SWIFT/BIC codes in Italy: banks starting with Z

Bank SWIFT codes for Italy

Here you will find the SWIFT/BIC codes of 3414 banks in Italy – 26259 codes altogether. Every code identifies a bank or one of its branches.

Pick the bank from the list to view its head office code and any branch codes. Further down we explain how codes from Italy are built, how to send money there without overpaying and how to check a code before you pay.

How long does a transfer to Italy take?

There is no fixed answer for transfers to Italy: some arrive within a day. Payments made after the cut-off time or on weekends and holidays usually start a business day later.

If the money seems late, the sender should contact the sending bank and ask for the status or the UETR. Specialist transfer services often provide tracking in their app so you can follow the payment.

Sending money to Italy for less

A bank transfer to Italy often costs more than you think. You pay a transfer fee, sometimes charges from intermediary banks along the way and, above all, the exchange rate markup when currencies differ.

Most of the cost usually sits in the exchange rate: banks convert at a rate with a margin built in. Check the bank’s rate against the mid-market rate that you find on financial sites; the gap is what conversion costs you.

For a lot of routes, a specialist provider is cheaper than a traditional bank transfer – mostly thanks to the exchange rate. Before your next transfer to Italy, it is worth to compare what arrives via GoldexPay instead of going straight to your bank.

Which bank in Italy has the most codes?

Of all banks we list for Italy, Unicredit SPA has the largest number of codes. Its head office code is UNCRITM1001 – the code most transfers need.

The number of codes says something about how it organises its payments than about its size. Paying someone at Unicredit SPA? Use UNCRITM1001 except when a specific branch code is requested.

Paying in EUR: what conversion costs you

The currency in Italy is the Euro (EUR). A payment in a foreign currency will be exchanged into EUR on its way to the recipient.

Which bank converts the payment makes a difference, because each party uses its own rate. Often you pay less to send EUR directly through a transfer service with a good rate. On larger amounts, a seemingly small difference in the rate can be worth more than the fee.

The structure of a Italy SWIFT/BIC code

Bank identifier codes follow the same format worldwide: eight characters. It starts with a four-letter bank code, then two letters for the country and two characters for the location.

In every code from Italy, letters five and six show the ISO country code of Italy, which makes these codes easy to recognise. If those two letters point to another country, the code belongs to a bank somewhere else.

An 11-character code ends in a branch code, where XXX means the head office. In most cases the head office code is fine.

Getting paid from abroad into an account in Italy

For an international payment in Italy, the sender needs not just the BIC. Share your name as registered with the bank, your account number or IBAN, your bank’s SWIFT code and your address, which some banks require.

Look up your bank in the list above to check its code. It helps to include the name and city of your bank as well.

Do not be surprised if the incoming amount is below what the sender paid. Intermediary banks may deduct a fee, your bank may charge for incoming payments, and if the money is converted, a markup on the rate comes on top. Make clear with the sender who pays which costs before the money is sent.

Banks in Italy beginning with the letter :letter

This page shows only banks in Italy beginning with :letter. The totals mentioned above still cover the whole country.

Bank not listed? The registered name may begin with another word. Use the full list for Italy if you are not sure how the name is spelled.

Italy and the SEPA area

Inside SEPA, euro payments to Italy follow common rules and in most cases need only the IBAN. A field for the BIC is often optional for those payments.

You still need a SWIFT code for payments in other currencies or money from outside the SEPA area. SEPA transfers normally land by the next business day. As long as no conversion is involved, the transfer tends to be cheap.

How reliable is this list?

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. When the code you were given does not match our list, do not guess: check with the recipient or the bank.

We collect bank codes using public sources and update them regularly. Even so, banks merge or retire codes and our data may lag behind. Treat our data as a reference rather than the last word. We are an independent comparison service for money transfers and not part of any bank listed here.

Scammers often send fake invoices with new bank details. Always verify a change of bank details through a separate channel on a number you know.