Banca di Credito Popolare SWIFT/BIC code

Banca di Credito Popolare SWIFT code: BCPTITNN

BCPTITNN and BCPTITNNXXX are two spellings of the same SWIFT/BIC code, and both point to Banca di Credito Popolare in Torre del Greco. A BIC has a single purpose: it ensures that money from abroad reaches the right bank. You will need it mostly for transfers between countries and payments in foreign currencies.

Further down we go through the practical side: receiving money at Banca di Credito Popolare, sending money abroad and how to verify the code before you hit send. A SWIFT code names an institution, not a single account, which is why you always need the account number too.

Protect yourself against fake payment requests

Stay wary when someone unexpectedly wants you to pay into another account. A correct SWIFT code tells you nothing about whether the request is genuine.

Before paying, confirm changed bank details by phone, using a number you already had. Watch out for urgent requests, unusual wording or an email address that differs by one letter. Already paid? Contact your bank straight away and have them start a recall and report the fraud.

Fraud can also target the receiver. Someone sends too much and asks you to return the extra via a different route. A payment confirmation from the sender is no proof.

Sending money abroad from Banca di Credito Popolare

If you send money to another country through Banca di Credito Popolare, the visible fee is only part of the cost. On top of the transfer fee, banks in between may deduct a fee, and when the money changes currency the bank usually uses a rate that is less favourable than the actual market rate.

Many banks rarely show their exchange rate markup as a cost – you only notice it if you compare. An easy check: set the rate you get next to the mid-market rate for the same moment and look at the difference.

For a lot of routes, a specialist provider turns out to be less expensive than a bank. Next time you send money, it is worth to compare the total cost on GoldexPay. Choosing a specialist does not mean closing your account at Banca di Credito Popolare – you pay the provider from your own account.

Paying Banca di Credito Popolare in euros within SEPA

Inside SEPA, euro transfers to Banca di Credito Popolare use common rules. A field for the BIC is often optional in that case.

The BIC still come into play for payments in other currencies, and for transfers from outside SEPA. If a payment form asks for the BIC regardless, adding BCPTITNN is fine.

Instant euro transfers are increasingly available within SEPA; check with Banca di Credito Popolare whether it applies to your account. Charges on SEPA payments tend to be low as long as everything stays in euros.

Where our SWIFT data comes from

The details here are taken from public sources. Still, banks merge or retire codes. The number of codes we show reflect our own data and not on information from Banca di Credito Popolare itself.

Treat this page as a reference, not as the final word: the recipient’s bank details come first. GoldexPay has no connection to Banca di Credito Popolare; we are a comparison site for money transfers. If you notice something that is out of date, we appreciate a message via the contact page.

Before you send: check the Banca di Credito Popolare code

The most reliable source for the BIC is the bank details provided by the recipient. Check that code against BCPTITNN on this page.

If the code is wrong, the payment may get stuck, be returned or cost extra – sometimes after weeks of searching. Do not forget the IBAN: a mistake there is harder to correct than a wrong BIC.

Many banking apps validate the structure of IBANs. Some banks now compare the name against the account before you confirm – do not ignore a mismatch warning. For a first payment, some people send a small amount first.

What to give a sender who pays you at Banca di Credito Popolare

To receive a transfer from abroad into your account at Banca di Credito Popolare, the person paying you needs more than the SWIFT code. The basics are: the account holder’s name, account number or IBAN, BCPTITNNXXX and in many cases your postal address.

Their bank might also ask for the address of your bank, in which case the Torre del Greco head office is the usual answer. A mistake in the IBAN is harder to fix than it looks; copy them from your banking app rather than typing.

The amount you receive is often lower than what was sent. Fees for incoming transfers differ from bank to bank; check the price list of Banca di Credito Popolare. Make clear with the sender who covers the fees.

How long does an international transfer to Banca di Credito Popolare take?

How quickly a payment arrives at Banca di Credito Popolare depends on several factors: which currency you send, the number of banks in between, daily processing deadlines and differences in time zone. Weekends and public holidays in either country add extra days. Compliance checks on larger or unusual payments can also add a delay, regardless of the details.

Many banks use SWIFT gpi. Each payment gets a unique transaction reference, the UETR that banks can use to trace it. Keep the payment confirmation until the money has arrived; it contains the details a bank needs to start a trace.

The bank that sent the money can start an official trace; the receiving side usually has nothing to trace yet. Ask the sender for the payment receipt with the date and reference.

Euro (EUR) and conversion costs

Most accounts at Banca di Credito Popolare are typically held in EUR, the national currency of Italy. If you send another currency it gets converted somewhere along the way. There is rarely a separate line for that conversion – the cost sits in the rate.

Who does the conversion affects how much arrives. Check what EUR arrives via different services.

Rates for EUR change all the time – some services let you fix a rate in advance. If you pay regularly, a slightly better rate add up over a year.

Why Banca di Credito Popolare has an 8- and an 11-character code

A SWIFT code is made up of fixed blocks: characters one to four stand for the bank, characters five and six show the country and the two after that mark the location. That gives you BCPTITNN.

XXX at the end of BCPTITNNXXX is not a missing value or an error: it stands for the head office of Banca di Credito Popolare. Some banking apps ask for 11 characters, and then you simply enter XXX behind BCPTITNN.

As a rule the code is typed in capitals and without spaces. A single character can send the money to a different institution.

Choosing between the 69 SWIFT codes of Banca di Credito Popolare

Banca di Credito Popolare has 69 different SWIFT/BIC codes across 48 locations. One of them is the head office code, BCPTITNNXXX; the rest belong to branches, and sometimes specific services.

For the vast majority of payments to a private or business account, the head office code BCPTITNNXXX is the right choice. When you receive a specific code, stick to it rather than replacing it for the head office code.

Not sure which code to use? Ask the recipient or the bank itself. Codes for branches are more likely to change than BCPTITNNXXX when a bank merges or closes offices.