Credit Agricole Carispezia SPA SWIFT/BIC code

What CRFIIT2S means for a payment to Credit Agricole Carispezia SPA

CRFIIT2S and CRFIIT2SXXX are the short and the long form of the same SWIFT/BIC code, and both lead to Credit Agricole Carispezia SPA in La Spezia. The code has a single purpose: it makes sure that money from abroad ends up at the right bank. You will need it mainly for payments that cross a border or a currency.

On this page you will find how the code is put together, when it matters and which other details a transfer to or from Credit Agricole Carispezia SPA requires. Keep in mind that the BIC just identifies the bank, not the person: the IBAN or account number takes care of that.

Sending money abroad from Credit Agricole Carispezia SPA

An international bank payment costs rather more than the listed fee. Besides the transfer fee, banks in between can deduct a fee, and when currencies are converted the bank usually uses a rate below the real market rate.

The markup on the rate tends to be the largest cost even though it is not listed as a fee. Check the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

For many routes, a specialist provider is less expensive than a traditional bank transfer – mostly thanks to the rate. GoldexPay compares what recipients receive with different services. Choosing a specialist does not mean closing your account at Credit Agricole Carispezia SPA – you pay the provider from your own account.

Transfer times and tracking a payment to Credit Agricole Carispezia SPA

There is no single answer for international payments: some arrive the same day or the next, others take several business days. Payments made after the cut-off time or on a weekend or public holiday often go out the next business day. Compliance checks by one of the banks may also cause a delay, regardless of the details.

If the money is delayed, ask your bank for the status and the transaction reference. Keep the payment confirmation until the recipient confirms.

The bank that sent the money can request a trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. Ask the sender for the payment receipt; that often settles the question quickly.

8 or 11 characters: CRFIIT2S versus CRFIIT2SXXX

A BIC is made up of a few fixed parts: characters one to four stand for the bank, characters five and six give the country and the two after that mark the location. In this case, that core is CRFIIT2S.

XXX at the end of CRFIIT2SXXX is not a placeholder or an error: it stands for the main office of Credit Agricole Carispezia SPA. Certain payment forms ask for 11 characters, and then you can enter XXX after CRFIIT2S.

Leave out spaces or dashes when you enter CRFIIT2S; the code is always written in one block. A wrong character can send a payment to another bank, so check it twice.

Getting paid from abroad into a Credit Agricole Carispezia SPA account

When you expect money from abroad, send the payer a complete set of details. What they need is: the account holder’s name, account number or IBAN, CRFIIT2SXXX and often your postal address.

It helps to add Credit Agricole Carispezia SPA and La Spezia as well, because some payment forms have separate fields for them. A typo in the IBAN is harder to fix than it looks, so copy the details from your online banking.

Expect that the amount credited is smaller than what the sender paid. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate comes on top. Make clear with the sender who pays which costs before the money is sent.

How up to date is this code?

The details on this page are taken from public sources. It is possible that information here is out of date. Counts and locations come from our own dataset.

Treat our data as a starting point, not as the last word. GoldexPay has no connection to Credit Agricole Carispezia SPA, we only compare transfer services. Should you notice something that is out of date, we welcome a short note.

Protect yourself against fake payment requests

Be alert when someone unexpectedly wants you to send money to another account or a bank in another country. The fact that CRFIIT2S exists does not mean that a request mentioning it is legitimate; criminals use the codes of real banks too.

Verify new bank details through a different channel like a call to a number from an earlier contract. Watch out for urgent requests, unusual wording or a sender address that is slightly off. Acted too fast? Contact your bank without delay and have them start a recall and report the fraud.

Fraud also work the other way: someone claims to have sent too much and asks you to return the difference. Do not act before the money has really arrived.

Sending EUR to Credit Agricole Carispezia SPA

The local currency of Italy is the Euro (EUR). If you send money in a different currency it gets converted at some point: by your bank, an intermediary or Credit Agricole Carispezia SPA itself. You rarely see a separate charge for that conversion.

Which bank converts the money makes a difference, because each party uses its own rate. Sending the amount already in EUR often avoids an extra conversion at the receiving end.

Rates for EUR change all the time. For recurring payments, small differences in the rate add up over time.

How to check CRFIIT2S before you pay

The most reliable source for the BIC is the recipient’s own bank details. When the code you were given differs from CRFIIT2S or CRFIIT2SXXX, do not guess.

Mistakes in the BIC are costly more than fatal: often the payment comes back, minus fees. A mistake in the account number is more serious.

An automatic check by your bank merely tells you that the IBAN exists – not that it belongs to the person you mean to pay. Where available, a name check before sending adds extra certainty. For a first payment, many people send a small amount first and wait for confirmation.

Do you need CRFIIT2S for a SEPA transfer?

Inside SEPA, euro payments to an account in Italy follow the same rules, so the IBAN does the job in most cases. The BIC field is often optional for those payments.

You will still need CRFIIT2SXXX for non-euro payments or transfers from countries outside SEPA. Some banks and apps also ask for the BIC; if so, fill in CRFIIT2S.

SEPA transfers normally land within one business day, and instant transfers in seconds where both banks support them. Provided no currency is converted, the transfer tends to be cheap.

Choosing between the 82 SWIFT codes of Credit Agricole Carispezia SPA

Credit Agricole Carispezia SPA uses 82 different SWIFT/BIC codes across 44 cities. One of them is the head office code, CRFIIT2SXXX; the rest identify branches or departments, and sometimes internal departments.

Unless the recipient tells you otherwise, use CRFIIT2SXXX. Just use a branch code when the recipient explicitly asks for it, for example on an invoice or in their bank details.

If you are not sure, check with the recipient for the exact BIC in their bank details. Branch codes can change when banks reorganise, so a code from an old document is not always valid.