08 May 2026
To send money to Italy, you need more than just a name. If you are sending funds to someone with a Banco Nazionale Del Lavoro (BNL) account, you will encounter terms like “SWIFT code” (known in Italian as “codice SWIFT”), “BIC,” or “IBAN.”
Getting these codes right is the difference between your family receiving funds today or waiting weeks for a bank reversal. This guide simplifies everything you need to know about BNL bank codes.
For international money transfers to BNL, the primary SWIFT code (il codice SWIFT) is:
BNLI IT RR XXX
Main Head Office - Rome, Italy
While BNLIITRRXXX is the main code, specific branches may use variants like BNLIITRR100Z (Abbiategrasso) or BNLIITRRALX (Alessandria). Always confirm the correct SWIFT/BIC with your recipient.
Think of the SWIFT code as the zip code for the bank itself, while the IBAN is the specific mailbox for your recipient.
An Italian IBAN always starts with “IT” and is 27 characters long. Providing both the BNLI IT RR code and the full IBAN is the best way to keep costs low and transfers fast.
?? Statistics: The global average cost to send money remains around 6.36%, often because incorrect details trigger manual intervention or “investigation fees.”
For many US or UK expats, international wire transfers are a major pain point. Using an incorrect SWIFT code (an ISO-approved standard) doesn’t just cause a delay—it leads to frustrating outcomes:
With €9.45 billion in personal remittances flowing into Italy annually, tutto il mondo trusts digital platforms for their international transfers to BNL. Whether for a special occasion or regular support, the right details ensure your family stays secure.
Most platforms won't let you initiate the transfer. If sent without it, the funds will likely be returned to your account within 10 business days, often minus administrative fees.
Yes, BNLIITRRXXX is the head office code for Rome and is generally accepted for all incoming international transfers to BNL customers across Italia.
Absolutely. These are "destination addresses" only and do not give anyone authority to withdraw money. They are necessary for receiving funds from abroad.
This is usually due to "correspondent bank fees." Middleman banks often deduct a service fee. ACE Money Transfer provides transparent pricing to help you avoid these surprises.
