Regions Bank SWIFT/BIC code

UPNBUS44 – the SWIFT/BIC code of Regions Bank

The short code UPNBUS44 and the full code UPNBUS44XXX refer to one and the same institution: Regions Bank, with its head office in Birmingham,al. The code has a single purpose: it makes sure that money from abroad reaches the right bank. It comes up mostly for transfers between countries.

Further down you will find the practical side: money coming in from abroad, sending money abroad and how to check the code before you hit send. The BIC names a bank or branch, not a single account; the IBAN or account number does that.

How to check UPNBUS44 before you pay

The safest source for a SWIFT code is the bank details provided by the recipient. Compare it against UPNBUS44 on this page.

Mistakes in the SWIFT code are costly more than disastrous: often the payment comes back, minus fees. A mistake in the account number can be more serious, because the money may be credited to someone else, so check that just as carefully.

A format check in your banking app merely tells you that the IBAN exists – not that it belongs to the person you mean to pay. Where available, a name check before sending adds extra certainty. For a first payment, some people send a small amount first and wait for confirmation.

Which of the 2 codes of Regions Bank do you need?

Our directory lists 2 SWIFT/BIC codes for Regions Bank. Besides the head office code UPNBUS44XXX, there are codes for individual branches and departments.

If nobody asks you for a branch code, go with UPNBUS44XXX. Branch codes are only needed if the account holder specifically mentions it.

The best way is to copy the code straight from the account holder’s invoice. Branch codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

Changed bank details? Be careful

A common scam goes like this: an email arrives with a request claiming that a contact has a new bank account. A correct SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Never trust contact details from the same email that contains the new account. Pressure and secrecy are red flags; a genuine business can wait for you to check. Acted too fast? Call your bank without delay and have them start a recall and report the fraud.

Recipients can be targeted as well: one known trick is an overpayment followed by a request to send back the difference to another account. A screenshot of a transfer proves nothing.

Where our SWIFT data comes from

Our SWIFT/BIC directory draws on publicly available sources and is updated regularly. Still, banks merge or retire codes. Figures such as the number of codes are from our directory and are not confirmed by Regions Bank.

Use our data as a reference, rather than as the last word: the recipient’s bank details come first. GoldexPay is a comparison service and not part of Regions Bank. Found an error? Let us know through the contact page so we can correct it.

Receiving money from abroad at Regions Bank

If you expect money from abroad, give the sender a complete set of details. In practice that means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code UPNBUS44XXX and usually your address.

Some banks also ask for the name and address of Regions Bank, so keep it at hand. Check each detail before you send them, because the sender’s bank usually copies them as is.

An incoming payment will not always land in full. Charges on incoming payments vary per bank; check the price list of Regions Bank. On invoices, it is common to agree who bears the costs, so that nobody is left short.

What the XXX in UPNBUS44XXX means

Each SWIFT/BIC code starts with an 8-character core: a four-letter bank code, two letters for the country and a two-character location code. Together, those parts form UPNBUS44.

Most payment forms work with either length. If yours asks for eleven characters, enter UPNBUS44XXX.

In practice the code is written in capitals. Copying the code is safer than typing it by hand, because one wrong letter changes the bank.

What a transfer from Regions Bank abroad really costs

The price of a payment abroad has several parts, and the transfer fee is only the most visible one. There is the transfer fee, sometimes fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate.

Banks do not list the margin on the rate as a cost – you only notice it if you compare. Compare their rate against the mid-market rate. The difference is your real conversion cost.

Specialised transfer providers frequently offer a rate near the mid-market rate. GoldexPay compares transfer providers next to each other so you can see the amount the recipient gets. Using a transfer service does not require closing your account at Regions Bank.

How long does an international transfer to Regions Bank take?

How quickly a payment arrives at Regions Bank is determined by several factors: which currency you send, the number of banks in between, cut-off times and differences in time zone. Weekends and public holidays in the sending or receiving country add a day or more. Compliance checks by one of the banks can also add some delay, regardless of the details.

If a transfer seems delayed, ask your bank for the tracking status. Money transfer services usually provide tracking in their app so you can see how far the money is.

If the money does not arrive after a few business days, the person who paid needs to start with their own bank. Ask the sender for a copy of the payment confirmation – it helps your own bank look for the money.

Paying into Regions Bank in USD

The local currency of United States is the US Dollar (USD). A payment in a foreign currency is exchanged into USD, and whoever converts it chooses the rate. You rarely see a separate charge for the conversion; it is built into the rate.

Who does the conversion has an effect on how much arrives, as rates and margins differ per bank. Transferring the amount directly in USD often prevents a second conversion, provided the rate you get is fair.

Exchange rates move all the time – some services let you fix a rate in advance. With bigger transfers, even small gap in the rate can be worth more than the fee.