Banca Popolare di Fondi SWIFT/BIC code

Banca Popolare di Fondi SWIFT code: POFOIT3F

POFOIT3F and POFOIT3FXXX are two spellings of the same bank identifier, and both point to Banca Popolare di Fondi in Fondi. A SWIFT code tells the sending bank which institution should receive the money. In practice you usually see it on international invoices, in payment forms and on the account details of Banca Popolare di Fondi customers.

Below we go through the practical side: receiving money at Banca Popolare di Fondi, paying someone in another country and how to check the code before you hit send. Remember that the SWIFT code only identifies the bank, not the person: the IBAN or account number takes care of that.

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

An international transfer typically takes anywhere from one to several business days. Weekends and public holidays in either country can add a day or more, since banks do not process on those days. Sometimes a bank asks what the payment is for, which can hold things up.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each payment carries a unique reference, the UETR that banks can use to trace it. Money transfer services often show a status in their app showing where the payment has got.

If a payment has not arrived within the expected time, the person who paid should start with their own bank, not the receiving bank. Ask the sender for a copy of the payment confirmation including the reference – it helps your own bank look for the money.

Receiving money from abroad at Banca Popolare di Fondi

Someone abroad who wants to pay you will ask for several details from you. Share your name as the bank knows it, your account number or IBAN, SWIFT code POFOIT3FXXX and your address.

You can add Banca Popolare di Fondi and Fondi too. A mistake in the IBAN can be harder to fix than it looks; copy them from your banking app rather than typing.

Expect that the amount credited is below the amount on the sender’s receipt. Charges on incoming payments differ per bank. On invoices, you can agree who bears the costs to avoid a shortfall.

Watch out for payment fraud

Criminals often use payment requests containing new bank details sent from what looks like a familiar address. That POFOIT3F is a real code does not mean that a request mentioning it is genuine – fraudsters use real bank codes as well.

Before paying, confirm changed bank details by phone on a number you know, not one from the message. Watch out for time pressure, odd spelling or a sender address that is slightly off. Acted too fast? Contact your bank without delay and ask them to start a recall.

Recipients can be targeted as well: one known trick is an overpayment and then sends a request to refund the difference. Wait until the money is actually in your account.

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

The structure of every SWIFT code never changes: a bank code of four letters, two for the country and two for the location, sometimes followed by a branch code. Together, those parts form POFOIT3F – the version you usually see online.

XXX at the end of POFOIT3FXXX is not a placeholder or a mistake: it stands for the main office of Banca Popolare di Fondi. Certain payment forms insist on 11 characters, and then you can add XXX behind POFOIT3F.

Enter the code in one piece, in upper case and without spaces, exactly as shown here. A single character can send the money to a different institution, so check it twice.

A note on our data

We collect SWIFT/BIC codes using publicly available data and update them from time to time. Institutions reorganise, change names and retire codes – a directory can be a step behind. Counts and locations come from our directory and are not confirmed by Banca Popolare di Fondi.

Treat the information on this page as a helpful check. GoldexPay is a comparison site and not part of Banca Popolare di Fondi. Should you notice something that is out of date, we appreciate a short note via the contact page.

Euro (EUR) and conversion costs

The national currency in Italy is the Euro (EUR). When you pay money in a different currency it gets converted at some point: by your bank, an intermediary or Banca Popolare di Fondi itself. Each conversion eats into the amount.

Who does the conversion affects the final amount. Compare how much EUR arrives via different services.

The EUR rate fluctuates throughout the day and quotes are often valid only for a short time. On larger amounts, even seemingly small difference in the rate can be worth more than the fee.

Paying someone abroad from your Banca Popolare di Fondi account

An international bank payment costs more than the fee suggests. On top of the transfer fee, banks in between may take a cut, and if the money changes currency the bank often uses a rate below the actual market rate.

Most of the cost usually sits in the exchange rate: the bank converts using an exchange rate with a margin built in. Compare their rate with the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

Specialised transfer providers frequently use rates closer to the mid-market rate and lower fees. Next time you send money, it is worth to compare the total cost via GoldexPay rather than accepting the bank’s rate by default. You can always use your account at Banca Popolare di Fondi as the source of the money, while a cheaper service handles the conversion.

Euro transfers to Banca Popolare di Fondi: is a BIC needed?

Italy belongs to the SEPA area. When you send euros from another SEPA country, the IBAN is usually enough.

Outside the euro and from non-SEPA countries, POFOIT3FXXX or POFOIT3F is still part of the payment details. Some banks and apps also ask for the BIC; if so, fill in POFOIT3F or POFOIT3FXXX.

Euro payments within SEPA normally land within one business day. As long as no currency is converted, the transfer is cheap.

Before you send: check the Banca Popolare di Fondi code

Have the recipient copy their account details directly from a recent statement. If the code you have does not match POFOIT3F or POFOIT3FXXX, do not guess: check with the recipient or with Banca Popolare di Fondi directly.

With a wrong code, the transfer may get stuck, bounce back or cost extra. Remember the IBAN: an error there can be harder to correct than a wrong BIC.

A format check by your bank merely confirms that the IBAN is valid. If your bank offers it, a payee name check before sending gives extra certainty. For a first payment, many people send a small test amount before sending the rest.

Choosing between the 21 SWIFT codes of Banca Popolare di Fondi

Banca Popolare di Fondi has 21 different SWIFT/BIC codes. One of them is the head office code, POFOIT3FXXX; the rest belong to branches.

If nobody asks you for a branch code, go with POFOIT3FXXX or its short form POFOIT3F. If you have been given a specific code, stick to it rather than swapping it for the head office code.

The safest approach is to take the code directly from the account holder’s statement. Branch codes are more prone to be retired than POFOIT3FXXX when a bank merges or closes offices.