Credito Siciliano SPA SWIFT/BIC code

What RSANIT3P means for a payment to Credito Siciliano SPA

The 8-character code RSANIT3P and the full code RSANIT3PXXX refer to one and the same institution: Credito Siciliano SPA, with its head office in Palermo. Every bank on the SWIFT network uses these codes to route international transfers to the right bank. In practice you mostly come across the code on invoices from abroad, in your banking app and on the account details of Credito Siciliano SPA customers.

On this page you will find how the code is put together, when it matters and what else you need for a transfer to or from Credito Siciliano SPA. The SWIFT code alone does not identify a personal account; for that you need the IBAN or account number is for.

What the XXX in RSANIT3PXXX means

A SWIFT code is built from fixed blocks: characters one to four identify the bank, characters five and six show the country and characters seven and eight mark the location. For Credito Siciliano SPA, the 8-character core is RSANIT3P.

Many payment forms work with both lengths. If yours requires eleven characters, use RSANIT3PXXX.

As a rule the code is typed in capitals. A single character may route a payment to another bank.

Protect yourself against fake payment requests

Criminals regularly send payment requests with new bank details. The fact that RSANIT3P exists is no guarantee that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Check new bank details through a different channel like a call to a number from an earlier contract. Urgency and secrecy tend to be red flags – a real supplier can wait a day. If a payment was sent to a fraudster, call your bank right away.

Fraud can also target the receiver: someone sends too much and wants you to refund the extra via a different route. A payment confirmation from the sender is no proof – check your own account.

Getting paid from abroad into a Credito Siciliano SPA account

For a transfer from abroad at Credito Siciliano SPA, the person paying you has to have more than the BIC. Share the account holder’s name, the IBAN or account number, SWIFT code RSANIT3PXXX and your address, which some banks require.

Some banks want the address of Credito Siciliano SPA in Palermo. Double-check the details before you send them – a sender rarely spots a mistake in someone else’s details.

An incoming payment will not always arrive in full. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin comes on top. Make clear with the sender who covers the fees, especially for larger amounts.

When will the money arrive at Credito Siciliano SPA?

An international transfer typically needs anywhere from one to several business days – it depends on currency, route and the banks in between. Weekends and public holidays in the sending or receiving country can add a day or more. Occasionally a bank asks about the purpose of a payment.

Many banks use SWIFT gpi. Every 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 where the payment is.

If a payment has not arrived after a few business days, the sender should start with their own bank. On the receiving end, it helps to check your statements for a partial amount.

International transfers from Credito Siciliano SPA: the real cost

An international bank payment can cost more than the listed fee. On top of the transfer fee, correspondent or intermediary banks may take a cut, and when the money changes currency the bank often uses a rate below the actual market rate.

The markup on the rate is often the biggest item, and it is easy to miss. A simple test: set the bank’s rate against the mid-market rate and work out the difference on your amount.

For a lot of currency pairs, a specialist provider turns out to be cheaper than a traditional bank transfer, mainly because of the exchange rate. Before your next transfer, take a minute comparing what arrives via GoldexPay instead of going straight to your bank. Choosing a specialist does not require leaving Credito Siciliano SPA: you simply pay the service from your account.

How up to date is this code?

The details on this page are taken from publicly available data. Institutions merge, change names and change codes, and a directory never catches every change immediately. Figures such as the number of codes are from our directory and are not confirmed by Credito Siciliano SPA.

Before any payment that matters, always confirm the BIC with the recipient’s bank or the recipient. GoldexPay is an independent comparison site for money transfers and not affiliated with Credito Siciliano SPA. If you notice a mistake, we appreciate a short note.

The Euro and what conversion costs you

Accounts at Credito Siciliano SPA are typically held in EUR, the local currency. When you pay money in a different currency it has to be converted somewhere along the way: by your bank, an intermediary or Credito Siciliano SPA itself. Every conversion eats into the amount, even when no fee is shown.

Where the conversion happens has an effect on how much arrives. Often it is cheaper if you send EUR straight away via a transfer service with a good rate.

Exchange rates move all the time. On larger amounts, a small gap in the rate can be worth more than the fee.

Before you send: check the Credito Siciliano SPA code

Have the recipient send you the bank details straight from a recent statement. When the code you were given does not match RSANIT3P or RSANIT3PXXX, stop and ask: check with the recipient or with Credito Siciliano SPA directly.

An incorrect BIC can cause delays, a payment being sent back or additional charges along the way. Remember the IBAN: an error there is harder to undo than a wrong BIC.

A validity check by your bank only tells you that the IBAN exists, not that it is the right account. If your bank offers it, a name check before sending adds an extra layer of safety. Sending a small amount first is a sensible step for large sums.

SEPA payments and the Credito Siciliano SPA BIC

Since Italy is part of SEPA, a euro transfer into Credito Siciliano SPA from another SEPA country usually requires just the IBAN. Many banks do not require the BIC for these payments or fill it in for you.

You still need RSANIT3PXXX for non-euro payments or money from outside the SEPA area. If your banking app has a field for the BIC regardless, entering RSANIT3P is fine.

Euro payments within SEPA normally land by the next business day, and instant transfers in seconds where both banks support them. Fees for SEPA transfers are generally low as long as everything stays in euros.

Credito Siciliano SPA: head office code versus branch codes

Our database contains 132 SWIFT/BIC codes for Credito Siciliano SPA in 89 cities. Next to the head office code RSANIT3PXXX, there are codes for regional offices and specialised units.

If nobody asks you for a branch code, use RSANIT3PXXX or its short form RSANIT3P. Branch codes are only needed when the recipient’s bank explicitly asks for it, which is more common for business accounts and trade services.

Unsure which code applies? 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.