Unicredit Bank AG (Hypovereinsbank) SWIFT/BIC code

SWIFT/BIC code of Unicredit Bank AG (Hypovereinsbank)

The 8-character code HYVEGB2L and the 11-character code HYVEGB2LXXX identify the same bank: Unicredit Bank AG (Hypovereinsbank). A BIC does one job: it makes sure that an international payment reaches the right bank. In practice you mostly see it on international invoices, in payment forms and in the bank details that Unicredit Bank AG (Hypovereinsbank) provides.

On this page you can read what the code means, when it matters and which other details a transfer to or from Unicredit Bank AG (Hypovereinsbank) requires. Remember that the SWIFT code only identifies the bank, not the account: the account number or IBAN does that part.

Tracking a transfer to or from Unicredit Bank AG (Hypovereinsbank)

There is no single delivery time 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. Occasionally a bank wants to know about the purpose of a payment, which can hold things up.

If the money seems delayed, contact the sending bank for the tracking status or the UETR. Keep your transfer receipt until the recipient confirms; it contains the details a bank needs to start a trace.

If the money does not arrive within the expected time, the sender needs to start with their own bank rather than Unicredit Bank AG (Hypovereinsbank). On the receiving end, it helps to look at your account to see a slightly lower amount.

Head office or branch code at Unicredit Bank AG (Hypovereinsbank)?

Our directory lists 7 SWIFT/BIC codes for Unicredit Bank AG (Hypovereinsbank) in 1 cities. Next to the head office code HYVEGB2LXXX, you will find codes for regional offices and specialised units.

If nobody asks you for a branch code, go with HYVEGB2LXXX or its short form HYVEGB2L. When you receive a branch code, stick to it rather than replacing it for the head office code.

The safest approach is to copy the code directly from the account holder’s invoice. Branch codes are more likely to change than the head office code when a bank merges or closes offices.

British Pound (GBP) and conversion costs

The currency of United Kingdom is the British Pound (GBP). If you send money in a different currency, the amount has to be converted at some point. Each conversion eats into something – usually through the rate rather than a fee.

Who does the conversion affects the final amount, as rates and margins differ per bank. Check what GBP arrives via different providers.

The GBP rate fluctuates throughout the day. If you pay regularly, a slightly better rate add up over a year.

Protect yourself against fake payment requests

Stay alert if someone unexpectedly asks you to pay into another account or a bank in another country. That HYVEGB2L is a real code does not mean that the account is legitimate – fraudsters use real bank codes as well.

Never rely on a phone number in the same message that announces the new account. Watch out for urgent requests, odd spelling or a sender address that is slightly off. If money has already gone to a fraudster, contact your bank immediately.

Recipients can be targeted as well: a classic trick is an overpayment followed by a request to send back the difference. A payment confirmation from the sender proves nothing – check your own account.

A note on our data

The directory on GoldexPay is compiled from publicly available sources and we update it periodically. Institutions reorganise, change names and retire codes, and a directory never catches every change immediately. Figures such as the number of codes are from our own dataset and are not confirmed by Unicredit Bank AG (Hypovereinsbank).

Before a payment that matters, always confirm the BIC with the recipient’s bank or with the recipient. GoldexPay is independent of Unicredit Bank AG (Hypovereinsbank), we only compare transfer services. If you notice a mistake, we welcome a message via the contact page.

8 or 11 characters: HYVEGB2L versus HYVEGB2LXXX

The layout of every SWIFT code never changes: four characters for the institution, a two-letter country code and two for the location. Together, these eight characters form HYVEGB2L.

The long version adds three more characters for a branch or department. If the last three are XXX, the code points to the head office, which is why HYVEGB2LXXX and HYVEGB2L lead to the same place.

Enter the code as one block, in capitals and without spaces, exactly as shown here. A single character can send the money to a different institution.

Incoming international payments to Unicredit Bank AG (Hypovereinsbank)

When you are waiting for a payment from another country, give the sender all details at once. Give them the account holder’s name, the IBAN or account number, the BIC HYVEGB2LXXX and your address, which some banks require.

Their bank might request the bank address of Unicredit Bank AG (Hypovereinsbank), in which case the London head office is the usual answer. Check each detail before you send them – a sender rarely spots a mistake in someone else’s details.

An incoming payment will not always arrive in full. Charges on incoming payments differ per bank; check the price list of Unicredit Bank AG (Hypovereinsbank). Agree with the sender who pays which costs.

Euro transfers to Unicredit Bank AG (Hypovereinsbank): is a BIC needed?

United Kingdom belongs to the Single Euro Payments Area (SEPA), the zone for uniform euro payments. When you send euros from another SEPA country, you normally only need the IBAN; many banks no longer ask for the BIC.

You still need HYVEGB2LXXX when sending non-euro payments or transfers from countries outside SEPA. If a payment form asks for the BIC regardless, entering HYVEGB2L is fine.

Euro payments within SEPA usually arrive by the next business day; instant payments are faster if both banks offer them. Charges on SEPA payments are generally low.

Verifying the SWIFT code of Unicredit Bank AG (Hypovereinsbank)

Ask the recipient to send you the account details directly from a recent statement. Check that code against HYVEGB2L here.

Mistakes in the BIC are costly rather than fatal – usually the money comes back, minus fees and time lost. A mistake in the IBAN or account number can be more serious because it can reach the wrong person, so check that just as carefully.

A format check in your banking app only tells you that the IBAN is valid – not that it belongs to the person you mean to pay. Where available, a payee name check on the recipient adds an extra layer of safety. When you pay someone new, many people send a small amount first.

What a transfer from Unicredit Bank AG (Hypovereinsbank) abroad really costs

When you transfer money to another country via Unicredit Bank AG (Hypovereinsbank), the visible fee is rarely all of the cost. Besides a fixed fee, banks in between may deduct a fee, and if the money changes currency, the bank usually uses a rate that is less favourable than the actual market rate.

Many banks do not show the margin on the rate separately, but you pay it all the same. A simple test: set the rate you get against the mid-market rate and look at the difference.

Specialist money transfer services often offer rates closer to the mid-market rate and lower fees. GoldexPay compares these services side by side so you can see the amount the recipient gets for the same amount sent. Using a transfer service does not require closing your account at Unicredit Bank AG (Hypovereinsbank): you simply pay the service from your account.