CRVOIT21 – the SWIFT/BIC code of Cassa di Risparmio di Volterra
CRVOIT21 and CRVOIT21XXX are the short and the long form of the same SWIFT/BIC code, and both lead to Cassa di Risparmio di Volterra in Volterra. A BIC does one job: it ensures that an international payment reaches the right bank. It comes up mainly when dealing with transfers between countries.
Further down you will find the practical questions: receiving money at Cassa di Risparmio di Volterra, sending money abroad and how to verify the code before you confirm a payment. The SWIFT code alone cannot identify an individual account holder; that is what the account number or IBAN .
Incoming international payments to Cassa di Risparmio di Volterra
When you are waiting for money from abroad, send the payer a complete set of details. The basics are: the account holder’s name, account number or IBAN, CRVOIT21XXX and often your home address.
The sender’s bank might also ask for the address of your bank. Double-check every detail before you share them, because the sender’s bank usually copies them as is.
Money from abroad will not always arrive in full. Fees for incoming transfers differ per bank. For business payments, it is common to agree who bears the costs.
Is CRVOIT21 still correct? How to check
The most reliable place for the correct BIC is paperwork issued by the bank, such as a statement or the account details in online banking. Check that code with CRVOIT21 on this page; if they differ, ask before you pay.
If the code is wrong, the transfer might get stuck, be returned or cost extra. A mistake in the IBAN or account number can be more serious, because the money may be credited to someone else.
Most online banking apps check the format of IBANs – that confirms the format, not the owner. More and more banks check the name against the account – do not ignore a mismatch warning. For a first payment, many people start with a small amount first and wait for confirmation.
CRVOIT21 or CRVOIT21XXX – which one to use?
The structure of every SWIFT code is always the same: four characters for the institution, two for the country and two for the location, plus an optional branch code. That gives you CRVOIT21.
Most payment forms accept either length. If a form requires eleven characters, enter CRVOIT21XXX.
In practice the code is typed in capitals. Copying the code beats typing it by hand.
What a transfer from Cassa di Risparmio di Volterra abroad really costs
When you transfer money abroad through Cassa di Risparmio di Volterra, the visible fee is rarely all of what you pay. You pay the transfer fee, sometimes fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate.
Banks do not list the margin on the rate separately. Compare their rate against the mid-market rate.
For many routes, a specialist provider is less expensive than a traditional bank transfer, mainly because of the exchange rate. Next time you send money, take a minute comparing what arrives via GoldexPay instead of going straight to your bank. You can still use your account at Cassa di Risparmio di Volterra; only the conversion and sending happen elsewhere.
Watch out for payment fraud
A common scam goes like this: you receive a request claiming that a company has a new bank account and asking you to pay there from now on. A real SWIFT code says nothing about whether the request is genuine.
Verify new bank details via a different channel, such as a phone number you already know, never via the email that asked for the change. Watch out for time pressure, odd spelling or a sender address that is slightly off. Already paid? Call your bank without delay and ask them to try to recall the payment.
Scams also work the other way: someone claims to have sent too much and asks you to refund the difference via a different route. A screenshot of a transfer is no proof; only your own account shows what has arrived.
How up to date is this code?
This directory draws on publicly available sources and is updated regularly. Still, banks merge or change codes, so information can be out of date. The figures on this page reflect what is in our directory and not on information from Cassa di Risparmio di Volterra itself.
Treat our directory here as a helpful check. We are an independent comparison site and not affiliated with Cassa di Risparmio di Volterra. If you notice something that is out of date, we appreciate a short note.
Cassa di Risparmio di Volterra: head office code versus branch codes
Cassa di Risparmio di Volterra has 68 different SWIFT/BIC codes across 62 locations. One of them is the head office code, CRVOIT21XXX; the others identify branches, and sometimes internal departments.
Unless the recipient tells you otherwise, go with CRVOIT21XXX or its short form CRVOIT21. Just use a branch code when your contact explicitly asks for it.
The best way is to copy the code straight from the recipient’s bank details. Branch codes are more prone to change than CRVOIT21XXX when a bank merges or closes offices.
The Euro and what conversion costs you
Accounts at Cassa di Risparmio di Volterra are usually held in EUR, the local currency of Italy. When you pay money in a different currency has to be converted at some point – by your bank, by Cassa di Risparmio di Volterra or by a bank in between. There is rarely a separate line for the conversion.
Where the conversion happens affects how much arrives, since every bank sets its own rate. Transferring the money directly in EUR usually avoids a second conversion.
Exchange rates change during the day, and some providers let you lock in a rate. For regular payments, small differences in the rate make a real difference over time.
Transfer times and tracking a payment to Cassa di Risparmio di Volterra
There is no single delivery time for international payments: some land the same day or the next while others need several business days. Transfers sent late in the day or just before weekends and holidays usually start a business day later. Compliance checks by one of the banks may also add some delay, regardless of the details.
If the money is delayed, ask your bank for the tracking status and the transaction reference; with that reference banks can see where the payment is. Specialist transfer services usually provide a status online showing where the payment has got.
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 because fees can reduce the amount.
Paying Cassa di Risparmio di Volterra in euros within SEPA
Inside SEPA, euro transfers to Cassa di Risparmio di Volterra use common rules, so the IBAN does the job in most cases. A field for the BIC is often optional for those payments.
A SWIFT code like CRVOIT21 does come into play when the currency is not euros. Some banks and apps still show a field for the BIC out of habit; if so, fill in CRVOIT21 or CRVOIT21XXX.
Instant euro transfers have become widely supported within SEPA; check with Cassa di Risparmio di Volterra whether it applies to your account. Provided the payment stays in euros, a SEPA transfer is inexpensive; costs rise once a conversion is involved.
Source: listbase-org SWIFT/BIC database (MIT licence), updated monthly. Always verify the code with the recipient or their bank.