Major banking group
UniCredit: SWIFT code, ATMs and accounts for foreigners
UniCredit is Italy’s second-largest bank, with total assets of roughly €870 billion at the end of 2025, and the Italian bank with the biggest presence elsewhere in Europe.
Key facts
UniCredit S.p.A.
- SWIFT / BIC
UNCRITMMor UNCRITMMXXX- ABI bank code
02008- Type
- Major banking group
- Head office
- Milan (UniCredit Tower, Piazza Gae Aulenti)
- Founded
- 1998 merger led by Credito Italiano, with roots back to 1870
- Ownership
- Listed on Euronext Milan; widely held
- App-only brand
- Buddybank
- Non-resident account
- Yes, in branch
- Foreign-card ATM fee
- €0 to about €3 operator fee reported
- Official website
- unicredit.it
About UniCredit
UniCredit grew out of Credito Italiano and a 1998 merger of several regional banks. It later added Capitalia (which included Banca di Roma and Banco di Sicilia) and banks in Germany (HypoVereinsbank), Austria (Bank Austria) and Central and Eastern Europe.
In Italy it runs a national branch network and the app-only brand Buddybank. In 2025 UniCredit withdrew its offer for Banco BPM, and it has since focused on its large stake in Germany’s Commerzbank.
UniCredit SWIFT/BIC and ABI codes
UniCredit uses the SWIFT/BIC code UNCRITMM for its head office. When a form asks for 11 characters, add XXX to make UNCRITMMXXX. Some branches and services have their own 11-character codes; if the account holder gives you one, use theirs.
The ABI code 02008 identifies UniCredit inside every Italian IBAN. It sits in characters 6 to 10, straight after the check letter (CIN):
Illustration only, not a real account. Use the Italian IBAN checker to validate a real IBAN and see which bank it belongs to.
Using UniCredit ATMs with a foreign card
UniCredit ATMs work with foreign Visa, Mastercard and Maestro cards. Traveller reports from 2026 put the operator fee for foreign cards at between €0 and €3, and more often zero than at Intesa. The fee appears on screen before you confirm.
Always choose to be charged in euros when the machine offers a conversion.
For a full comparison of fees across Italian banks, see ATMs in Italy.
Opening a UniCredit account as a foreigner
UniCredit offers a basic account (conto di base) that non-residents can open in branch. Residents can choose fuller packages online once they have a codice fiscale and Italian residency.
Expats often pair a UniCredit account, for paying Italian taxes with the F24 form and setting up utility direct debits, with an app-based account for day-to-day spending.
You will need a codice fiscale first. Our guide to opening a bank account in Italy lists the documents and steps.
Banks that are now part of UniCredit
If you are looking for one of these names, this is where it went:
| Former bank | What happened |
|---|---|
| Banco di Sicilia and Banca di Roma | Came to UniCredit with Capitalia in 2007 and were merged into UniCredit S.p.A. in 2010. |
UniCredit in Italian cities
UniCredit has branches in these city guides, with tips on where to withdraw cash and local bank holidays:
UniCredit: common questions
What is UniCredit’s SWIFT code in Italy?
UniCredit S.p.A. in Italy uses the SWIFT/BIC code UNCRITMM (UNCRITMMXXX). UniCredit companies in Germany, Austria and other countries have different codes, so check that the code starts with UNCR and has IT in positions 5 and 6.
Does UniCredit charge foreign cards to use its ATMs?
UniCredit ATMs sometimes charge foreign cards an operator fee of up to about €3, and often charge nothing. The ATM shows any fee before you confirm.
Can I open a UniCredit account without living in Italy?
Yes. UniCredit’s basic account is available to non-residents, opened in person at a branch with a passport, codice fiscale and proof of address.
Sources and fact-checking
Checked on 2 November 2026 by Ionut Popea following our editorial policy. Fees, codes and rules change; confirm anything important with the bank or authority before acting.