What is a SWIFT code?

A SWIFT code (also called a BIC code) is an 8 or 11 character code that identifies a specific bank and branch for international wire transfers.

Verified🇲🇪 Montenegro

UNIVERSAL CAPITAL BANK SWIFT Code
Montenegro · PODGORICA

Primary SWIFT / BIC Code

UNCBMEPG

Short code (8-digit):UNCBMEPG

Code Breakdown

UNCB

Bank Code

Identifies the bank institution

Country Code

ISO 3166-1 alpha-2: ME

Location Code

City or regional hub

XXX

Branch Code

Primary head office

Institution Information

Institution Name	UNIVERSAL CAPITAL BANK
Country Code	🇲🇪 Montenegro
City	PODGORICA
Currency	EUR

Frequently Asked Questions

What is the SWIFT code for UNIVERSAL CAPITAL BANK?

The primary SWIFT/BIC code for UNIVERSAL CAPITAL BANK in Montenegro is UNCBMEPG. Use UNCBMEPG for transfers to the head office.

How do I use the UNIVERSAL CAPITAL BANK SWIFT code?

To send money to UNIVERSAL CAPITAL BANK, enter the SWIFT code UNCBMEPG in your bank's international transfer form.

What is the difference between an 8-digit and 11-digit SWIFT code?

An 8-digit code identifies the bank's head office. An 11-digit code adds a 3-character branch identifier. If unsure, using the 8-digit code is usually safe.

Is this SWIFT code correct and up-to-date?

This data is sourced from publicly available banking registries and verified regularly. Always confirm the SWIFT code with your bank before initiating any transfer.

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Quick Summary

Primary CodeUNCBMEPG

Institution NameUNIVERSAL CAPITAL BANK

Country Code🇲🇪 Montenegro

CurrencyEUR

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Transfer Security Guide

Complete these safety checks before initiating your international wire transfer:

Verify Recipient Bank Name

Ensure the target institution name matches the SWIFT code database record.

Check Branch Identifier (XXX or Branch Code)

Use XXX for the main headquarters. Enter the specific 3-digit branch code only if instructed by the recipient.

Confirm Target Currency & Intermediary Fees

Check if an intermediary bank is involved, which might deduct additional transfer fees.

⚠️ Please review and check all security steps.