Fiat Chrysler Finance S.P.A. SWIFT/BIC code

FCHFITTT – the SWIFT/BIC code of Fiat Chrysler Finance S.P.A.

Whether you are given FCHFITTT or FCHFITTTXXX, you are looking at the identical address for Fiat Chrysler Finance S.P.A. in Italy. A SWIFT code tells the banks handling a payment exactly which bank should receive the money. You will need it mostly for payments that cross a border or a currency.

Further down we go through the practical questions: money coming in from abroad, sending money abroad and how to verify a SWIFT code before you confirm a payment. Keep in mind that the BIC only identifies the bank, not the person: the IBAN or account number does that part.

Scams that use SWIFT codes

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

Do not trust a phone number from the same email that contains the change. Pressure and secrecy are red flags – a real supplier can wait a day. Already paid? Call the bank you paid from straight away and have them start a recall and report the fraud.

People receiving money can be targeted as well: one known trick is an overpayment and then sends a request to refund the difference. A screenshot of a transfer is no proof; only your own account shows what has arrived.

International transfers from Fiat Chrysler Finance S.P.A.: the real cost

An international bank payment costs rather more than the fee suggests. Besides a fixed fee, correspondent or intermediary banks may take a cut, and if currencies are converted, the bank often uses a rate that is less favourable than the real market rate.

The markup on the rate tends to be the biggest item even though it is not listed as a fee. An easy check: put the bank’s rate next to the mid-market rate for the same moment and work out the difference on your amount.

Specialised transfer providers often use rates closer to the mid-market rate. Next time you send money, it is worth to compare the total cost via GoldexPay. Using a transfer service does not mean leaving Fiat Chrysler Finance S.P.A. – you pay the provider from your own account.

Paying into Fiat Chrysler Finance S.P.A. in EUR

Italy uses the Euro, code EUR. Money sent in a different currency is exchanged into EUR on its way to Fiat Chrysler Finance S.P.A., and whoever converts it chooses the rate. Each conversion costs the amount – usually through the rate rather than a fee.

Who converts the payment matters. Compare how much EUR the recipient gets via several providers.

The EUR rate changes throughout the day, so the amount you see is usually only valid for a short time. With bigger transfers, even seemingly small gap in the rate can be worth more than the fee.

Which of the 2 codes of Fiat Chrysler Finance S.P.A. do you need?

Our directory lists 2 SWIFT/BIC codes for Fiat Chrysler Finance S.P.A.. Besides the head office code FCHFITTTXXX, there are codes for branches, departments or specific services.

Unless the recipient tells you otherwise, use FCHFITTTXXX or its short form FCHFITTT. Branch codes are only needed when the recipient’s bank specifically asks for it, which is more common for corporate accounts and specialised services.

Not sure which code applies? Ask the recipient, or look at a recent statement from Fiat Chrysler Finance S.P.A.. Codes for branches are more prone to be retired than the head office code.

Verifying the SWIFT code of Fiat Chrysler Finance S.P.A.

Ask the recipient to copy the bank details straight from their banking app. If the code you have does not match FCHFITTT or FCHFITTTXXX, do not guess: check with the recipient or with Fiat Chrysler Finance S.P.A. directly.

Errors in the BIC tend to be annoying rather than disastrous: often the payment comes back, minus fees. A mistake in the account number can be a bigger problem.

Many banking apps check the structure of an IBAN – that confirms the format, not the owner. More and more banks compare the name against the account. When you pay someone new, some people send a small test amount and wait for confirmation.

Receiving money from abroad at Fiat Chrysler Finance S.P.A.

If you expect money from abroad, send the payer a complete set of details. Share your name as the bank knows it, your account number or IBAN, the BIC FCHFITTTXXX and your address, which some banks require.

You can include the bank name and Torino as well, since some forms ask for it. Check the details before you send them, because the sender’s bank usually copies them as is.

An incoming payment will not always arrive in full. Correspondent banks can take 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.

How long does an international transfer to Fiat Chrysler Finance S.P.A. take?

There is no single delivery time: some land within a day while others need several business days. Bank holidays in either country add extra days to the journey. Compliance checks on larger or unusual payments can also cause some delay.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Each gpi transfer carries a unique transaction reference, the UETR. Keep your transfer receipt.

A missing payment is investigated from the sending side, using the payment confirmation. Ask the sender for a copy of the payment confirmation; that often settles the question quickly.

A note on our data

This directory is based on publicly available sources and is updated regularly. It is possible that a code on this page is no longer current, for example after a merger. The figures we show reflect our own data and not on information from Fiat Chrysler Finance S.P.A. itself.

Treat our directory on this page as a helpful check and rely on the recipient or Fiat Chrysler Finance S.P.A. for the final confirmation. GoldexPay has no connection to Fiat Chrysler Finance S.P.A.. Found outdated information? Let us know through the contact page and we will look into it.

FCHFITTT or FCHFITTTXXX – which one to use?

Every SWIFT/BIC code has the same eight core characters: a four-letter bank code, two letters for the country and two characters for the location. Together, these eight characters form FCHFITTT.

Many banks and apps accept either length. If a form requires eleven characters, use FCHFITTTXXX; if it wants eight, use FCHFITTT.

Type the code as one block, in upper case and without spaces. Pasting the code is safer than typing it by hand.

Do you need FCHFITTT for a SEPA transfer?

Italy is part of the SEPA area, where euro transfers follow common rules. For a regular euro transfer from another SEPA country, you normally only need the IBAN and the BIC is often filled in automatically.

For anything other than euros and from non-SEPA countries, FCHFITTTXXX or FCHFITTT remains part of the payment details. A few banks and apps also show a field for the BIC; in that case, enter FCHFITTT or FCHFITTTXXX.

Instant euro transfers have become widely available across SEPA – whether Fiat Chrysler Finance S.P.A. offers them for your account is worth checking. Provided no currency is converted, a SEPA transfer tends to be inexpensive; it is the conversion that costs money.