Banca di Bologna Credito Cooperativo SWIFT/BIC code

SWIFT/BIC code of Banca di Bologna Credito Cooperativo

The 8-character code BDBOIT22 and the 11-character code BDBOIT22XXX refer to one and the same institution: Banca di Bologna Credito Cooperativo, with its head office in Bologna. The code does one job: it makes sure that money from abroad reaches the right bank. It comes up mostly when dealing with payments that cross a border and payments in foreign currencies.

This page is meant to help people who sends money to an account at Banca di Bologna Credito Cooperativo. A SWIFT code names an institution, not a single account; the IBAN or account number does that.

Choosing between the 33 SWIFT codes of Banca di Bologna Credito Cooperativo

We have 33 SWIFT/BIC codes for Banca di Bologna Credito Cooperativo, spread over 21 locations. Besides the head office code BDBOIT22XXX, there are codes for branches, departments or specific services.

For the vast majority of payments to a private or business account, the head office code BDBOIT22XXX is the right choice. Only use a branch code when the recipient gives you that exact code, for example on an invoice or in their bank details.

Unsure which code applies? Ask the recipient or the bank itself. Branch codes are more prone to be retired than the head office code when a bank merges or closes offices.

Why Banca di Bologna Credito Cooperativo has an 8- and an 11-character code

The layout of every SWIFT code never changes: a bank code of four letters, a two-letter country code and a two-character location code, plus an optional branch code. That gives you BDBOIT22, the short form of the code.

XXX at the end of BDBOIT22XXX is not a placeholder or a mistake: it indicates the main office of Banca di Bologna Credito Cooperativo. Some banking apps insist on 11 characters, in which case you simply add XXX after BDBOIT22.

Enter the code as one block, in capitals and without spaces. A wrong letter can send a payment to another bank, so copy it carefully.

Sending EUR to Banca di Bologna Credito Cooperativo

Italy pays in the Euro, with the currency code EUR. When you pay another currency, the amount gets converted somewhere along the way – by your bank, by Banca di Bologna Credito Cooperativo or by a bank in between. There is rarely a separate charge for the conversion; it is built into the rate.

Who converts the money makes a difference. Compare how much EUR the recipient gets with several services.

Exchange rates move during the day. On larger amounts, even small gap in the rate can be worth more than the fee.

What to give a sender who pays you at Banca di Bologna Credito Cooperativo

For a transfer from abroad into your account at Banca di Bologna Credito Cooperativo, the sender has to have more than the SWIFT code. Give them the account holder’s name, your account number or IBAN, SWIFT code BDBOIT22XXX and your address.

Certain sending banks also ask for the address of Banca di Bologna Credito Cooperativo; it does no harm to include it. Check each detail before you send them.

The amount you receive can be less than what was sent. Intermediary banks may deduct a fee, Banca di Bologna Credito Cooperativo may charge for incoming payments, and if the money is converted, an exchange rate margin comes on top. Agree with the sender who pays which costs, especially for larger amounts.

Before you send: check the Banca di Bologna Credito Cooperativo code

Ask the recipient to copy the account details straight from their banking app. Check it against BDBOIT22 here.

A wrong SWIFT code can cause a delay, a returned payment or extra fees along the way. Do not forget the account number: a mistake there can be more difficult to correct than a wrong code.

A format check in your banking app only confirms that the code is valid, not that it is the right account. Some banks now check the name against the account; take any warning seriously. When you pay someone new, some people send a small amount first before sending the rest.

Do you need BDBOIT22 for a SEPA transfer?

Inside SEPA, euro transfers to an account in Italy use the same rules. The BIC field is often optional for those payments.

For anything other than euros and for senders outside SEPA, BDBOIT22XXX remains required. Some forms still show a field for the BIC out of habit; in that case, fill in BDBOIT22.

Instant euro transfers are widely supported within SEPA; check with Banca di Bologna Credito Cooperativo whether it applies to your account. Charges on SEPA transfers tend to be low as long as everything stays in euros.

How long does an international transfer to Banca di Bologna Credito Cooperativo take?

An international transfer typically takes anywhere from one to several business days. Weekends and public holidays in either country can add extra days, since banks do not process on those days. Sometimes a bank asks about the purpose of a payment, which can hold things up.

A growing number of banks use SWIFT gpi. Each payment carries a unique reference, the UETR, which your bank can use to see where the money is. Specialist transfer services often provide a status online showing how far the money is.

A missing payment is traced by the sending bank on the basis of the transfer details. On the receiving end, it helps to check your account to see a partial amount.

Scams that use SWIFT codes

Stay alert if someone unexpectedly asks you to pay into another account or a bank in another country. The fact that BDBOIT22 exists is no guarantee that the account is genuine.

Do not rely on a phone number from the same email that contains the change. Be suspicious of time pressure, odd spelling or a sender address that is slightly off. Acted too fast? Contact the bank you paid from without delay and have them try to recall the payment.

People receiving money can be targeted as well: one known trick is a buyer who pays too much and then sends a request to send back the difference to another account. A payment confirmation from the sender is no proof.

Where our SWIFT data comes from

We gather bank codes from publicly available data and check them from time to time. Institutions merge, change names and retire codes, and a directory never catches every change immediately. The figures on this page reflect our own data and not on information from Banca di Bologna Credito Cooperativo itself.

Treat our data as a reference, not as the last word. GoldexPay is independent of Banca di Bologna Credito Cooperativo; we are a comparison site for money transfers. Spotted outdated information? Tell us through the contact page.

Paying someone abroad from your Banca di Bologna Credito Cooperativo account

An international bank payment costs rather more than the fee suggests. You pay the transfer fee, sometimes fees charged by intermediary banks in between and, most importantly, the exchange rate markup when the money is converted.

The markup on the rate is often the biggest cost, and it is easy to miss. Check the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

For many currency pairs, a specialist provider is cheaper than a traditional bank transfer. On GoldexPay we compare what recipients receive with different providers, which makes the cheapest option easy to spot. You can always keep your account at Banca di Bologna Credito Cooperativo, while a cheaper service handles the conversion.