21 Apr 2026
If you have a Romanian bank account that was ever held with UniCredit Tiriac Bank SWIFT Codes — or if you are sending money to someone whose account still appears under the older “Tiriac” branding in legacy documents — understanding the correct SWIFT code is essential.
UniCredit Tiriac Bank officially became UniCredit Bank S.A. in August 2015, but much of the SWIFT infrastructure from the Tiriac era has been retained. This often creates confusion for individuals and businesses handling international transfers to Romania. This guide clarifies the correct codes, what each part means, how payments move through the UniCredit Romania network, and what you need before initiating a transfer.
To understand why this bank's SWIFT code looks the way it does, the history matters. UniCredit Tiriac Bank was formed in June 2007 through the merger of two Romanian banking subsidiaries — UniCredit Romania and HVB Tiriac Bank. At the time of the merger, it ranked as the fourth largest bank in Romania with total assets of EUR 3.7 billion and over 600,000 customers across 132 branches. (GTReview)
Despite the rebrand, the SWIFT code registered under the Tiriac-era identity — beginning with BACX — was retained in the system. This is why the SWIFT code for what is now called UniCredit Bank SA still carries the BACX prefix rather than a UCRD or similar abbreviation. Knowing this history is essential for anyone searching for this code today.
In 2024, UniCredit Bank SA held total assets of 84,567.52 million RON with an 8.46% market share, ranking as one of Romania's top-six banks and generating a net income of 1,456.90 million RON — a 12.60% increase from 2023.
Romania uses a structured set of identifiers depending on the type of transfer. Knowing which code applies to which situation saves time and prevents failed payments.
IBAN — International Bank Account Number is the primary identifier for individual accounts in Romania. Romanian IBANs always begin with RO and are 24 characters long. The IBAN encodes the bank identifier and account number within it and is used for all transfers — both domestic and international. It is the code that identifies your specific account.
SWIFT codes — also called BIC codes, or business identifier codes — identify the bank as an institution in the global payment network. Managed by the Society for Worldwide Interbank Financial Telecommunication, this secure network is used by over 11,000 financial institutions globally to exchange standardized messages for international money transfers. For any international wire transfer arriving in Romania, the SWIFT code tells the SWIFT network which Romanian bank to deliver the funds to. It works alongside the IBAN — one identifies the bank, the other identifies your account.
Domestic interbank codes are used within Romania's national payment infrastructure for transfers between Romanian banks. These operate entirely separately from the SWIFT network and are not relevant for cross-border transfers.
Understanding how IBAN and SWIFT codes work together is the foundation of getting any international transfer to Romania right on the first attempt.
The primary SWIFT code for UniCredit Tiriac Bank SA — now operating as UniCredit Bank SA — in Romania is:
This is the head office SWIFT code registered to the bank's Bucharest headquarters at Expozitiei Blvd 1F Sector 1, Bucharest. It is the standard code used for receiving international wire transfers into a Romanian UniCredit account. If someone is sending money to your UniCredit Bank SA account in Romania from abroad, the sender should use the correct code for the recipient's bank to avoid delays and improve accuracy.
Note that some sources list the 8-character version as BACXROBU without the XXX suffix. Both refer to the same institution. XXX simply indicates the head office rather than a specific branch.
UniCredit Tiriac Bank — now UniCredit Bank SA — may use different SWIFT codes for different branches or banking services, while the head-office code remains the default for most customers. The key codes associated with this institution are:
For most personal and business customers receiving standard international wire transfers, BACXROBUXXX is the correct and widely accepted code to use. When in doubt, verify directly through your UniCredit online banking or by contacting the bank.
Understanding what every component of the SWIFT code means makes it easy to verify the code is correct before sharing it:
All SWIFT codes are either 8 or 11 characters and follow a standard format recognised by an international organization. An 8-character code or one ending in XXX always refers to the head office. A full 11-character code with a unique 3-digit suffix identifies a specific branch.
Romania received approximately USD 9.5 billion in remittances in 2024 according to TheGlobalEconomy.com data — making it one of the highest remittance-receiving economies in the EU relative to population size. International wire transfers flowing into banks like UniCredit Bank SA form a significant part of this total.
When someone abroad is sending money to your UniCredit Bank SA account in Romania, they will typically need the following:
Always provide both your IBAN number and the SWIFT code when making international transfers under UniCredit Tiriac Bank SWIFT Codes. Neither is sufficient on its own for a complete transaction. The recipient should confirm these details exactly as shown. In most cases, you can find them in online banking or on a bank statement.
For transfers between Romanian bank accounts — whether from one UniCredit account to another, or between different Romanian banks — SWIFT codes are not required. Romanian domestic transfers use IBANs processed through the national payment infrastructure, which operates entirely separately from the international SWIFT network.
If a Romania-based sender is transferring money to your UniCredit account from a Romanian bank, they need only your IBAN. Providing a SWIFT code for a domestic Romanian transfer is unnecessary and will not affect how the payment is processed.
When an international wire transfer is initiated under UniCredit Tiriac Bank SWIFT Codes, it is processed as a swift payment through the SWIFT network via the sender’s bank, which uses BACXROBUXXX to route secure payment messages to UniCredit Bank S.A. in the global SWIFT directory. From there, the payment instruction is routed toward Romania, either directly or through one or more correspondent (intermediary) banks, depending on the origin country and currency. Once UniCredit Bank S.A. in Bucharest receives the instruction, the funds are credited to your specific account using your IBAN.
Most international wire transfers to UniCredit Romania arrive within one to five business days. The transaction may pass through intermediary banks, and timing can vary depending on the recipient's bank and correspondent-bank processes, as well as the sending country, the currencies involved, and the sending bank's processing schedule.
You need BACXROBUXXX in these specific situations:
Given that UniCredit is an Italian banking group with deep connections across Europe, many Romanian professionals employed by UniCredit Group entities or Italian companies specify UniCredit Bank SA as their payroll destination. Their payroll teams need BACXROBUXXX alongside your IBAN to route the payment correctly.
Romania had the highest emigration rate among EU member states in 2024, with approximately 4.6 million Romanians — around 24% of the population — living outside the country. When family members abroad send money home through international wire transfers, the UniCredit SWIFT code is essential for accurate routing.
UniCredit Bank SA has a particularly strong corporate and SME banking presence in Romania, making it a common choice for business owners and freelancers who invoice international clients. Providing BACXROBUXXX ensures the payer's bank can process the wire correctly.
If someone uses a dedicated money transfer service to send funds to your UniCredit Romania account, the platform's payment system uses the SWIFT code to identify the receiving institution. Some remittance platforms may offer lower fees or cheaper delivery than traditional bank wires, but users should compare total international fees before paying.
BACXROBUXXX is the correct institutional identifier for UniCredit Bank SA — formerly UniCredit Tiriac Bank SA — in any international financial context. Complete any related forms with detailed information, and double check all bank details before submission.
Europe uses IBAN as the standard account-level identifier for international transfers, and Romania is fully integrated into this system. For any transfer arriving from Europe into your UniCredit Romania account, you need both your 24-character Romanian IBAN and the SWIFT code BACXROBUXXX. The SWIFT code identifies UniCredit Bank SA as the receiving institution. The IBAN identifies your specific account within that institution. A European transfer submitted with only the SWIFT code cannot be credited to any specific account and will be returned or held.
Routing numbers are nine-digit codes used exclusively within the United States domestic payment system. They have no function in international transfers leaving the US. If someone in the United States is sending a wire to your UniCredit Romania account, they need your Romanian IBAN and BACXROBUXXX. The SWIFT code is the only internationally recognised bank identifier for cross-border payments from the US to Romania.
IFSC codes identify specific bank branches within India's domestic payment network for NEFT, RTGS, and IMPS transfers. They operate only within India and have no relevance for international cross-border transfers. If someone in India is sending a wire to your UniCredit Romania account, they use BACXROBUXXX and your Romanian IBAN. IFSC codes are not applicable outside the Indian domestic banking system.
| Common Mistake | What’s Actually Happening | Correct Practice |
|---|---|---|
| Assuming the “Tiriac” rebrand changed the SWIFT code | Although the bank rebranded in 2015, the SWIFT code BACXROBUXXX remained unchanged; UniCredit Tiriac Bank and UniCredit Bank S.A. are the same institution | Always use BACXROBUXXX, regardless of the brand name used in older or newer references |
| Using SWIFT codes for domestic Romanian transfers | SWIFT codes are designed for international payments only | For domestic transfers within Romania, use only the IBAN — no SWIFT code is needed |
| Writing the SWIFT code with spaces | Banking systems treat spaces as invalid formatting and may reject the code | Enter BACXROBUXXX as one continuous string with no spaces |
| Providing SWIFT code without IBAN | The SWIFT identifies the bank, not the individual account | Always provide both SWIFT code and IBAN for international transfers |
| Relying on outdated SWIFT references | Older sources may still list pre-merger HVB Tiriac-related data | Always verify BACXROBUXXX through official UniCredit Romania channels |
| Copying IBAN from memory | Romanian IBANs are 24 characters long, and a single error can redirect funds incorrectly | Copy IBAN directly from UniCredit app, online banking, or a recent statement |
| Assuming all UniCredit branches share one SWIFT code | Some branches may use unique 11-character SWIFT variants with suffixes | Confirm the exact branch code with UniCredit if requested by the sender’s bank |
| Not verifying before high-value transfers | Third-party listings may be outdated or inconsistent | Always confirm SWIFT details through official UniCredit Romania support before large transactions |
No. Your SWIFT code is public information. It identifies UniCredit Bank SA as a Romanian banking institution — not your personal account. Sharing it carries no financial risk.
Your IBAN is also safe to share for the purpose of receiving money. It allows someone to credit your account but cannot be used to access it, authorise outgoing payments, or retrieve personal financial data about you.
What you should never share: your UniCredit online banking login credentials, your card PIN, one-time security codes sent to your phone, or your full card number with expiry date and CVV together. UniCredit Bank will never ask for any of these through an unsolicited call, text, or email. Any such request should be treated as a fraud attempt.
According to the National Bank of Romania, the total assets of the Romanian banking sector reached approximately 999 billion RON in 2024, with the sector remaining well-capitalised and stable — providing a robust institutional framework that protects international wire transfers arriving at Romanian banks.
Whether you are receiving a salary from an Italian employer, collecting freelance income from abroad, or accepting remittances from family in Germany, the UK, or Spain — the UniCredit Tiriac Bank SWIFT code BACXROBUXXX is the identifier that makes it all work. It carries the legacy of the Tiriac era but fully serves the needs of UniCredit Bank SA customers today. Pair it with your 24-character Romanian IBAN and you give any international sender everything they need to complete a wire transfer to your account.
For Romanians living abroad who send money home regularly to family banking with UniCredit Romania, comparing providers can help reduce fees on international transfers and improve the total amount received. ACE Money Transfer, rated 4.7 on Trustpilot by thousands of verified users, is one illustrative option for direct UniCredit Romania bank account delivery, but provider information is for reference only and does not guarantee cheaper pricing in every case. You can learn more in ACE Money Transfer's practical guide: What Is a SWIFT Number and How Does It Work for International Transfers?
The SWIFT code is BACXROBUXXX. Although the bank rebranded to UniCredit Bank SA in August 2015, this SWIFT code — originally registered under the UniCredit Tiriac Bank identity — remains the valid and active code for international wire transfers.
The BACX prefix is a legacy of the bank's SWIFT registration made under the UniCredit Tiriac Bank name before the 2015 rebrand. SWIFT code prefixes are tied to the original registration and are not automatically updated when a bank changes its commercial name. BACXROBUXXX is the correct and currently active code.
Yes. The SWIFT code identifies UniCredit Bank SA as the receiving institution. The IBAN identifies your specific account within the bank. Both are required for a complete and accurate international wire transfer.
Most arrive within one to five business days. Transfers sent during Romanian business hours on weekdays typically process most efficiently. UniCredit's connections within the broader UniCredit Group network can sometimes accelerate transfers from certain European countries.
Yes. UniCredit Tiriac Bank SA officially rebranded to UniCredit Bank SA on 18 August 2015. It is the same legal entity, the same banking licence, and the same SWIFT code — BACXROBUXXX. The rebrand only changed the commercial name and visual identity.
