Ubi Banca SPA (Formerly Banco di Brescia SPA) SWIFT/BIC code

The head office of Ubi Banca SPA (Formerly Banco di Brescia SPA) in Italy uses SWIFT/BIC code BCABIT21XXX. Below you find all 293 codes of this bank, grouped by city.

BCABIT21XXX
Head office · Bergamo · Italy · Short form: BCABIT21

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All SWIFT/BIC codes of Ubi Banca SPA (Formerly Banco di Brescia SPA)

Bergamo

SWIFT/BICBranch
BCABIT21XXX Head office
BCABIT21121 Bergamo
BCABIT21123 Bergamo 1
BCABIT21264 Bergamo 4
BCABIT21348 —
BCABIT21364 Bergamo 3

Acquapendente

SWIFT/BICBranch
BCABIT21506 Acquapendente

Adro

SWIFT/BICBranch
BCABIT21110 Adro

Albano Sant'alessandro

SWIFT/BICBranch
BCABIT21361 Albano S. Alessandro

Altavilla Vicentina

SWIFT/BICBranch
BCABIT21144 Altavilla Vicentina

Alzano Lombardo

SWIFT/BICBranch
BCABIT21349 —

Bagnolo Mella

SWIFT/BICBranch
BCABIT21274 —

Bagnolo San Vito

SWIFT/BICBranch
BCABIT21091 Fil. S.biagio Bagnolo S.vito

Bagolino

SWIFT/BICBranch
BCABIT21275 —

Bassano del Grappa

SWIFT/BICBranch
BCABIT21119 Filiale di Bassano del Grappa

Bassano In Teverina

SWIFT/BICBranch
BCABIT21507 Bassano In Teverina

Bedizzole

SWIFT/BICBranch
BCABIT21120 Bedizzole 1
BCABIT21248 —

Bolsena

SWIFT/BICBranch
BCABIT21508 Bolsena

Bomarzo

SWIFT/BICBranch
BCABIT21509 Bomarzo

Borgosatollo

SWIFT/BICBranch
BCABIT21316 —

Botticino

SWIFT/BICBranch
BCABIT21317 —

Bovegno

SWIFT/BICBranch
BCABIT21130 Bovegno

Bovezzo

SWIFT/BICBranch
BCABIT21135 Bovezzo

Brembate di Sopra

SWIFT/BICBranch
BCABIT21366 Brembate Sopra

Breno

SWIFT/BICBranch
BCABIT21276 —

Brescia

SWIFT/BICBranch
BCABIT21010 Brescia - Via Trieste, 8
BCABIT21025 Brescia 28
BCABIT21030 Brescia 21
BCABIT21031 Securities Department
BCABIT21032 Brescia 2
BCABIT21033 Brescia 3
BCABIT21034 Brescia 4
BCABIT21035 Brescia 29
BCABIT21036 Brescia 6
BCABIT21037 Brescia 7
BCABIT21038 Brescia 8
BCABIT21039 Brescia 9
BCABIT21040 Brescia 22
BCABIT21043 Brescia 10
BCABIT21045 Brescia 30
BCABIT21046 Brescia 12
BCABIT21047 Brescia 13
BCABIT21048 Brescia 14
BCABIT21050 Brescia 23
BCABIT21052 Brescia 5
BCABIT21054 Brescia 17
BCABIT21055 Brescia 33 - Asm
BCABIT21060 Brescia 24
BCABIT21061 Brescia
BCABIT21070 Brescia 25
BCABIT21080 Brescia 26
BCABIT21084 Brescia
BCABIT21090 Brescia 27
BCABIT21097 Brescia 31
BCABIT21213 Fil. Brescia 43

Bresso

SWIFT/BICBranch
BCABIT21182 Bresso

Bussolengo

SWIFT/BICBranch
BCABIT21137 Bussolengo

Calcinato

SWIFT/BICBranch
BCABIT21277 —

Caldiero

SWIFT/BICBranch
BCABIT21092 Fil. Caldiero 1

Calvisano

SWIFT/BICBranch
BCABIT21278 —

Camposampiero

SWIFT/BICBranch
BCABIT21138 Camposampiero

Canepina

SWIFT/BICBranch
BCABIT21511 Canepina

Capodimonte

SWIFT/BICBranch
BCABIT21514 Capodimonte

Capriano del Colle

SWIFT/BICBranch
BCABIT21281 —

Carpenedolo

SWIFT/BICBranch
BCABIT21282 —

Casalmaggiore

SWIFT/BICBranch
BCABIT21139 Casalmaggiore

Castegnato

SWIFT/BICBranch
BCABIT214D0 Castegnato

Castel D'azzano

SWIFT/BICBranch
BCABIT21359 Castel D'azzano

Castel Goffredo

SWIFT/BICBranch
BCABIT21133 Castelgoffredo

Castel Mella

SWIFT/BICBranch
BCABIT21269 —

Castelcovati

SWIFT/BICBranch
BCABIT21244 —

Castelfranco Veneto

SWIFT/BICBranch
BCABIT21554 Castelfranco Veneto

Castenedolo

SWIFT/BICBranch
BCABIT21283 —

Castiglione Delle Stiviere

SWIFT/BICBranch
BCABIT21141 Castiglione Delle Stiviere

Cedegolo

SWIFT/BICBranch
BCABIT21150 Cedegolo

Chiari

SWIFT/BICBranch
BCABIT21160 Chiari 1

Civita Castellano

SWIFT/BICBranch
BCABIT21515 Civitacastellana

Clusane (Iseo)

SWIFT/BICBranch
BCABIT21268 —

Codogno

SWIFT/BICBranch
BCABIT21206 Fil. Codogno 2

Collio

SWIFT/BICBranch
BCABIT21170 Collio 1

Cologno Al Serio

SWIFT/BICBranch
BCABIT21352 Filiale di Cologno Al Serio

Cologno Monzese

SWIFT/BICBranch
BCABIT21191 —

Concesio

SWIFT/BICBranch
BCABIT21334 Concesio 2
BCABIT21343 Concesio 1

Conegliano

SWIFT/BICBranch
BCABIT21211 Conegliano

Corchiano

SWIFT/BICBranch
BCABIT21516 Corchiano

Corsico

SWIFT/BICBranch
BCABIT21187 Filiale di Corsico

Crema

SWIFT/BICBranch
BCABIT21064 Fil. Crema

Cremona

SWIFT/BICBranch
BCABIT21067 Fil. Cremona 4
BCABIT21074 Gil. Cremona 5
BCABIT21094 Fil. Cremona 7
BCABIT21185 Cremona 1
BCABIT21186 Cremona 2

Cura di Vetralla (Vetralla)

SWIFT/BICBranch
BCABIT21517 Cura di Vetralla

Darfo Boario Terme

SWIFT/BICBranch
BCABIT21195 —

Dello

SWIFT/BICBranch
BCABIT21286 —

Desenzano del Garda

SWIFT/BICBranch
BCABIT21200 Desenzano 1

Edolo

SWIFT/BICBranch
BCABIT21210 Edolo

Fabrica di Roma

SWIFT/BICBranch
BCABIT21518 Fabrica di Roma

Fenili Belasi (Capriano del Colle)

SWIFT/BICBranch
BCABIT21252 Fenili Belasi - Capriano

Flero

SWIFT/BICBranch
BCABIT21329 —

Gardone Riviera

SWIFT/BICBranch
BCABIT21287 —

Gardone Val Trompia

SWIFT/BICBranch
BCABIT21230 Gardone V.t. 1

Gargnano

SWIFT/BICBranch
BCABIT21288 —

Gavardo

SWIFT/BICBranch
BCABIT21240 Gavardo 1

Ghedi

SWIFT/BICBranch
BCABIT21289 —

Gottolengo

SWIFT/BICBranch
BCABIT21250 Gottolengo

Gradoli

SWIFT/BICBranch
BCABIT21519 Gradoli

Grezzana

SWIFT/BICBranch
BCABIT21381 Grezzana

Grumello del Monte

SWIFT/BICBranch
BCABIT21362 Grumello del Monte

Gussago

SWIFT/BICBranch
BCABIT21294 —

Idro

SWIFT/BICBranch
BCABIT21296 —

Iseo

SWIFT/BICBranch
BCABIT21260 Iseo

Isola Della Scala

SWIFT/BICBranch
BCABIT21373 Isola Della Scala

Isorella

SWIFT/BICBranch
BCABIT21297 —

Latina

SWIFT/BICBranch
BCABIT21261 Latina 1

Legnano

SWIFT/BICBranch
BCABIT21197 Legnano

Leno

SWIFT/BICBranch
BCABIT21270 Leno 1

Limone Sul Garda

SWIFT/BICBranch
BCABIT21318 —

Lodi

SWIFT/BICBranch
BCABIT21207 Fil. Lodi 2

Lodi Vecchio

SWIFT/BICBranch
BCABIT21208 Fil. Lodivecchio

Lograto

SWIFT/BICBranch
BCABIT21344 Lograto

Lonato

SWIFT/BICBranch
BCABIT21280 Lonato

Lumezzane

SWIFT/BICBranch
BCABIT21271 —
BCABIT21290 Lumezzane 1

Magnano In Riviera

SWIFT/BICBranch
BCABIT21584 Magnano In Riviera

Manerba del Garda

SWIFT/BICBranch
BCABIT21310 Manerba

Manerbio

SWIFT/BICBranch
BCABIT21320 Manerbio 1

Mantova

SWIFT/BICBranch
BCABIT21072 Fil. Mantova 3
BCABIT21073 Fil. Mantova 4
BCABIT21083 Fil. Mantova 5
BCABIT21335 Mantova 1

Marone

SWIFT/BICBranch
BCABIT21330 Marone 1

Marta

SWIFT/BICBranch
BCABIT21521 Marta

Medolago

SWIFT/BICBranch
BCABIT21363 Medolago

Melegnano

SWIFT/BICBranch
BCABIT21215 Melegnano

Melzo

SWIFT/BICBranch
BCABIT21353 Filiale di Melzo

Mestre (Venezia)

SWIFT/BICBranch
BCABIT21231 Mestre - Group Banca Lombarda e Peimontese - Brescia

Milano

SWIFT/BICBranch
BCABIT21100 Milano 14
BCABIT21101 Milano 15
BCABIT21102 Milano 16
BCABIT21104 Milano 17
BCABIT21143 Milano 24
BCABIT21148 Milano 19
BCABIT21151 Milano - Via S. Pellico, 10
BCABIT21152 Milano 1
BCABIT21153 Milano 2
BCABIT21154 Milano 3
BCABIT21155 Milano 4
BCABIT21156 Milano 5
BCABIT21157 Milano 6
BCABIT21158 Milano 7
BCABIT21159 Milano 8
BCABIT21161 Milano 9
BCABIT21162 Milano 10
BCABIT21163 Milano 11
BCABIT21164 Milano 13
BCABIT21165 Milano 12
BCABIT21168 Milano 20
BCABIT21178 Milano 18
BCABIT21179 Filiale di Milano Agenzia 23
BCABIT21192 Milano 21
BCABIT21342 —

Milzano

SWIFT/BICBranch
BCABIT21243 —

Mira

SWIFT/BICBranch
BCABIT21323 Mira

Moglia

SWIFT/BICBranch
BCABIT21089 Fil. Moglia

Moniga del Garda

SWIFT/BICBranch
BCABIT21332 —

Montalto di Castro

SWIFT/BICBranch
BCABIT21523 Montalto di Castro

Montebelluna

SWIFT/BICBranch
BCABIT21324 Montebelluna

Montefiascone

SWIFT/BICBranch
BCABIT21524 Montefiascone

Monterosi

SWIFT/BICBranch
BCABIT21525 Monterosi

Monticelli Brusati

SWIFT/BICBranch
BCABIT21222 Monticelli Brusati

Montichiari

SWIFT/BICBranch
BCABIT21301 Montichiari 1
BCABIT21325 Montichiari 2

Nave

SWIFT/BICBranch
BCABIT21302 —

Negrar

SWIFT/BICBranch
BCABIT21376 Negrar

Novate Milanese

SWIFT/BICBranch
BCABIT21166 Novate Milanese

Noventa Padovana

SWIFT/BICBranch
BCABIT21386 Fil. Noventa Padovana

Nuvolento

SWIFT/BICBranch
BCABIT21340 Nuvolento

Nuvolera

SWIFT/BICBranch
BCABIT21272 —

Oderzo

SWIFT/BICBranch
BCABIT21232 Oderzo

Odolo

SWIFT/BICBranch
BCABIT21303 —

Offlaga

SWIFT/BICBranch
BCABIT21350 Offlaga

Orte

SWIFT/BICBranch
BCABIT21526 Orte

Orzinuovi

SWIFT/BICBranch
BCABIT21304 —

Ospitaletto

SWIFT/BICBranch
BCABIT21380 Ospitaletto 1

Ostiglia

SWIFT/BICBranch
BCABIT21203 Fil. Ostiglia

Paderno Dugnano

SWIFT/BICBranch
BCABIT21198 Paderno Dugnano 1

Paderno Franciacorta

SWIFT/BICBranch
BCABIT21273 —

Padova

SWIFT/BICBranch
BCABIT21385 Padova

Palazzolo Sull'oglio

SWIFT/BICBranch
BCABIT21239 —
BCABIT21390 Palazzolo S/O 1

Passirano

SWIFT/BICBranch
BCABIT21400 Passirano

Paullo

SWIFT/BICBranch
BCABIT21147 Paullo

Pavone del Mella

SWIFT/BICBranch
BCABIT21410 Pavone M.

Peschiera del Garda

SWIFT/BICBranch
BCABIT21415 Peschiera del Garda

Pescia Romana (Montalto di Castro)

SWIFT/BICBranch
BCABIT21527 Pescia Romana

Pieve di Bono

SWIFT/BICBranch
BCABIT21420 Pieve di Bono

Pieve di Soligo

SWIFT/BICBranch
BCABIT21384 Pieve di Soligo

Pioltello

SWIFT/BICBranch
BCABIT21423 Pioltello

Pisogne

SWIFT/BICBranch
BCABIT21305 Pisogne

Poggio Rusco

SWIFT/BICBranch
BCABIT21099 Fil. Poggio Rusco

Poncarale

SWIFT/BICBranch
BCABIT21425 Poncarale

Ponte di Legno

SWIFT/BICBranch
BCABIT21430 Ponte di Legno

Ponte San Nicolo'

SWIFT/BICBranch
BCABIT21435 Ponte San Nicolo'

Pontevico

SWIFT/BICBranch
BCABIT21440 Pontevico

Pordenone

SWIFT/BICBranch
BCABIT21597 Pordenone

Pralboino

SWIFT/BICBranch
BCABIT21450 Pralboino

Prevalle

SWIFT/BICBranch
BCABIT21455 Prevalle

Quinzano D'oglio

SWIFT/BICBranch
BCABIT21460 Quinzano

Remedello

SWIFT/BICBranch
BCABIT21306 —

Resana

SWIFT/BICBranch
BCABIT21233 Resana

Rezzato

SWIFT/BICBranch
BCABIT21307 —

Rho

SWIFT/BICBranch
BCABIT21177 Rho 1

Rivoltella (Desenzano del Garda)

SWIFT/BICBranch
BCABIT21465 Rivoltella

Rodengo Saiano

SWIFT/BICBranch
BCABIT21249 —

Roe' Volciano

SWIFT/BICBranch
BCABIT21326 Roe' Volciano

Roma

SWIFT/BICBranch
BCABIT21106 Roma 13
BCABIT21107 Roma 14
BCABIT21108 Roma 15
BCABIT21109 Roma 16
BCABIT21235 Roma 19
BCABIT21236 Filiale Roma 3
BCABIT21346 Roma 17
BCABIT21378 —
BCABIT21379 Roma 12
BCABIT21467 Roma
BCABIT21468 Roma 1
BCABIT21469 Roma 2
BCABIT21471 Roma 4
BCABIT21472 Roma 5 - Via Veneto
BCABIT21473 Roma 6
BCABIT21477 Roma 7
BCABIT21478 Roma 8
BCABIT21479 Roma 9
BCABIT21481 Roma 10
BCABIT21482 Roma 18

Roncadelle

SWIFT/BICBranch
BCABIT21339 —

Rovato

SWIFT/BICBranch
BCABIT21470 Rovato 1

Sabbio Chiese

SWIFT/BICBranch
BCABIT21308 —

Sale Marasino

SWIFT/BICBranch
BCABIT21480 Sale Marasino

Salo'

SWIFT/BICBranch
BCABIT21309 —
BCABIT21490 Salo' 1

San Bonifacio

SWIFT/BICBranch
BCABIT21375 San Bonifacio

San Felice del Benaco

SWIFT/BICBranch
BCABIT21500 San Felice

San Giovanni Lupatoto

SWIFT/BICBranch
BCABIT21358 San Giovanni Lupatoto

San Paolo

SWIFT/BICBranch
BCABIT21360 San Paolo

Sant'ambrogio di Valpolicella

SWIFT/BICBranch
BCABIT21369 —

Sant'angelo Lodigiano

SWIFT/BICBranch
BCABIT21209 Fil. Sant'angelo Lodigiano

Sarezzo

SWIFT/BICBranch
BCABIT21520 Sarezzo 1

Sarmeola (Rubano)

SWIFT/BICBranch
BCABIT21546 Sarmeola di Rubano

Schio

SWIFT/BICBranch
BCABIT21522 Schio

Seriate

SWIFT/BICBranch
BCABIT21531 Seriate

Sirmione

SWIFT/BICBranch
BCABIT21540 Sirmione 1 (Colombare

Sona

SWIFT/BICBranch
BCABIT21372 Sona

Soncino

SWIFT/BICBranch
BCABIT21079 Fil. Soncino 2

Soriano Nel Cimino

SWIFT/BICBranch
BCABIT21533 Soriano Nel Cimino

Sulzano

SWIFT/BICBranch
BCABIT21333 —

Tarquinia

SWIFT/BICBranch
BCABIT21534 Tarquinia

Tavernole Sul Mella

SWIFT/BICBranch
BCABIT21550 Tavernole

Tignale

SWIFT/BICBranch
BCABIT21491 Tignale

Tolmezzo

SWIFT/BICBranch
BCABIT21590 Tolmezzo

Torbole Casaglia

SWIFT/BICBranch
BCABIT21328 —

Toscolano Maderno

SWIFT/BICBranch
BCABIT21311 Toscolano Maderno 2

Travagliato

SWIFT/BICBranch
BCABIT21312 —

Trescore Balneario

SWIFT/BICBranch
BCABIT21458 Filiale di Trescore Balneario

Treviolo

SWIFT/BICBranch
BCABIT21556 Treviolo

Treviso

SWIFT/BICBranch
BCABIT21555 Treviso

Trezzo Sull'adda

SWIFT/BICBranch
BCABIT21183 Trezzo Sull'adda 2

Tuscania

SWIFT/BICBranch
BCABIT21536 Tuscania 1

Udine

SWIFT/BICBranch
BCABIT21598 Udine

Verolanuova

SWIFT/BICBranch
BCABIT21313 —

Verona

SWIFT/BICBranch
BCABIT21082 Fil. Vernona 8
BCABIT21098 Fil. Vernona 9
BCABIT21355 Verona 5
BCABIT21367 —
BCABIT21383 Verona 6
BCABIT21563 Verona 1

Vestone

SWIFT/BICBranch
BCABIT21314 —

Vetralla

SWIFT/BICBranch
BCABIT21539 Vetralla

Vicenza

SWIFT/BICBranch
BCABIT21565 Vicenza 1
BCABIT21566 Vicenza 2

Vignanello

SWIFT/BICBranch
BCABIT21542 Vignanello

Villa Carcina

SWIFT/BICBranch
BCABIT21580 Villa Carcina 1

Villa Poma

SWIFT/BICBranch
BCABIT21202 Fil. Villa Poma

Villafranca di Verona

SWIFT/BICBranch
BCABIT21368 —

Viterbo

SWIFT/BICBranch
BCABIT21499 Viterbo
BCABIT21501 Viterbo 1
BCABIT21502 Viterbo 2

Vitorchiano

SWIFT/BICBranch
BCABIT21543 Vitorchiano

Vobarno

SWIFT/BICBranch
BCABIT21315 —

Zone

SWIFT/BICBranch
BCABIT21331 Zone

How the Ubi Banca SPA (Formerly Banco di Brescia SPA) SWIFT/BIC works

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

BCAB 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 Banco di Brescia SPA) SWIFT code: BCABIT21

The short code BCABIT21 and the 11-character code BCABIT21XXX identify one and the same institution: Ubi Banca SPA (Formerly Banco di Brescia SPA). Banks worldwide use these codes to direct international transfers to the right institution. In daily life you usually come across it on international invoices, in your banking app and on the account details of Ubi Banca SPA (Formerly Banco di Brescia SPA) customers.

Below you will find the practical side: receiving money at Ubi Banca SPA (Formerly Banco di Brescia SPA), paying someone in another country and how to verify the code before you confirm a payment. The SWIFT code on its own does not identify a personal account; that is what the account number or IBAN .

Euro (EUR) and conversion costs

Accounts at Ubi Banca SPA (Formerly Banco di Brescia SPA) are usually held in EUR, the local currency. A payment in a foreign currency will be converted into EUR on its way to Ubi Banca SPA (Formerly Banco di Brescia SPA). There is rarely a separate charge for that conversion – the cost sits in the rate.

Who does the conversion affects the final amount, since every bank sets its own rate. Sending the amount already in EUR usually avoids a second conversion – as long as your own rate is good.

Exchange rates move during the day, and some providers let you lock in a rate. With bigger transfers, a small difference in the rate can be worth more than the fee.

Before you send: check the Ubi Banca SPA (Formerly Banco di Brescia SPA) code

The most reliable source for a SWIFT code is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. Check that code against BCABIT21 on this page.

An incorrect BIC may lead to delays, a returned payment or extra fees for investigation. An error in the account number is more serious.

An automatic check by your bank only confirms that the code is valid, not that it is the right account. Where available, a name check on the recipient adds an extra layer of safety. Sending a small amount first is a sensible step for a large first payment despite the extra fee.

Where our SWIFT data comes from

We gather SWIFT/BIC codes using publicly available data and update our list regularly. It is possible that a code on this page is out of date. The figures on this page are based on what is in our directory.

Before a payment that matters, always confirm the BIC with the recipient’s bank or with the recipient. GoldexPay is a comparison service and not affiliated with Ubi Banca SPA (Formerly Banco di Brescia SPA). Found an error? Let us know through the contact page so we can correct it.

Do you need BCABIT21 for a SEPA transfer?

Italy is part of the SEPA area. When you send euros within SEPA, the IBAN is usually enough.

You still need BCABIT21XXX when sending non-euro payments or money from outside the SEPA area. A few forms still ask for the BIC; in that case, enter BCABIT21.

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

Ubi Banca SPA (Formerly Banco di Brescia SPA): head office code versus branch codes

Having 293 codes in 195 cities, Ubi Banca SPA (Formerly Banco di Brescia SPA) is one of the banks that register separate codes for parts of the organisation and departments. The head office code remains BCABIT21XXX.

Usually there is no need to look up a branch: payments addressed to BCABIT21XXX reach Ubi Banca SPA (Formerly Banco di Brescia SPA) without problems. Only use a branch code when the recipient gives you that exact code, for example on a letter or invoice.

If you are not sure, check with the recipient for the exact BIC in their bank details. Branch codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

Receiving money from abroad at Ubi Banca SPA (Formerly Banco di Brescia SPA)

A sender in another country will ask for a few details about your account. In practice that means: your name as registered with Ubi Banca SPA (Formerly Banco di Brescia SPA), your account number or IBAN, the BIC BCABIT21XXX (or BCABIT21) and usually your postal address.

Their bank may also ask for the address of your bank. Check each detail before you share them, because the sender’s bank usually copies them as is.

Expect that the amount credited is smaller than the amount on the sender’s receipt. Intermediary banks may deduct a fee, Ubi Banca SPA (Formerly Banco di Brescia SPA) may charge for incoming payments, and if the money is converted, an exchange rate margin comes on top. On invoices, you can state how the fees are split to avoid a shortfall.

International transfers from Ubi Banca SPA (Formerly Banco di Brescia SPA): the real cost

When you transfer money to another country via Ubi Banca SPA (Formerly Banco di Brescia SPA), the fee you see is only part of the cost. On top of a fixed fee, banks in between may take a cut, and if currencies are converted the bank often uses a rate below the actual market rate.

The markup on the rate is often the biggest cost. A simple test: set the bank’s rate next to the mid-market rate and look at the difference.

Specialist money transfer services frequently offer rates closer to the mid-market rate. On GoldexPay we compare the amount that arrives with different services, so you can pick the cheapest route. Choosing a specialist does not mean leaving Ubi Banca SPA (Formerly Banco di Brescia SPA): you simply pay the service from your account.

Changed bank details? Be careful

Stay wary when someone suddenly asks you to send money to another account. A correct SWIFT code says nothing about whether the request is genuine.

Before paying, confirm a change of bank details by phone. Pressure and secrecy are red flags – a real supplier can wait a day. Already paid? Contact the bank you paid from without delay and have them start a recall.

Recipients can be targeted as well: a classic trick is a buyer who pays too much followed by a request to refund the difference abroad. A screenshot of a transfer is no proof.

What the XXX in BCABIT21XXX means

The structure of every SWIFT code is always the same: a bank code of four letters, two for the country and two for the location, sometimes followed by a branch code. That gives you BCABIT21, the short form of the code.

XXX at the end of BCABIT21XXX does not stand for a missing value or a mistake: it indicates the head office of Ubi Banca SPA (Formerly Banco di Brescia SPA). Some forms insist on 11 characters, and then you simply enter XXX after BCABIT21.

Leave out spaces when you enter BCABIT21; the code is always written in one block. Copying the code beats retyping it: a typo can point to another bank.

When will the money arrive at Ubi Banca SPA (Formerly Banco di Brescia SPA)?

A SWIFT payment typically needs one to a few business days, depending on the currency, the route and the banks involved. Bank holidays in either country can add a day or more. Sometimes a bank asks about the purpose of a payment before releasing it.

A growing number of banks are connected to SWIFT gpi. Every gpi transfer gets a unique reference, the UETR, which your bank can use to see where the money is. Money transfer services usually show tracking online so you can see how far the payment is.

A missing payment has to be traced by the sending bank, using the payment confirmation. As a recipient, it helps to check your statements to see a partial amount, since fees may have been deducted.

Frequently asked questions

What is the SWIFT/BIC code of Ubi Banca SPA (Formerly Banco di Brescia SPA)?

Ubi Banca SPA (Formerly Banco di Brescia SPA) uses BCABIT21XXX. This is the code to use for most international transfers.

Do I need the BIC of Ubi Banca SPA (Formerly Banco di Brescia SPA) for a euro transfer?

Not always. Italy is in the SEPA area, so for euro payments the IBAN is enough. For payments in another currency you still need BCABIT21XXX.

How long does a transfer to Ubi Banca SPA (Formerly Banco di Brescia SPA) take?

Euro payments within SEPA normally arrive the next business day. Payments in other currencies take 1–3 business days.

What does BCABIT21XXX mean?

BCAB is the code of Ubi Banca SPA (Formerly Banco di Brescia SPA), IT stands for Italy, 21 is the location code and XXX marks the head office.

How can I send money to Ubi Banca SPA (Formerly Banco di Brescia SPA) more cheaply?

Watch out for the exchange rate markup that banks often charge on international transfers. Check what you receive in Euro with different providers before you send.

What if I use the wrong SWIFT code for Ubi Banca SPA (Formerly Banco di Brescia SPA)?

The transfer may be delayed or returned. Double-check the code with Ubi Banca SPA (Formerly Banco di Brescia SPA) before you confirm.

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