Unicaja Banco, S.A. SWIFT/BIC code

Unicaja Banco, S.A. SWIFT code: UCJAES2M

Whether a recipient gives you UCJAES2M or UCJAES2MXXX, you are looking at the identical address for Unicaja Banco, S.A. in Spain. Every bank on the SWIFT network uses BIC codes to direct payments between countries to the correct bank. You will need it mostly for payments that cross a border and payments in foreign currencies.

On this page you can read how the code is put together, when you need it and which other details a transfer to or from Unicaja Banco, S.A. requires. Keep in mind that the SWIFT code only identifies the bank, not the person: the account number or IBAN does that part.

Changed bank details? Be careful

Criminals regularly use fake invoices containing changed bank details. A real SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Check changed bank details through a separate channel like a call to a number from an earlier contract, not by replying to the message. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. If a payment has already gone to the wrong account, call your bank right away.

Scams can also work the other way: someone sends too much and asks you to refund the difference via a different route. A payment confirmation from the sender is no proof; only your own account shows what has arrived.

What to give a sender who pays you at Unicaja Banco, S.A.

For an international payment at Unicaja Banco, S.A., the sender has to have not just the BIC. Share your name as the bank knows it, your account number or IBAN, the BIC UCJAES2MXXX and your address, which some banks require.

It helps to add Unicaja Banco, S.A. and its city as well. Check each detail before you share them, because the sender’s bank usually copies them as is.

The amount you receive is often less than what was sent. Correspondent banks can take a fee, and if the currency changes, a markup on the rate applies. On invoices, you can state who bears the costs to avoid a shortfall.

How to check UCJAES2M before you pay

The safest source for the BIC is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. Compare it against UCJAES2M on this page and ask if anything does not match.

With a wrong code, the payment may be delayed, bounce back or cost extra, and tracing it can take weeks. Remember the account number: a mistake there is harder to correct than a wrong code.

An automatic check by your bank merely tells you that the code is valid, not that it is the right account. If your bank offers it, a name check before sending adds extra certainty. When you pay someone new, many people send a small amount first and wait for confirmation.

8 or 11 characters: UCJAES2M versus UCJAES2MXXX

A BIC is made up of fixed blocks: characters one to four identify the bank, the next two show the country and the two after that mark the location. For Unicaja Banco, S.A., the 8-character core is UCJAES2M.

The long version adds a three-character extension that identify a branch or department. When those three characters are XXX, the code points to the head office.

In practice the code is typed in capitals and without spaces. A wrong character can send a payment to a different institution, so copy it carefully.

Euro transfers to Unicaja Banco, S.A.: is a BIC needed?

Since Spain is in the SEPA zone, a euro payment into Unicaja Banco, S.A. from another SEPA country usually requires just an IBAN. Most banking apps no longer ask for the BIC for these payments or fill it in for you.

You still need UCJAES2MXXX when sending payments in other currencies or transfers from countries outside SEPA. If your banking app has a field for the BIC regardless, entering UCJAES2M is fine.

Instant euro transfers are widely available across SEPA – whether Unicaja Banco, S.A. offers them for your account is worth checking. Provided no currency is converted, the transfer tends to be cheap; costs rise once a conversion is involved.

When will the money arrive at Unicaja Banco, S.A.?

There is no single answer for every transfer: some land within a day while others need several business days. Transfers sent late in the day or just before weekends and holidays usually start a business day later. Extra checks by one of the banks may also add some delay, even when all details are correct.

Many banks use SWIFT gpi. Every payment gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Keep your transfer receipt; it contains the details a bank needs to start a trace.

The bank that sent the money can start an official trace; the receiving side usually has nothing to trace yet. As a recipient, it helps to check your account to see a slightly lower amount because fees can reduce the amount.

What a transfer from Unicaja Banco, S.A. abroad really costs

What you pay for an international transfer is made up of more than one component. There is the transfer fee, possibly charges from correspondent banks along the way and, above all, the margin on the exchange rate when the money is converted.

The markup on the rate is often the largest item because it is hidden in the rate. Check their rate against the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

For many routes, a transfer service turns out to be less expensive than a traditional bank transfer. Before your next transfer, it is worth comparing what arrives via GoldexPay instead of going straight to your bank. You can still use your account at Unicaja Banco, S.A. as the source of the money, while a cheaper service handles the conversion.

Paying into Unicaja Banco, S.A. in EUR

Most accounts at Unicaja Banco, S.A. are typically held in EUR, the local currency of Spain. When you pay money in a different currency it gets converted at some point. Every conversion costs the amount – usually through the rate rather than a fee.

Which bank converts the payment makes a difference. Often it is cheaper to send EUR straight away through a provider that converts near the mid-market rate.

The EUR rate fluctuates constantly and quotes are often valid only for a short time. On larger amounts, even seemingly small difference in the rate can be worth more than the fee.

Head office or branch code at Unicaja Banco, S.A.?

With 2 codes in 2 cities, Unicaja Banco, S.A. is one of the banks that use separate codes for parts of the organisation. The head office code is UCJAES2MXXX.

For most incoming transfers, the head office code UCJAES2MXXX is the right choice. Only use a branch code when your contact explicitly asks for it, for example on an invoice or in their bank details.

If you are not sure, check with the recipient for the exact BIC in their bank details. Codes can change when banks reorganise.

About this information

Our SWIFT/BIC directory is based on publicly available sources and we update it periodically. Banks reorganise, change names and change codes, and a directory never catches every change immediately. Figures such as the number of codes come from our own dataset and may differ from what Unicaja Banco, S.A. publishes.

See our directory here as a helpful check, and let the details from the recipient or Unicaja Banco, S.A. have the final say. GoldexPay is a comparison service for money transfers and not part of Unicaja Banco, S.A.. Should you notice something that is out of date, we welcome a message.