Allianz Bank Financial Advisors SPA SWIFT/BIC code

Allianz Bank Financial Advisors SPA SWIFT code: BKRAITMA

The 8-character code BKRAITMA and the full code BKRAITMAXXX identify one and the same institution: Allianz Bank Financial Advisors SPA, with its head office in Milano. The code does one job: it ensures that a cross-border transfer ends up at the right bank. In daily life you mostly come across the code on invoices from abroad, in your banking app and in the bank details that Allianz Bank Financial Advisors SPA provides.

On this page you can read how the code means, when it matters and what else a transfer to or from Allianz Bank Financial Advisors SPA requires. The SWIFT code alone cannot identify an individual account holder; for that you need the account number or IBAN .

Tracking a transfer to or from Allianz Bank Financial Advisors SPA

How quickly a transfer reaches Allianz Bank Financial Advisors SPA depends on several factors: which currency you send, the number of banks in between, daily processing deadlines and differences in time zone. Weekends and public holidays in either country add a day or more. Occasionally a bank asks about the purpose of a payment before releasing it.

Many banks use SWIFT gpi for faster and traceable payments. Each payment carries a unique reference, the UETR that banks can use to trace it. Money transfer services often show tracking online showing where the money has got.

If the money does not arrive within the expected time, the person who paid needs to start with their own bank, not the receiving bank. Ask the sender for a copy of the payment confirmation; that often settles the question quickly.

What the XXX in BKRAITMAXXX means

Each SWIFT/BIC code has an 8-character core: a four-letter bank code, two letters for the country and two characters for the location. The result is BKRAITMA.

Most payment forms accept both lengths. If a form asks for eleven characters, use BKRAITMAXXX.

Enter the code as one block, in upper case and without separators. Copying the code is safer than typing it by hand.

SEPA payments and the Allianz Bank Financial Advisors SPA BIC

Inside SEPA, euro payments to Allianz Bank Financial Advisors SPA use the same rules and in most cases need only the IBAN. A field for the BIC is often optional for those payments.

Outside the euro and from non-SEPA countries, BKRAITMAXXX or BKRAITMA is still required. A few forms still ask for the BIC; in that case, fill in BKRAITMA or BKRAITMAXXX.

Instant payments in euros are increasingly available within SEPA; check with Allianz Bank Financial Advisors SPA whether it applies to your account. Charges on SEPA payments are generally low as long as everything stays in euros.

What a transfer from Allianz Bank Financial Advisors SPA abroad really costs

A bank transfer abroad costs rather more than the listed fee. Besides a fixed fee, correspondent or intermediary banks may take a cut, and if the money changes currency, the bank usually uses a rate that is less favourable than the real market rate.

Most of the cost usually sits in the exchange rate: the bank converts at a rate with a margin built in. A simple test: set the bank’s rate next to the mid-market rate for the same moment and look at the difference.

Specialised transfer providers often use rates closer to the mid-market rate. On GoldexPay we compare the amount that arrives across providers, which makes the cheapest option easy to spot. Choosing a specialist does not require leaving Allianz Bank Financial Advisors SPA: you simply pay the service from your account.

A note on our data

We collect bank codes using publicly available data and check our list regularly. Banks reorganise, close branches and change codes, and a directory never catches every change immediately. Counts and locations come from our own dataset.

Treat this page as a reference, rather than as the last word: the recipient’s bank details come first. GoldexPay has no connection to Allianz Bank Financial Advisors SPA; we are a comparison site for money transfers. If you notice something that is out of date, we appreciate a message.

What to give a sender who pays you at Allianz Bank Financial Advisors SPA

To receive an international payment at Allianz Bank Financial Advisors SPA, the person paying you needs more than the BIC. What they need is: your name, account number or IBAN, BKRAITMAXXX or BKRAITMA and often your home address.

Their bank may also ask for the address of your bank; the head office in Milano is usually fine. Check the details before you send them.

The amount you receive can be lower than the amount sent. Fees for incoming transfers vary per bank; check the price list of Allianz Bank Financial Advisors SPA. Make clear with the sender who covers the fees, especially for larger amounts.

Which of the 2 codes of Allianz Bank Financial Advisors SPA do you need?

Allianz Bank Financial Advisors SPA has 2 different SWIFT/BIC codes across 1 locations. Only one is the head office code, BKRAITMAXXX; the rest identify branches or departments, and sometimes specific services.

If nobody asks you for a branch code, use BKRAITMAXXX or its short form BKRAITMA. If you have been given a branch code, use it as it is instead of replacing it for the head office code.

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.

Sending EUR to Allianz Bank Financial Advisors SPA

The local currency in Italy is the Euro (EUR). When you pay another currency has to be converted at some point – by your bank, by Allianz Bank Financial Advisors SPA or by a bank in between. Every conversion costs something.

Where the conversion happens affects the final amount, since every bank sets its own rate. Transferring the money directly in EUR usually prevents an extra conversion by Allianz Bank Financial Advisors SPA – as long as your own rate is good.

Rates for EUR move during the day, and some providers let you lock in a rate. On larger amounts, a small difference in the rate adds up quickly.

Watch out for payment fraud

Scammers often send payment requests with changed bank details, sometimes in an email that looks completely genuine. The fact that BKRAITMA exists does not mean that the account is genuine.

Always confirm changed bank details by phone on a number you know, not one from the message. Watch out for urgent requests, unusual wording or an email address that differs by one letter. If money has already gone to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

Scams can also target the receiver: someone claims to have sent more than agreed and wants you to return the extra to a new account. A payment confirmation from the sender proves nothing.

Is BKRAITMA still correct? How to check

The best place to find the correct BIC remains a document from the bank itself like a bank statement or the account page in online banking. Check that code against BKRAITMA on this page; if they differ, ask before you pay.

If the code is wrong, the payment may get stuck, be returned or end up costing more – sometimes after weeks of searching. An error in the account number can be a bigger problem.

An automatic check by your bank only confirms that the code exists – not that it belongs to the person you mean to pay. More and more banks compare the payee name with the account before you confirm – do not ignore a mismatch warning. When you pay someone new, many people start with a small test amount and wait for confirmation.