Bancapulia SPA SWIFT/BIC code

Bancapulia SPA SWIFT code: APULIT31

Whether a recipient gives you APULIT31 or APULIT31XXX, it is the identical identifier for Bancapulia SPA in Italy. A BIC does one job: it makes sure that money from abroad ends up at the right bank. You will need it mostly when dealing with transfers between countries and payments in foreign currencies.

On this page you will find what the code is put together, when you need it and which other details you need for a transfer to or from Bancapulia SPA. The SWIFT code on its own does not identify an individual account holder; for that you need the IBAN or account number .

Why Bancapulia SPA has an 8- and an 11-character code

Each SWIFT/BIC code has an 8-character core: a four-letter bank code, a two-letter country code and two characters for the location. For Bancapulia SPA, that core is APULIT31.

Many payment forms work with both lengths. If a form asks for eleven characters, use APULIT31XXX, otherwise APULIT31 is fine.

Do not add spaces or dashes when you enter APULIT31 or APULIT31XXX. A wrong letter may route a payment to a different institution, so check it twice.

How long does an international transfer to Bancapulia SPA take?

A SWIFT payment usually takes one to a few business days – it depends on currency, route and the banks in between. Payments made late in the day or just before weekends and holidays usually start the next business day. Occasionally a bank wants to know what the payment is for before releasing it.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer gets a unique reference, the UETR, which your bank can use to see where the money is. Save your transfer receipt until the recipient confirms – you will need it for any trace request.

A missing payment is traced by the sending bank on the basis of the transfer details. As a recipient, you can check your statements to see a partial amount, since fees may have been deducted.

What to give a sender who pays you at Bancapulia SPA

When you expect money from abroad, give the sender a complete set of details. The basics are: the account holder’s name, IBAN or account number, APULIT31XXX and often your postal address.

It helps to add Bancapulia SPA and its city as well, because some payment forms have separate fields for them. A mistake in your account number is more trouble than it looks.

The amount you receive can be less than the amount sent. Fees for incoming transfers differ per bank – the price list of Bancapulia SPA tells you what applies. On invoices, you can agree who bears the costs to avoid a shortfall.

Paying someone abroad from your Bancapulia SPA account

An international bank payment costs rather more than the listed fee. On top of the transfer fee, banks in between can deduct a fee, and if currencies are converted, the bank often 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. Compare the rate you are offered with the mid-market rate; the gap is what conversion costs you.

For a lot of currency pairs, a transfer service turns out to be cheaper than a bank. On GoldexPay we compare the amount that arrives across providers, which makes the cheapest option easy to spot. Choosing a specialist does not require closing your account at Bancapulia SPA.

Sending EUR to Bancapulia SPA

Italy uses the Euro, code EUR. Money sent in a different currency will be converted into EUR on its way to Bancapulia SPA. You rarely see a separate line for that conversion.

Who converts the money matters: every bank has its own margin. In many cases you pay less if you send EUR straight away via a transfer service that converts near the mid-market rate rather than letting the receiving bank convert.

The EUR rate changes throughout the day, so the amount you see is usually only valid for a short time. For recurring payments, a slightly better rate add up over time.

Euro transfers to Bancapulia SPA: is a BIC needed?

Italy belongs to the SEPA area, the zone for standardised euro payments. When you send euros within SEPA, the IBAN is usually enough.

You still need APULIT31XXX when sending non-euro payments or transfers from countries outside SEPA. A few banks and apps also ask for the BIC; if so, enter APULIT31 or APULIT31XXX.

Instant euro transfers have become widely available across SEPA. Fees for SEPA transfers tend to be low, as long as no currency conversion is involved.

Is APULIT31 still correct? How to check

The best place to find the right code remains a document from the bank itself. If the code you have does not match APULIT31 or APULIT31XXX, do not guess: check with the recipient or with Bancapulia SPA directly.

An incorrect BIC can cause delays, a payment being sent back or extra fees for investigation. A mistake in the IBAN or account number can be more serious, because the money may be credited to someone else, so check that just as carefully.

Many banking apps validate the structure of IBANs and some suggest the matching BIC. Where available, a payee name check on the recipient gives an extra layer of safety. For a first payment, some people send a small amount first before sending the rest.

About this information

We collect bank codes using publicly available data and update them regularly. Still, banks merge, rename themselves or retire codes, so information can be out of date. Figures such as the number of codes are from our directory and may differ from what Bancapulia SPA publishes.

Treat our data as a reference, not as the last word. GoldexPay is independent of Bancapulia SPA; we are a comparison site for money transfers. Found outdated information? Tell us via our contact form.

Scams that use SWIFT codes

Be wary if someone suddenly asks you to send money to another account or a bank in another country. That APULIT31 is a real code is no guarantee that the account is genuine.

Verify new payment details through a separate channel, not by replying to the message. Pressure and secrecy tend to be warning signs. Acted too fast? Call the bank you paid from straight away and have them start a recall.

Scams also work the other way. Someone sends more than agreed and wants you to return the extra via a different route. A screenshot of a transfer proves nothing – check your own account.

Which of the 106 codes of Bancapulia SPA do you need?

Having 106 codes in 84 locations, Bancapulia SPA belongs to the banks that use separate codes for parts of the organisation. The head office code remains APULIT31XXX.

In most cases you do not need to pick a branch: transfers sent to APULIT31XXX reach Bancapulia SPA without problems. A branch code only makes sense when the account holder explicitly mentions it, which is more common for corporate accounts and trade services.

The best way is to copy the code straight from the account holder’s invoice. Branch codes are more likely to change than the head office code when a bank merges or closes offices.