SWIFT Code UCJAES2M — UNICAJA BANCO, S.A., MALAGA

About SWIFT Code UCJAES2M — UNICAJA BANCO, S.A., MALAGA

SWIFT code UCJAES2M is the official 8-character head-office BIC (Bank Identifier Code) for UNICAJA BANCO, S.A. in MALAGA, Spain. 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 UNICAJA BANCO, S.A. for all outward international remittances from MALAGA. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code UCJAES2M

The code UCJAES2M follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code UCJAES2M

Receiving International Wire Transfers

To receive money from abroad at your UNICAJA BANCO, S.A. account in MALAGA, share SWIFT code UCJAES2M 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 UNICAJA BANCO, S.A., MALAGA must provide SWIFT code UCJAES2M. 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 UNICAJA BANCO, S.A. in MALAGA rely on SWIFT code UCJAES2M 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 UNICAJA BANCO, S.A. →

For cheque clearing or NACH mandates, use the MICR code for UNICAJA BANCO, S.A. →

For TDS challan deposits, find the BSR code for UNICAJA BANCO, S.A. →

How SWIFT Code UCJAES2M Routes an International Transfer

1. Initiation: The sender provides SWIFT code UCJAES2M 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 UNICAJA BANCO, S.A..
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: UNICAJA BANCO, S.A. receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code UCJAES2M

• Spaces or lowercase letters — Always enter UCJAES2M uppercase with no spaces.
• Using the wrong city — This code is for MALAGA 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 Spain.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm UCJAES2M directly with UNICAJA BANCO, S.A.'s MALAGA branch or via the SWIFT BIC Directory.