Banca Popolare di Puglia e Basilicata SWIFT/BIC code

Banca Popolare di Puglia e Basilicata SWIFT code: BPDMIT3B

Whether a recipient gives you BPDMIT3B or BPDMIT3BXXX, you are looking at the identical address for Banca Popolare di Puglia e Basilicata in Italy. A SWIFT code shows the sending bank exactly which bank is meant to get the money, a bit like a postal address for banks. In practice you mostly see it on invoices from abroad, in your banking app and in the bank details that Banca Popolare di Puglia e Basilicata provides.

On this page you can read how the code is put together, when it matters and which other details you need for a transfer to or from Banca Popolare di Puglia e Basilicata. The BIC names a bank or branch, never a specific account.

SEPA payments and the Banca Popolare di Puglia e Basilicata BIC

Because Italy is part of the SEPA zone, a euro payment into Banca Popolare di Puglia e Basilicata from another SEPA country normally requires just the IBAN. Most banking apps do not require the BIC in that case.

Outside the euro and from non-SEPA countries, BPDMIT3BXXX is still required. If a payment form asks for the BIC regardless, entering BPDMIT3B is fine.

Euro payments within SEPA usually arrive within one business day; instant payments are faster if both banks offer them. Provided no currency is converted, the transfer tends to be inexpensive.

Euro (EUR) and conversion costs

Most accounts at Banca Popolare di Puglia e Basilicata are typically held in EUR, the national currency of Italy. A payment in a foreign currency is exchanged into EUR – and the bank that does it picks the rate. Each conversion eats into the amount – usually through the rate rather than a fee.

Who does the conversion affects how much arrives, as rates and margins differ per bank. Sending the amount directly in EUR often avoids an extra conversion by Banca Popolare di Puglia e Basilicata, provided the rate you get is fair.

Rates for EUR change all the time. If you pay regularly, a slightly better rate add up over time.

8 or 11 characters: BPDMIT3B versus BPDMIT3BXXX

Each SWIFT/BIC code has the same eight core characters: four letters for the bank, two letters for the country and two characters for the location. The result is BPDMIT3B, the short form of the code.

Most banks and apps work with either length. If yours asks for eleven characters, enter BPDMIT3BXXX, otherwise BPDMIT3B is fine.

Do not add spaces, dots when you enter BPDMIT3B. A wrong letter can send a payment to another bank, so check it twice.

About this information

We collect SWIFT/BIC codes from publicly available data and check them regularly. It can happen that a code here is out of date after a merger or reorganisation. Counts and locations come from our directory.

For a payment of any size, check the code with the recipient’s bank or with the recipient. We are an independent comparison site and not part of Banca Popolare di Puglia e Basilicata. Found outdated information? Let us know via our contact form.

Receiving money from abroad at Banca Popolare di Puglia e Basilicata

To receive a transfer from abroad at Banca Popolare di Puglia e Basilicata, the person paying you has to have more than the BIC. That means: your name as registered with Banca Popolare di Puglia e Basilicata, your account number or IBAN, the SWIFT/BIC code BPDMIT3BXXX and sometimes your address.

You can add Banca Popolare di Puglia e Basilicata and Altamura too, since some forms ask for it. Double-check each detail before you send them – a sender rarely spots a mistake in someone else’s details.

Expect that the incoming amount is below what the sender paid. Intermediary banks may deduct a fee, Banca Popolare di Puglia e Basilicata may charge for incoming payments, and if the money is converted, a markup on the rate applies. Agree with the sender who pays which costs, especially for larger amounts.

Before you send: check the Banca Popolare di Puglia e Basilicata code

The safest source for the BIC is the bank details provided by the recipient: an invoice, a bank statement or their online banking. When the code you were given differs from BPDMIT3B or BPDMIT3BXXX, do not guess: check with the recipient or with Banca Popolare di Puglia e Basilicata directly.

If the code is wrong, the transfer may be delayed, bounce back or end up costing more. An error in the account number is more serious because it can reach the wrong person; check it just as carefully.

Many banking apps validate the format of IBANs and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. Where available, a payee name check before sending adds an extra layer of safety. Sending a small amount first can be worth it for large sums.

Head office or branch code at Banca Popolare di Puglia e Basilicata?

Banca Popolare di Puglia e Basilicata has 126 separate SWIFT/BIC codes. Only one is the head office code, BPDMIT3BXXX; the rest identify branches or departments.

For the vast majority of incoming transfers, the head office code BPDMIT3BXXX is the right choice. Just use a branch code when the recipient explicitly asks for it.

Unsure which code applies? Ask the recipient, or look at a recent statement from Banca Popolare di Puglia e Basilicata. Branch codes are sometimes changed or retired over time, so a code from an old document is not always valid.

When will the money arrive at Banca Popolare di Puglia e Basilicata?

There is no fixed answer for international payments: some land within a day while others need several business days. Transfers sent late in the day or just before a weekend or public holiday often go out the next business day. Sometimes a bank asks what the payment is for.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every payment carries a unique reference, the UETR that banks can use to trace it. Keep the payment confirmation until the money has arrived.

The bank that sent the money is able to request a trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, it helps to look at your statements for a slightly lower amount, since fees may have been deducted.

Sending money abroad from Banca Popolare di Puglia e Basilicata

The price of an international transfer has more than one component. Besides a fixed fee, correspondent or intermediary banks may deduct a fee, and when the money changes currency the bank usually uses a rate that is less favourable than the real market rate.

Banks rarely show their exchange rate markup as a cost. A simple test: put the rate you get against the mid-market rate for the same moment and look at the difference.

For a lot of currency pairs, a specialist provider turns out to be cheaper than a bank, mainly because of the exchange rate. GoldexPay lists these services next to each other, showing the amount the recipient gets. Using a transfer service does not mean closing your account at Banca Popolare di Puglia e Basilicata.

Protect yourself against fake payment requests

One of the most common tricks goes like this: an email arrives with a message claiming that a supplier has new bank details and asking you to pay there from now on. The fact that BPDMIT3B exists is no guarantee that a request mentioning it is genuine; criminals use the codes of real banks too.

Do not rely on contact details in the same message that contains the new account. Watch out for time pressure, odd spelling or a sender address that is slightly off. Already paid? Contact the bank you paid from straight away and ask them to start a recall; also report it to the police.

Fraud can also target the receiver. Someone sends more than agreed and asks you to return the extra via a different route. A payment confirmation from the sender is no proof; only your own account shows what has arrived.