Union Bank of India SWIFT/BIC code

Union Bank of India SWIFT code: UBININBB

UBININBB and UBININBBXXX are two spellings of the same bank identifier, and both point to Union Bank of India in Mumbai. The code does one job: it ensures that a cross-border transfer reaches the right bank. You will need it mostly for payments that cross a border or a currency.

This page is meant to help people who pays into an account at Union Bank of India without mistakes. A SWIFT code identifies a bank or branch, never a specific account; the IBAN or account number does that.

Scams that use SWIFT codes

Criminals often send fake invoices containing new bank details, sometimes in an email that looks completely genuine. A correct SWIFT code says nothing about who owns the account – scammers simply use real codes.

Verify new bank details through a separate channel like a call to a number from an earlier contract. Urgency and requests to keep it quiet tend to be red flags; a genuine business can wait for you to check. Acted too fast? Contact your bank straight away and have them try to recall the payment.

Fraud can also work the other way. Someone claims to have sent too much and wants you to refund the extra via a different route. A payment confirmation from the sender is no proof – check your own account.

Getting paid from abroad into a Union Bank of India account

For an international payment into your account at Union Bank of India, the person paying you needs more than the SWIFT code. Share your name as the bank knows it, the IBAN or account number, SWIFT code UBININBBXXX and your address.

It helps to include Union Bank of India and Mumbai too. Check every detail before you send them.

Money from abroad does not always land for the full amount. Correspondent banks can take a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin applies. Make clear with the sender who covers the fees.

Why Union Bank of India has an 8- and an 11-character code

A SWIFT code is built from a few fixed parts: characters one to four identify the bank, characters five and six give the country and the two after that indicate the location. Combined, those parts make up UBININBB.

The 11-character version adds three more characters for a branch or department. When those three characters are XXX, they simply mean the head office.

Do not add spaces or dashes when you enter UBININBB; the code is always written in one block. A single letter may route the money to another bank, so copy it carefully.

How to check UBININBB before you pay

Ask the recipient to copy the account details directly from their online banking. If the code you have does not match UBININBB or UBININBBXXX, do not guess – contact the recipient or Union Bank of India.

If the code is wrong, the payment might get stuck, bounce back or end up costing more – sometimes after weeks of searching. An error in the IBAN or account number is a bigger problem, so check that just as carefully.

A validity check in your banking app only confirms that the code is valid – not that it belongs to the person you mean to pay. If your bank offers it, a payee name check on the recipient adds extra certainty. For a first payment, some people start with a small amount first.

Which of the 100 codes of Union Bank of India do you need?

Union Bank of India has 100 different SWIFT/BIC codes across 64 locations. One of them is the head office code; the rest belong to branches or departments.

If nobody asks you for a branch code, go with UBININBBXXX. Branch codes are only needed if the account holder explicitly asks for it.

If you are not sure, check with the recipient which code their bank gave them. Codes for branches are more likely to change than the head office code when a bank merges or closes offices.

Transfer times and tracking a payment to Union Bank of India

How fast a transfer arrives at Union Bank of India depends on several factors: which currency you send, how many intermediary banks are involved, cut-off times and time zones. Weekends and public holidays in either country can add extra days, since banks do not process on those days. Occasionally a bank asks about the purpose of a payment.

Many banks use SWIFT gpi. Every gpi transfer gets a unique reference, the UETR, which your bank can use to see where the money is. Money transfer services often show a status online showing where the money has got.

The bank that sent the money is able to start an official trace or a recall. Request from the sender a copy of the payment confirmation including the reference – it helps your own bank look for the money.

Where our SWIFT data comes from

The codes on this page are taken from public sources that we update regularly. Institutions reorganise, change names and retire codes, and a directory never catches every change immediately. Figures such as the number of codes come from our directory and are not confirmed by Union Bank of India.

Use our data as a starting point, not as the last word: the recipient’s bank details come first. GoldexPay is independent of Union Bank of India, we only compare transfer services. If you notice something that is out of date, we appreciate a short note.

Sending money abroad from Union Bank of India

The price of a payment abroad has more than one component. On top of a fixed fee, correspondent or intermediary banks may deduct a fee, and when currencies are converted, the bank usually applies a rate below the actual market rate.

Many banks rarely show their exchange rate markup as a cost, but you pay it all the same. A simple test: put the rate you get next to the mid-market rate for the same moment and look at the difference.

Money transfer services often offer a rate near the mid-market rate and lower fees. Before your next transfer, take a minute to compare the total cost via GoldexPay rather than accepting the bank’s rate by default. You can still use your account at Union Bank of India to fund the transfer.

Indian Rupee (INR) and conversion costs

India uses the Indian Rupee, code INR. When you pay money in a different currency has to be converted at some point – by your bank, by Union Bank of India or by a bank in between. You rarely see a separate charge for the conversion; it is built into the rate.

Which bank converts the money makes a difference, because each party uses its own rate. Transferring the money already in INR usually prevents a second conversion.

The INR rate fluctuates constantly and quotes are often valid only for a short time. With bigger transfers, a seemingly small gap in the rate can be worth more than the fee.