Cassa di Risparmio di Cento SPA SWIFT/BIC code

Cassa di Risparmio di Cento SPA SWIFT code: CRCEIT21

The short code CRCEIT21 and the full code CRCEIT21037 refer to the same bank: Cassa di Risparmio di Cento SPA, with its head office in Bologna. Every bank on the SWIFT network uses BIC codes to route payments between countries to the right bank. It comes up mostly when dealing with payments that cross a border and payments in foreign currencies.

This page is meant to help anyone who sends money to an account at Cassa di Risparmio di Cento SPA. The SWIFT code on its own does not identify a personal account; for that you need the account number or IBAN is for.

International transfers from Cassa di Risparmio di Cento SPA: the real cost

When you send money abroad through Cassa di Risparmio di Cento SPA, the visible fee is rarely all of the cost. On top of the transfer fee, banks in between can take a cut, and when currencies are converted, the bank often applies a rate below the real market rate.

That exchange rate margin is often the largest cost because it is hidden in the rate. Check the rate you are offered against the mid-market rate. The difference is your real conversion cost.

Specialist money transfer services frequently offer a rate near the mid-market rate. GoldexPay compares transfer providers side by side so you can see the amount the recipient gets for the same amount sent. Choosing a specialist does not mean leaving Cassa di Risparmio di Cento SPA – you pay the provider from your own account.

Cassa di Risparmio di Cento SPA: head office code versus branch codes

Cassa di Risparmio di Cento SPA has 47 separate SWIFT/BIC codes across 37 locations. Only one is the head office code; the others identify branches or departments, and sometimes specific services.

If nobody asks you for a branch code, use CRCEIT21037. Only use a branch code when the account holder gives you that exact code, for example on a letter or invoice.

Not sure which code applies? Ask the recipient, or look at a recent statement from Cassa di Risparmio di Cento SPA. Codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

Paying Cassa di Risparmio di Cento SPA in euros within SEPA

Since Italy is part of the SEPA zone, a euro transfer to Cassa di Risparmio di Cento SPA from another SEPA country normally requires just an IBAN. Most banking apps no longer ask for the BIC for these payments or fill it in for you.

You will still need CRCEIT21037 when sending non-euro payments or money from outside the SEPA area. If a payment form asks for the BIC anyway, entering CRCEIT21 is fine.

Instant payments in euros have become widely available within SEPA. As long as the payment stays in euros, a SEPA transfer tends to be cheap.

Before you send: check the Cassa di Risparmio di Cento SPA code

Ask the recipient to copy their account details directly from a recent statement. When the code you were given does not match CRCEIT21 or CRCEIT21037, stop and ask: check with the recipient or with Cassa di Risparmio di Cento SPA directly.

If the code is wrong, the payment may be delayed, bounce back or end up costing more, and tracing it can take weeks. Do not forget the account number: a mistake there can be more difficult to correct than a wrong BIC.

Many banking apps check the format of IBANs, but that does not prove the account belongs to the right person. If your bank offers it, a name check on the recipient gives extra certainty. For a first payment, some people start with a small test amount.

A note on our data

The codes on this page come from publicly available data that we update regularly. It can happen that a code on this page is out of date. Counts and locations are from our directory and are not confirmed by Cassa di Risparmio di Cento SPA.

See the information here as a handy check. GoldexPay is independent of Cassa di Risparmio di Cento SPA. Found an error? Let us know through the contact page.

Euro (EUR) and conversion costs

Italy uses the Euro, with the currency code EUR. When you pay another currency gets converted at some point – by your bank, by Cassa di Risparmio di Cento SPA or by a bank in between. There is rarely a separate charge for the conversion.

Which bank converts the payment matters: every bank has its own margin. Check how much EUR the recipient gets via different providers before choosing one.

Rates for EUR change all the time – some services let you fix a rate in advance. On larger amounts, a small difference in the rate adds up quickly.

Transfer times and tracking a payment to Cassa di Risparmio di Cento SPA

There is no single delivery time: many land the same day or the next, others take several business days. Bank holidays in the sending or receiving country can add a day or more. Compliance checks on larger or unusual payments may also add a delay, even when all details are correct.

If the money seems delayed, ask the sending bank for the tracking status or the UETR. Specialist transfer services usually provide tracking in their app showing how far the payment has got.

A missing payment has to be investigated by the sending bank, using the payment confirmation. Ask the sender for the payment receipt – it helps your own bank look for the money.

Watch out for payment fraud

Be wary when a contact suddenly wants you to send money to another account or a bank in another country. A correct SWIFT code says nothing about whether the request is genuine.

Always verify changed bank details through a phone call on a number you know, not one from the message. Be suspicious of urgent requests, unusual wording or a sender address that is slightly off. If a payment has already gone to a fraudster, contact your bank immediately.

Recipients are targeted too: a classic trick is an overpayment followed by a request to send back the difference. A screenshot of a transfer proves nothing – check your own account.

Receiving money from abroad at Cassa di Risparmio di Cento SPA

Someone abroad who wants to pay you needs several details about your account – incomplete details often cause delays. That means: your full name exactly as it appears on the account, your IBAN or account number, the BIC CRCEIT21037 and sometimes your address.

Certain banks also ask for the bank’s address in Bologna. A typo in your account number can be more trouble than it looks; copy them from your banking app rather than typing.

An incoming payment does not always land in full. Fees for incoming transfers vary per bank; check the price list of Cassa di Risparmio di Cento SPA. On invoices, you can state how the fees are split, so that nobody is left short.

What the XXX in CRCEIT21037 means

The layout of a BIC is always the same: a bank code of four letters, two for the country and two for the location, plus an optional branch code. Together, these eight characters form CRCEIT21, the code most people search for.

Most banks and apps accept either length. If a form asks for eleven characters, use CRCEIT21037; if it wants eight, use CRCEIT21.

Type the code as one block, in upper case and without separators. Pasting the code is safer than retyping it, because one wrong letter changes the bank.