SWIFT/BIC codes in Italy: banks starting with E

Italy: banks and their SWIFT/BIC codes

On this page you find the SWIFT/BIC codes of 3414 institutions in Italy – 26259 codes altogether. You need such a code mainly for payments across borders and for payments in a foreign currency.

Look for the recipient’s bank in the list and click through to see all codes we have. Below the list you can read how codes from Italy are built, how to send money to Italy at a fair price and how to check a code before you pay.

How long does a transfer to Italy take?

An international transfer to Italy typically needs anywhere from one to several business days, depending on the currency, the route and the banks involved. Transfers sent late in the day or just before weekends and holidays often start the next business day.

A growing number of banks use SWIFT gpi for faster and traceable payments. Every payment gets a unique reference, the UETR. Money transfer services usually provide a status online.

How reliable is this list?

Have the recipient copy the account details directly from their banking app. A wrong code can cause a delay, a returned payment or extra fees.

We gather SWIFT/BIC codes from public sources and update our list regularly. Banks merge, change names and retire codes, and no directory catches every change immediately. Use this list as a reference, not as the final word: the bank details from the recipient come first. GoldexPay is an independent comparison site for money transfers.

Fraudsters often use payment requests carrying new bank details from what looks like a familiar address. A real SWIFT code says nothing about who owns the account: criminals use real codes too.

Filter: banks in Italy with :letter

Here you see a filtered list: only institutions in Italy whose name begins with :letter. The totals mentioned here apply to every bank we list.

Bank not listed? The registered name might begin with another word, for example the full legal name rather than a brand name. The complete list is one click away if you cannot find the bank here.

Receiving money in Italy from abroad

When you are waiting for money from abroad on an account in Italy, send the payer all details at once. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code of your bank and usually your address.

Find the bank in the list on this page – your bank statement is the final word. Some banks also ask for the name and address of your bank, so keep it at hand.

What lands in your account is often lower than the amount sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin comes on top. Make clear with the sender who pays which costs, especially for larger amounts.

The largest SWIFT network in Italy: Unicredit SPA

Of the 3414 banks we list for Italy, Unicredit SPA is listed with the most SWIFT codes. The head office uses UNCRITM1001.

Practice differs in whether they register branch codes – a high count is not a measure of size. Unless the recipient asks for a branch, UNCRITM1001 is fine for transfers to this bank.

Sending EUR to Italy

Italy pays in the Euro, with the currency code EUR. If you send another currency, it gets converted somewhere along the way – by your bank, a bank in between or the recipient’s bank.

Who converts the money makes a difference, because each party uses its own rate. In many cases you pay less if you send EUR directly through a provider that converts near the mid-market rate. With bigger transfers, a seemingly small difference in the rate can be worth more than the fee.

Euro payments to Italy: is a BIC needed?

Italy is a member of the Single Euro Payments Area (SEPA), where euro transfers follow common rules. When you send euros from another SEPA country, the IBAN is usually enough.

You will still need a SWIFT code for non-euro payments or transfers from countries outside SEPA. SEPA transfers usually arrive within one business day, and instant transfers in seconds where both banks support them. Fees are generally low as long as no currency is converted; the conversion is where it gets expensive.

Bank or transfer service for Italy?

What you pay for a transfer to Italy has more than one component, and the fee on your screen is only one of them. On top of a fixed fee, correspondent banks can deduct a charge and, if currencies are converted, the bank often uses a rate below the actual market rate.

That exchange rate margin tends to be the largest cost item, even though it is not listed as a fee. Compare the rate you are offered against the mid-market rate that you find on financial sites. The difference is your real cost.

For many routes, a specialist provider is less expensive than a bank, mainly because of the rate. GoldexPay compares transfer services next to each other so you can see what actually arrives in Italy for the same amount sent.

The structure of a Italy SWIFT/BIC code

Bank identifier codes follow one international format: 8 characters. Characters one to four stand for the bank, the fifth and sixth characters form the country code and the next two give the location.

In every code from Italy, characters five and six are the two-letter ISO code of Italy, which makes these codes easy to recognise. A code with a different country code come from another country.

The long version ends in a branch code – XXX stands for the head office. Choose a branch code just if the recipient’s bank asks for it – otherwise stick with the head office.