The SWIFT code for REGIONS BANK is UPNBUS44MIA
While the main REGIONS BANK SWIFT code (ending in XXX) can be used for general transfers, using the branch-specific code UPNBUS44MIA ensures your funds are routed directly to the MIAMI clearing system. This reduces manual processing at the head office and can speed up your transfer by up to 24 hours.
| Bank Name | REGIONS BANK |
| Bank Address | MIAMI FL, US |
| City | MIAMI |
| Country | 🇺🇸 United States of America |
| Bank Code | UPNB |
| Country Code | US |
| Location Code | 44 |
| Branch Code | MIA |
SWIFT Code Tools
Quickly locate any SWIFT/BIC code or verify the one you already have.
Sending money to family or friends shouldn’t be stressful. Understanding the fees and delivery times helps you feel confident about your transfer. At Remitly, we make the process simple, affordable, and secure. You’ll know the total cost and delivery time before completing your transfer. Choose a payment method that suits you, whether it’s a debit or credit card.
Get started nowSending Money to REGIONS BANK in MIAMI
Follow these three steps to ensure your international wire transfer reaches the correct account at the MIAMI branch without delays or hidden intermediary fees.
- Step 1: Collect Recipient Details. You will need the full legal name of the account holder and their IBAN (International Bank Account Number). For United States of America, IBANs typically start with the prefix US.
- Step 2: Enter the SWIFT/BIC Code. When prompted by your banking app or wire service, enter UPNBUS44MIA. This unique 11-character identifier ensures the funds are routed specifically to the REGIONS BANK systems in MIAMI.
- Step 3: Confirm the Transfer Method. If you are sending from within Europe, select SEPA for lower fees and faster delivery. For transfers from outside the EU (e.g., USA, India, or Australia), ensure you select SWIFT/International Wire and double-check if your bank requires an intermediary bank for United States of America transactions.
Where can I find my SWIFT/BIC code?
You can find your SWIFT/BIC code in several easy-to-locate places:
- On your bank statements, either printed or online.
- Inside your online banking portal, under account information.
- On your bank’s official website, usually in their international banking or FAQ section.
- By directly contacting your bank’s customer service.
Online resources like SWIFT Codes Finder can be really helpful.
Example of transaction information
- Beneficiary Name: [Recipient Name]
- Bank: [Bank Name]
- SWIFT/BIC Code: [SWIFT Code]
- Bank Address: [Street, City, Country]
- Account Number/IBAN: [Account Number or IBAN]
Frequently Asked Questions
Should I use this specific code or the REGIONS BANK head office code?
While the REGIONS BANK head office code (ending in XXX) is often accepted, using UPNBUS44MIA is the best way to ensure your money reaches the MIAMI branch directly. By using the branch-specific code, you bypass the central sorting queue at the head office, which can often speed up the processing of your international transfer by a full business day.
Can I receive international payments at the branch in MIAMI?
Yes, the office in MIAMI is fully equipped to receive international wire transfers via the SWIFT network. To ensure the funds are credited correctly, you must provide the sender with the SWIFT/BIC code UPNBUS44MIA and your full IBAN associated with your account at this location.
What is the correct address for a wire transfer to MIAMI?
When you are asked for the "Beneficiary Bank Address" on a wire transfer form, you should provide the specific physical location in MIAMI to ensure a smooth verification process:
REGIONS BANK
MIAMI FL, US, MIAMI, United States of America
How long does it take for money to arrive at this United States of America location?
Typically, an international transfer to the branch in MIAMI takes between 1 and 3 business days. To avoid delays, ensure the sender uses the specific code UPNBUS44MIA. Transfers initiated on weekends or during local public holidays in United States of America may take slightly longer to reflect in your account.
What happens if I use the SWIFT code for the wrong branch?
If you accidentally use a code for a different REGIONS BANK location instead of the one in MIAMI, your money is rarely lost. Instead, the bank will usually perform a "manual repair" to route the funds to the correct account based on your IBAN. However, this manual intervention often incurs a small additional fee and can delay the deposit by 24 to 48 hours.
Is this the same as the IBAN for my account in MIAMI?
No. The SWIFT code UPNBUS44MIA identifies the REGIONS BANK branch in MIAMI, whereas your IBAN identifies your specific, individual bank account. For a successful international transfer, you must provide both pieces of information to the sender.
SWIFT Codes for main United States of America banks
Browse SWIFT Codes by Country
Looking for SWIFT codes in a specific country? Use this section to explore banks and financial institutions by region. Just select a country to view a full list of banks along with their verified SWIFT/BIC codes.