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

Cassa di Risparmio di Cento S.P.A. SWIFT code: CRCEIT2C

Whether a recipient gives you CRCEIT2C or CRCEIT2CXXX, it is the same identifier for Cassa di Risparmio di Cento S.P.A. in Italy. A SWIFT code tells the sending bank which institution is meant to get the money, much like a postcode for banks. It comes up mainly when dealing with transfers between countries and payments in foreign currencies.

Below we go through the practical side: receiving money at Cassa di Risparmio di Cento S.P.A., paying someone in another country and how to check a SWIFT code before you confirm a payment. A SWIFT code names an institution, never a single account.

Before you send: check the Cassa di Risparmio di Cento S.P.A. code

The best place to find the right code remains paperwork issued by the bank like a bank statement or the account page in online banking. When the code you were given differs from CRCEIT2C or CRCEIT2CXXX, stop and ask – contact the recipient or Cassa di Risparmio di Cento S.P.A..

If the code is wrong, the transfer might be delayed, bounce back or end up costing more, and tracing it can take weeks. A mistake in the IBAN or account number is a bigger problem.

An automatic check in your banking app merely tells you that the code is valid. More and more banks compare the name against the account before you confirm; take any warning seriously. Sending a small amount first is worth it for a large first payment.

Getting paid from abroad into a Cassa di Risparmio di Cento S.P.A. account

Someone abroad who wants to pay you needs a few details about your account – incomplete details often cause delays. Give them your name as the bank knows it, the IBAN or account number, the BIC CRCEIT2CXXX and your address, which some banks require.

Certain banks want the address of Cassa di Risparmio di Cento S.P.A., so keep it at hand. Check the details before you send them, because the sender’s bank usually copies them as is.

An incoming payment will not always land for the full amount. Charges on incoming payments vary per bank. For business payments, you can agree how the fees are split.

Do you need CRCEIT2C for a SEPA transfer?

Italy is part of the SEPA area, where euro transfers follow common rules. When you send euros within SEPA, the IBAN is usually enough; many banks no longer ask for the BIC.

The BIC still matter when the currency is not euros. If a payment form has a field for the BIC anyway, entering CRCEIT2C is fine.

Euro payments within SEPA normally land by the next business day. Fees for SEPA payments are generally low as long as everything stays in euros.

Which of the 4 codes of Cassa di Risparmio di Cento S.P.A. do you need?

With 4 codes in 4 locations, Cassa di Risparmio di Cento S.P.A. belongs to the banks that use individual codes for branches. The head office code is CRCEIT2CXXX.

Usually you do not need to look up a branch: transfers sent to CRCEIT2CXXX are routed within Cassa di Risparmio di Cento S.P.A. without problems. Branch codes are only needed if the recipient’s bank explicitly mentions it, which is more common for corporate accounts and trade services.

The best way is to take the code directly from the account holder’s statement. Codes for branches are more prone to change than CRCEIT2CXXX when a bank merges or closes offices.

Changed bank details? Be careful

Be alert when a contact unexpectedly asks you to pay into another account. A valid SWIFT code tells you nothing about whether the request is genuine.

Check new bank details via a separate channel, such as a phone number you already know, never via the email that asked for the change. Watch out for urgent requests, unusual wording or a sender address that is slightly off. When a payment has already gone to the wrong account, contact your bank immediately: the sooner they act, the better the chance of a recall.

People receiving money are targeted too: one known trick is a buyer who pays too much and then sends a request to send back the difference to another account. A screenshot of a transfer is no proof – check your own account.

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

Italy pays in the Euro, code EUR. When you pay another currency it has to be converted at some point – by your bank, by Cassa di Risparmio di Cento S.P.A. or by a bank in between. You rarely see a separate charge for that conversion.

Who does the conversion affects how much arrives, since every bank sets its own rate. Check what EUR arrives with several services.

The rate for EUR fluctuates constantly. For recurring payments, a slightly better rate add up over time.

8 or 11 characters: CRCEIT2C versus CRCEIT2CXXX

The layout of a BIC never changes: four characters for the institution, a two-letter country code and a two-character location code. In this case, the 8-character core is CRCEIT2C.

The 11-character version adds a three-character extension that identify a branch or department. If the last three are XXX, the code points to the head office, so CRCEIT2CXXX and CRCEIT2C are interchangeable.

Do not add spaces, dots when you enter CRCEIT2C. A single letter may route the money to another bank, so copy it carefully.

A note on our data

The details on this page come from public sources which we refresh regularly. Even so, banks merge or retire codes, so information can be out of date. Figures such as the number of codes come from our directory.

Treat our data as a reference, rather than as the final word – the bank details from the recipient are leading. GoldexPay has no connection to Cassa di Risparmio di Cento S.P.A.; we are a comparison site for money transfers. If you notice a mistake, we appreciate a message via the contact page.

What a transfer from Cassa di Risparmio di Cento S.P.A. abroad really costs

What you pay for an international transfer has several parts, and the transfer fee is only the most visible one. There is the fee for the transfer itself, possibly charges from correspondent banks along the way and, above all, the margin on the exchange rate.

The markup on the rate tends to be the biggest cost because it is hidden in the rate. A simple test: put the rate you get against the mid-market rate for the same moment and look at the difference.

For many routes, a specialist provider turns out to be less expensive than a traditional bank transfer, mainly because of the exchange rate. On GoldexPay we compare what recipients receive with different services, which makes the cheapest option easy to spot. Using a transfer service does not mean closing your account at Cassa di Risparmio di Cento S.P.A.: you simply pay the service from your account.

When will the money arrive at Cassa di Risparmio di Cento S.P.A.?

An international transfer typically needs anywhere from one to several business days. Transfers sent after the cut-off time or on weekends and holidays usually go out a business day later. Compliance checks on larger or unusual payments may also cause some delay, even when all details are correct.

When a payment takes longer than expected, contact your bank for the tracking status and the transaction reference so they can trace it along the chain. Keep your transfer receipt – you will need it for any trace request.

The bank that sent the money is able to start an official trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, you can check your account to see a partial amount because fees can reduce the amount.