Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto) SWIFT/BIC code

SWIFT/BIC code of Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto)

CRLOIT3L and CRLOIT3LXXX are two spellings of the same bank identifier, and both point to Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto) in Bergamo. The code has a single purpose: it ensures that money from abroad ends up at the right bank. You will need it mainly when dealing with transfers between countries.

Below you will find the practical questions: money coming in from abroad, sending money abroad and how to check the code before you hit send. Keep in mind that the SWIFT code only identifies the bank, not the account: the IBAN or account number does that part.

Euro transfers to Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto): is a BIC needed?

Since Italy is part of the SEPA zone, a euro payment into Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto) from within the SEPA area normally only needs an IBAN. Most banking apps no longer ask for the BIC in that case.

A SWIFT code like CRLOIT3L does come into play for payments in other currencies. Some banks and apps still ask for the BIC; in that case, fill in CRLOIT3L.

Euro payments within SEPA normally land by the next business day; instant payments are faster if both banks offer them. As long as the payment stays in euros, a SEPA transfer tends to be inexpensive.

CRLOIT3L or CRLOIT3LXXX – which one to use?

Each SWIFT/BIC code has the same eight core characters: a four-letter bank code, a two-letter country code and a two-character location code. In this case, that core is CRLOIT3L.

Most payment forms work with either length. If yours requires eleven characters, enter CRLOIT3LXXX.

As a rule the code is written in capitals. Watch for the letter O and the digit 0 and the letter I and the digit 1; they are easy to mix up.

Getting paid from abroad into a Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto) account

Someone abroad who wants to pay you will ask for several details from you – incomplete details often cause delays. What they need is: your name, IBAN or account number, CRLOIT3LXXX or CRLOIT3L and in many cases your postal address.

It helps to include Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto) and its city too. A typo in the IBAN is harder to fix than it looks; copy them from your banking app rather than typing.

Do not be surprised if the incoming amount is smaller than the amount on the sender’s receipt. Intermediary banks may deduct a fee, Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto) may charge for incoming payments, and when currencies differ, a markup on the rate applies. On invoices, you can state how the fees are split to avoid a shortfall.

What a transfer from Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto) abroad really costs

When you transfer money to another country through Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto), the fee you see is rarely all of the cost. On top of a fixed fee, correspondent or intermediary banks may take a cut, and when the money changes currency, the bank usually uses a rate below the actual market rate.

The markup on the rate is often the largest item, and it is easy to miss. An easy check: set the rate you get next to the mid-market rate and look at the difference.

For a lot of routes, a specialist provider turns out to be less expensive than a bank, mainly because of the exchange rate. Next time you send money, it is worth to compare what arrives on GoldexPay instead of going straight to your bank. You can still use your account at Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto), while a cheaper service handles the conversion.

About this information

Our SWIFT/BIC directory is compiled from publicly available sources and is updated regularly. Banks reorganise, change names and change codes, and a directory never catches every change immediately. Counts and locations are from our own dataset.

Treat the information on this page as a helpful check and rely on the recipient or Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto) for the final confirmation. GoldexPay is independent of Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto); we are a comparison site for money transfers. If you notice a mistake, we appreciate a short note.

Tracking a transfer to or from Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto)

There is no single answer for every transfer: some arrive within a day while others need several business days. Payments made after the cut-off time or on a weekend or public holiday usually go out the next business day. Extra checks by one of the banks may also add a delay.

A growing number of banks use SWIFT gpi for faster and traceable payments. Each gpi transfer gets a unique reference, the UETR, which your bank can use to see where the money is. Save the payment confirmation until the recipient confirms – you will need it for any trace request.

A missing payment is traced from the sending side on the basis of the transfer details. Request from the sender the payment receipt with the date and reference; that often settles the question quickly.

Scams that use SWIFT codes

Stay wary if a contact unexpectedly asks you to send money to another account or a bank in another country. A correct SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Verify new bank details through a different channel, such as a phone number you already know, not by replying to the message. Be suspicious of time pressure, odd spelling or an email address that differs by one letter. Already paid? Contact your bank straight away and ask them to start a recall; also report it to the police.

Scams also work the other way: someone sends too much and wants you to return the extra to a new account. A screenshot of a transfer is no proof; only your own account shows what has arrived.

Is CRLOIT3L still correct? How to check

The most reliable source for the BIC is the recipient’s own bank details. When the code you were given does not match CRLOIT3L or CRLOIT3LXXX, do not guess – contact the recipient or Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto).

If the code is wrong, the payment may get stuck, be returned or cost extra, and tracing it can take weeks. Do not forget the account number: an error there can be more difficult to correct than a wrong BIC.

A format check in your banking app merely tells you that the IBAN exists – not that it belongs to the person you mean to pay. More and more banks compare the name with the account before you confirm; take any warning seriously. When you pay someone new, many people send a small amount first and wait for confirmation.

Choosing between the 12 SWIFT codes of Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto)

Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto) uses 12 separate SWIFT/BIC codes across 10 cities. Only one is the head office code, CRLOIT3LXXX; the others belong to branches or departments, and sometimes specific services.

Usually you do not need to look up a branch: payments addressed to CRLOIT3LXXX are routed within Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto) correctly. Branch codes are only needed when the recipient’s bank specifically mentions it, which is more common for corporate accounts and trade services.

When in doubt, ask the person you are paying which code their bank gave them. Branch codes are more prone to be retired than CRLOIT3LXXX when a bank merges or closes offices.

Sending EUR to Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto)

The currency of Italy is the Euro (EUR). If you send another currency has to be converted at some point – by your bank, by Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto) or by a bank in between. Every conversion eats into something.

Who does the conversion affects the final amount, as rates and margins differ per bank. Transferring the amount directly in EUR usually prevents an extra conversion by Ubi Banca S.P.A. (Formerly Carilo - Cassa di Risparmio di Loreto) – as long as your own rate is good.

Rates for EUR move during the day. With bigger transfers, a seemingly small gap in the rate can be worth more than the fee.