BNP Paribas Succursale Italia SWIFT/BIC code

BNPAITMM – the SWIFT/BIC code of BNP Paribas Succursale Italia

Whether you are given BNPAITMM or BNPAITMMXXX, you are looking at the same address for BNP Paribas Succursale Italia in Italy. The code has a single purpose: it ensures that an international payment reaches the right bank. In practice you mostly come across the code on invoices from abroad, in your banking app and in the bank details of BNP Paribas Succursale Italia customers.

Further down we go through the practical side: receiving money at BNP Paribas Succursale Italia, paying someone in another country and how to check a SWIFT code before you confirm a payment. The SWIFT code on its own cannot identify a personal account; that is what the account number or IBAN .

International transfers from BNP Paribas Succursale Italia: the real cost

An international bank payment costs more than the fee suggests. You pay the transfer fee, possibly fees charged by intermediary banks in between and, above all, the exchange rate markup if the currency changes.

The markup on the rate tends to be the biggest item even though it is not listed as a fee. A simple test: set the rate you get against the mid-market rate and look at the difference.

Specialist money transfer services often offer a rate near the mid-market rate. GoldexPay compares what recipients receive with different providers. You can always use your account at BNP Paribas Succursale Italia as the source of the money, while a cheaper service handles the conversion.

How long does an international transfer to BNP Paribas Succursale Italia take?

A SWIFT payment typically needs one to a few business days. Transfers sent after the cut-off time or just before weekends and holidays usually start the next business day. Compliance checks by one of the banks may also add a delay, regardless of the details.

When a payment takes longer than expected, ask the sending bank about the status or the UETR. Keep the payment confirmation until the money has arrived; it contains the details a bank needs to start a trace.

A delayed transfer is traced by the sending bank on the basis of the transfer details. On the receiving end, you can look at your account for a slightly lower amount because fees can reduce the amount.

Where our SWIFT data comes from

The codes here come from publicly available data. Banks reorganise, close branches and retire codes, and a directory never catches every change immediately. The figures we show are based on what is in our directory.

For a payment of any size, always check the code with the recipient’s bank or with the recipient. GoldexPay is independent of BNP Paribas Succursale Italia, we only compare transfer services. If you notice something that is out of date, we welcome a short note via the contact page.

Do you need BNPAITMM for a SEPA transfer?

Inside SEPA, euro payments to an account in Italy use common rules, so the IBAN does the job in most cases. A field for the BIC is often optional for those payments.

A SWIFT code like BNPAITMM still come into play when the currency is not euros, and for transfers from outside SEPA. If a payment form has a field for the BIC anyway, adding BNPAITMM does no harm.

Instant payments in euros are increasingly available within SEPA – whether BNP Paribas Succursale Italia offers them for your account is worth checking. As long as no currency is converted, the transfer is cheap; costs rise once a conversion is involved.

Sending EUR to BNP Paribas Succursale Italia

Accounts at BNP Paribas Succursale Italia are usually held in EUR, the local currency. If you send another currency, the amount has to be converted somewhere along the way – by your bank, by BNP Paribas Succursale Italia or by a bank in between. There is rarely a separate line for the conversion.

Which bank converts the money makes a difference. Transferring the money already in EUR usually prevents an extra conversion at the receiving end.

The EUR rate fluctuates throughout the day. For regular payments, small differences in the rate make a real difference over a year.

What the XXX in BNPAITMMXXX means

The structure of every SWIFT code is always the same: a bank code of four letters, a two-letter country code and two for the location, sometimes followed by a branch code. For BNP Paribas Succursale Italia, the 8-character core is BNPAITMM.

Most payment forms accept either length. If yours requires eleven characters, enter BNPAITMMXXX, otherwise BNPAITMM is fine.

Do not add spaces, dots when you type BNPAITMM; the code is always written in one block. Copying the code is safer than retyping it.

Is BNPAITMM still correct? How to check

The most reliable source for the BIC is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. Compare that code with BNPAITMM on this page; if they differ, ask before you pay.

If the code is wrong, the transfer might get stuck, be returned or end up costing more – sometimes after weeks of searching. A mistake in the account number can be more serious because it can reach the wrong person, so check that just as carefully.

An automatic check by your bank only confirms that the code is valid, not that it is the right account. If your bank offers it, a name check before sending adds an extra layer of safety. A small test payment is a sensible step for a large first payment despite the extra fee.

Incoming international payments to BNP Paribas Succursale Italia

For an international payment into your account at BNP Paribas Succursale Italia, the person paying you has to have not just the SWIFT code. Give them your name as the bank knows it, the IBAN or account number, the BIC BNPAITMMXXX and your address, which some banks require.

Their bank might also ask for the bank address of BNP Paribas Succursale Italia. Check each detail before you share them, because the sender’s bank usually copies them as is.

Expect that the incoming amount is below the amount on the sender’s receipt. Fees for incoming transfers differ per bank – the price list of BNP Paribas Succursale Italia tells you what applies. Agree with the sender who pays which costs, especially for larger amounts.

BNP Paribas Succursale Italia: head office code versus branch codes

We have 2 SWIFT/BIC codes for BNP Paribas Succursale Italia. Next to the head office code BNPAITMMXXX, there are codes for individual branches and departments.

Unless the recipient tells you otherwise, use BNPAITMMXXX. Just use a branch code when your contact explicitly asks for it.

The best way is to take the code straight from the account holder’s statement. Branch codes can change when banks reorganise.

Changed bank details? Be careful

Stay alert if a contact suddenly wants you to send money to a different account or a bank in another country. That BNPAITMM is a real code does not mean that a request mentioning it is genuine.

Never rely on a phone number in the same message that contains the change. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. If money was sent to the wrong account, call your bank right away – speed improves the chance of getting it back.

Fraud can also work the other way: someone claims to have sent too much and asks you to refund the extra to a new account. A screenshot of a transfer proves nothing – check your own account.