Banca Sella S.p.a SWIFT/BIC code

Banca Sella S.p.a SWIFT code: BCALIT22

The 8-character code BCALIT22 and the full code BCALIT22XXX identify the same bank: Banca Sella S.p.a, with its head office in Biella. Every bank on the SWIFT network uses BIC codes to direct payments between countries to the correct bank. It comes up mainly for payments that cross a border.

We wrote this page to help anyone who pays into an account at Banca Sella S.p.a and wants to get the details right. Remember that the BIC only identifies the bank, not the account: the account number or IBAN does that part.

Watch out for payment fraud

One of the most common tricks works like this: an email arrives with a message saying that a supplier now has new bank details and that the next payment should go there. That BCALIT22 is a real code is no guarantee that a request mentioning it is genuine.

Verify new bank details through a separate channel like a call to a number from an earlier contract, never via the email that asked for the change. Be suspicious of urgent requests, unusual wording or a sender address that is slightly off. If money was sent to a fraudster, call your bank right away – speed improves the chance of getting it back.

Recipients can be targeted as well: a classic trick is a buyer who pays too much followed by a request to refund the difference. A screenshot of a transfer is no proof.

The Euro and what conversion costs you

Accounts at Banca Sella S.p.a are typically held in EUR, the national currency of Italy. Money sent in a different currency is converted into EUR on its way to Banca Sella S.p.a. Every conversion eats into something.

Who does the conversion has an effect on how much arrives. Compare how much EUR the recipient gets with different providers.

The EUR rate changes throughout the day. With bigger transfers, a seemingly small gap in the rate adds up quickly.

How long does an international transfer to Banca Sella S.p.a take?

How fast a payment arrives at Banca Sella S.p.a depends on several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Bank holidays in either country add a day or more to the journey. Extra checks on larger or unusual payments can also add a delay, even when all details are correct.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each payment carries a unique transaction reference, the UETR that banks can use to trace it. Money transfer services usually provide tracking online showing where the payment is.

If the money does not arrive within the expected time, the sender should contact the bank that sent it. On the receiving end, you can look at your statements to see a slightly lower amount, since fees may have been deducted.

Head office or branch code at Banca Sella S.p.a?

Having 2 codes in 1 cities, Banca Sella S.p.a belongs to the banks that register separate codes for parts of the organisation. The head office code is BCALIT22XXX.

Unless the recipient tells you otherwise, go with BCALIT22XXX or its short form BCALIT22. A branch code only makes sense if the recipient’s bank explicitly mentions it.

Not sure which code applies? Ask the recipient. Codes are sometimes changed or retired when banks reorganise.

What a transfer from Banca Sella S.p.a abroad really costs

What you pay for an international transfer is made up of more than one component. You pay the fee for the transfer itself, possibly fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate if the currency changes.

Banks rarely show their exchange rate markup separately, but you pay it all the same. Compare their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

Specialist money transfer services frequently use rates closer to the mid-market rate with clearer fees. GoldexPay compares the amount that arrives across services. Using a transfer service does not require closing your account at Banca Sella S.p.a.

Paying Banca Sella S.p.a in euros within SEPA

Inside SEPA, euro payments to an account in Italy follow the same rules and in most cases need only the IBAN. A field for the BIC is often optional in that case.

The BIC does come into play for payments in other currencies. A few forms also ask for the BIC out of habit; in that case, fill in BCALIT22.

SEPA transfers normally land by the next business day; instant payments are faster if both banks offer them. As long as the payment stays in euros, the transfer tends to be cheap; costs rise once a conversion is involved.

What the XXX in BCALIT22XXX means

The structure of a BIC never changes: a bank code of four letters, two for the country and a two-character location code, plus an optional branch code. For Banca Sella S.p.a, that core is BCALIT22.

The 11-character version has three more characters that identify a branch or department. If the last three are XXX, they simply mean the head office.

Type the code as one block, in upper case and without separators, exactly as shown here. Pasting the code is safer than retyping it.

Incoming international payments to Banca Sella S.p.a

Someone abroad who wants to pay you will ask for several details from you, and missing ones are a common cause of delays. Give them your name as the bank knows it, the IBAN or account number, the BIC BCALIT22XXX and your address.

It helps to include Banca Sella S.p.a and Biella too. Double-check every detail before you send them – a sender rarely spots a mistake in someone else’s details.

Do not be surprised if the amount credited is below what the sender paid. Charges on incoming payments vary per bank. Make clear with the sender who covers the fees, especially for larger amounts.

About this information

We collect SWIFT/BIC codes from publicly available data and check them from time to time. Still, banks merge, rename themselves or change codes. The figures on this page reflect our own data and not on information from Banca Sella S.p.a itself.

Treat this page as a reference, not as the final word – the bank details from the recipient are leading. GoldexPay is independent of Banca Sella S.p.a; we are a comparison site for money transfers. Found an error? Tell us through the contact page.

Before you send: check the Banca Sella S.p.a code

Have the recipient copy the account details directly from their online banking. Compare it against BCALIT22 here.

Errors in the SWIFT code are annoying more than disastrous – usually the money comes back, minus fees and time lost. Do not forget the account number: an error there can be more difficult to correct than a wrong code.

A validity check by your bank merely tells you that the code exists. If your bank offers it, a name check on the recipient adds extra certainty. Sending a small amount first can be a sensible step for a large first payment, even if it costs an extra fee.