08 May 2026
Imagine this: you've finally sat down after a long week in London or Dubai to send money home to Italy. You hesitate—does the branch in Modena have a different code than the branch in Naples?
A SWIFT code acts like a precise GPS coordinate for global finance. For BPER Banca S.p.A., these alphanumeric identifiers (8-11 characters) are crucial for routing secure international wire transfers and SEPA payments correctly every single time.
According to the verified SWIFT registry, the primary code you need for BPER Banca (Banca popolare dell'Emilia Romagna) is:
BPMO IT 22 XXX
Head Office - Modena, Italy
In 2025, immigrant remittances to Italy rose by 3.9%. With this volume, banks use automated security filters that can block transfers if details don't match. If a payment is sent to the wrong code, the receiving bank will alert that they do not manage the recipient's account, leading to reversals.
Depending on where you are sending money from, your transfer speed and cost will vary:
Remittances to Italy hit a record 3.9% rise in 2025. In a landscape of automated filters, one small error can lead to costly delays:
With over 1,700 branches across Italy, finding the right code is simple:
Stay connected with your loved ones in Italy. ACE Money Transfer offers low fees and fast remittance corridors, ensuring more Euros reach your family's account without the stress of traditional banking delays.
While individual branches may have 11-character codes, BPMOIT22XXX is the standard industry code for the head office and is accepted for incoming transfers to any BPER account.
If sending from outside the SEPA zone, your bank will likely reject the transfer immediately. Within SEPA, an IBAN may suffice, but a SWIFT code is recommended to avoid manual processing fees.
Standard transfers take 1 to 3 business days. Using a digital remittance specialist can often settle funds on the same day.
No. The SWIFT code identifies the bank (BPER), not the account. Whether it's savings or checking, the code remains the same; the IBAN handles the specific account routing.
