Unigestion S.A. SWIFT/BIC code

UNIGCHGG – the SWIFT/BIC code of Unigestion S.A.

UNIGCHGG and UNIGCHGGXXX are two spellings of the same bank identifier, and both point to Unigestion S.A. in Geneva. Every bank on the SWIFT network uses BIC codes to route payments between countries to the correct institution. You will need it mainly when dealing with payments that cross a border or a currency.

This page is meant to help anyone who receives money at an account at Unigestion S.A. and wants to get the details right. The BIC names a bank or branch, not a specific account, which is why you always need the account number too.

Paying into Unigestion S.A. in CHF

The national currency in Switzerland is the Swiss Franc (CHF). A payment in a foreign currency is converted into CHF. You rarely see a separate charge for that conversion.

Where the conversion happens affects how much arrives. Compare how much CHF arrives with several providers before choosing one.

The CHF rate changes throughout the day. On larger amounts, even small gap in the rate can be worth more than the fee.

Transfer times and tracking a payment to Unigestion S.A.

How quickly a payment reaches Unigestion S.A. depends on several factors: the currency, the number of banks in between, cut-off times and differences in time zone. Transfers sent after the cut-off time or on weekends and holidays usually start the next business day. Extra checks by one of the banks may also add a delay, even when all details are correct.

If the money is delayed, contact the sending bank about the status and the transaction reference so they can trace it along the chain. Keep your transfer receipt until the recipient confirms.

If the money does not arrive after a few business days, the sender should start with the bank that sent it, not the receiving bank. Ask the sender for a copy of the payment confirmation with the date and reference.

Which of the 8 codes of Unigestion S.A. do you need?

Our database contains 8 SWIFT/BIC codes for Unigestion S.A. in 1 cities. Besides the head office code UNIGCHGGXXX, you will find codes for individual branches and departments.

For most payments to a private or business account, the head office code UNIGCHGGXXX is the right choice. When you receive a branch code, use it as it is instead of replacing it for the head office code.

When in doubt, check with the recipient for the exact BIC in their bank details. Codes can change when banks reorganise, so do not rely on old paperwork.

How up to date is this code?

The directory on GoldexPay is based on public sources. Even so, banks merge or retire codes. Figures such as the number of codes are from our own dataset and may differ from what Unigestion S.A. publishes.

Before any payment that matters, always confirm the code with Unigestion S.A. or the recipient. We are an independent comparison site for money transfers and not part of Unigestion S.A.. Spotted an error? Let us know through the contact page.

Why Unigestion S.A. has an 8- and an 11-character code

The layout of a BIC is always the same: a bank code of four letters, a two-letter country code and a two-character location code, plus an optional branch code. That gives you UNIGCHGG.

XXX at the end of UNIGCHGGXXX does not stand for a missing value or a mistake: it stands for the head office of Unigestion S.A.. Certain payment forms ask for 11 characters, and then you can enter XXX behind UNIGCHGG.

In practice the code is typed in capitals, without spaces or dashes. Look out for O versus 0 and I versus 1, a common source of typos.

How to check UNIGCHGG before you pay

The most reliable place for the right code is a document from the bank itself like a bank statement or the account page in online banking. If the code you have differs from UNIGCHGG or UNIGCHGGXXX, stop and ask: check with the recipient or with Unigestion S.A. directly.

If the code is wrong, the transfer may be delayed, bounce back or end up costing more – sometimes after weeks of searching. Do not forget the account number: an error there is more difficult to undo than a wrong code.

A format check by your bank only confirms that the IBAN exists. Where available, a payee name check on the recipient adds extra certainty. A small test payment can be worth it for a large first payment despite the extra fee.

Paying someone abroad from your Unigestion S.A. account

An international bank payment can cost more than the fee suggests. You pay the fee for the transfer itself, sometimes charges from correspondent banks along the way and, most importantly, the margin on the exchange rate when the money is converted.

The markup on the rate is often the biggest cost, and it is easy to miss. Compare the rate you are offered with the mid-market rate. The difference is your real conversion cost.

For many routes, a transfer service is less expensive than a traditional bank transfer – mostly thanks to the rate. Before your next transfer, take a minute to compare what arrives via GoldexPay instead of going straight to your bank. You can always keep your account at Unigestion S.A. as the source of the money; only the conversion and sending happen elsewhere.

Euro transfers to Unigestion S.A.: is a BIC needed?

Switzerland is part of the Single Euro Payments Area (SEPA), the zone for uniform euro payments. When you send euros within SEPA, the IBAN is usually enough; many banks no longer ask for the BIC.

For anything other than euros and from non-SEPA countries, UNIGCHGGXXX is still required. Some banks and apps still ask for the BIC; in that case, fill in UNIGCHGG or UNIGCHGGXXX.

Instant payments in euros have become widely supported within SEPA – whether Unigestion S.A. offers them for your account is worth checking. Provided no currency is converted, a SEPA transfer tends to be cheap; costs rise once a conversion is involved.

Getting paid from abroad into a Unigestion S.A. account

For a transfer from abroad into your account at Unigestion S.A., the person paying you has to have more than the SWIFT code. That means: your name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code UNIGCHGGXXX (or UNIGCHGG) and sometimes your address.

You can include the bank name and its city as well. Check each detail before you share them.

The amount you receive is often less than the amount sent. Fees for incoming transfers vary per bank. Make clear with the sender who pays which costs, especially for larger amounts.

Protect yourself against fake payment requests

Be wary if a contact unexpectedly asks you to send money to another account abroad. A correct SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Never rely on contact details in the same message that contains the change. Urgency or secrecy tend to be red flags; a genuine business can wait for you to check. Already paid? Call the bank you paid from without delay and have them start a recall; also report it to the police.

Fraud also target the receiver: someone sends too much and wants you to return the extra. Do not act before the money is actually in your account.