Banca Popolare di Vicenza SWIFT/BIC code

Banca Popolare di Vicenza SWIFT code: BPVIIT21

BPVIIT21 and BPVIIT21820 are two spellings of the same bank identifier, and both lead to Banca Popolare di Vicenza in Alzano Lombardo. Banks worldwide use these codes to route international transfers to the right bank. It comes up mostly for transfers between countries.

On this page you will find what the code means, when you need it and what else you need for a transfer to or from Banca Popolare di Vicenza. The SWIFT code on its own cannot identify an individual account holder; that is what the IBAN or account number is for.

The Euro and what conversion costs you

Italy uses the Euro, with the currency code EUR. A payment in a foreign currency will be exchanged into EUR on its way to Banca Popolare di Vicenza, and whoever converts it chooses the rate. Each conversion costs something.

Who does the conversion affects how much arrives, as rates and margins differ per bank. Often you pay less to send EUR directly through a provider with a good rate rather than letting the receiving bank convert.

Rates for EUR move all the time, and some providers let you lock in a rate. With bigger transfers, even small gap in the rate adds up quickly.

Before you send: check the Banca Popolare di Vicenza code

Have the recipient send you the bank details directly from their online banking. When the code you were given differs from BPVIIT21 or BPVIIT21820, do not guess – contact the recipient or Banca Popolare di Vicenza.

If the code is wrong, the payment may get stuck, be returned or cost extra, and tracing it can take weeks. Remember the IBAN: an error there is harder to correct than a wrong BIC.

Most online banking apps validate the format of IBANs and some suggest the matching BIC – that confirms the format, not the owner. If your bank offers it, a name check on the recipient gives extra certainty. A small test payment can be a sensible step for a large first payment despite the extra fee.

Paying someone abroad from your Banca Popolare di Vicenza account

When you send money to another country through Banca Popolare di Vicenza, the visible fee is only part of the cost. On top of the transfer fee, banks in between can take a cut, and when the money changes currency the bank often uses a rate that is less favourable than the real market rate.

Many banks rarely show the margin on the rate as a cost. Compare the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

Specialised transfer providers often offer rates closer to the mid-market rate and lower fees. Before your next transfer, it is worth comparing the total cost on GoldexPay. You can still keep your account at Banca Popolare di Vicenza as the source of the money.

Head office or branch code at Banca Popolare di Vicenza?

Banca Popolare di Vicenza uses 25 separate SWIFT/BIC codes. One of them is the head office code, BPVIIT21820; the others identify branches.

If nobody asks you for a branch code, use BPVIIT21820. A branch code only makes sense if the recipient’s bank explicitly asks for it, which is more common for corporate accounts and trade services.

Unsure which code to use? Check with the recipient, or look at a recent statement from Banca Popolare di Vicenza. Branch codes are more prone to be retired than BPVIIT21820.

8 or 11 characters: BPVIIT21 versus BPVIIT21820

Every SWIFT/BIC code has the same eight core characters: a four-letter bank code, a two-letter country code and two characters for the location. For Banca Popolare di Vicenza, the 8-character core is BPVIIT21.

The 11-character version adds three more characters that identify a branch or department. If the last three are XXX, they simply mean the head office, so BPVIIT21820 and BPVIIT21 are interchangeable.

Leave out spaces, dots when you type BPVIIT21. A wrong letter may route the money to another bank, so check it twice.

A note on our data

The codes on this page are taken from publicly available data. Still, banks merge, rename themselves or change codes. Counts and locations are from our own dataset and may differ from what Banca Popolare di Vicenza publishes.

Use our data as a reference, rather than as the last word: the recipient’s bank details come first. We are an independent comparison service and not affiliated with Banca Popolare di Vicenza. Should you notice a mistake, we welcome a message via the contact page.

Incoming international payments to Banca Popolare di Vicenza

To receive an international payment at Banca Popolare di Vicenza, the sender needs not just the BIC. What they need is: the account holder’s name, IBAN or account number, BPVIIT21820 and often your home address.

Their bank might also ask for the address of your bank; the head office in Alzano Lombardo is usually fine. A mistake in the IBAN is more trouble than it looks; copy them from your banking app rather than typing.

Do not be surprised if the incoming amount is smaller than what the sender paid. Charges on incoming payments vary from bank to bank – the price list of Banca Popolare di Vicenza tells you what applies. Agree with the sender who pays which costs.

Changed bank details? Be careful

Scammers regularly send fake invoices containing new bank details, sometimes in an email that looks completely genuine. A valid SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Before paying, verify changed bank details by phone. Pressure or requests to keep it quiet are red flags; a genuine business can wait for you to check. When money has already gone to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Fraud also work the other way. Someone sends more than agreed and wants you to refund the difference to a new account. A screenshot of a transfer is no proof.

Euro transfers to Banca Popolare di Vicenza: is a BIC needed?

Italy is part of the Single Euro Payments Area (SEPA), where euro transfers follow common rules. When you send euros from another SEPA country, you normally only need the IBAN; many banks no longer ask for the BIC.

Outside the euro and from non-SEPA countries, BPVIIT21820 remains required. A few forms still ask for the BIC out of habit; in that case, fill in BPVIIT21.

Instant payments in euros have become widely available across SEPA. Fees for SEPA payments tend to be low as long as everything stays in euros.

When will the money arrive at Banca Popolare di Vicenza?

An international transfer usually needs one to a few business days. Transfers sent after the cut-off time or on weekends and holidays often go out a business day later. Occasionally a bank wants to know about the purpose of a payment.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each payment gets a unique transaction reference, the UETR. Save your transfer receipt until the money has arrived; it contains the details a bank needs to start a trace.

If the money does not arrive after a few business days, the person who paid needs to contact their own bank. Ask the sender for the payment receipt including the reference – it helps your own bank look for the money.