Ubi Banca SPA (Formerly Banca di Valle Camonica SPA) SWIFT/BIC code

SWIFT/BIC code of Ubi Banca SPA (Formerly Banca di Valle Camonica SPA)

BVCAIT21 and BVCAIT21XXX are two spellings of the same bank identifier, and both point to Ubi Banca SPA (Formerly Banca di Valle Camonica SPA) in Bergamo. A BIC does one job: it ensures that a cross-border transfer ends up at the right bank. In practice you mostly come across it on invoices from abroad, in payment forms and in the bank details that Ubi Banca SPA (Formerly Banca di Valle Camonica SPA) provides.

We wrote this page to help people who pays into an account at Ubi Banca SPA (Formerly Banca di Valle Camonica SPA) without mistakes. The SWIFT code alone does not identify an individual account holder; for that you need the account number or IBAN .

How long does an international transfer to Ubi Banca SPA (Formerly Banca di Valle Camonica SPA) take?

How quickly a transfer reaches Ubi Banca SPA (Formerly Banca di Valle Camonica SPA) is determined by several factors: which currency you send, the number of banks in between, cut-off times and time zones. Weekends and public holidays in either country add a day or more. Extra checks on larger or unusual payments may also add some delay.

If a transfer is delayed, contact your bank for the tracking status; with that reference banks can see where the payment is. Specialist transfer services often show tracking in their app showing how far the money is.

The bank that sent the money is able to start an official trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. As a recipient, it helps to look at your account for a slightly lower amount because fees can reduce the amount.

SEPA payments and the Ubi Banca SPA (Formerly Banca di Valle Camonica SPA) BIC

Since Italy is part of SEPA, a euro transfer to Ubi Banca SPA (Formerly Banca di Valle Camonica SPA) from within the SEPA area usually requires just the IBAN. Many banks do not require the BIC for these payments.

Outside the euro and for senders outside SEPA, BVCAIT21XXX is still required. If your banking app asks for the BIC regardless, entering BVCAIT21 does no harm.

Instant euro transfers are widely supported across SEPA; check with Ubi Banca SPA (Formerly Banca di Valle Camonica SPA) whether it applies to your account. Fees for SEPA payments are generally low.

Watch out for payment fraud

Fraudsters regularly send payment requests with changed bank details. A valid SWIFT code says nothing about who owns the account – scammers simply use real codes.

Always confirm changed bank details through a phone call, using a number you already had. Pressure or requests to keep it quiet are red flags – a real supplier can wait a day. Already paid? Call the bank you paid from without delay and ask them to start a recall and report the fraud.

Recipients are targeted too: one known trick is an overpayment followed by a request to send back the difference. A payment confirmation from the sender proves nothing – check your own account.

How up to date is this code?

We gather bank codes using publicly available data and update them from time to time. Institutions merge, close branches and change codes. Figures such as the number of codes come from our own dataset and are not confirmed by Ubi Banca SPA (Formerly Banca di Valle Camonica SPA).

See our directory on this page as a helpful check and rely on the recipient or Ubi Banca SPA (Formerly Banca di Valle Camonica SPA) for the final confirmation. GoldexPay is independent of Ubi Banca SPA (Formerly Banca di Valle Camonica SPA), we only compare transfer services. Should you notice something that is out of date, we appreciate a message via the contact page.

Head office or branch code at Ubi Banca SPA (Formerly Banca di Valle Camonica SPA)?

With 54 codes in 53 locations, Ubi Banca SPA (Formerly Banca di Valle Camonica SPA) belongs to the banks that register individual codes for parts of the organisation and departments. The main code remains BVCAIT21XXX.

For most payments to a private or business account, the head office code BVCAIT21XXX works fine. A branch code only makes sense if the account holder specifically mentions it, which is more common for corporate accounts and trade services.

When in doubt, ask the person you are paying which code their bank gave them. Branch codes can change over time.

Why Ubi Banca SPA (Formerly Banca di Valle Camonica SPA) has an 8- and an 11-character code

Every SWIFT/BIC code starts with an 8-character core: four letters for the bank, two letters for the country and two characters for the location. That gives you BVCAIT21.

Many banks and apps work with either length. If a form asks for eleven characters, enter BVCAIT21XXX, otherwise BVCAIT21 is fine.

Do not add spaces when you enter BVCAIT21. Watch for the letter O and the digit 0 or I versus 1, a common source of typos.

Euro (EUR) and conversion costs

The national currency in Italy is the Euro (EUR). A payment in a foreign currency will be converted into EUR before it reaches the account – and the bank that does it picks the rate. You rarely see a separate charge for that conversion – the cost sits in the rate.

Who converts the payment matters, because each party uses its own rate. Often it is cheaper if you send EUR straight away through a transfer service with a good rate.

Exchange rates move during the day. With bigger transfers, a small gap in the rate can be worth more than the fee.

Paying someone abroad from your Ubi Banca SPA (Formerly Banca di Valle Camonica SPA) account

The price of a payment abroad is made up of several parts, and the transfer fee is only the most visible one. There is the fee for the transfer itself, possibly charges from correspondent banks in between and, most importantly, the margin on the exchange rate if the currency changes.

Many banks rarely show their exchange rate markup as a cost – you only notice it if you compare. Check their rate with the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

Specialised transfer providers often offer a rate near the mid-market rate with clearer fees. On GoldexPay we compare the amount that arrives across providers, so you can pick the cheapest route. Using a transfer service does not mean leaving Ubi Banca SPA (Formerly Banca di Valle Camonica SPA) – you pay the provider from your own account.

Getting paid from abroad into a Ubi Banca SPA (Formerly Banca di Valle Camonica SPA) account

Someone abroad who wants to pay you needs a few details from you – incomplete details often cause delays. What they need is: your name, account number or IBAN, BVCAIT21XXX and in many cases your home address.

Certain sending banks want the name and address of Ubi Banca SPA (Formerly Banca di Valle Camonica SPA) in Bergamo. Check each detail before you send them – a sender rarely spots a mistake in someone else’s details.

Expect that the incoming amount is smaller than what the sender paid. Intermediary banks may deduct a fee, Ubi Banca SPA (Formerly Banca di Valle Camonica SPA) may charge for incoming payments, and when currencies differ, a markup on the rate applies. Make clear with the sender who covers the fees, especially for larger amounts.

Before you send: check the Ubi Banca SPA (Formerly Banca di Valle Camonica SPA) code

Have the recipient copy the account details directly from their online banking. When the code you were given does not match BVCAIT21 or BVCAIT21XXX, stop and ask – contact the recipient or Ubi Banca SPA (Formerly Banca di Valle Camonica SPA).

Errors in the BIC are annoying rather than fatal – usually the money comes back, minus fees and time lost. Remember the account number: a mistake there is more difficult to undo than a wrong code.

Most online banking apps validate the structure of IBANs and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. Where available, a name check before sending adds an extra layer of safety. For a first payment, some people send a small amount first.