SWIFT/BIC codes in Italy: banks starting with N

Finding a SWIFT code in Italy

Here you will find codes for 3414 institutions in Italy, 26259 codes in all. You need a SWIFT/BIC code mainly for payments across borders and for payments in a foreign currency.

Every bank is listed with its own page showing its main code and, where available, codes for branches and departments. Further down we explain how a code from Italy is put together, how to send money to Italy without overpaying and what to check before you pay.

Unicredit SPA and its SWIFT codes

Unicredit SPA leads our list of Italy banks when it comes to SWIFT/BIC codes. Its head office code is UNCRITM1001, which is the code to use when no branch is specified.

Many codes usually means separate codes for branches, departments or services, not necessarily that the bank is the biggest in the country. If not the recipient asks for a branch, UNCRITM1001 is fine for transfers to this bank.

How long does a transfer to Italy take?

There is no single answer for transfers to Italy: many arrive the same day or the next while others need several business days. Public holidays in either country add a day or more.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Every gpi transfer carries a unique reference, the UETR. Money transfer services usually provide tracking in their app so you can follow the payment.

Incoming international payments in Italy

For a transfer from abroad in Italy, the sender has to have more than the BIC. That means: your full name exactly as it appears on the account, your IBAN or account number, the BIC of your bank and usually your postal address.

Your bank’s code is in the list on this page, yet the version on your own statement or in your banking app is leading. You can include your bank’s name and city as well, since some payment forms ask for it.

The amount you receive is often lower than what was sent. Fees for incoming transfers vary per bank; check the price list of your bank. On invoices, agree how the fees are split, so nobody is left short.

Paying in EUR: what conversion costs you

Most accounts in Italy are usually held in EUR. When you pay money in a different currency, the amount gets converted at some point.

Who converts the payment makes a difference: every bank has its own margin. Often you pay less to send EUR straight away through a provider that converts near the mid-market rate so the receiving bank does not need to convert again. Rates for EUR change during the day.

What the letters in a Italy BIC mean

Each SWIFT/BIC code consists of 8 or 11 characters. It starts with a four-letter bank code, then two letters for the country and two characters for the location.

You can recognise a code from Italy by letters five and six. When the country letters do not match Italy, the code belongs to a bank somewhere else.

An 11-character code ends in three characters for a branch. In most cases the head office code is what you need.

The cheapest way to send money to Italy

A bank transfer to Italy often costs rather more than you think. On top of the fee, intermediary banks may take a cut and, if currencies are converted, the bank often applies a less favourable rate than the actual market rate.

Most of the cost usually sits in the exchange rate – the bank builds a margin into its rate. Check the bank’s rate with the mid-market rate that you find on financial sites.

Money transfer services frequently use a rate near the mid-market rate. On GoldexPay we compare the amount that arrives in Italy with different providers.

Euro payments to Italy: is a BIC needed?

Italy is part of the Single Euro Payments Area (SEPA). For a standard euro transfer within SEPA, the IBAN is usually enough.

You will still need a SWIFT code when sending non-euro payments or transfers from countries outside SEPA. Instant euro transfers have become widely supported within SEPA, though not every bank offers them for every account. Provided no conversion is involved, a SEPA transfer is usually inexpensive.

Filter: banks in Italy with :letter

This filter limits the list down to banks in Italy starting with :letter to make searching quicker. The totals mentioned here apply to all 3414 banks, not just the ones under :letter.

Many institutions appear under their official name, so the letter can differ from what you expect. Try the full list for Italy if you do not know the exact name.

How reliable is this list?

The safest source for the BIC is the recipient’s own bank details. A wrong code may lead to a delay, a payment being sent back or extra fees – compare it with the code in our list.

We collect bank codes using public sources and update our list regularly. Institutions reorganise, change names and retire codes, and no directory catches every change immediately. Before any payment of any size, confirm the BIC with the recipient’s bank. GoldexPay is not a bank and is not affiliated with the banks listed.

Scammers regularly send fake invoices with changed bank details. Before paying, confirm a change of bank details by phone on a number you know.