Cassa di Risparmio di Asti S.P.A. SWIFT/BIC code

Cassa di Risparmio di Asti S.P.A. SWIFT code: CASRITA1

Whether you are given CASRITA1 or CASRITA1086, it is the same address for Cassa di Risparmio di Asti S.P.A. in Italy. The code does one job: it ensures that money from abroad reaches the right bank. In practice you usually see it on international invoices, in your banking app and on the account details that Cassa di Risparmio di Asti S.P.A. provides.

We wrote this page to help people who sends money to an account at Cassa di Risparmio di Asti S.P.A. and wants to get the details right. The SWIFT code on its own does not identify an individual account holder; for that you need the IBAN or account number .

Verifying the SWIFT code of Cassa di Risparmio di Asti S.P.A.

The safest source for a SWIFT code is the bank details provided by the recipient: an invoice, a bank statement or their online banking. Check it against CASRITA1 here and ask if anything does not match.

An incorrect BIC can cause a delay, a returned payment or extra fees along the way. Remember the IBAN: a mistake there can be more difficult to undo than a wrong BIC.

Most online banking apps validate the format of an IBAN, but that does not prove the account belongs to the right person. Where available, a name check on the recipient adds extra certainty. A small test payment is worth it for large sums despite the extra fee.

Receiving money from abroad at Cassa di Risparmio di Asti S.P.A.

When you are waiting for a payment from another country, give the sender all details at once. Share your name as the bank knows it, your account number or IBAN, the BIC CASRITA1086 and your address.

It helps to include Cassa di Risparmio di Asti S.P.A. and Acqui Terme too, since some forms ask for it. Double-check every detail before you share them.

Expect that the amount credited is smaller than what the sender paid. Correspondent banks can take a fee and your own bank may charge for processing, and when currencies differ, an exchange rate margin applies. On invoices, you can state who bears the costs.

8 or 11 characters: CASRITA1 versus CASRITA1086

A BIC is made up of a few fixed parts: characters one to four stand for the bank, the next two give the country and characters seven and eight mark the location. Combined, these eight characters form CASRITA1, the code most people search for.

Most payment forms work with either length. If a form asks for eleven characters, use CASRITA1086.

Leave out spaces when you enter CASRITA1 or CASRITA1086. A single letter may route the money to a different institution, so copy it carefully.

Do you need CASRITA1 for a SEPA transfer?

Italy is a member of the SEPA area. When you send euros from another SEPA country, the IBAN is usually enough and the BIC is often filled in automatically.

A SWIFT code like CASRITA1 does come into play when the currency is not euros, and for transfers from outside SEPA. If your banking app has a field for the BIC regardless, entering CASRITA1 does no harm.

Instant payments in euros have become increasingly supported across SEPA – whether Cassa di Risparmio di Asti S.P.A. offers them for your account is worth checking. Charges on SEPA payments tend to be low, as long as no currency conversion is involved.

International transfers from Cassa di Risparmio di Asti S.P.A.: the real cost

An international bank payment can cost more than the fee suggests. You pay the transfer fee, possibly fees charged by intermediary banks in between and, most importantly, the exchange rate markup.

The real cost is often in the rate, rather than in the fee: the bank converts using an exchange rate with a margin built in. A simple test: put the rate you get next to the mid-market rate for the same moment and work out the difference on your amount.

Specialised transfer providers often offer rates closer to the mid-market rate and lower fees. GoldexPay compares the amount that arrives with different services. You can always keep your account at Cassa di Risparmio di Asti S.P.A. as the source of the money; only the conversion and sending happen elsewhere.

Sending EUR to Cassa di Risparmio di Asti S.P.A.

Most accounts at Cassa di Risparmio di Asti S.P.A. are typically held in EUR, the national currency. A payment in a foreign currency is exchanged into EUR before it reaches the account, and whoever converts it chooses the rate. Each conversion costs the amount.

Who does the conversion has an effect on how much arrives, since every bank sets its own rate. Check what EUR arrives with different services; the difference between options can be larger than you expect.

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.

Protect yourself against fake payment requests

Be wary if a contact suddenly wants you to send money to a different account. A real SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Always verify a change of bank details through a phone call. Be suspicious of time pressure, unusual wording or a sender address that is slightly off. Acted too fast? Call your bank without delay and ask them to start a recall; also report it to the police.

Recipients are targeted too: one known trick is an overpayment and then sends a request to refund the difference. Wait until the money is actually in your account and check with Cassa di Risparmio di Asti S.P.A. if anything seems off.

Which of the 127 codes of Cassa di Risparmio di Asti S.P.A. do you need?

Cassa di Risparmio di Asti S.P.A. uses 127 different SWIFT/BIC codes. One of them is the head office code, CASRITA1086; the rest identify branches.

For the vast majority of payments to a private or business account, the head office code CASRITA1086 works fine. If you have been given a specific code, use it as it is rather than replacing it for the head office code.

The best way is to take the code straight from the recipient’s bank details. Branch codes are more likely to be retired than CASRITA1086 when a bank merges or closes offices.

Where our SWIFT data comes from

We gather SWIFT/BIC codes from publicly available data and update them regularly. It is possible that a code here is out of date after a merger or reorganisation. The figures on this page reflect our own data, not official figures from Cassa di Risparmio di Asti S.P.A..

For any payment of any size, always check the BIC with the recipient’s bank or the recipient. GoldexPay has no connection to Cassa di Risparmio di Asti S.P.A., we only compare transfer services. If you notice something that is out of date, we appreciate a message via the contact page.

Tracking a transfer to or from Cassa di Risparmio di Asti S.P.A.

A SWIFT payment typically needs one to a few business days – it depends on currency, route and the banks in between. Bank holidays in either country add extra days, since banks do not process on those days. Extra checks on larger or unusual payments may also add a delay.

When a payment takes longer than expected, ask the sending bank about the status and the transaction reference so they can trace it along the chain. Specialist transfer services often show a status in their app so you can see where the money has got.

A delayed transfer is investigated from the sending side on the basis of the transfer details. As a recipient, it helps to check your account for a partial amount.