Banca Popolare Sant'angelo SWIFT/BIC code

What PSANIT3P means for a payment to Banca Popolare Sant'angelo

PSANIT3P and PSANIT3PXXX are two spellings of the same bank identifier, and both lead to Banca Popolare Sant'angelo in Licata. Banks worldwide use these codes to direct payments between countries to the right institution. You will need it mostly for transfers between countries.

This page is meant to help anyone who pays into an account at Banca Popolare Sant'angelo. A SWIFT code names an institution, not a single account.

What a transfer from Banca Popolare Sant'angelo abroad really costs

A bank transfer abroad costs rather more than the listed fee. You pay the fee for the transfer itself, sometimes fees charged by intermediary banks along the way and, most importantly, the exchange rate markup.

Many banks do not list their exchange rate markup as a cost. Compare the rate you are offered with the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

For a lot of currency pairs, a transfer service is less expensive than a traditional bank transfer – mostly thanks to the rate. GoldexPay lists these services side by side, showing the amount the recipient gets for the same amount sent. You can always use your account at Banca Popolare Sant'angelo as the source of the money; only the conversion and sending happen elsewhere.

Tracking a transfer to or from Banca Popolare Sant'angelo

There is no fixed delivery time: many land within a day. Transfers sent after the cut-off time or on weekends and holidays usually go out the next business day. Sometimes a bank asks what the payment is for, which can hold things up.

Many banks use SWIFT gpi for faster and traceable payments. Every payment gets a unique reference, the UETR, which your bank can use to see where the money is. Specialist transfer services usually show a status in their app so you can see where the money has got.

If a payment has not arrived after a few business days, the sender needs to start with their own bank rather than Banca Popolare Sant'angelo. Request from the sender a copy of the payment confirmation with the date and reference; that often settles the question quickly.

Incoming international payments to Banca Popolare Sant'angelo

For a transfer from abroad at Banca Popolare Sant'angelo, the sender needs more than the BIC. Share the account holder’s name, the IBAN or account number, the BIC PSANIT3PXXX and your address.

Certain sending banks want the bank’s address in Licata. A mistake in the IBAN is more trouble than it looks; copy them from your banking app rather than typing.

Expect that the amount credited is below what the sender paid. Charges on incoming payments differ per bank; check the price list of Banca Popolare Sant'angelo. Agree with the sender who covers the fees before the money is sent.

Scams that use SWIFT codes

Criminals regularly use fake invoices with new bank details. The fact that PSANIT3P exists does not mean that the account is legitimate; criminals use the codes of real banks too.

Check new payment details via a different channel. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. Acted too fast? Call the bank you paid from straight away and have them start a recall.

Fraud can also target the receiver: someone sends too much and wants you to return the extra. Do not act before the money has really arrived.

8 or 11 characters: PSANIT3P versus PSANIT3PXXX

Every SWIFT/BIC code has an 8-character core: a four-letter bank code, a two-letter country code and a two-character location code. The result is PSANIT3P for Banca Popolare Sant'angelo.

XXX at the end of PSANIT3PXXX does not stand for a missing value or an error: it indicates the main office of Banca Popolare Sant'angelo. Some banking apps ask for 11 characters, and then you simply enter XXX after PSANIT3P.

Leave out spaces or dashes when you enter PSANIT3P or PSANIT3PXXX. A single letter can send a payment to another bank.

Banca Popolare Sant'angelo: head office code versus branch codes

With 85 codes, Banca Popolare Sant'angelo is one of the banks that use individual codes for branches and departments. The head office code remains PSANIT3PXXX.

In most cases there is no need to look up a branch: payments sent to PSANIT3PXXX are routed within Banca Popolare Sant'angelo without problems. A branch code only makes sense when the recipient’s bank explicitly asks for it, which is more common for business accounts and specialised services.

If you are not sure, check with the recipient for the exact BIC in their bank details. Branch codes are more likely to change than PSANIT3PXXX.

SEPA payments and the Banca Popolare Sant'angelo BIC

Italy is part of the Single Euro Payments Area (SEPA), the zone for uniform euro payments. When you send euros within SEPA, the IBAN is usually enough; many banks no longer ask for the BIC.

You still need PSANIT3PXXX when sending non-euro payments or money from outside the SEPA area. If your banking app asks for the BIC anyway, adding PSANIT3P does no harm.

SEPA transfers usually arrive by the next business day, and instant transfers in seconds where both banks support them. Provided the payment stays in euros, the transfer tends to be cheap; costs rise once a conversion is involved.

Euro (EUR) and conversion costs

Italy uses the Euro. Money sent in a different currency is converted into EUR, and whoever converts it chooses the rate. You rarely see a separate line for that conversion.

Where the conversion happens affects the final amount, since every bank sets its own rate. Check what EUR arrives via different services; the difference between options can be larger than you expect.

The EUR rate changes throughout the day and quotes are often valid only for a short time. If you pay regularly, small differences in the rate add up over time.

Before you send: check the Banca Popolare Sant'angelo code

The best place to find the right code remains a document from the bank itself. Check it against PSANIT3P on this page.

An incorrect BIC may lead to delays, a payment being sent back or additional charges. Do not forget the IBAN: a mistake there is more difficult to correct than a wrong BIC.

An automatic check in your banking app merely confirms that the IBAN exists. Some banks now compare the payee name with the account; take any warning seriously. When you pay someone new, some people send a small amount first and wait for confirmation.

A note on our data

We collect SWIFT/BIC codes using publicly available data and update our list regularly. Institutions reorganise, close branches and change codes. The number of codes on this page are based on what is in our directory.

Treat our data as a starting point, not as the final word – the bank details from the recipient are leading. GoldexPay is not affiliated with Banca Popolare Sant'angelo; we are a comparison site for money transfers. If you notice a mistake, we welcome a message.