Banca Popolare di Vicenza Scparl SWIFT/BIC code

What BPVIIT21 means for a payment to Banca Popolare di Vicenza Scparl

BPVIIT21 and BPVIIT21804 are two spellings of the same bank identifier, and both point to Banca Popolare di Vicenza Scparl in Gorizia. The code has a single purpose: it ensures that a cross-border transfer reaches the right bank. It comes up mainly when dealing with transfers between countries.

Below we go through the practical questions: money coming in from abroad, sending money abroad and how to check the code before you hit send. A SWIFT code identifies a bank or branch, never a single account.

Receiving money from abroad at Banca Popolare di Vicenza Scparl

When you expect a payment from another country, give the sender everything they need in one go. Give them your name as the bank knows it, your account number or IBAN, the BIC BPVIIT21804 and your address, which some banks require.

It helps to include Banca Popolare di Vicenza Scparl and its city too, because some payment forms have separate fields for them. Double-check the details before you share them – a sender rarely spots a mistake in someone else’s details.

What lands in your account is often less than what was sent. Fees for incoming transfers vary per bank. For business payments, it is common to state how the fees are split.

Where our SWIFT data comes from

The codes on this page come from publicly available data which we refresh regularly. Institutions reorganise, close branches and retire codes. The number of codes on this page reflect what is in our directory.

Before any payment of any size, always confirm the code with Banca Popolare di Vicenza Scparl or with the recipient. GoldexPay has no connection to Banca Popolare di Vicenza Scparl. Should you notice a mistake, we welcome a short note via the contact page.

Tracking a transfer to or from Banca Popolare di Vicenza Scparl

A SWIFT payment usually takes anywhere from one to several business days. Bank holidays in the sending or receiving country can add extra days to the journey. Occasionally a bank asks what the payment is for, which can hold things up.

When a payment takes longer than expected, contact the sending bank about the tracking status so they can trace it along the chain. Save the payment confirmation until the recipient confirms – you will need it for any trace request.

A missing payment is traced from the sending side. Request from the sender a copy of the payment confirmation – it helps your own bank look for the money.

Watch out for payment fraud

Stay wary if a contact suddenly wants you to send money to a different account abroad. The fact that BPVIIT21 exists is no guarantee that a request mentioning it is genuine; criminals use the codes of real banks too.

Check new bank details via a different channel. Pressure or requests to keep it quiet are red flags – a real supplier can wait a day. Acted too fast? Call your bank without delay and have them start a recall and report the fraud.

Fraud also target the receiver: someone claims to have sent too much and wants you to return the extra. Wait until the money has really arrived and check with Banca Popolare di Vicenza Scparl if anything seems off.

What the XXX in BPVIIT21804 means

A BIC is made up of fixed blocks: the first four letters identify the bank, the next two give the country and characters seven and eight indicate the location. In this case, that core is BPVIIT21.

XXX at the end of BPVIIT21804 does not stand for a placeholder or an error: it stands for the main office of Banca Popolare di Vicenza Scparl. Certain payment forms ask for 11 characters, in which case you can enter XXX behind BPVIIT21.

Do not add spaces, dots when you enter BPVIIT21. Copying the code is safer than retyping it, because one wrong letter changes the bank.

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

Because Italy is in SEPA, a euro transfer to Banca Popolare di Vicenza Scparl from within the SEPA area normally requires just an IBAN. Many banks no longer ask for the BIC in that case.

You will still need BPVIIT21804 when sending payments in other currencies or money from outside the SEPA area. If your banking app has a field for the BIC regardless, entering BPVIIT21 does no harm.

Instant euro transfers have become widely available within SEPA. Charges on SEPA transfers are generally low, as long as no currency conversion is involved.

Before you send: check the Banca Popolare di Vicenza Scparl code

Ask the recipient to send you the bank details directly from a recent statement. If the code you have differs from BPVIIT21 or BPVIIT21804, stop and ask: check with the recipient or with Banca Popolare di Vicenza Scparl directly.

An incorrect BIC may lead to delays, a payment being sent back or extra fees for investigation. Remember the account number: a mistake there can be harder to undo than a wrong code.

An automatic check by your bank merely tells you that the code exists – not that it belongs to the person you mean to pay. Where available, a payee name check before sending adds extra certainty. A small test payment is worth it for a large first payment despite the extra fee.

Choosing between the 2 SWIFT codes of Banca Popolare di Vicenza Scparl

With 2 codes, Banca Popolare di Vicenza Scparl is one of the banks that register separate codes for parts of the organisation. The head office code remains BPVIIT21804.

In most cases there is no need to pick a branch: transfers addressed to BPVIIT21804 are routed within Banca Popolare di Vicenza Scparl correctly. Only use a branch code when the account holder gives you that exact code.

The best way is to copy the code straight from the recipient’s bank details. Branch codes are more likely to be retired than BPVIIT21804 when a bank merges or closes offices.

Paying someone abroad from your Banca Popolare di Vicenza Scparl account

What you pay for an international transfer has more than one component – not just the fee on your screen. On top of a fixed fee, correspondent or intermediary banks can take a cut, and when currencies are converted the bank often applies a rate below the real market rate.

Banks do not list their exchange rate markup separately, but you pay it all the same. Check their rate against the mid-market rate. The difference is your real conversion cost.

For many routes, a specialist provider turns out to be less expensive than a traditional bank transfer – mostly thanks to the rate. Next time you send money, it is worth comparing what arrives via GoldexPay instead of going straight to your bank. Using a transfer service does not mean leaving Banca Popolare di Vicenza Scparl: you simply pay the service from your account.

Euro (EUR) and conversion costs

Most accounts at Banca Popolare di Vicenza Scparl are usually held in EUR, the national currency of Italy. Money sent in a different currency is converted into EUR on its way to Banca Popolare di Vicenza Scparl – and the bank that does it picks the rate. You rarely see a separate charge for the conversion; it is built into the rate.

Which bank converts the money matters: every bank has its own margin. Sending the money already in EUR often avoids an extra conversion by Banca Popolare di Vicenza Scparl.

Rates for EUR change all the time. With bigger transfers, a seemingly small difference in the rate can be worth more than the fee.