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

CECRIT2C – the SWIFT/BIC code of Cassa di Risparmio di Cesena S.P.A.

If an invoice shows CECRIT2C or CECRIT2CXXX, you are looking at the identical identifier for Cassa di Risparmio di Cesena S.P.A. in Italy. A SWIFT code shows the sending bank exactly which bank should receive the money, much like a postcode for banks. In daily life you mostly come across the code on international invoices, in your banking app and on the account details of Cassa di Risparmio di Cesena S.P.A. customers.

On this page you will find what the code means, when you need it and which other details you need for a transfer to or from Cassa di Risparmio di Cesena S.P.A.. The SWIFT code alone cannot identify an individual account holder; for that you need the IBAN or account number .

CECRIT2C or CECRIT2CXXX – which one to use?

A BIC is built from fixed blocks: characters one to four stand for the bank, the next two give the country and characters seven and eight indicate the location. The result is CECRIT2C, the short form of the code.

The long version adds three more characters that identify a branch or department. If the last three are XXX, they simply mean the head office.

In practice the code is written in capitals, without spaces or dashes. A wrong character may route a payment to a different institution.

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

There is no fixed answer for international payments: some arrive within a day. Bank holidays in the sending or receiving country add extra days, since banks do not process on those days. Sometimes a bank wants to know about the purpose of a payment before releasing it.

A growing number of banks use SWIFT gpi. Every gpi transfer carries a unique reference, the UETR, which your bank can use to see where the money is. Save your transfer receipt until the money has arrived; it contains the details a bank needs to start a trace.

Only the sending bank is able to request a trace; the receiving side usually has nothing to trace yet. As a recipient, you can look at your account for a partial amount, since fees may have been deducted.

Scams that use SWIFT codes

A common scam goes like this: you receive a request claiming that a contact now has new bank details and that the next payment should go there. A valid SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Always confirm a change of bank details by phone, using a number you already had. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. Already paid? Contact your bank without delay and ask them to start a recall and report the fraud.

Fraud also target the receiver: someone claims to have sent more than agreed and wants you to refund the difference to a new account. A payment confirmation from the sender is no proof; only your own account shows what has arrived.

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

A sender in another country needs several details about your account – incomplete details often cause delays. Give them the account holder’s name, the IBAN or account number, the BIC CECRIT2CXXX and your address.

You can add the bank name and Cesena as well, because some payment forms have separate fields for them. Check the details before you share them – a sender rarely spots a mistake in someone else’s details.

Expect that the incoming amount is smaller than the amount on the sender’s receipt. Charges on incoming payments differ per bank. On invoices, you can agree who bears the costs to avoid a shortfall.

Paying someone abroad from your Cassa di Risparmio di Cesena S.P.A. account

An international bank payment can cost rather more than the fee suggests. On top of the transfer fee, correspondent or intermediary banks may take a cut, and when currencies are converted the bank usually applies a rate below the actual market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: many banks convert using an exchange rate that includes a margin. Compare their rate with the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

Money transfer services frequently offer rates closer to the mid-market rate with clearer fees. On GoldexPay we compare the amount that arrives across services, which makes the cheapest option easy to spot. Choosing a specialist does not require leaving Cassa di Risparmio di Cesena S.P.A..

The Euro and what conversion costs you

Most accounts at Cassa di Risparmio di Cesena S.P.A. are typically held in EUR, the local currency. Money sent in a different currency will be converted into EUR before it reaches the account – and the bank that does it picks the rate. Every conversion eats into something – usually through the rate rather than a fee.

Where the conversion happens affects how much arrives, as rates and margins differ per bank. Sending the amount directly in EUR usually prevents an extra conversion by Cassa di Risparmio di Cesena S.P.A..

Exchange rates change all the time – some services let you fix a rate in advance. For recurring payments, a slightly better rate add up over time.

Euro transfers to Cassa di Risparmio di Cesena S.P.A.: is a BIC needed?

Within the SEPA zone, euro transfers to an account in Italy use common rules, so the IBAN does the job in most cases. The BIC field is often optional for those payments.

The BIC does come into play for payments in other currencies. A few banks and apps still show a field for the BIC; if so, enter CECRIT2C.

Euro payments within SEPA usually arrive within one business day, and instant transfers in seconds where both banks support them. Charges on SEPA transfers tend to be low.

Head office or branch code at Cassa di Risparmio di Cesena S.P.A.?

Cassa di Risparmio di Cesena S.P.A. uses 2 different SWIFT/BIC codes. Only one is the head office code, CECRIT2CXXX; the rest belong to branches or departments.

If nobody asks you for a branch code, use CECRIT2CXXX or its short form CECRIT2C. Only use a branch code when the account holder explicitly asks for it, for example on a letter or invoice.

Not sure which code to use? Ask the recipient or the bank itself. Branch codes are more prone to be retired than the head office code when a bank merges or closes offices.

A note on our data

The details on this page are taken from publicly available data that we update regularly. Banks merge, change names and retire codes – a directory can be a step behind. The figures on this page reflect what is in our directory.

Treat this page as a reference, rather than as the final word – the bank details from the recipient are leading. GoldexPay is not affiliated with Cassa di Risparmio di Cesena S.P.A.. Should you notice something that is out of date, we appreciate a message.

How to check CECRIT2C before you pay

Have the recipient send you the account details straight from a recent statement. If the code you have does not match CECRIT2C or CECRIT2CXXX, stop and ask.

If the code is wrong, the transfer may get stuck, be returned or cost extra. A mistake in the account number can be more serious, because the money may be credited to someone else.

A validity check by your bank merely confirms that the IBAN is valid – not that it belongs to the person you mean to pay. Where available, a name check on the recipient gives extra certainty. A small test payment is worth it for a large first payment despite the extra fee.