Wire transfer is the fastest mode of receiving money in your Unicaja Banco (Spain) account from abroad. You can receive money into your Unicaja Banco, S.A. account from a foreign country via International wire transfer. The transaction is initiated by the sender through a financial institution, however, you need to provide your banking details to the sender for successful transfer of money.

International Wire Transfer to Unicaja Banco

International wire transfer is one of the fastest way to receive money from foreign countries. Banks use SWIFT network for exchanging messages required for performing international wire transfer. Usually, the receiving bank (in Spain) and the sending bank (in other country) need to have a direct arrangement in place to start the swift transfer – this is sometimes referred to as correspondent banking.

Incoming International Wire Transfer Instructions

To receive international wire transfer in your Unicaja Banco, S.A. account, please provide the following wire instructions to the sending financial institution:

Bank Name:	Unicaja Banco, S.A. Spain
SWIFT BIC Code for Unicaja Banco:	UCJAES2M
Bank Address:	Avenida De Andalucia 10-12 29007 Malaga, Malaga, Spain
Beneficiary Account Number:	Your complete Unicaja Banco, S.A. account number (including leading zeros, if any)
Beneficiary Name:	The full name of your account as it appears on your statement
Beneficiary Address:	Your complete address

Note of Caution on Fees: If your money transfer involves currency conversion, there is a high chance you will get a poor exchange rate from the banks and as a result pay high hidden fees. We recommend services like TransferWise for getting best conversion rates and lower wire transfer fees.

Outgoing International Wire Transfer Instructions

To send international wire transfer from your Unicaja Banco account, You need to know the following information about the person or company receiving the money:

1. The recipient’s account name and address
2. The recipient’s IBAN or account number
3. The name and address of recipient’s bank – including the BIC (Business Identifier Code) / SWIFT code / clearing code

Incoming Wire Transfer Fees for Unicaja Banco Spain

International Incoming Wire Transfer Fees for Unicaja Banco is as follows:

Payment type	Cost
Operations Settled on Behalf	0.20%, with a minimum of 15.00 EUR and a maximum of EUR 100.00
Operations Settled by Box	1.00%, with a minimum of 15.00 EUR

Outgoing Wire Transfer Fees for Unicaja Banco Spain

International Outgoing Wire Transfer Fees for Unicaja Banco is as follows:

Payment type	Cost
Liquidated Operations Account	0.70%, with a minimum of 15.00 euros
Liquidated Operations per Box	1.50%, with a minimum of 15.00 euros
Additionally, with clause OUR	0.10%, with a minimum of 25.00 euros

Apart from the wire transfer fees, if the transfer involves currency conversion, banks make money on currency conversion as well by giving retail conversion rates to you which is usually 1-2% lower than the market rate. We recommend using services like TransferWise for getting best conversion rates with lower wire transfer fees.

Wire Transfer Cutoff Time for Unicaja Banco Spain

1. The Cut-off Time for all transfer requests issued in euros and accepted by Unicaja up to 14:00 hours.
2. The Cut-off Time for all transfer requests in currencies other than the euro which are listed in the Spanish Currency Market and issued and accepted by Unicaja up to 12:50 hours.
3. Any requests received after cutoff time will normally be processed the next working day.