Cassa di Risparmio di Asti SPA SWIFT/BIC code

SWIFT/BIC code of Cassa di Risparmio di Asti SPA

CASRIT22 and CASRIT22XXX are two ways of writing the same SWIFT/BIC code, and both point to Cassa di Risparmio di Asti SPA in Asti. A BIC has a single purpose: it ensures that money from abroad reaches the right bank. It comes up mostly when dealing with transfers between countries and payments in foreign currencies.

On this page we explain what the code is put together, when it matters and which other details you need for a transfer to or from Cassa di Risparmio di Asti SPA. Keep in mind that the BIC only identifies the bank, not the person: the IBAN or account number takes care of that.

Euro transfers to Cassa di Risparmio di Asti SPA: is a BIC needed?

Because Italy is part of SEPA, a euro payment into Cassa di Risparmio di Asti SPA from another SEPA country usually requires just an IBAN. Many banks do not require the BIC for these payments.

A SWIFT code like CASRIT22 still matter when the currency is not euros and when the money comes from outside SEPA. Some forms still show a field for the BIC; if so, fill in CASRIT22 or CASRIT22XXX.

Instant payments in euros are increasingly available within SEPA; check with Cassa di Risparmio di Asti SPA whether it applies to your account. Fees for SEPA payments tend to be low, as long as no currency conversion is involved.

Scams that use SWIFT codes

Scammers often use payment requests with new bank details, sometimes in an email that looks completely genuine. A correct SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Do not trust a phone number from the same email that announces the new account. Pressure and secrecy are red flags – a real supplier can wait a day. Already paid? Contact your bank without delay and ask them to start a recall.

Scams also target the receiver: someone claims to have sent more than agreed and wants you to return the difference. Wait until the money is actually in your account and check with Cassa di Risparmio di Asti SPA if anything seems off.

Sending money abroad from Cassa di Risparmio di Asti SPA

When you transfer money abroad via Cassa di Risparmio di Asti SPA, the fee you see is only part of what you pay. There is the fee for the transfer itself, sometimes charges from correspondent banks in between and, most importantly, the margin on the exchange rate if the currency changes.

Many banks rarely list the margin on the rate as a cost – you only notice it if you compare. An easy check: set the bank’s rate against the mid-market rate and look at the difference.

Money transfer services frequently offer rates closer to the mid-market rate with clearer fees. GoldexPay compares the amount that arrives across services, which makes the cheapest option easy to spot. You can still keep your account at Cassa di Risparmio di Asti SPA to fund the transfer.

Choosing between the 3 SWIFT codes of Cassa di Risparmio di Asti SPA

Having 3 codes, Cassa di Risparmio di Asti SPA belongs to the banks that register individual codes for parts of the organisation. The head office code is CASRIT22XXX.

If nobody asks you for a branch code, go with CASRIT22XXX. When you receive a branch code, use it as it is instead of replacing it with the head office code.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Codes can change over time, so a code from an old document is not always valid.

Euro (EUR) and conversion costs

Italy uses the Euro, with the currency code EUR. A payment in a foreign currency is exchanged into EUR. Every conversion eats into something, even when no fee is shown.

Where the conversion happens affects the final amount. Check what EUR the recipient gets with different providers before choosing one.

The EUR rate fluctuates throughout the day, so the amount you see is usually only valid for a short time. On larger amounts, even seemingly small difference in the rate can be worth more than the fee.

Where our SWIFT data comes from

Our SWIFT/BIC directory draws on publicly available sources. Still, banks merge, rename themselves or change codes, so information can be out of date. The figures we show are based on our own data.

See our directory here as a helpful check and rely on the recipient or Cassa di Risparmio di Asti SPA for the final confirmation. GoldexPay is not affiliated with Cassa di Risparmio di Asti SPA, we only compare transfer services. Spotted outdated information? Let us know via our contact form and we will look into it.

How long does an international transfer to Cassa di Risparmio di Asti SPA take?

There is no single answer: many land the same day or the next. Transfers sent after the cut-off time or on a weekend or public holiday often go out the next business day. Compliance checks on larger or unusual payments can also add some delay, regardless of the details.

If a transfer is late, ask your bank for the tracking status and the transaction reference; with that reference banks can see where the payment is. Keep your transfer receipt until the money has arrived.

If a payment has not arrived after a few business days, the person who paid should contact their own bank. On the receiving end, it helps to look at your account to see a partial amount because fees can reduce the amount.

What the XXX in CASRIT22XXX means

The structure of every SWIFT code never changes: four characters for the institution, a two-letter country code and two for the location, sometimes followed by a branch code. That gives you CASRIT22.

The full version has three more characters that identify a branch or department. When those three characters are XXX, the code points to the head office, which is why CASRIT22XXX and CASRIT22 lead to the same place.

Leave out spaces when you type CASRIT22; the code is always written in one block. A wrong character can send the money to another bank, so copy it carefully.

Verifying the SWIFT code of Cassa di Risparmio di Asti SPA

Ask the recipient to copy their bank details directly from their online banking. Check that code with CASRIT22 on this page.

If the code is wrong, the transfer may be delayed, bounce back or end up costing more – sometimes after weeks of searching. Do not forget the account number: an error there can be harder to correct than a wrong code.

Many banking apps validate the format of an IBAN and sometimes look up the BIC automatically – that confirms the format, not the owner. Where available, a name check on the recipient gives an extra layer of safety. When you pay someone new, some people start with a small amount first and wait for confirmation.

What to give a sender who pays you at Cassa di Risparmio di Asti SPA

If you are waiting for money from abroad, send the payer all details at once. Share the account holder’s name, the IBAN or account number, SWIFT code CASRIT22XXX and your address.

Certain sending banks want the name and address of Cassa di Risparmio di Asti SPA; it does no harm to include it. A mistake in the IBAN is harder to fix than it looks, so copy the details from your online banking.

The amount you receive can be lower than the amount sent. Fees for incoming transfers differ per bank – the price list of Cassa di Risparmio di Asti SPA tells you what applies. Agree with the sender who covers the fees.