Banka Intesa Sanpaolo D.d. SWIFT/BIC code

BAKOSI2X – the SWIFT/BIC code of Banka Intesa Sanpaolo D.d.

The short code BAKOSI2X and the 11-character code BAKOSI2XXXX refer to the same bank: Banka Intesa Sanpaolo D.d.. The code does one job: it makes sure that a cross-border transfer ends up at the right bank. In practice you mostly see the code on international invoices, in your banking app and in the bank details that Banka Intesa Sanpaolo D.d. provides.

Further down you will find the practical side: money coming in from abroad, sending money abroad and how to check a SWIFT code before you hit send. Remember that the SWIFT code only identifies the bank, not the account: the account number or IBAN takes care of that.

What to give a sender who pays you at Banka Intesa Sanpaolo D.d.

To receive a transfer from abroad into your account at Banka Intesa Sanpaolo D.d., the person paying you has to have not just the BIC. What they need is: your name, IBAN or account number, BAKOSI2XXXX and in many cases your postal address.

Some sending banks want the bank’s address. A typo in your account number can be more trouble than you might think; copy them from your banking app rather than typing.

Money from abroad will not always land in full. Charges on incoming payments vary from bank to bank; check the price list of Banka Intesa Sanpaolo D.d.. Make clear with the sender who covers the fees.

What the XXX in BAKOSI2XXXX means

The layout of every SWIFT code is always the same: a bank code of four letters, two for the country and a two-character location code, sometimes followed by a branch code. The result is BAKOSI2X, the short form of the code.

The long version has three more characters for a branch or department. When those three characters are XXX, they simply mean the head office.

Enter the code in one piece, in upper case and without spaces. Pasting the code is safer than retyping it: a typo can point to another bank.

How to check BAKOSI2X before you pay

The safest source for the BIC is the recipient’s own bank details: an invoice, a bank statement or their online banking. When the code you were given differs from BAKOSI2X or BAKOSI2XXXX, do not guess: check with the recipient or with Banka Intesa Sanpaolo D.d. directly.

A wrong SWIFT code may lead to a delay, a payment being sent back or extra fees. Do not forget the account number: an error there can be harder to undo than a wrong code.

A validity check in your banking app only tells you that the IBAN is valid. More and more banks check the name with the account. When you pay someone new, some people send a small test amount before sending the rest.

Paying someone abroad from your Banka Intesa Sanpaolo D.d. account

An international bank payment can cost rather more than the listed fee. There is the fee for the transfer itself, sometimes charges from correspondent banks along the way and, above all, the exchange rate markup when the money is converted.

That exchange rate margin is often the largest cost even though it is not listed as a fee. A simple test: set 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 transfer service is cheaper than a bank, mainly because of the exchange rate. GoldexPay lists transfer providers side by side, showing what actually arrives for the same amount sent. Using a transfer service does not mean leaving Banka Intesa Sanpaolo D.d..

Protect yourself against fake payment requests

A common scam goes like this: an email arrives with a message claiming that a contact now has new bank details and that the next payment should go there. The fact that BAKOSI2X exists is no guarantee that a request mentioning it is legitimate; criminals use the codes of real banks too.

Always confirm a change of bank details through a phone call, using a number you already had. Watch out for urgent requests, odd spelling or a sender address that is slightly off. Acted too fast? Contact your bank without delay and have them try to recall the payment.

People receiving money are targeted too: one known trick is an overpayment and then sends a request to refund the difference. Do not act before the money is actually in your account and check with Banka Intesa Sanpaolo D.d. if anything seems off.

A note on our data

We collect SWIFT/BIC codes using publicly available data and update our list from time to time. It is possible that a code here is out of date, for example after a merger. Counts and locations come from our directory.

See the information on this page as a handy check, and let the details from the recipient or Banka Intesa Sanpaolo D.d. have the final say. We are an independent comparison site and not part of Banka Intesa Sanpaolo D.d.. Found an error? Let us know through the contact page and we will look into it.

Transfer times and tracking a payment to Banka Intesa Sanpaolo D.d.

How fast a payment arrives at Banka Intesa Sanpaolo D.d. depends on a few things: which currency you send, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Weekends and public holidays in the sending or receiving country add a day or more. Occasionally a bank wants to know about the purpose of a payment before releasing it.

Many banks are connected to SWIFT gpi. Each gpi transfer carries a unique transaction reference, the UETR. Money transfer services often provide a status online so you can see where the money has got.

A missing payment is investigated from the sending side, using the payment confirmation. Request from the sender a copy of the payment confirmation; that often settles the question quickly.

Which of the 2 codes of Banka Intesa Sanpaolo D.d. do you need?

Banka Intesa Sanpaolo D.d. has 2 different SWIFT/BIC codes across 1 locations. Only one is the head office code; the others identify branches, and sometimes specific services.

In most cases there is no need to look up a branch: transfers addressed to BAKOSI2XXXX are routed within Banka Intesa Sanpaolo D.d. without problems. Branch codes are only needed when the recipient’s bank specifically mentions it, which is more common for business accounts and trade services.

Unsure which code to use? Ask the recipient or the bank itself. Branch codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

Paying into Banka Intesa Sanpaolo D.d. in EUR

The currency in Slovenia is the Euro (EUR). A payment in a foreign currency will be converted into EUR on its way to Banka Intesa Sanpaolo D.d.. Every conversion eats into something.

Who does the conversion has an effect on the final amount, as rates and margins differ per bank. Compare what EUR arrives via different providers; the difference between options can be larger than you expect.

Rates for EUR change during the day. If you pay regularly, small differences in the rate add up over time.

SEPA payments and the Banka Intesa Sanpaolo D.d. BIC

Slovenia is a member of the SEPA area, the zone for uniform euro payments. When you send euros within SEPA, you normally only need the IBAN; many banks no longer ask for the BIC.

The BIC still matter when the currency is not euros and when the money comes from outside SEPA. A few forms also show a field for the BIC out of habit; if so, enter BAKOSI2X.

Instant euro transfers are increasingly supported across SEPA – whether Banka Intesa Sanpaolo D.d. offers them for your account is worth checking. Charges on SEPA payments are generally low.