Ubi Banca SPA (Formerly Banca Carime SPA) SWIFT/BIC code
The head office of Ubi Banca SPA (Formerly Banca Carime SPA) in Italy uses SWIFT/BIC code CARMIT31XXX. Below you find all 212 codes of this bank, grouped by city.
All SWIFT/BIC codes of Ubi Banca SPA (Formerly Banca Carime SPA)
Bergamo
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31XXX | Head office |
Acquaviva Delle Fonti
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31010 | — |
Acri
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31501 | — |
Adelfia
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31011 | — |
Agropoli
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31742 | — |
Altamura
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31012 | Agenzia di Altamura |
Amantea
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31502 | — |
Andria
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31045 | Filiale di Andria |
Angri
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31755 | Angri |
Bagnara Calabra
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31505 | — |
Bari
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31001 | Agenzia Centrale di Bari |
| CARMIT31002 | Bari - AG. 1 |
| CARMIT31003 | Agenzia No 3 di Bari |
| CARMIT31004 | Bari - Santo Spirito |
| CARMIT31005 | Bari - AG. 2 |
| CARMIT31006 | Bari - Torre A Mare |
| CARMIT31008 | Bari - AG. 5 |
| CARMIT31050 | Bari - AG. 7 |
| CARMIT31051 | Bari - AG. 8 |
| CARMIT31789 | Fil.di Bari - Ag.11 |
Barletta
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31013 | Agenzia di Barletta |
| CARMIT31061 | Barletta - AG. 1 |
Baronissi
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31720 | — |
Battipaglia
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31718 | Battipaglia |
Belvedere Marittimo(Marina di Belv)
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31507 | — |
Bernalda
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31599 | — |
Bianco
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31508 | — |
Bisceglie
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31009 | — |
Bisignano
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31646 | — |
Bitonto
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31015 | — |
Bitritto
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31017 | — |
Bovalino Marina (Bovalino)
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31632 | — |
Brienza
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31510 | — |
Brindisi
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31101 | Agenzia Centrale di Brindisi |
| CARMIT31G80 | Brindisi Ag.2 |
Camerota
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31790 | Marina di Camerota |
Campagna
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31780 | — |
Campi Salentina
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31302 | — |
Canosa di Puglia
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31057 | — |
Capurso
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31018 | — |
Cariati
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31511 | — |
Casamassima
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31019 | — |
Casarano
| SWIFT/BIC | Branch |
|---|---|
| CARMIT318AD | Casarano |
Cassano Allo Ionio
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31513 | Cassano Allo Jonio |
Castel San Giorgio
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31740 | — |
Castellaneta
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31403 | — |
Castrovillari
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31515 | — |
Catanzaro
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31516 | Agenzia Centrale di Catanzaro |
| CARMIT31517 | Catanzaro - AG. 1 |
| CARMIT31629 | Catanzaro - AG. 4 |
| CARMIT31900 | Catanzaro - AG. 3 - Lido |
Cava Dei Tirreni
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31730 | Cava Dei Tirreni |
Cerignola
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31203 | — |
Cetraro
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31681 | Cetraro - AG. 1 - Marina |
Chiaravalle Centrale
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31519 | — |
Cinquefrondi
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31520 | — |
Ciro' Marina
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31521 | Ciro' Marina |
Cisternino
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31104 | — |
Conversano
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31AF6 | Conversano |
Copertino
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31312 | — |
Corato
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31055 | — |
Corigliano Calabro
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31523 | — |
| CARMIT31614 | Corigliano Calabro - Ag.1 |
Cosenza
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31524 | Cosenza - Centro Storico |
| CARMIT31525 | Cosenza - AG. 2 |
| CARMIT31601 | Agenzia Centrale di Cosenza |
| CARMIT31H90 | Fil.di Cosenza - Ag.3 |
Cotronei
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31602 | — |
Crosia
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31623 | Mirto (Crosia |
Crotone
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31527 | Crotone - AG. Centrale |
| CARMIT31642 | Crotone - AG. 1 |
Diamante
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31529 | — |
Eboli
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31750 | — |
Erchie
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31106 | — |
Fasano
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31118 | Agenzia di Fasano |
Ferrandina
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31624 | — |
Foggia
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31219 | Foggia - AG. 1 |
Francavilla Fontana
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31107 | — |
Fuscaldo
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31530 | — |
Galatina
| SWIFT/BIC | Branch |
|---|---|
| CARMIT318AC | Galatina |
Genzano di Lucania
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31603 | — |
Ginosa
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31405 | — |
Gioia del Colle
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31022 | — |
Gioia Tauro
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31532 | — |
Giovinazzo
| SWIFT/BIC | Branch |
|---|---|
| CARMIT317B4 | Giovinazzo |
Girifalco
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31534 | — |
Gravina In Puglia
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31023 | — |
Grottaglie
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31413 | — |
Grumo Appula
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31024 | — |
Lago
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31537 | — |
Lagonegro
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31604 | — |
Lamezia Terme
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31551 | — |
| CARMIT31622 | Lamezia Terme - AG. 1 |
Laterza
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31406 | — |
Latiano
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31108 | — |
Laureana di Borrello
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31538 | — |
Lauria
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31539 | — |
Lecce
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31301 | Agenzia Centrale di Lecce |
Lizzano
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31407 | — |
Locri
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31540 | — |
Lucera
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31206 | — |
Lungro
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31542 | — |
Maglie
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31318 | Maglie |
Manduria
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31408 | — |
Manfredonia
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31207 | Filiale di Manfredonia |
Margherita di Savoia
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31208 | — |
Marina di Gioiosa Ionica
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31544 | Marina di Gioiosa Ionica |
Marsicovetere
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31621 | Villa D'agri (Marsicov. |
Martina Franca
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31409 | Agenzia di Martina Franca |
Massafra
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31410 | — |
Matera
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31545 | Agenzia Centrale di Matera |
| CARMIT31630 | Matera - AG. 1 |
Melfi
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31546 | — |
Melito di Porto Salvo
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31672 | — |
Mercato San Severino
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31748 | — |
Mesagne
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31110 | — |
Modugno
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31026 | — |
Mola di Bari
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31027 | — |
Molfetta
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31028 | — |
Monasterace
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31628 | Monasterace Marina |
Monopoli
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31030 | Agenzia di Monopoli |
| CARMIT31785 | Monopoli Ag.2 |
Montalbano Jonico
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31548 | Montalbano Jonico |
Montalto Uffugo
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31680 | Taverna Montalto Uffugo |
Montescaglioso
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31669 | — |
Mormanno
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31550 | — |
Nardo'
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31308 | Nardo' |
Nocera Inferiore
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31756 | Nocera Inferiore |
Noci
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31031 | — |
Noicattaro
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31033 | Agenzia di Noicattaro |
Ostuni
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31124 | — |
Palagianello
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31411 | — |
Palmi
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31606 | — |
Paola
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31556 | — |
Petilia Policastro
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31607 | — |
Pisticci
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31557 | — |
Pizzo
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31558 | Pizzo Calabro |
Policoro
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31656 | — |
Polignano A Mare
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31034 | Agenzia di Polignano A Mare |
Polistena
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31559 | — |
Pontecagnano Faiano
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31715 | Pontecagnano |
Potenza
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31560 | Agenzia Centrale di Potenza |
| CARMIT31625 | Potenza - AG. 1 |
| CARMIT31631 | Potenza - AG. 2 |
| CARMIT31693 | Potenza - AG. 3 |
Praia A Mare
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31561 | — |
Putignano
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31035 | Filiale di Putignano |
Reggio di Calabria
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31562 | Agenzia Centrale di Reggio Calabria |
| CARMIT31582 | Reggio Calabria - AG. 1 |
| CARMIT31617 | Reggio Calabria - AG. 3 |
Rende
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31514 | Rende - AG. 1 |
| CARMIT31654 | Rende - AG. 2 |
Rionero In Vulture
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31564 | — |
Rizziconi
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31565 | — |
Roccapiemonte
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31760 | — |
Roccella Ionica
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31566 | Roccella Ionica |
Roggiano Gravina
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31567 | — |
Rogliano
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31568 | — |
Rosarno
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31570 | — |
Rossano
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31571 | — |
| CARMIT31572 | Rossano - AG. 1 - Scalo |
Rotonda
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31573 | — |
Rutigliano
| SWIFT/BIC | Branch |
|---|---|
| CARMIT3179E | Fil.di Rutigliano |
Ruvo di Puglia
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31H95 | Fil.di Ruvo di Puglia |
Salerno
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31701 | Agenzia Centrale di Salerno |
| CARMIT31743 | Salerno - AG. 2 |
| CARMIT31795 | Salerno - AG. 1 |
| CARMIT31A67 | Salerno |
San Demetrio Corone
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31574 | — |
San Giorgio Ionico
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31412 | — |
San Giovanni In Fiore
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31576 | — |
San Giovanni Rotondo
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31218 | — |
San Lucido
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31577 | — |
San Severo
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31211 | — |
San Vito Dei Normanni
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31125 | — |
Sannicandro di Bari
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31038 | — |
Sant'agata di Puglia
| SWIFT/BIC | Branch |
|---|---|
| CARMIT317A0 | Fil.di Sant'agata di Puglia |
Sant'arcangelo
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31618 | Sant'arcangelo |
Sant'egidio del Monte Albino
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31710 | Sant'egidio del Monte A. |
Santeramo In Colle
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31040 | — |
Sarno
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31747 | — |
Scalea
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31583 | — |
Senise
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31619 | — |
Serra San Bruno
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31620 | — |
Siderno
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31586 | — |
Soverato
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31588 | — |
Soveria Mannelli
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31589 | — |
Spezzano Albanese
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31655 | — |
Spezzano Della Sila
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31590 | — |
| CARMIT3178D | Fil.di Camigliatello Silano |
Squinzano
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31303 | — |
Strongoli
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31591 | — |
Taranto
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31401 | Agenzia Centrale di Taranto |
| CARMIT31402 | Taranto - AG. 1 |
Taurianova
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31592 | — |
Teggiano
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31770 | — |
Torano Castello
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31593 | — |
Trani
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31042 | — |
Trebisacce
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31594 | — |
Trepuzzi
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31304 | — |
Tricase
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31305 | — |
Troia
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31797 | Fil.di Troia |
Tropea
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31595 | — |
Turi
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31043 | — |
Tursi
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31609 | — |
Valenzano
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31044 | — |
Vallo Della Lucania
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31765 | — |
Veglie
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31306 | — |
Vibo Valentia
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31596 | Vibo Valentia-Ag.centrale |
| CARMIT31597 | Vibo Valentia - AG. 1 |
Vico del Gargano
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31214 | — |
Villa San Giovanni
| SWIFT/BIC | Branch |
|---|---|
| CARMIT31634 | — |
The way the Ubi Banca SPA (Formerly Banca Carime SPA) SWIFT/BIC is structured
A SWIFT/BIC code has 8 or 11 characters. Each part has a fixed meaning:
- CARM Bank code
- 4 letters that identify the bank.
- IT Country code
- 2 letters for the country (ISO 3166).
- 31 Location code
- 2 characters for the city or region of the head office.
- XXX Branch code
- 3 characters for a specific branch. XXX means the head office.
Ubi Banca SPA (Formerly Banca Carime SPA) SWIFT code: CARMIT31
CARMIT31 and CARMIT31XXX are two spellings of the same bank identifier, and both point to Ubi Banca SPA (Formerly Banca Carime SPA) in Bergamo. The code has a single purpose: it ensures that an international payment reaches the right bank. In practice you usually come across the code on international invoices, in your banking app and on the account details of Ubi Banca SPA (Formerly Banca Carime SPA) customers.
We wrote this page to help anyone who sends money to an account at Ubi Banca SPA (Formerly Banca Carime SPA) and wants to get the details right. The SWIFT code on its own cannot identify an individual account holder; that is what the account number or IBAN is for.
The Euro and what conversion costs you
Accounts at Ubi Banca SPA (Formerly Banca Carime SPA) are usually held in EUR, the national currency of Italy. A payment in a foreign currency will be converted into EUR on its way to Ubi Banca SPA (Formerly Banca Carime SPA). You rarely see a separate line for the conversion – the cost sits in the rate.
Who does the conversion has an effect on the final amount, since every bank sets its own rate. Sending the amount directly in EUR often prevents a second conversion at the receiving end.
The rate for EUR changes throughout the day and quotes are often valid only for a short time. On larger amounts, a seemingly small difference in the rate adds up quickly.
Receiving money from abroad at Ubi Banca SPA (Formerly Banca Carime SPA)
Someone abroad who wants to pay you needs several details from you. The basics are: your name, account number or IBAN, CARMIT31XXX and, for some countries, your postal address.
Some banks want the name and address of Ubi Banca SPA (Formerly Banca Carime SPA). A mistake in the IBAN can be harder to fix than you might think, so copy the details from your online banking.
Money from abroad will not always land for the full amount. Intermediary banks may deduct a fee, and if the money is converted, a markup on the rate comes on top. Agree with the sender who covers the fees, especially for larger amounts.
What the XXX in CARMIT31XXX means
A SWIFT code is made up of a few fixed parts: characters one to four stand for the bank, the next two show the country and characters seven and eight indicate the location. The result is CARMIT31 for Ubi Banca SPA (Formerly Banca Carime SPA).
XXX at the end of CARMIT31XXX does not stand for a missing value or a mistake: it indicates the main office of Ubi Banca SPA (Formerly Banca Carime SPA). Certain payment forms ask for 11 characters, and then you simply add XXX after CARMIT31.
In practice the code is written in capitals. Watch for O versus 0 or I versus 1; they are easy to mix up.
Verifying the SWIFT code of Ubi Banca SPA (Formerly Banca Carime SPA)
The most reliable place for the correct BIC is paperwork issued by the bank like a bank statement or the account page in online banking. When the code you were given differs from CARMIT31 or CARMIT31XXX, stop and ask.
Mistakes in the BIC tend to be annoying rather than disastrous: often the payment comes back, minus fees. Remember the account number: a mistake there can be harder to correct than a wrong BIC.
Many banking apps check the format of an IBAN and some suggest the matching BIC – that confirms the format, not the owner. Where available, a name check on the recipient adds extra certainty. A small test payment can be worth it for a large first payment, even if it costs an extra fee.
Choosing between the 212 SWIFT codes of Ubi Banca SPA (Formerly Banca Carime SPA)
With 212 codes, Ubi Banca SPA (Formerly Banca Carime SPA) is one of the banks that use separate codes for branches. The head office code remains CARMIT31XXX.
For the vast majority of incoming transfers, the head office code CARMIT31XXX is the right choice. A branch code only makes sense if the recipient’s bank specifically asks for it, which is more common for business accounts and specialised services.
Unsure which code to use? Check with the recipient or the bank itself. Branch codes can change over time, so do not rely on old paperwork.
Sending money abroad from Ubi Banca SPA (Formerly Banca Carime SPA)
If you transfer money abroad from Ubi Banca SPA (Formerly Banca Carime SPA), the visible fee is rarely all of what you pay. On top of a fixed fee, banks in between may deduct a fee, and when currencies are converted the bank usually applies a rate below the real market rate.
Most of the cost usually sits in the exchange rate, not in the fee: the bank converts at a rate with a margin built in. Check their rate against the mid-market rate.
Specialised transfer providers frequently offer a rate near the mid-market rate. GoldexPay compares transfer providers side by side so you can see the amount the recipient gets before you commit. Choosing a specialist does not require closing your account at Ubi Banca SPA (Formerly Banca Carime SPA): you simply pay the service from your account.
Transfer times and tracking a payment to Ubi Banca SPA (Formerly Banca Carime SPA)
There is no fixed delivery time for every transfer: some land within a day while others need several business days. Weekends and public holidays in either country add a day or more. Compliance checks by one of the banks may also add some delay.
When a payment takes longer than expected, ask your bank for the tracking status and the transaction reference so they can trace it along the chain. Specialist transfer services often show a status online showing how far the money has got.
A delayed transfer has to be investigated from the sending side. On the receiving end, you can look at your statements to see a slightly lower amount, since fees may have been deducted.
Do you need CARMIT31 for a SEPA transfer?
Italy is part of the SEPA area. When you send euros from another SEPA country, you normally only need the IBAN.
You still need CARMIT31XXX when sending payments in other currencies or money from outside the SEPA area. If your banking app has a field for the BIC anyway, adding CARMIT31 does no harm.
Instant euro transfers are widely available within SEPA – whether Ubi Banca SPA (Formerly Banca Carime SPA) offers them for your account is worth checking. Fees for SEPA transfers tend to be low as long as everything stays in euros.
Where our SWIFT data comes from
The codes here are taken from public sources. Banks reorganise, change names and change codes. The number of codes we show are based on our own data.
Treat this page as a starting point, not as the final word: the recipient’s bank details come first. GoldexPay is not affiliated with Ubi Banca SPA (Formerly Banca Carime SPA). If you notice a mistake, we appreciate a message.
Protect yourself against fake payment requests
Scammers often send fake invoices containing new bank details. That CARMIT31 is a real code is no guarantee that a request mentioning it is genuine; criminals use the codes of real banks too.
Do not trust contact details from the same email that announces the change. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. When money has already gone to a fraudster, contact your bank immediately.
People receiving money can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to send back the difference to another account. Wait until the money is actually in your account – ask Ubi Banca SPA (Formerly Banca Carime SPA) if something looks wrong.
Frequently asked questions
What is the SWIFT/BIC code of Ubi Banca SPA (Formerly Banca Carime SPA)?
Ubi Banca SPA (Formerly Banca Carime SPA) uses CARMIT31XXX. Use this code for most international transfers.
How many SWIFT codes does Ubi Banca SPA (Formerly Banca Carime SPA) have?
Our database contains 212 SWIFT/BIC codes for Ubi Banca SPA (Formerly Banca Carime SPA) across 177 locations. Every code identifies the head office or a branch.
What if I use the wrong SWIFT code for Ubi Banca SPA (Formerly Banca Carime SPA)?
Your payment can be returned or delayed. Double-check the code with Ubi Banca SPA (Formerly Banca Carime SPA) before sending.
How long does a transfer to Ubi Banca SPA (Formerly Banca Carime SPA) take?
SEPA transfers in euros usually arrive within one business day. Other currencies can take a few days.
Do I need the BIC of Ubi Banca SPA (Formerly Banca Carime SPA) for a euro transfer?
Usually not. Italy is in the SEPA area, so for euro payments the IBAN is enough. For other currencies you still need CARMIT31XXX.
When do I use a branch code of Ubi Banca SPA (Formerly Banca Carime SPA)?
Just when the recipient asks for it. Most international payments to Ubi Banca SPA (Formerly Banca Carime SPA) work with the head office code CARMIT31XXX.
Source: listbase-org SWIFT/BIC database (MIT licence), updated monthly. Always verify the code with the recipient or their bank.