SWIFT/BIC codes in Italy: banks starting with H

Finding a SWIFT code in Italy

Here you will find the SWIFT/BIC codes of 3414 banks in Italy, 26259 codes in all. You need a SWIFT/BIC code mostly when making international transfers.

Each bank is listed with its own page showing its main code and if there are any, branch codes. Further down we explain how a code from Italy is put together, how to send money to Italy at a fair price and how to check a code before you pay.

Sending EUR to Italy

Bank accounts in Italy are usually held in EUR – the Euro. If you send another currency, it has to be converted somewhere along the way – by your bank, a bank in between or the recipient’s bank.

Who does the conversion affects the final amount. Compare what EUR arrives via several providers; the difference between options can be larger than you expect. Exchange rates move all the time.

Tracking a payment to Italy

A SWIFT payment to Italy usually needs one to a few business days, depending on the currency, the route and the banks involved. Transfers sent late in the day or just before a weekend or public holiday often go out a business day later.

A growing number of banks use SWIFT gpi. Every payment gets a unique reference, the UETR, which the sending bank can use to trace it. Specialist transfer services often provide tracking in their app, which makes it easier to see where the money is.

Italy and the SEPA area

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, you normally only need the IBAN.

A SWIFT code does come into play for payments in other currencies. SEPA transfers normally land within one business day. Fees are generally low provided no currency is converted.

Banks in Italy starting with :letter

This filter limits the list down to banks in Italy starting with :letter to make searching quicker. The totals on this page apply to every bank we list.

If a bank is missing here, try another letter. The full overview for Italy is one click away if you cannot find the bank here.

Verifying a SWIFT code from Italy

The most reliable place for the right code is a document from the bank itself, such as a statement or the account page in online banking. An incorrect BIC may lead to delays, a returned payment or extra fees, so compare it with the list on this page.

The directory on GoldexPay draws on public sources that we update periodically. Institutions merge, close branches and retire codes, and no directory catches every change immediately. Treat our data as a starting point rather than the last word; the recipient’s bank details are leading. GoldexPay is an independent comparison site for money transfers, not a bank.

Scammers often use fake invoices with changed bank details. A valid BIC says nothing about who owns the account.

Receiving money in Italy from abroad

A sender in another country needs a few details about your account. Share the account holder’s name, the IBAN or account number, your bank’s SWIFT code and your address, which some banks require.

The code of your bank appears in the list on this page, yet the version on your own statement or in your banking app is leading. Certain sending banks also ask for your bank’s address; it does no harm to include it.

The amount you receive is often lower than the amount sent. Intermediary banks may deduct a fee, and when currencies differ, a markup on the rate applies. Make clear with the sender who pays which costs.

The largest SWIFT network in Italy: Unicredit SPA

Of all banks we list for Italy, Unicredit SPA is listed with the most codes. Its head office code is UNCRITM1001 – the code most transfers need.

The number of codes says more about how it organises its payments than about its size. Paying someone at Unicredit SPA? Go with UNCRITM1001 except when the recipient gives you a branch code.

How SWIFT codes from Italy are built

A SWIFT code is either 8 or 11 characters long and follows a fixed pattern. It starts with four letters for the bank, followed by two letters for the country and a two-character location code.

No matter which bank, every code from Italy have the same country code in positions five and six, namely the ISO code of Italy. Codes with a different country code belong to a bank abroad.

If the last three are XXX, it refers to the head office and the short version works just as well. Use a branch code only when the recipient’s bank asks for it – otherwise stick with the head office.

The cheapest way to send money to Italy

The price of a payment to Italy has several parts. On top of a fixed fee, intermediary banks may take a cut and, if currencies are converted, the bank often uses a rate below the real market rate.

The markup on the rate is often the biggest cost item because it is hidden in the rate. An easy check: set the rate you get against the mid-market rate and look at the difference.

For many currency pairs, a transfer service turns out to be cheaper than a bank. On GoldexPay you can compare the amount that arrives in Italy across providers, so you can pick the cheapest route.