Anima Sgr SWIFT/BIC code

ANISITM1 – the SWIFT/BIC code of Anima Sgr

The short code ANISITM1 and the 11-character code ANISITM1XXX identify the same bank: Anima Sgr in Milano, Italy. A BIC has a single purpose: it makes sure that a cross-border transfer reaches the right bank. You will need it mainly when dealing with payments that cross a border or a currency.

This page is meant to help people who pays into an account at Anima Sgr and wants to get the details right. The BIC names an institution, never a specific account.

8 or 11 characters: ANISITM1 versus ANISITM1XXX

Every SWIFT/BIC code has the same eight core characters: four letters for the bank, a two-letter country code and two characters for the location. In this case, that core is ANISITM1.

Most payment forms work with both lengths. If yours asks for eleven characters, use ANISITM1XXX.

Do not add spaces when you enter ANISITM1 or ANISITM1XXX. Watch for the letter O and the digit 0 and the letter I and the digit 1; they are easy to mix up.

A note on our data

The codes on this page are taken from publicly available data which we refresh regularly. Even so, banks merge, rename themselves or retire codes, so information can be out of date. Counts and locations are from our directory and are not confirmed by Anima Sgr.

Before a payment that matters, confirm the code with Anima Sgr or with the recipient. GoldexPay is a comparison site for money transfers and not part of Anima Sgr. Found an error? Tell us through the contact page.

When will the money arrive at Anima Sgr?

There is no fixed delivery time for every transfer: many arrive within a day while others need several business days. Payments made late in the day or on a weekend or public holiday often start the next business day. Occasionally a bank wants to know what the payment is for.

If a transfer is delayed, ask the sending bank for the status and the transaction reference. Money transfer services often show a status online showing how far the money has got.

If the money does not arrive after a few business days, the sender should start with their own bank. On the receiving end, you can check your statements to see a slightly lower amount because fees can reduce the amount.

Receiving money from abroad at Anima Sgr

A sender in another country will ask for several details from you. Give them the account holder’s name, your account number or IBAN, SWIFT code ANISITM1XXX and your address.

It helps to add Anima Sgr and Milano too, because some payment forms have separate fields for them. A typo in the IBAN is harder to fix than you might think, so copy the details from your online banking.

Money from abroad does not always land for the full amount. Charges on incoming payments vary from bank to bank – the price list of Anima Sgr tells you what applies. Make clear with the sender who pays which costs before the money is sent.

SEPA payments and the Anima Sgr BIC

Because Italy is in SEPA, a euro payment to Anima Sgr from within the SEPA area normally requires just the IBAN. Many banks do not require the BIC for these payments or fill it in for you.

A SWIFT code like ANISITM1 does matter when the currency is not euros and when the money comes from outside SEPA. Some forms also ask for the BIC; if so, enter ANISITM1 or ANISITM1XXX.

Euro payments within SEPA usually arrive by the next business day; instant payments are faster if both banks offer them. Provided no currency is converted, a SEPA transfer is inexpensive; costs rise once a conversion is involved.

Sending EUR to Anima Sgr

Most accounts at Anima Sgr are typically held in EUR, the national currency of Italy. When you pay another currency, the amount has to be converted somewhere along the way. You rarely see a separate charge for that conversion.

Where the conversion happens has an effect on the final amount, as rates and margins differ per bank. Transferring the amount already in EUR often prevents a second conversion at the receiving end – as long as your own rate is good.

Rates for EUR move all the time, and some providers let you lock in a rate. On larger amounts, even small gap in the rate can be worth more than the fee.

Paying someone abroad from your Anima Sgr account

An international bank payment costs rather more than the fee suggests. There is the fee for the transfer itself, possibly fees charged by intermediary banks in between and, above all, the exchange rate markup when the money is converted.

Many banks rarely show the margin on the rate separately. A simple test: set the rate you get against the mid-market rate and work out the difference on your amount.

Specialised transfer providers often use rates closer to the mid-market rate and lower fees. Next time you send money, it is worth to compare what arrives via GoldexPay. You can still keep your account at Anima Sgr, while a cheaper service handles the conversion.

Verifying the SWIFT code of Anima Sgr

Have the recipient copy the account details straight from their online banking. When the code you were given does not match ANISITM1 or ANISITM1XXX, stop and ask.

If the code is wrong, the transfer may get stuck, be returned or end up costing more – sometimes after weeks of searching. A mistake in the IBAN or account number is a bigger problem, because the money may be credited to someone else; check it just as carefully.

Most online banking apps check the format of IBANs and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. More and more banks compare the name with the account; take any warning seriously. For a first payment, some people start with a small amount first.

Changed bank details? Be careful

One of the most common tricks goes like this: an email arrives with a request saying that a company has a new bank account and asking you to pay there from now on. A real SWIFT code tells you nothing about who owns the account.

Do not trust contact details in the same message that contains the change. Be suspicious of time pressure, odd spelling or an email address that differs by one letter. If money has already gone to a fraudster, contact your bank immediately.

Scams also target the receiver. Someone sends too much and asks you to return the extra. A screenshot of a transfer proves nothing – check your own account.

Head office or branch code at Anima Sgr?

Our database contains 3 SWIFT/BIC codes for Anima Sgr. Besides the head office code ANISITM1XXX, there are codes for branches, departments or specific services.

For most payments to a private or business account, the head office code ANISITM1XXX is what you need. Branch codes are only needed when the recipient’s bank explicitly mentions it, which is more common for corporate accounts and trade services.

The safest route is to copy the code directly from the recipient’s invoice. Branch codes are sometimes changed or retired when banks reorganise.