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Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA) SWIFT/BIC code

The head office of Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA) in Italy uses SWIFT/BIC code BEPOIT21XXX. Below you find all 281 codes of this bank, grouped by city.

BEPOIT21XXX
Head office · Bergamo · Italy · Short form: BEPOIT21

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All SWIFT/BIC codes of Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA)

Bergamo

SWIFT/BICBranch
BEPOIT21XXX Head office
BEPOIT21020 Bergamo Sede
BEPOIT21024 Private Banking
BEPOIT21038 Clienti Istituzionali
BEPOIT21084 Fil. Bergamo Brigata Lupi
BEPOIT21900 Bergamo-Loreto
BEPOIT21910 Bergamo-Redona
BEPOIT21920 Bergamo-Borgo S. Caterina
BEPOIT21930 Bergamo-Citta' Alta
BEPOIT21940 Bergamo-Piazza Pontida
BEPOIT21950 Bergamo-Borgo Palazzo
BEPOIT21951 Bergamo-Clementina
BEPOIT21960 Bergamo-Longuelo
BEPOIT21980 Bergamo-San Bernardino

Agrate Brianza

SWIFT/BICBranch
BEPOIT21123 Fil.agrate Brianza

Albano Sant'alessandro

SWIFT/BICBranch
BEPOIT21620 Albano Sant'alessandro

Albino

SWIFT/BICBranch
BEPOIT21110 Albino

Alme'

SWIFT/BICBranch
BEPOIT21120 Alme'

Almenno San Bartolomeo

SWIFT/BICBranch
BEPOIT21131 —

Almenno San Salvatore

SWIFT/BICBranch
BEPOIT21130 —

Alzano Lombardo

SWIFT/BICBranch
BEPOIT21140 —

Angera

SWIFT/BICBranch
BEPOIT21166 Fil. Angera

Arcene

SWIFT/BICBranch
BEPOIT21700 —

Arcore

SWIFT/BICBranch
BEPOIT21145 Fil. Arcore

Ardesio

SWIFT/BICBranch
BEPOIT21560 —

Azzano San Paolo

SWIFT/BICBranch
BEPOIT21710 —

Azzate

SWIFT/BICBranch
BEPOIT21572 —

Bagnatica

SWIFT/BICBranch
BEPOIT217AB Bagnatica

Berbenno

SWIFT/BICBranch
BEPOIT21580 Ponte Giurino

Bernareggio

SWIFT/BICBranch
BEPOIT21159 Bernareggio

Besozzo

SWIFT/BICBranch
BEPOIT21587 —

Biandronno

SWIFT/BICBranch
BEPOIT21173 Fil. Biandronno

Biassono

SWIFT/BICBranch
BEPOIT21125 Fil. Biassono

Bisuschio

SWIFT/BICBranch
BEPOIT21168 Fil. Bisuschio

Bodio Lomnago

SWIFT/BICBranch
BEPOIT21582 —

Boltiere

SWIFT/BICBranch
BEPOIT21302 —

Bonate Sopra

SWIFT/BICBranch
BEPOIT21313 —

Brembilla

SWIFT/BICBranch
BEPOIT21540 —

Brescia

SWIFT/BICBranch
BEPOIT21820 Brescia Sede

Brignano Gera D'adda

SWIFT/BICBranch
BEPOIT21150 Brignano Gera D'adda

Brugherio

SWIFT/BICBranch
BEPOIT21162 Fil. Brugherio

Bulciago

SWIFT/BICBranch
BEPOIT21139 Fil. Bulciago

Busto Arsizio

SWIFT/BICBranch
BEPOIT21148 Fil Busto Arsizio Cadorna
BEPOIT21169 Fil. Busto Arsizio Foscolo
BEPOIT21615 Busto Arsizio Sede
BEPOIT21623 Busto A.-Sacconago
BEPOIT21626 Busto A.-Piazza Manzoni
BEPOIT21627 Busto A.-Viale Alfieri

Cairate

SWIFT/BICBranch
BEPOIT21609 —

Calcinate

SWIFT/BICBranch
BEPOIT21273 —

Calcio

SWIFT/BICBranch
BEPOIT21160 —

Calco

SWIFT/BICBranch
BEPOIT21398 Calco

Calolziocorte

SWIFT/BICBranch
BEPOIT21170 —

Calusco D'adda

SWIFT/BICBranch
BEPOIT21180 Calusco D'adda

Cantello

SWIFT/BICBranch
BEPOIT21172 Fil. Cantello

Cantu'

SWIFT/BICBranch
BEPOIT21725 Cantu'

Carate Brianza

SWIFT/BICBranch
BEPOIT21882 —

Caravaggio

SWIFT/BICBranch
BEPOIT21190 —

Cardano Al Campo

SWIFT/BICBranch
BEPOIT21637 —

Carnate

SWIFT/BICBranch
BEPOIT21072 —

Caronno Pertusella

SWIFT/BICBranch
BEPOIT21706 —

Carvico

SWIFT/BICBranch
BEPOIT21720 —

Casatenovo

SWIFT/BICBranch
BEPOIT21083 Casatenovo

Casazza

SWIFT/BICBranch
BEPOIT21200 —

Casnate Con Bernate

SWIFT/BICBranch
BEPOIT21164 Fil. Casnate

Casorate Sempione

SWIFT/BICBranch
BEPOIT21638 —

Cassano D'adda

SWIFT/BICBranch
BEPOIT21870 Cassano D'adda

Cassano Magnago

SWIFT/BICBranch
BEPOIT21663 —

Castellanza

SWIFT/BICBranch
BEPOIT21215 Fil. Castellanza

Castiglione Olona

SWIFT/BICBranch
BEPOIT21209 Fil. Castiglione Olona Battisti

Castione Della Presolana

SWIFT/BICBranch
BEPOIT21730 —

Castronno

SWIFT/BICBranch
BEPOIT21211 Fil. Castronno

Cavaria Con Premezzo

SWIFT/BICBranch
BEPOIT21203 Fil. Cavaria Con Premezzo

Cenate Sotto

SWIFT/BICBranch
BEPOIT21411 —

Cene

SWIFT/BICBranch
BEPOIT21510 —

Cermenate

SWIFT/BICBranch
BEPOIT21891 —

Cernusco Lombardone

SWIFT/BICBranch
BEPOIT21885 —

Cesano Maderno

SWIFT/BICBranch
BEPOIT21142 Fil. Binzago Cesano M.

Chiari

SWIFT/BICBranch
BEPOIT21810 —

Chiuduno

SWIFT/BICBranch
BEPOIT21480 —

Ciampino

SWIFT/BICBranch
BEPOIT21085 Filiale di Ciampino

Cisano Bergamasco

SWIFT/BICBranch
BEPOIT21210 —

Ciserano

SWIFT/BICBranch
BEPOIT21610 Zingonia (Ciserano

Cislago

SWIFT/BICBranch
BEPOIT21707 —

Cittiglio

SWIFT/BICBranch
BEPOIT21174 Fil. Cittiglio

Cividate Al Piano

SWIFT/BICBranch
BEPOIT21163 —

Clusone

SWIFT/BICBranch
BEPOIT21220 —

Colere

SWIFT/BICBranch
BEPOIT21740 Dezzo di Scalve

Comerio

SWIFT/BICBranch
BEPOIT21175 Fil. Comerio

Como

SWIFT/BICBranch
BEPOIT21093 Fil.como - Via Gallio
BEPOIT21137 Fil. Como - Via Cattaneio
BEPOIT21179 Fil. Como - Moro
BEPOIT21892 Como Sede
BEPOIT21896 Como-Camerlata

Comun Nuovo

SWIFT/BICBranch
BEPOIT21431 —

Concesio

SWIFT/BICBranch
BEPOIT21821 —

Cornate D'adda

SWIFT/BICBranch
BEPOIT21151 Fil. Cornate D'adda

Costa Masnaga

SWIFT/BICBranch
BEPOIT217AA Costa Masnaga

Costa Volpino

SWIFT/BICBranch
BEPOIT21640 —

Cunardo

SWIFT/BICBranch
BEPOIT21176 Fil. Cunardo

Curno

SWIFT/BICBranch
BEPOIT21312 —

Cuveglio

SWIFT/BICBranch
BEPOIT21178 Fil. Cuveglio

Dalmine

SWIFT/BICBranch
BEPOIT21460 —

Darfo Boario Terme

SWIFT/BICBranch
BEPOIT21230 Darfo Boario Terme

Desenzano del Garda

SWIFT/BICBranch
BEPOIT21819 —

Desio

SWIFT/BICBranch
BEPOIT21042 —

Erba

SWIFT/BICBranch
BEPOIT21895 —

Fagnano Olona

SWIFT/BICBranch
BEPOIT21616 —

Ferno

SWIFT/BICBranch
BEPOIT21646 —

Fontanella

SWIFT/BICBranch
BEPOIT21240 —

Gallarate

SWIFT/BICBranch
BEPOIT21104 Fil. Gallarate Via Torino
BEPOIT21122 Fil. Gallarate Via Sanzio
BEPOIT21635 Gallarate Sede
BEPOIT21666 Gallarate-Marsala
BEPOIT21667 Gallarate-Cascinetta
BEPOIT21669 Gallarate-Buonarroti

Gandino

SWIFT/BICBranch
BEPOIT21250 —

Gavirate

SWIFT/BICBranch
BEPOIT21585 —

Gazzada-Schianno

SWIFT/BICBranch
BEPOIT21565 —

Gazzaniga

SWIFT/BICBranch
BEPOIT21070 —

Gerenzano

SWIFT/BICBranch
BEPOIT21717 —

Germignaga

SWIFT/BICBranch
BEPOIT21181 Fil. Germignaga

Giussano

SWIFT/BICBranch
BEPOIT21141 Fil. Brugazzo (Giussano

Gorla Maggiore

SWIFT/BICBranch
BEPOIT21619 —

Gorlago

SWIFT/BICBranch
BEPOIT21530 —

Gorle

SWIFT/BICBranch
BEPOIT21392 —

Grassobbio

SWIFT/BICBranch
BEPOIT21713 —

Grumello del Monte

SWIFT/BICBranch
BEPOIT21450 —

Guanzate

SWIFT/BICBranch
BEPOIT21A50 Guanzate

Induno Olona

SWIFT/BICBranch
BEPOIT21563 —

Ispra

SWIFT/BICBranch
BEPOIT21592 —

Jerago Con Orago

SWIFT/BICBranch
BEPOIT21642 —

Lavena Ponte Tresa

SWIFT/BICBranch
BEPOIT21697 Fil. Lavena Ponte Tresa

Laveno-Mombello

SWIFT/BICBranch
BEPOIT21586 Laveno-Mombello

Lecco

SWIFT/BICBranch
BEPOIT21188 Fil. Lecco 3
BEPOIT21890 Lecco

Leffe

SWIFT/BICBranch
BEPOIT21260 —

Leggiuno

SWIFT/BICBranch
BEPOIT21184 Fil. Leggiuno

Limbiate

SWIFT/BICBranch
BEPOIT21156 Fil. Limbiate

Lissone

SWIFT/BICBranch
BEPOIT21155 Fil. Lissone - San Carlo

Lomazzo

SWIFT/BICBranch
BEPOIT21096 Fil. Lomazzo

Lonate Pozzolo

SWIFT/BICBranch
BEPOIT21643 —

Lovere

SWIFT/BICBranch
BEPOIT21080 —

Luino

SWIFT/BICBranch
BEPOIT21165 Fil. Luino 1

Lurago D'erba

SWIFT/BICBranch
BEPOIT21321 Fil.di Lurago D'erba

Lurate Caccivio

SWIFT/BICBranch
BEPOIT21144 Fil. Lurate Caccivio

Madone

SWIFT/BICBranch
BEPOIT21670 —

Malnate

SWIFT/BICBranch
BEPOIT21566 —

Manerbio

SWIFT/BICBranch
BEPOIT21830 —

Mapello

SWIFT/BICBranch
BEPOIT21314 —

Marchirolo

SWIFT/BICBranch
BEPOIT21189 Fil. Marchirolo

Mariano Comense

SWIFT/BICBranch
BEPOIT21726 —

Marnate

SWIFT/BICBranch
BEPOIT21622 —

Martinengo

SWIFT/BICBranch
BEPOIT21270 —

Meda

SWIFT/BICBranch
BEPOIT21047 —

Merate

SWIFT/BICBranch
BEPOIT21136 Fil. Merate

Mercallo

SWIFT/BICBranch
BEPOIT21665 —

Mezzago

SWIFT/BICBranch
BEPOIT21421 —

Milano

SWIFT/BICBranch
BEPOIT21040 Milano Sede
BEPOIT21043 Milano-Piazza 5 Giornate
BEPOIT21050 Milano-Corso Italia
BEPOIT21759 Milano Via Foppa
BEPOIT21938 Filiale Sicav

Monterotondo

SWIFT/BICBranch
BEPOIT21114 Monterotondo

Monza

SWIFT/BICBranch
BEPOIT21071 Fil. Monza Piazza Duomo
BEPOIT21132 Fil. Monza Cavallotti 1
BEPOIT21146 Fil. Monza Manzoni
BEPOIT21157 Fil. Monza Rota
BEPOIT21396 Monza Via Bergamo
BEPOIT21698 Monza Via Boito
BEPOIT21880 —
BEPOIT21881 Monza-Arengario
BEPOIT21883 Monza-San Rocco

Mornago

SWIFT/BICBranch
BEPOIT21559 —

Muggio'

SWIFT/BICBranch
BEPOIT21153 Muggio'

Nembro

SWIFT/BICBranch
BEPOIT21280 —

Nova Milanese

SWIFT/BICBranch
BEPOIT21748 —

Olgiate Comasco

SWIFT/BICBranch
BEPOIT21094 Fil. Olgiate Comasco 1

Olgiate Olona

SWIFT/BICBranch
BEPOIT21617 —

Olginate

SWIFT/BICBranch
BEPOIT21171 —

Oltrona di San Mamette

SWIFT/BICBranch
BEPOIT21888 Oltrona San Mamette

Origgio

SWIFT/BICBranch
BEPOIT21709 —

Orio Al Serio

SWIFT/BICBranch
BEPOIT21714 —

Orzinuovi

SWIFT/BICBranch
BEPOIT21824 —

Osio Sopra

SWIFT/BICBranch
BEPOIT21301 —

Osio Sotto

SWIFT/BICBranch
BEPOIT21300 —

Ospitaletto

SWIFT/BICBranch
BEPOIT21822 —

Paladina

SWIFT/BICBranch
BEPOIT21570 —

Palazzolo Sull'oglio

SWIFT/BICBranch
BEPOIT21090 Palazzolo Sull'oglio

Palosco

SWIFT/BICBranch
BEPOIT21091 —

Paratico

SWIFT/BICBranch
BEPOIT21182 Filiale di Paratico

Parre

SWIFT/BICBranch
BEPOIT21292 —

Piazza Brembana

SWIFT/BICBranch
BEPOIT21350 —

Pomezia

SWIFT/BICBranch
BEPOIT21115 Pomezia

Ponte Nossa

SWIFT/BICBranch
BEPOIT21290 —

Ponte San Pietro

SWIFT/BICBranch
BEPOIT21310 —

Ponteranica

SWIFT/BICBranch
BEPOIT21490 —

Pontida

SWIFT/BICBranch
BEPOIT21212 —

Porto Ceresio

SWIFT/BICBranch
BEPOIT21213 Fil. Porto Ceresio

Presezzo

SWIFT/BICBranch
BEPOIT21311 —

Ranica

SWIFT/BICBranch
BEPOIT21590 —

Rezzato

SWIFT/BICBranch
BEPOIT21826 —

Roma

SWIFT/BICBranch
BEPOIT21111 Roma
BEPOIT21112 Roma-Eur
BEPOIT21113 Roma-Prati Fiscali
BEPOIT21116 Roma-Tuscolana
BEPOIT21117 Roma-Aurelio
BEPOIT21118 Roma Gattamelata
BEPOIT21119 Roma-Nomentana
BEPOIT21126 Roma-Tiburtina
BEPOIT21127 Roma-Porta Castello
BEPOIT21128 Roma Vigna Stelluti
BEPOIT21191 Fil.di Roma Santa Maria Maggiore
BEPOIT21765 Roma-Vittorio Emanuele
BEPOIT217A9 Roma Donna Olimpia

Romano di Lombardia

SWIFT/BICBranch
BEPOIT21320 —

Rovellasca

SWIFT/BICBranch
BEPOIT21889 —

Rovetta

SWIFT/BICBranch
BEPOIT21330 —

Saltrio

SWIFT/BICBranch
BEPOIT21579 —

Samarate

SWIFT/BICBranch
BEPOIT21649 Verghera (Samarate

San Giovanni Bianco

SWIFT/BICBranch
BEPOIT21340 —

San Paolo

SWIFT/BICBranch
BEPOIT21850 —

San Pellegrino Terme

SWIFT/BICBranch
BEPOIT21370 —

San Zeno Naviglio

SWIFT/BICBranch
BEPOIT21840 —

Sant'omobono Terme

SWIFT/BICBranch
BEPOIT21360 Sant'omobono Imagna

Sarnico

SWIFT/BICBranch
BEPOIT21380 Sarnico

Saronno

SWIFT/BICBranch
BEPOIT21101 Fil. Saronno Garibaldi
BEPOIT21149 Fil. Saronno - Borella
BEPOIT21703 Saronno-Via Roma
BEPOIT21705 Saronno Sede

Scanzorosciate

SWIFT/BICBranch
BEPOIT21390 —

Schilpario

SWIFT/BICBranch
BEPOIT21400 —

Selvino

SWIFT/BICBranch
BEPOIT21770 —

Seregno

SWIFT/BICBranch
BEPOIT21052 —
BEPOIT21152 Fil. Seregno - Sna Vitale

Seriate

SWIFT/BICBranch
BEPOIT21550 —

Sesto Calende

SWIFT/BICBranch
BEPOIT21644 —

Solbiate Arno

SWIFT/BICBranch
BEPOIT21645 —

Somma Lombardo

SWIFT/BICBranch
BEPOIT21647 —

Sovere

SWIFT/BICBranch
BEPOIT21520 —

Spirano

SWIFT/BICBranch
BEPOIT21600 —

Stezzano

SWIFT/BICBranch
BEPOIT21470 —

Tavernola Bergamasca

SWIFT/BICBranch
BEPOIT21680 —

Telgate

SWIFT/BICBranch
BEPOIT21451 —

Tradate

SWIFT/BICBranch
BEPOIT21107 Fil. Tradate 1
BEPOIT21599 Abbiate Guazzone(Tradate
BEPOIT21605 —

Travedona-Monate

SWIFT/BICBranch
BEPOIT21199 Fil. Travedona

Trescore Balneario

SWIFT/BICBranch
BEPOIT21410 —

Treviglio

SWIFT/BICBranch
BEPOIT21100 Treviglio

Trezzo Sull'adda

SWIFT/BICBranch
BEPOIT21420 Trezzo Sull'adda

Uboldo

SWIFT/BICBranch
BEPOIT21715 —

Urgnano

SWIFT/BICBranch
BEPOIT21601 —

Valbrembo

SWIFT/BICBranch
BEPOIT21571 —

Valmadrera

SWIFT/BICBranch
BEPOIT21897 —

Vaprio D'adda

SWIFT/BICBranch
BEPOIT21422 Vaprio D'adda

Varano Borghi

SWIFT/BICBranch
BEPOIT21589 —

Varese

SWIFT/BICBranch
BEPOIT21207 Fil. Varese - Sanvito
BEPOIT21208 Fil. Varese - Battistero
BEPOIT21555 Varese Sede
BEPOIT21557 Varese-Masnago
BEPOIT21562 Varese-Biumo Inferiore
BEPOIT21567 Varese-Sant'ambrogio O.
BEPOIT21569 Varese-Bizzozero
BEPOIT21575 Varese-Casbeno
BEPOIT21583 Varese-Valle Olona

Vedano Al Lambro

SWIFT/BICBranch
BEPOIT21158 Fil. Vedano Al Lambro

Vedano Olona

SWIFT/BICBranch
BEPOIT21607 —

Velletri

SWIFT/BICBranch
BEPOIT21048 Velletri

Venegono Inferiore

SWIFT/BICBranch
BEPOIT21608 —

Venegono Superiore

SWIFT/BICBranch
BEPOIT21108 Fil. Venegono Superiore 1

Verdello

SWIFT/BICBranch
BEPOIT21430 —

Vertova

SWIFT/BICBranch
BEPOIT21500 —

Viggiu'

SWIFT/BICBranch
BEPOIT21556 Viggiu'

Villa D'adda

SWIFT/BICBranch
BEPOIT21690 Villa D'adda

Villa D'alme'

SWIFT/BICBranch
BEPOIT21121 Villa D'alme'

Villasanta

SWIFT/BICBranch
BEPOIT21068 Villasanta

Villongo

SWIFT/BICBranch
BEPOIT21780 —

Vilminore di Scalve

SWIFT/BICBranch
BEPOIT21790 —

Vimercate

SWIFT/BICBranch
BEPOIT21860 —

Zogno

SWIFT/BICBranch
BEPOIT21440 —

The way the Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA) SWIFT/BIC works

A SWIFT/BIC code has 8 or 11 characters. Each part has a fixed meaning:

BEPO Bank code
4 letters that identify the bank.
IT Country code
2 letters for the country (ISO 3166).
21 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 Popolare di Bergamo SPA) SWIFT code: BEPOIT21

BEPOIT21 and BEPOIT21XXX are two ways of writing the same SWIFT/BIC code, and both point to Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA) in Bergamo. A SWIFT code shows the sending bank which institution is meant to get the money, a bit like a postal address for banks. In practice you usually come across it on invoices from abroad, in your banking app and on the account details of Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA) customers.

Further down we go through the practical side: receiving money at Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA), paying someone in another country and how to verify the code before you confirm a payment. The SWIFT code alone does not identify an individual account holder; for that you need the account number or IBAN is for.

The Euro and what conversion costs you

Italy pays in the Euro, with the currency code EUR. Money sent in a different currency will be converted into EUR on its way to Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA), and whoever converts it chooses the rate. You rarely see a separate charge for the conversion – the cost sits in the rate.

Which bank converts the payment matters, because each party uses its own rate. In many cases it is cheaper if you send EUR directly via a transfer service with a good rate.

Exchange rates change during the day. With bigger transfers, a small gap in the rate adds up quickly.

What a transfer from Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA) abroad really costs

When you send money to another country through Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA), the visible fee is rarely all of what you pay. On top of a fixed fee, correspondent or intermediary banks can deduct a fee, and when the money changes currency, the bank often applies a rate that is less favourable than the real market rate.

The markup on the rate tends to be the biggest cost even though it is not listed as a fee. An easy check: put the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

For many currency pairs, a specialist provider turns out to be less expensive than a bank – mostly thanks to the rate. GoldexPay lists transfer providers next to each other so you can see the amount the recipient gets. You can still keep your account at Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA).

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

How quickly a transfer reaches Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA) depends on a few things: which currency you send, how many intermediary banks are involved, cut-off times and differences in time zone. Bank holidays in either country can add extra days, since banks do not process on those days. Extra checks on larger or unusual payments can also cause a delay.

If a transfer seems delayed, ask your bank for the tracking status or the UETR. Keep your transfer receipt until the recipient confirms.

If the money does not arrive after a few business days, the person who paid should start with their own bank rather than Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA). On the receiving end, you can check your statements to see a slightly lower amount because fees can reduce the amount.

Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA): head office code versus branch codes

With 281 codes in 215 locations, Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA) is one of the banks that register separate codes for parts of the organisation and departments. The head office code is BEPOIT21XXX.

In most cases you do not need to look up a branch: transfers addressed to BEPOIT21XXX reach Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA) without problems. Just use a branch code when the recipient gives you that exact code, for example on an invoice or in their bank details.

Unsure which code to use? Ask the recipient or the bank itself. Branch codes are more prone to change than BEPOIT21XXX when a bank merges or closes offices.

Scams that use SWIFT codes

Be wary when a contact unexpectedly wants you to send money to a different account or a bank in another country. A correct SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Before paying, verify a change of bank details by phone on a number you know, not one from the message. Watch out for urgent requests, unusual wording or a sender address that is slightly off. When money was sent to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Recipients are targeted too: a classic trick is an overpayment followed by a request to refund the difference. A payment confirmation from the sender proves nothing.

Verifying the SWIFT code of Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA)

The most reliable place for the right code remains paperwork issued by the bank. If the code you have does not match BEPOIT21 or BEPOIT21XXX, do not guess.

A wrong SWIFT code can cause a delay, a returned payment or additional charges. A mistake in the IBAN or account number can be a bigger problem, because the money may be credited to someone else, so check that just as carefully.

A validity check by your bank merely confirms that the IBAN is valid – not that it belongs to the person you mean to pay. More and more banks compare the payee name against the account; take any warning seriously. When you pay someone new, many people start with a small amount first before sending the rest.

What the XXX in BEPOIT21XXX means

A SWIFT code is built from a few fixed parts: the first four letters stand for the bank, characters five and six give the country and the two after that indicate the location. For Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA), the 8-character core is BEPOIT21.

XXX at the end of BEPOIT21XXX is not a placeholder or a mistake: it stands for the head office of Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA). Some forms insist on 11 characters, in which case you simply add XXX behind BEPOIT21.

Enter the code in one piece, in upper case and without separators, exactly as shown here. Watch for the letter O and the digit 0 or the letter I and the digit 1.

Paying Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA) in euros within SEPA

Italy is a member of the Single Euro Payments Area (SEPA), where euro transfers follow common rules. When you send euros within SEPA, the IBAN is usually enough.

A SWIFT code like BEPOIT21 does matter when the currency is not euros and when the money comes from outside SEPA. If a payment form has a field for the BIC anyway, adding BEPOIT21 does no harm.

Euro payments within SEPA normally land within one business day; instant payments are faster if both banks offer them. Fees for SEPA payments tend to be low as long as everything stays in euros.

Receiving money from abroad at Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA)

A sender in another country needs several details about your account – incomplete details often cause delays. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code BEPOIT21XXX and sometimes your address.

It helps to include Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA) and its city as well. A mistake in the IBAN is harder to fix than it looks, so copy the details from your online banking.

An incoming payment does not always land for the full amount. Charges on incoming payments differ per bank; check the price list of Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA). Agree with the sender who covers the fees, especially for larger amounts.

About this information

We gather bank codes using public sources and update our list regularly. It is possible that a code on this page is no longer current. The figures on this page reflect our own data.

Treat our data as a reference, not as the final word. GoldexPay is not affiliated with Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA), we only compare transfer services. Spotted outdated information? Let us know via our contact form.

Frequently asked questions

What is the SWIFT/BIC code of Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA) in Italy?

The head office of Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA) uses BEPOIT21XXX (or BEPOIT21 in the 8-character version). This is the code to use unless the recipient gives you a branch code.

What does BEPOIT21XXX stand for?

BEPO identifies Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA), IT stands for Italy, 21 is the code of the city or region and XXX means the head office.

Where is the main office of Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA)?

According to its SWIFT registration, the head office of Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA) is located in Bergamo, Italy.

Should I use a branch code of Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA)?

Only when the recipient asks for it. Almost all transfers to Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA) can use the head office code BEPOIT21XXX.

How long does a transfer to Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA) take?

Euro payments within SEPA normally arrive the next business day. Payments in other currencies can take a few days.

Do I need the BIC of Ubi Banca SPA (Formerly Banca Popolare di Bergamo SPA) for a SEPA transfer?

Not always. Italy is in the SEPA area, so for euro payments the IBAN is enough. For payments in another currency include BEPOIT21XXX.

Source: listbase-org SWIFT/BIC database (MIT licence), updated monthly. Always verify the code with the recipient or their bank.