Hypo Alpe-Adria Bank S.P.A. SWIFT/BIC code

Hypo Alpe-Adria Bank S.P.A. SWIFT code: HAABIT2U

The 8-character code HAABIT2U and the 11-character code HAABIT2UXXX identify the same bank: Hypo Alpe-Adria Bank S.P.A.. The code does one job: it ensures that a cross-border transfer reaches the right bank. It comes up mainly when dealing with payments that cross a border.

Below we go through the practical side: receiving money at Hypo Alpe-Adria Bank S.P.A., sending money abroad and how to check the code before you confirm a payment. The SWIFT code alone cannot identify a personal account; that is what the account number or IBAN .

About this information

The details here come from public sources. Banks reorganise, close branches and retire codes – a directory can be a step behind. The figures we show reflect what is in our directory, not official figures from Hypo Alpe-Adria Bank S.P.A..

For any payment of any size, confirm the code with the recipient’s bank or with the recipient. GoldexPay is an independent comparison site and not affiliated with Hypo Alpe-Adria Bank S.P.A.. Spotted outdated information? Let us know via our contact form.

Incoming international payments to Hypo Alpe-Adria Bank S.P.A.

A sender in another country needs a few details from you. What they need is: the account holder’s name, account number or IBAN, HAABIT2UXXX and often your postal address.

The sender’s bank may also ask for the address of your bank; the head office in Tavagnacco is usually fine. A typo in the IBAN is more trouble than it looks; copy them from your banking app rather than typing.

An incoming payment will not always arrive for the full amount. Intermediary banks may deduct a fee, Hypo Alpe-Adria Bank S.P.A. may charge for incoming payments, and if the currency changes, a markup on the rate comes on top. Make clear with the sender who covers the fees.

Choosing between the 28 SWIFT codes of Hypo Alpe-Adria Bank S.P.A.

Having 28 codes in 25 cities, Hypo Alpe-Adria Bank S.P.A. belongs to the banks that register individual codes for branches. The head office code is HAABIT2UXXX.

If nobody asks you for a branch code, go with HAABIT2UXXX or its short form HAABIT2U. Branch codes are only needed if the account holder explicitly asks for it, which is more common for business accounts and trade services.

Unsure which code applies? Check with the recipient, or look at a recent statement from Hypo Alpe-Adria Bank S.P.A.. Codes can change when banks reorganise.

Is HAABIT2U still correct? How to check

The best place to find the right code is a document from the bank itself, such as a statement or the account details in online banking. Compare it against HAABIT2U here.

An incorrect BIC may lead to a delay, a payment being sent back or extra fees for investigation. An error in the account number can be more serious; check it just as carefully.

Most online banking apps validate the format of IBANs, but that does not prove the account belongs to the right person. More and more banks compare the name against the account; take any warning seriously. Sending a small amount first can be a sensible step for large sums, even if it costs an extra fee.

HAABIT2U or HAABIT2UXXX – which one to use?

A BIC is built from fixed blocks: characters one to four identify the bank, characters five and six give the country and characters seven and eight indicate the location. Combined, those parts form HAABIT2U.

XXX at the end of HAABIT2UXXX does not stand for a placeholder or an error: it stands for the head office of Hypo Alpe-Adria Bank S.P.A.. Some banking apps ask for 11 characters, in which case you can enter XXX behind HAABIT2U.

Enter the code in one piece, in capitals and without separators. A wrong character can send a payment to a different institution, so check it twice.

Paying Hypo Alpe-Adria Bank S.P.A. in euros within SEPA

Inside SEPA, euro transfers to Hypo Alpe-Adria Bank S.P.A. follow common rules and in most cases need only the IBAN. The BIC field is often optional in that case.

You will still need HAABIT2UXXX for payments in other currencies or transfers from countries outside SEPA. A few banks and apps still show a field for the BIC; in that case, fill in HAABIT2U or HAABIT2UXXX.

Instant payments in euros are increasingly available across SEPA. As long as no currency is converted, the transfer tends to be cheap; it is the conversion that costs money.

Paying into Hypo Alpe-Adria Bank S.P.A. in EUR

The currency in Italy is the Euro (EUR). When you pay money in a different currency gets converted at some point – by your bank, by Hypo Alpe-Adria Bank S.P.A. or by a bank in between. Each conversion costs the amount, even when no fee is shown.

Where the conversion happens has an effect on how much arrives. Transferring the money directly in EUR often avoids an extra conversion by Hypo Alpe-Adria Bank S.P.A. – as long as your own rate is good.

Rates for EUR change all the time – some services let you fix a rate in advance. On larger amounts, even small gap in the rate adds up quickly.

Changed bank details? Be careful

Criminals regularly send fake invoices with new bank details sent from what looks like a familiar address. The fact that HAABIT2U exists is no guarantee that a request mentioning it is genuine.

Always confirm changed bank details by phone on a number you know, not one from the message. Urgency or requests to keep it quiet are warning signs. When a payment was sent to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

People receiving money can be targeted as well: a classic trick is an overpayment and then sends a request to send back the difference. A screenshot of a transfer proves nothing.

Sending money abroad from Hypo Alpe-Adria Bank S.P.A.

When you send money abroad via Hypo Alpe-Adria Bank S.P.A., the visible fee is rarely all of what you pay. Besides a fixed fee, correspondent or intermediary banks can deduct a fee, and if currencies are converted, the bank often applies a rate that is less favourable than the actual market rate.

Banks rarely list the margin on the rate as a cost. Check their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

For a lot of currency pairs, a specialist provider turns out to be less expensive than a traditional bank transfer, mainly because of the exchange rate. GoldexPay lists these services side by side so you can see what actually arrives before you commit. Using a transfer service does not mean leaving Hypo Alpe-Adria Bank S.P.A..

Tracking a transfer to or from Hypo Alpe-Adria Bank S.P.A.

How quickly a payment reaches Hypo Alpe-Adria Bank S.P.A. depends on several factors: the currency, how many intermediary banks are involved, daily processing deadlines and time zones. Weekends and public holidays in either country can add extra days, since banks do not process on those days. Sometimes a bank asks what the payment is for, which can hold things up.

If a transfer seems late, contact the sending bank about the status and the transaction reference so they can trace it along the chain. Specialist transfer services often provide a status online so you can see where the money is.

A missing payment is investigated by the sending bank. On the receiving end, it helps to look at your account to see a partial amount because fees can reduce the amount.