Banco di Sardegna SPA SWIFT/BIC code

Banco di Sardegna SPA SWIFT code: SARDIT31

If an invoice shows SARDIT31 or SARDIT31XXX, you are looking at the same address for Banco di Sardegna SPA in Italy. Every bank on the SWIFT network uses BIC codes to direct payments between countries to the correct institution. In practice you mostly come across it on international invoices, in your banking app and in the bank details that Banco di Sardegna SPA provides.

On this page you can read how the code is put together, when it matters and which other details a transfer to or from Banco di Sardegna SPA requires. The SWIFT code on its own cannot identify a personal account; for that you need the IBAN or account number .

Paying into Banco di Sardegna SPA in EUR

Italy uses the Euro (EUR). When you pay another currency, the amount has to be converted somewhere along the way. There is rarely a separate charge for that conversion.

Who converts the money matters. Often it is cheaper to send EUR straight away via a transfer service with a good rate.

The rate for EUR changes constantly and quotes are often valid only for a short time. With bigger transfers, a seemingly small difference in the rate adds up quickly.

How up to date is this code?

This directory draws on public sources and we update it periodically. It is possible that information on this page is no longer current, for example after a merger. Counts and locations come from our own dataset and are not confirmed by Banco di Sardegna SPA.

Treat our directory here as a helpful check. GoldexPay is independent of Banco di Sardegna SPA; we are a comparison site for money transfers. If you notice a mistake, we welcome a short note via the contact page.

What a transfer from Banco di Sardegna SPA abroad really costs

An international bank payment can cost more than the fee suggests. You pay the transfer fee, possibly charges from correspondent banks in between and, most importantly, the margin on the exchange rate when the money is converted.

That exchange rate margin is often the biggest item because it is hidden in the rate. An easy check: set the rate you get against the mid-market rate and look at the difference.

For a lot of currency pairs, a transfer service turns out to be cheaper than a bank – mostly thanks to the rate. Next time you send money, take a minute comparing what arrives via GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not require leaving Banco di Sardegna SPA.

SEPA payments and the Banco di Sardegna SPA BIC

Since Italy is part of SEPA, a euro payment into Banco di Sardegna SPA from another SEPA country normally requires just an IBAN. Many banks do not require the BIC in that case or fill it in for you.

A SWIFT code like SARDIT31 still come into play when the currency is not euros and when the money comes from outside SEPA. If a payment form has a field for the BIC anyway, entering SARDIT31 does no harm.

SEPA transfers normally land within one business day. Charges on SEPA payments are generally low as long as everything stays in euros.

Transfer times and tracking a payment to Banco di Sardegna SPA

There is no single answer for every transfer: some land the same day or the next. Transfers sent late in the day or just before weekends and holidays often start the next business day. Compliance checks on larger or unusual payments can also cause some delay, even when all details are correct.

If the money seems late, contact the sending bank about the status so they can trace it along the chain. Keep your transfer receipt until the money has arrived.

If the money does not arrive after a few business days, the person who paid should start with the bank that sent it rather than Banco di Sardegna SPA. As a recipient, it helps to check your account for a slightly lower amount because fees can reduce the amount.

Banco di Sardegna SPA: head office code versus branch codes

Having 27 codes in 26 locations, Banco di Sardegna SPA belongs to the banks that register individual codes for parts of the organisation and departments. The head office code remains SARDIT31XXX.

For most incoming transfers, the head office code SARDIT31XXX works fine. Branch codes are only needed when the recipient’s bank explicitly mentions it.

When in doubt, ask the person you are paying which code their bank gave them. Branch codes are more likely to be retired than the head office code when a bank merges or closes offices.

How to check SARDIT31 before you pay

The most reliable place for the right code remains a document from the bank itself, such as a statement or the account details in online banking. Compare that code against SARDIT31 here.

With a wrong code, the payment might get stuck, be returned or cost extra – sometimes after weeks of searching. A mistake in the IBAN or account number is more serious because it can reach the wrong person; check it just as carefully.

Many banking apps check the format of IBANs and some suggest the matching BIC – that confirms the format, not the owner. Some banks now check the name against the account before you confirm. Sending a small amount first can be a sensible step for a large first payment.

Receiving money from abroad at Banco di Sardegna SPA

To receive a transfer from abroad at Banco di Sardegna SPA, the sender has to have more than the BIC. Give them the account holder’s name, your account number or IBAN, the BIC SARDIT31XXX and your address.

It helps to add Banco di Sardegna SPA and its city too. Double-check the details before you send them, because the sender’s bank usually copies them as is.

Money from abroad will not always land in full. Correspondent banks can take a fee, Banco di Sardegna SPA may charge for incoming payments, and when currencies differ, a markup on the rate comes on top. For business payments, you can agree who bears the costs to avoid a shortfall.

Protect yourself against fake payment requests

A common scam works like this: you receive a message saying that a company now has new bank details and that the next payment should go there. A real SWIFT code tells you nothing about who owns the account.

Check 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. Pressure and requests to keep it quiet tend to be warning signs; a genuine business can wait for you to check. If money was sent to a fraudster, call your bank right away – speed improves the chance of getting it back.

Fraud also work the other way: someone sends too much and wants you to refund the extra via a different route. Wait until the money has really arrived – ask Banco di Sardegna SPA if something looks wrong.

SARDIT31 or SARDIT31XXX – which one to use?

A BIC is built from fixed blocks: the first four letters identify the bank, the next two give the country and characters seven and eight mark the location. Combined, those parts make up SARDIT31.

The 11-character version adds a three-character extension for a branch or department. When those three characters are XXX, the code points to the head office, which is why SARDIT31XXX and SARDIT31 lead to the same place.

Do not add spaces or dashes when you type SARDIT31 or SARDIT31XXX. Copying the code is safer than typing it by hand, because one wrong letter changes the bank.