Romania · Financial institution
Unicredit Bank SA
Legal name in the LEI recordUNICREDIT BANK S.A.
UniCredit Bank S.A. is a Romanian joint-stock company with a two-tier board. It is headquartered in Bucharest and licensed by the National Bank of Romania. UniCredit S.p.A. of Italy holds 89.09% of its share capital and Alpha International Holdings Single Member S.A. holds 9.90%. The bank provides retail, private banking, SME, corporate and treasury services, and it owns consumer-finance and leasing subsidiaries in Romania. It was founded in 1991 as Banca Comerciala Ion Tiriac and absorbed Alpha Bank Romania S.A. with effect from 15 August 2025.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Not on the ECB reserve list
- Listed as
- UniCredit Bank S.A.
- RIAD code
- RORBPJR40011
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- BACXROBUXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under BACXROBU directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SDD Core · SDD B2B · T2 · ReGIS
- Branch codes
- 1 branch code
- BIC first registered
- 1998-09-05
- Last updated
- 2018-03-27
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
89.09% UniCredit S.p.A.
Institution type
Universal bank
Trades as UniCredit Bank
- Standing
- The bank absorbed Alpha Bank Romania S.A. by merger with effect from 15 August 2025. It continues to operate under its own name, BIC and LEI.
- Ownership
- UniCredit S.p.A. holds 89.09%, Alpha International Holdings Single Member S.A. holds 9.90% and minority shareholders hold 1.01%.
- Direct parent
- UniCredit S.p.A., Italy 89.09%
- Major shareholder
- Alpha International Holdings Single Member S.A. 9.9% · 30 Jun 2026
- Head office
- Bulevardul Expozitiei nr. 1F, Sector 1, 012101 Bucharest, Romania
- Company register
- J1991007706408 (Trade Register Bucharest; formerly J40/7706/1991); CUI RO361536; Bank Register RB-PJR-40-011/1999
- Former names
- UniCredit Tiriac Bank S.A. · Banca Comerciala HVB Tiriac S.A. · Banca Comerciala Ion Tiriac S.A.
Business lines
Its segments are Corporate and Investment Banking, Retail and Private Banking, and Treasury. Consumer finance and leasing are run through the subsidiaries UniCredit Consumer Financing IFN S.A. and UniCredit Leasing Corporation IFN S.A.
Online
- Websites & references
- unicredit.ro ↗
Wikipedia ↗ - Official social accounts
- LinkedIn ↗ · YouTube ↗
Sources · 10 pages consulted
- unicredit.ro/en/institutional/the-bank/organizational-structure.html
- unicredit.ro/en/financial-institutions/miscellaneous/law-information.html
- unicredit.ro/en/financial-institutions/transactional-banking/correspondent-banking.html
- unicredit.ro/en/institutional/the-bank/financial-reports.html
- unicredit.ro/content/dam/cee2020-pws-ro/DocumentePDF/Institutional-Rezultate-financiare/HALF-YEAR-REPO
- unicredit.ro/ro/institutional/centru-media/comunicate-de-presa/unicredit-bank-romania-a-finalizat-cu-s
- m.bvb.ro/FinancialInstruments/SelectedData/NewsItem/UCB27-Numire-CEO/9AF53
- bankingnews.ro/unicredit-amenda-consiliul-concurentei-robor.html
- news.ro/economic/dosarul-robor-unicredit-bank-sa-anunta-ca-va-utiliza-toate-mijloacele-procedural
- en.wikipedia.org/wiki/UniCredit_Bank_Romania
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Mihaela Lupu CEO (Executive President of the Management Board)
- Chair
- Sergiu-Bogdan Oprescu President of the Supervisory Board
- Chief financial officer
- Georgia Salagean Executive Vice President Finance (CFO)
- Executive
- Alen Dobric Executive Vice President Risk
- Executive
- Antoaneta Curteanu Executive Vice President Retail
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- Romania
- National Bank of Romania Central bankPrudential supervisorAML supervisorResolution
Recent events 2 enforcement or investigation items
Researched 29 Sep 2026 · Sources
-
Enforcement
The Romanian Competition Council sent the bank its reasoned ROBOR decision on 28 September 2026. The bank said it would challenge it through legal channels.
news.ro ↗ -
Enforcement
The Romanian Competition Council fined the bank RON 431.03 million for exchanging confidential information in the ROBOR benchmark fixing.
bankingnews.ro ↗ -
Leadership
The mandate of Ion Stan as Executive Vice President (COO) on the Management Board ended on 20 April 2026.
unicredit.ro ↗ -
Merger / acquisition
The bank absorbed Alpha Bank Romania S.A. by merger effective 15 August 2025, after regulatory approvals received on 8 August 2025.
unicredit.ro ↗ -
Merger / acquisition
UniCredit S.p.A. acquired 90.1% of Alpha Bank Romania, paying partly with 9.9% of the bank's share capital and about EUR 255 million in cash.
unicredit.ro ↗ -
Leadership
Mihaela Lupu became CEO and President of the Management Board on 16 October 2023, with the approval of the National Bank of Romania.
m.bvb.ro ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- BACXROBUXXX
- How the BIC breaks down
- BACXBank
- ROCountry · Romania
- BULocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 5493003BDYD5VPGUQS04
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
- National bank code
- ReGIS participant (IBAN bank code) BACX
Profile
- Type
- Financial institutionClassified as a financial institution in Swift’s ISO 9362 BIC directory, with no licence on a tracked register. This includes banks that neither the ECB nor the FSB lists, as well as brokers, fund managers, insurers and market infrastructure.
- Regulation
- Not on a tracked registerNo licence or registration was found for this entity on the registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Romania · Europe & Central Asia
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
Ownership and group
GLEIF relationship records
- Direct parent
- Unicredit, Societa' Per Azioni · Italy549300TRUWO2CD2G5692 ↗
The Unicredit, Societa' Per Azioni group has 42 institutions in the directory, in 20 countries: 41 hold a BIC and 1 does not.
Including Unicredit Bank GMBH, Unicredit S.P.A., Unicredit Bank Austria AG, Unicredit Bank GMBH, Unicredit Bank GMBH.
See the Unicredit, Societa' Per Azioni group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- EXPOZITIEI BLVD. SECTOR 1 FLOOR 1 BUCHAREST 012101 ROMANIA
- Operational address
- EXPOZITIEI BLVD 1F SECTOR 1 BUCHAREST 012101 BUCHAREST ROMANIA
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>BACXROBUXXX</BICFI>
<LEI>5493003BDYD5VPGUQS04</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>BACXROBUXXX</BICFI>
<LEI>5493003BDYD5VPGUQS04</LEI>
<Nm>UNICREDIT BANK SA</Nm>
<PstlAdr>
<TwnNm>BUCHAREST</TwnNm>
<Ctry>RO</Ctry>
<AdrLine>EXPOZITIEI BLVD. SECTOR 1 FLOOR 1 BUCHAREST 012101</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28 · BNR ReGIS list
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2008-01-28 | Head office | — |
| SEPA Direct Debit CoreISO 20022 messages | 2010-11-01 | Head office | — |
| SEPA Direct Debit Business-to-BusinessISO 20022 messages | 2010-11-01 | Head office | — |
| T2 (Eurosystem real-time gross settlement)ISO 20022 messages | — | Head office | — |
| ReGIS (Romanian leu real-time gross settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. The T2 list names direct participants only and gives no joining date.
An institution missing from T2 may still be reachable through an indirect participant.
The BNR ReGIS list gives no joining date.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
National bank codes
ReGIS participant (IBAN bank code) · Romania
1 code
| Code | Routes to BIC | Name in the national file |
|---|---|---|
| BACX | BACXROBUXXX | UNICREDIT BANK S.A. |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
Network
Branches and correspondent banking
One branch BIC connects to the head office. The bank publishes 21 accounts at other banks, across 3 regions. 8 other banks publish 8 accounts held with this bank.
- Own offices
- Correspondent banks: it holds accounts there
- Respondent banks: they hold accounts here
Hover over a branch, account or group to see its details
Correspondent accounts
Researched 29 Sep 2026 · Sources
21 accounts at other banks, in 16 currencies, as the bank publishes them: unicredit.ro ↗
| Currency | Correspondent | BIC | Account | Directory check |
|---|---|---|---|---|
| AUD | UNICREDIT SPA, Milano Italy | UNCRITMM | — | Matches the Swift directory |
| CAD | UNICREDIT SPA, Milano Italy | UNCRITMM | — | Matches the Swift directory |
| CHF | UBS Switzerland AG, Zurich Switzerland | UBSWCHZH80A | — | Matches the Swift directory |
| CNY | Bank of China Limited China | BKCHCNBJS00 | — | Matches the Swift directory |
| CZK | UNICREDIT BANK CZECH REPUBLIC AND SLOVAKIA, A.S., Prague Czechia | BACXCZPP | — | Matches the Swift directory |
| DKK | UNICREDIT SPA, Milano Italy | UNCRITMM | — | Matches the Swift directory |
| EUR | UNICREDIT SPA, Milano Italy | UNCRITMM | — | Matches the Swift directory |
| EUR | UNICREDIT BANK AUSTRIA AG, Vienna Austria | BKAUATWW | — | Matches the Swift directory |
| EUR | UNICREDIT BANK AG, Munich Germany | HYVEDEMM | — | Matches the Swift directory |
| GBP | NATIONAL WESTMINSTER BANK PLC, London United Kingdom | NWBKGB2L | — | Matches the Swift directory |
| HUF | UNICREDIT BANK HUNGARY ZRT, Budapest Hungary | BACXHUHB | — | Matches the Swift directory |
| JPY | SUMITOMO MITSUI BANKING CORPORATION, Tokyo Japan | SMBCJPJT | — | Matches the Swift directory |
| NOK | UNICREDIT SPA, Milano Italy | UNCRITMM | — | Matches the Swift directory |
| PLN | BANK POLSKA KASA OPIEKI SA, Warsaw Poland | PKOPPLPW | — | Matches the Swift directory |
| PLN | PKO Bank Polski SA, Warsaw Poland | BPKOPLPW | — | Matches the Swift directory |
| SEK | UNICREDIT SPA, Milano Italy | UNCRITMM | — | Matches the Swift directory |
| TRY | YAPI VE KREDI BANKASI AS, Istanbul Türkiye | YAPITRIS | — | Matches the Swift directory |
| USD | JPMorgan Chase Bank NA, New York United States | CHASUS33 | — | Matches the Swift directory |
| USD | THE BANK OF NEW YORK MELLON, New York United States | IRVTUS3N | — | Matches the Swift directory |
| USD | STANDARD CHARTERED BANK, NEW YORK BRANCH United States | SCBLUS33 | — | Matches the Swift directory |
| ZAR | UNICREDIT SPA, Milano Italy | UNCRITMM | — | Matches the Swift directory |
The Nostro Accounts table on the Correspondent Banking page gives currency, correspondent name and BIC but no account numbers. All 21 rows were extracted. EUR, PLN and USD each list more than one correspondent. The page has no date for the table. The newest item on the page is a Fitch report dated 4 December 2025. Each correspondent BIC is checked against the Swift directory: a BIC missing from it, or registered to a differently named bank, may be a typo or out of date. Confirm settlement instructions with the bank before relying on them.
Respondent banks
From the correspondent lists other banks publish
8 other banks publish 8 accounts held with this bank.
| Currency | Respondent bank | Held at | Account | Purpose | Published in |
|---|---|---|---|---|---|
| RON | Alpha Bank S.A. Greece | BACXROBU | — | — | alpha.gr ↗ |
| RON | DNB Bank ASA Norway | BACXROBU | RO27BACX0000000001496250 | — | content.dnb.no ↗ dated 2 Feb 2026 |
| RON | Jyske Bank A/S Denmark | BACXROBU | — | FX, money market, derivatives and banknote settlement | jyskebank.com ↗ |
| RON | Pnc Bank,n.a., United States | BACXROBU | — | receipt of foreign currency payments | pnc.com ↗ dated 1 May 2024 |
| RON | Santander UK PLC United Kingdom | BACXROBUXXX | RO07BACX0000000002575250 | cash settlement (SSI) | santander.co.uk ↗ dated 21 Jun 2022 |
| RON | Unicredit Bank GMBH Germany | BACXROBU | RO26BACX0000000001419250 | FX, money market and derivatives settlement | hypovereinsbank.de ↗ dated 6 Jan 2026 |
| RON | Unicredit Bank Hungary Zrt. Hungary | BACXROBU | RO69BACX0000000001333310 | commercial payments | unicreditbank.hu ↗ dated 5 Jan 2026 |
| RON | Unicredit Bulbank Ad Bulgaria | BACXROBU | RO68BACX0000000001452250 | CP, FX, MM | unicreditbulbank.bg ↗ |
Each row is an account the respondent bank lists as held with this bank, as published. Only banks that publish their correspondent accounts, and that Elucidate has researched, can appear, so the list is not complete. Confirm settlement instructions with either bank before relying on them.
Branch codes
| BIC | Branch | City | Address | LEI | Updated |
|---|---|---|---|---|---|
| BACXROBUBKR | BROKERAGE ACTIVITY WITH CENTRAL DEPOSITARY | Bucharest | EXPOZITIEI BLVD 1F SECTOR 1 BUCHAREST 012101 BUCHAREST ROMANIA | — | 2025-07-26 |
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of T2 participants. Source: Banca Națională a României, list of ReGIS participants.
- National bank codes—Romania (Source: Banca Națională a României).
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- European registers—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Matched on LEI by Elucidate.
Assess the financial crime risk behind a BIC
A BIC identifies an institution; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
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