCBAINBB

The 8-character code UCBAINBB and the full code UCBAINBBXXX refer to the same bank: Uco Bank, with its head office in Mumbai. A BIC does one job: it makes sure that an international payment ends up at the right bank. In practice you mostly come across the code on international invoices, in your banking app and on the account details of Uco Bank customers.

On this page you will find how the code means, when it matters and which other details a transfer to or from Uco Bank requires. The SWIFT code alone cannot identify an individual account holder; that is what the account number or IBAN is for.

Verifying the SWIFT code of Uco Bank

Have the recipient copy the bank details directly from their banking app. When the code you were given differs from UCBAINBB or UCBAINBBXXX, stop and ask – contact the recipient or Uco Bank.

A wrong SWIFT code may lead to a delay, a returned payment or additional charges for investigation. Remember the IBAN: a mistake there can be harder to undo than a wrong code.

A validity check by your bank merely tells you that the code is valid – not that it belongs to the person you mean to pay. Some banks now check the name against the account before you confirm; take any warning seriously. For a first payment, some people start with a small test amount before sending the rest.

Scams that use SWIFT codes

Be alert when someone suddenly wants you to pay into a different account. A real SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Before paying, confirm changed bank details by phone on a number you know, not one from the message. Be suspicious of time pressure, unusual wording or a sender address that is slightly off. When money was sent to the wrong account, call your bank right away.

Fraud also work the other way: someone sends more than agreed and wants you to return the extra via a different route. A screenshot of a transfer is no proof.

Where our SWIFT data comes from

The directory on GoldexPay draws on public sources and we update it periodically. It is possible that a code on this page is out of date, for example after a merger. The figures on this page are based on what is in our directory.

Use our data as a starting point, rather than as the last word – the bank details from the recipient are leading. GoldexPay is a comparison site and not part of Uco Bank. Spotted outdated information? Tell us via our contact form so we can correct it.

Paying someone abroad from your Uco Bank account

The price of a payment abroad is made up of more than one component, and the transfer fee is only the most visible one. There is the fee for the transfer itself, sometimes charges from correspondent banks along the way and, above all, the margin on the exchange rate.

Many banks do not list their exchange rate markup separately – you only notice it if you compare. Compare their rate with the mid-market rate.

For a lot of routes, a specialist provider turns out to be less expensive than a bank – mostly thanks to the rate. Before your next transfer, take a minute to compare what arrives via GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not mean leaving Uco Bank: you simply pay the service from your account.

Uco Bank: head office code versus branch codes

Our directory lists 76 SWIFT/BIC codes for Uco Bank. Besides the head office code UCBAINBBXXX, you will find codes for branches, departments or specific services.

If nobody asks you for a branch code, use UCBAINBBXXX. A branch code only makes sense if the account holder explicitly mentions it.

When in doubt, check with the recipient for the exact BIC in their bank details. Branch codes can change over time, so do not rely on old paperwork.

Getting paid from abroad into a Uco Bank account

If you expect money from abroad, give the sender everything they need in one go. The basics are: your name, account number or IBAN, UCBAINBBXXX or UCBAINBB and in many cases your postal address.

Some sending banks want the bank’s address in Mumbai; it does no harm to include it. A typo in your account number can be more trouble than you might think; copy them from your banking app rather than typing.

What lands in your account is often lower than what was sent. Fees for incoming transfers differ from bank to bank; check the price list of Uco Bank. For business payments, it is common to agree who bears the costs, so that nobody is left short.

UCBAINBB or UCBAINBBXXX – which one to use?

A SWIFT code is built from fixed blocks: the first four letters identify the bank, the next two show the country and the two after that mark the location. Combined, those parts form UCBAINBB – the version you usually see online.

Many banks and apps work with either length. If a form asks for eleven characters, enter UCBAINBBXXX; if it wants eight, use UCBAINBB.

In practice the code is typed in capitals. A wrong character may route a payment to a different institution.

How long does an international transfer to Uco Bank take?

How fast a payment reaches Uco Bank is determined by a few things: the currency, how many intermediary banks are involved, cut-off times and time zones. Bank holidays in the sending or receiving country add a day or more. Occasionally a bank wants to know what the payment is for.

Many banks are connected to SWIFT gpi. Each gpi transfer carries a unique reference, the UETR, which your bank can use to see where the money is. Specialist transfer services usually provide a status in their app showing where the money 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.

Indian Rupee (INR) and conversion costs

Most accounts at Uco Bank are typically held in INR, the local currency. If you send money in a different currency gets converted at some point. There is rarely a separate charge for the conversion – the cost sits in the rate.

Who does the conversion has an effect on how much arrives. Sending the amount already in INR usually avoids an extra conversion – as long as your own rate is good.

Exchange rates move during the day, and some providers let you lock in a rate. With bigger transfers, even seemingly small difference in the rate can be worth more than the fee.