Cassa di Risparmio di Asti SPA (Head Office) SWIFT/BIC code

Cassa di Risparmio di Asti SPA (Head Office) SWIFT code: CASRITA1

The 8-character code CASRITA1 and the full code CASRITA1XXX refer to one and the same institution: Cassa di Risparmio di Asti SPA (Head Office), with its head office in Asti. A BIC does one job: it ensures that an international payment reaches the right bank. It comes up mainly for payments that cross a border or a currency.

Further down we go through the practical side: money coming in from abroad, paying someone in another country and how to verify the code before you confirm a payment. Keep in mind that the BIC just identifies the bank, not the person: the account number or IBAN takes care of that.

Changed bank details? Be careful

Stay alert if someone unexpectedly wants you to send money to another account or a bank in another country. A correct SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Never rely on contact details in the same message that contains the change. Pressure or requests to keep it quiet are red flags – a real supplier can wait a day. If a payment was sent to a fraudster, call your bank right away.

People receiving money can be targeted as well: a classic trick is an overpayment and then sends a request to send back the difference. A screenshot of a transfer is no proof; only your own account shows what has arrived.

How up to date is this code?

The details on this page come from publicly available data that we update regularly. Still, banks merge or change codes and our data may lag behind. Figures such as the number of codes come from our own dataset and are not confirmed by Cassa di Risparmio di Asti SPA (Head Office).

Treat our directory here as a helpful check and rely on the recipient or Cassa di Risparmio di Asti SPA (Head Office) for the final confirmation. GoldexPay is independent of Cassa di Risparmio di Asti SPA (Head Office). Should you notice something that is out of date, we welcome a short note via the contact page.

Why Cassa di Risparmio di Asti SPA (Head Office) has an 8- and an 11-character code

Each SWIFT/BIC code has the same eight core characters: a four-letter bank code, a two-letter country code and two characters for the location. Together, those parts form CASRITA1, the code most people search for.

Most banks and apps accept either length. If yours asks for eleven characters, use CASRITA1XXX, otherwise CASRITA1 is fine.

As a rule the code is typed in capitals and without spaces. Watch for O versus 0 and the letter I and the digit 1.

Sending money abroad from Cassa di Risparmio di Asti SPA (Head Office)

An international bank payment can cost more than the listed fee. There is the transfer fee, sometimes fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate if the currency changes.

Many banks do not show their exchange rate markup separately. Check their rate with the mid-market rate; the gap is what conversion costs you.

Specialist money transfer services often offer rates closer to the mid-market rate with clearer fees. On GoldexPay we compare the amount that arrives with different services. You can always use your account at Cassa di Risparmio di Asti SPA (Head Office) as the source of the money.

What to give a sender who pays you at Cassa di Risparmio di Asti SPA (Head Office)

When you expect a payment from another country, send the payer a complete set of details. Give them your name as the bank knows it, your account number or IBAN, the BIC CASRITA1XXX and your address, which some banks require.

It helps to include the bank name and Asti too, because some payment forms have separate fields for them. A typo in your account number is more trouble than you might think.

Money from abroad will not always land for the full amount. Charges on incoming payments differ from bank to bank – the price list of Cassa di Risparmio di Asti SPA (Head Office) tells you what applies. Agree with the sender who pays which costs.

When will the money arrive at Cassa di Risparmio di Asti SPA (Head Office)?

There is no fixed delivery time for every transfer: some land within a day, others take several business days. Payments made late in the day or just before a weekend or public holiday often go out the next business day. Compliance checks by one of the banks may also add some delay, regardless of the details.

When a payment takes longer than expected, contact the sending bank for the status so they can trace it along the chain. Money transfer services often show tracking online showing where the money has got.

If the money does not arrive within the expected time, the person who paid needs to contact their own bank rather than Cassa di Risparmio di Asti SPA (Head Office). On the receiving end, it helps to check your account to see a partial amount.

Paying Cassa di Risparmio di Asti SPA (Head Office) in euros within SEPA

Since Italy is in the SEPA zone, a euro payment to Cassa di Risparmio di Asti SPA (Head Office) from within the SEPA area normally only needs the IBAN. Most banking apps no longer ask for the BIC for these payments or fill it in for you.

You will still need CASRITA1XXX for non-euro payments or money from outside the SEPA area. Some forms still show a field for the BIC; if so, fill in CASRITA1.

SEPA transfers usually arrive by the next business day, and instant transfers in seconds where both banks support them. Fees for SEPA transfers tend to be low as long as everything stays in euros.

Verifying the SWIFT code of Cassa di Risparmio di Asti SPA (Head Office)

The safest source for the BIC is the recipient’s own bank details. If the code you have does not match CASRITA1 or CASRITA1XXX, do not guess: check with the recipient or with Cassa di Risparmio di Asti SPA (Head Office) directly.

With a wrong code, the transfer might get stuck, bounce back or end up costing more. Do not forget the account number: a mistake there can be harder to correct than a wrong BIC.

Many banking apps validate the format of IBANs, but that does not prove the account belongs to the right person. Where available, a payee name check before sending gives extra certainty. For a first payment, some people start with a small amount first.

Euro (EUR) and conversion costs

The local currency of Italy is the Euro (EUR). A payment in a foreign currency will be converted into EUR before it reaches the account. There is rarely a separate charge for that conversion.

Who does the conversion has an effect on how much arrives. Check how much EUR the recipient gets with different services; the difference between options can be larger than you expect.

The rate for EUR changes constantly. With bigger transfers, even seemingly small difference in the rate adds up quickly.

Cassa di Risparmio di Asti SPA (Head Office): head office code versus branch codes

Cassa di Risparmio di Asti SPA (Head Office) uses 7 different SWIFT/BIC codes. One of them is the head office code; the others belong to branches or departments, and sometimes specific services.

Unless the recipient tells you otherwise, go with CASRITA1XXX or its short form CASRITA1. A branch code only makes sense if the account holder specifically asks for it.

If you are not sure, check with the recipient for the exact BIC in their bank details. Codes for branches are more prone to change than CASRITA1XXX.