SWIFT Code ZABAHR2XUMA — ZAGREBACKA BANKA DD, UMAG

About SWIFT Code ZABAHR2XUMA — ZAGREBACKA BANKA DD, UMAG

SWIFT code ZABAHR2XUMA is the official 11-character branch-specific BIC (Bank Identifier Code) for ZAGREBACKA BANKA DD in UMAG, Croatia. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by ZAGREBACKA BANKA DD for all outward international remittances from UMAG. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code ZABAHR2XUMA

The code ZABAHR2XUMA follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code ZABAHR2XUMA

Receiving International Wire Transfers

To receive money from abroad at your ZAGREBACKA BANKA DD account in UMAG, share SWIFT code ZABAHR2XUMA with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at ZAGREBACKA BANKA DD, UMAG must provide SWIFT code ZABAHR2XUMA. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using ZAGREBACKA BANKA DD in UMAG rely on SWIFT code ZABAHR2XUMA for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for ZAGREBACKA BANKA DD →

For cheque clearing or NACH mandates, use the MICR code for ZAGREBACKA BANKA DD →

For TDS challan deposits, find the BSR code for ZAGREBACKA BANKA DD →

How SWIFT Code ZABAHR2XUMA Routes an International Transfer

1. Initiation: The sender provides SWIFT code ZABAHR2XUMA and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to ZAGREBACKA BANKA DD.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: ZAGREBACKA BANKA DD receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code ZABAHR2XUMA

• Spaces or lowercase letters — Always enter ZABAHR2XUMA uppercase with no spaces.
• Using the wrong city — This code is for UMAG only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within Croatia.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm ZABAHR2XUMA directly with ZAGREBACKA BANKA DD's UMAG branch or via the SWIFT BIC Directory.