Cassa di Risparmio di Pistoia e Della Lucchesia SPA SWIFT/BIC code

What CRFIIT3P means for a payment to Cassa di Risparmio di Pistoia e Della Lucchesia SPA

The 8-character code CRFIIT3P and the full code CRFIIT3PXXX refer to the same bank: Cassa di Risparmio di Pistoia e Della Lucchesia SPA, with its head office in Pistoia. Banks worldwide use these codes to direct international transfers to the right institution. In practice you usually come across it on invoices from abroad, in payment forms and in the bank details that Cassa di Risparmio di Pistoia e Della Lucchesia SPA provides.

Further down we go through the practical questions: money coming in from abroad, sending money abroad and how to check the code before you confirm a payment. The SWIFT code alone does not identify an individual account holder; for that you need the account number or IBAN is for.

Changed bank details? Be careful

Scammers regularly send fake invoices with changed bank details, sometimes in an email that looks completely genuine. That CRFIIT3P is a real code does not mean that a request mentioning it is legitimate.

Before paying, verify a change of bank details through a phone call, using a number you already had. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. If a payment has already gone to the wrong account, call your bank right away.

Fraud also work the other way. Someone sends too much and wants you to return the extra via a different route. A screenshot of a transfer is no proof – check your own account.

Where our SWIFT data comes from

We collect SWIFT/BIC codes from publicly available data and check them from time to time. Institutions reorganise, close branches and retire codes – a directory can be a step behind. Counts and locations come from our own dataset.

Before any payment that matters, check the code with Cassa di Risparmio di Pistoia e Della Lucchesia SPA or with the recipient. GoldexPay has no connection to Cassa di Risparmio di Pistoia e Della Lucchesia SPA; we are a comparison site for money transfers. Found an error? Tell us via our contact form.

Sending money abroad from Cassa di Risparmio di Pistoia e Della Lucchesia SPA

An international bank payment costs rather more than the fee suggests. There is the transfer fee, sometimes fees charged by intermediary banks along the way and, above all, the exchange rate markup when the money is converted.

The markup on the rate tends to be the biggest item even though it is not listed as a fee. Compare their rate against the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

Money transfer services often use a rate near the mid-market rate with clearer fees. Before your next transfer, it is worth to compare the total cost via GoldexPay rather than accepting the bank’s rate by default. You can still use your account at Cassa di Risparmio di Pistoia e Della Lucchesia SPA to fund the transfer; only the conversion and sending happen elsewhere.

Do you need CRFIIT3P for a SEPA transfer?

Since Italy is in the SEPA zone, a euro payment to Cassa di Risparmio di Pistoia e Della Lucchesia SPA from another SEPA country usually only needs the IBAN. Many banks no longer ask for the BIC for these payments or fill it in for you.

A SWIFT code like CRFIIT3P still come into play for payments in other currencies, and for transfers from outside SEPA. A few banks and apps still show a field for the BIC out of habit; if so, enter CRFIIT3P.

Instant payments in euros are increasingly available within SEPA – whether Cassa di Risparmio di Pistoia e Della Lucchesia SPA offers them for your account is worth checking. Provided no currency is converted, the transfer is inexpensive; costs rise once a conversion is involved.

Transfer times and tracking a payment to Cassa di Risparmio di Pistoia e Della Lucchesia SPA

There is no fixed answer for every transfer: many land the same day or the next, others take several business days. Weekends and public holidays in the sending or receiving country add a day or more. Occasionally a bank wants to know about the purpose of a payment before releasing it.

A growing number of banks use SWIFT gpi for faster and traceable payments. Each payment gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Money transfer services often show a status online showing how far the payment is.

Only the sending bank can start an official trace or a recall; the receiving side usually has nothing to trace yet. As a recipient, you can check your statements for a partial amount.

What the XXX in CRFIIT3PXXX means

Each SWIFT/BIC code starts with the same eight core characters: a four-letter bank code, a two-letter country code and two characters for the location. In this case, the 8-character core is CRFIIT3P.

XXX at the end of CRFIIT3PXXX is not a missing value or an error: it indicates the head office of Cassa di Risparmio di Pistoia e Della Lucchesia SPA. Some forms ask for 11 characters, and then you can enter XXX behind CRFIIT3P.

Enter the code in one piece, in upper case and without separators, exactly as shown here. A single character may route a payment to another bank, so check it twice.

Euro (EUR) and conversion costs

Italy pays in the Euro. When you pay another currency gets converted at some point – by your bank, by Cassa di Risparmio di Pistoia e Della Lucchesia SPA or by a bank in between. Each conversion costs the amount.

Who converts the money makes a difference. Check how much EUR arrives with several providers before choosing one.

The rate for EUR changes throughout the day, so the amount you see is usually only valid for a short time. On larger amounts, a small gap in the rate adds up quickly.

Before you send: check the Cassa di Risparmio di Pistoia e Della Lucchesia SPA code

Ask the recipient to send you their account details straight from a recent statement. When the code you were given does not match CRFIIT3P or CRFIIT3PXXX, do not guess: check with the recipient or with Cassa di Risparmio di Pistoia e Della Lucchesia SPA directly.

Errors in the BIC tend to be annoying more than fatal. An error in the account number can be a bigger problem because it can reach the wrong person, so check that just as carefully.

Many banking apps validate the format of an IBAN. More and more banks check the name with the account before you confirm. When you pay someone new, some people send a small test amount before sending the rest.

Getting paid from abroad into a Cassa di Risparmio di Pistoia e Della Lucchesia SPA account

When you expect money from abroad, send the payer all details at once. What they need is: your name, account number or IBAN, CRFIIT3PXXX and in many cases your postal address.

The sender’s bank might request the bank address of Cassa di Risparmio di Pistoia e Della Lucchesia SPA, in which case the Pistoia head office is the usual answer. Double-check every detail before you send them, because the sender’s bank usually copies them as is.

Money from abroad does not always land in full. Charges on incoming payments vary from bank to bank – the price list of Cassa di Risparmio di Pistoia e Della Lucchesia SPA tells you what applies. On invoices, you can agree how the fees are split to avoid a shortfall.

Choosing between the 59 SWIFT codes of Cassa di Risparmio di Pistoia e Della Lucchesia SPA

Cassa di Risparmio di Pistoia e Della Lucchesia SPA has 59 separate SWIFT/BIC codes across 31 cities. One of them is the head office code, CRFIIT3PXXX; the others identify branches or departments.

If nobody asks you for a branch code, go with CRFIIT3PXXX. Just use a branch code when your contact explicitly asks for it.

Not sure which code applies? Check with the recipient, or look at a recent statement from Cassa di Risparmio di Pistoia e Della Lucchesia SPA. Branch codes are sometimes changed or retired over time, so do not rely on old paperwork.