Union Bancaire Pour le Commerce et L'industrie (Groupe BNP Paribas) SWIFT/BIC code

Union Bancaire Pour le Commerce et L'industrie (Groupe BNP Paribas) SWIFT code: UBCITNTT

UBCITNTT and UBCITNTTXXX are two spellings of the same bank identifier, and both lead to Union Bancaire Pour le Commerce et L'industrie (Groupe BNP Paribas) in Tunis. A SWIFT code shows every bank in the chain which institution is meant to get the money, a bit like a postal address for banks. In daily life you usually see the code on international invoices, in your banking app and in the bank details that Union Bancaire Pour le Commerce et L'industrie (Groupe BNP Paribas) provides.

On this page we explain what the code means, when you need it and what else a transfer to or from Union Bancaire Pour le Commerce et L'industrie (Groupe BNP Paribas) requires. Remember that the SWIFT code just identifies the bank, not the person: the IBAN or account number does that part.

What the XXX in UBCITNTTXXX means

A BIC is made up of a few fixed parts: the first four letters stand for the bank, characters five and six show the country and characters seven and eight indicate the location. Combined, these eight characters make up UBCITNTT.

Most banks and apps accept both lengths. If yours asks for eleven characters, use UBCITNTTXXX, otherwise UBCITNTT is fine.

Enter the code in one piece, in upper case and without separators. Watch for the letter O and the digit 0 and I versus 1.

How to check UBCITNTT before you pay

The safest source for the BIC is the recipient’s own bank details. Check it against UBCITNTT on this page and ask if anything does not match.

Errors in the BIC tend to be costly rather than fatal – usually the money comes back, minus fees and time lost. Do not forget the account number: a mistake there can be harder to correct than a wrong code.

A validity check by your bank merely tells you that the code is valid. Some banks now check the name with the account before you confirm; take any warning seriously. A small test payment can be a sensible step for a large first payment, even if it costs an extra fee.

Receiving money from abroad at Union Bancaire Pour le Commerce et L'industrie (Groupe BNP Paribas)

To receive an international payment at Union Bancaire Pour le Commerce et L'industrie (Groupe BNP Paribas), the sender needs not just the SWIFT code. Give them your name as the bank knows it, your account number or IBAN, the BIC UBCITNTTXXX and your address.

Certain banks also ask for the bank’s address. Check every detail before you send them.

An incoming payment does not always land for the full amount. Intermediary banks may deduct a fee, and if the money is converted, an exchange rate margin applies. Make clear with the sender who covers the fees, especially for larger amounts.

Paying someone abroad from your Union Bancaire Pour le Commerce et L'industrie (Groupe BNP Paribas) account

The price of an international transfer has more than one component – not just the fee on your screen. On top of the transfer fee, banks in between can deduct a fee, and when the money changes currency the bank often applies a rate that is less favourable than the real market rate.

That exchange rate margin is often the largest cost. A simple test: put the bank’s rate next to the mid-market rate for the same moment and work out the difference on your amount.

Specialised transfer providers often offer rates closer to the mid-market rate with clearer fees. Next time you send money, take a minute comparing what arrives via GoldexPay. Using a transfer service does not require leaving Union Bancaire Pour le Commerce et L'industrie (Groupe BNP Paribas) – you pay the provider from your own account.

Watch out for payment fraud

Fraudsters regularly send payment requests containing changed bank details, sometimes in an email that looks completely genuine. A valid SWIFT code says nothing about who owns the account – scammers simply use real codes.

Before paying, verify a change of bank details through a phone call on a number you know, not one from the message. Be suspicious of urgent requests, unusual wording or a sender address that is slightly off. If money has already gone to a fraudster, call your bank right away.

Recipients can be targeted as well: one known trick is a buyer who pays too much and then sends a request to send back the difference abroad. A screenshot of a transfer is no proof – check your own account.

Head office or branch code at Union Bancaire Pour le Commerce et L'industrie (Groupe BNP Paribas)?

Union Bancaire Pour le Commerce et L'industrie (Groupe BNP Paribas) uses 10 different SWIFT/BIC codes across 4 locations. One of them is the head office code; the rest belong to branches or departments.

Usually you do not need to look up a branch: transfers sent to UBCITNTTXXX reach Union Bancaire Pour le Commerce et L'industrie (Groupe BNP Paribas) without problems. Branch codes are only needed when the account holder specifically asks for it, which is more common for business accounts and trade services.

Not sure which code applies? Ask the recipient. Branch codes are more likely to change than the head office code.

A note on our data

This directory is based on public sources and is updated regularly. Institutions merge, change names and change codes, and a directory never catches every change immediately. The figures on this page reflect what is in our directory and not on information from Union Bancaire Pour le Commerce et L'industrie (Groupe BNP Paribas) itself.

Before a payment of any size, always check the BIC with Union Bancaire Pour le Commerce et L'industrie (Groupe BNP Paribas) or with the recipient. GoldexPay has no connection to Union Bancaire Pour le Commerce et L'industrie (Groupe BNP Paribas). If you notice a mistake, we welcome a short note.

How long does an international transfer to Union Bancaire Pour le Commerce et L'industrie (Groupe BNP Paribas) take?

There is no single answer for every transfer: some land within a day while others need several business days. Payments made late in the day or just before a weekend or public holiday often go out the next business day. Sometimes a bank wants to know about the purpose of a payment before releasing it.

When a payment takes longer than expected, ask the sending bank about the tracking status and the transaction reference; with that reference banks can see where the payment is. Money transfer services often provide tracking in their app showing where the payment has got.

If the money does not arrive within the expected time, the person who paid should start with the bank that sent it. As a recipient, it helps to check your account to see a slightly lower amount, since fees may have been deducted.