Banca Cis S.P.A. SWIFT/BIC code

CRRNSMSM – the SWIFT/BIC code of Banca Cis S.P.A.

The 8-character code CRRNSMSM and the full code CRRNSMSMXXX refer to one and the same institution: Banca Cis S.P.A., with its head office in Serravalle. Banks worldwide use these codes to direct international transfers to the right bank. In practice you usually see it on international invoices, in payment forms and on the account details that Banca Cis S.P.A. provides.

Further down you will find the practical side: receiving money at Banca Cis S.P.A., paying someone in another country and how to check the code before you confirm a payment. A SWIFT code identifies an institution, never a specific account; the IBAN or account number does that.

Choosing between the 7 SWIFT codes of Banca Cis S.P.A.

Banca Cis S.P.A. has 7 separate SWIFT/BIC codes. One of them is the head office code; the rest identify branches or departments.

In most cases you do not need to look up a branch: transfers addressed to CRRNSMSMXXX are routed within Banca Cis S.P.A. without problems. Just use a branch code when the recipient gives you that exact code.

When in doubt, ask the person you are paying which code their bank gave them. Codes for branches are more prone to be retired than the head office code when a bank merges or closes offices.

Why Banca Cis S.P.A. has an 8- and an 11-character code

A SWIFT code is built from a few fixed parts: characters one to four identify the bank, characters five and six show the country and the two after that indicate the location. Combined, those parts form CRRNSMSM – the version you usually see online.

XXX at the end of CRRNSMSMXXX does not stand for a missing value or a mistake: it stands for the head office of Banca Cis S.P.A.. Some forms ask for 11 characters, in which case you can add XXX after CRRNSMSM.

Type the code as one block, in upper case and without spaces. Copying the code beats retyping it: a typo can point to another bank.

Where our SWIFT data comes from

The details on this page come from publicly available data that we update regularly. It can happen that information here is out of date, for example after a merger. The number of codes on this page reflect what is in our directory, not official figures from Banca Cis S.P.A..

Before any payment that matters, always check the code with Banca Cis S.P.A. or the recipient. We are a comparison service for money transfers and not part of Banca Cis S.P.A.. Found outdated information? Tell us via our contact form and we will look into it.

Protect yourself against fake payment requests

A common scam works like this: an email arrives with a message saying that a company has a new bank account and that the next payment should go there. The fact that CRRNSMSM exists is no guarantee that the account is genuine – fraudsters use real bank codes as well.

Before paying, verify a change of bank details through a phone call on a number you know, not one from the message. Watch out for time pressure, unusual wording or a sender address that is slightly off. Acted too fast? Call your bank without delay and have them start a recall and report the fraud.

People receiving money can be targeted as well: one known trick is an overpayment followed by a request to refund the difference. A payment confirmation from the sender proves nothing.

What a transfer from Banca Cis S.P.A. abroad really costs

A bank transfer abroad can cost rather more than the fee suggests. You pay the transfer fee, sometimes fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate when the money is converted.

Banks do not show their exchange rate markup as a cost. An easy check: set the bank’s rate against the mid-market rate and look at the difference.

For many currency pairs, a specialist provider is less expensive than a traditional bank transfer – mostly thanks to the rate. Before your next transfer, take a minute to compare what arrives via GoldexPay instead of going straight to your bank. Choosing a specialist does not mean leaving Banca Cis S.P.A..

When will the money arrive at Banca Cis S.P.A.?

A SWIFT payment usually takes one to a few business days – it depends on currency, route and the banks in between. Transfers sent late in the day or just before weekends and holidays often start a business day later. Sometimes a bank wants to know what the payment is for before releasing it.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every payment gets a unique transaction reference, the UETR. Keep your transfer receipt until the recipient confirms; it contains the details a bank needs to start a trace.

If the money does not arrive after a few business days, the sender should start with the bank that sent it, not the receiving bank. On the receiving end, you can check your account to see a slightly lower amount.

Paying Banca Cis S.P.A. in euros within SEPA

Inside SEPA, euro payments to an account in San Marino follow the same rules and in most cases need only the IBAN. The BIC field is often optional for those payments.

You will still need CRRNSMSMXXX for non-euro payments or money from outside the SEPA area. Some forms still ask for the BIC; in that case, enter CRRNSMSM.

Euro payments within SEPA normally land within one business day, and instant transfers in seconds where both banks support them. Charges on SEPA transfers are generally low, as long as no currency conversion is involved.

Sending EUR to Banca Cis S.P.A.

The currency in San Marino is the Euro (EUR). When you pay money in a different currency, the amount gets converted at some point: by your bank, an intermediary or Banca Cis S.P.A. itself. Each conversion costs the amount – usually through the rate rather than a fee.

Who does the conversion has an effect on the final amount. Check how much EUR arrives via different services; the difference between options can be larger than you expect.

Rates for EUR change during the day, and some providers let you lock in a rate. If you pay regularly, small differences in the rate make a real difference over time.

Getting paid from abroad into a Banca Cis S.P.A. account

If you expect a payment from another country, give the sender everything they need in one go. That means: your full name as registered with Banca Cis S.P.A., your account number or IBAN, the SWIFT/BIC code CRRNSMSMXXX and sometimes your address.

The sender’s bank may also ask for the bank address of Banca Cis S.P.A., in which case the Serravalle head office is the usual answer. Check the details before you send them – a sender rarely spots a mistake in someone else’s details.

The amount you receive is often less than what was sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the currency changes, an exchange rate margin comes on top. On invoices, you can state who bears the costs.

Before you send: check the Banca Cis S.P.A. code

The safest source for the BIC is the bank details provided by the recipient. Compare that code with CRRNSMSM on this page; if they differ, ask before you pay.

An incorrect BIC may lead to delays, a payment being sent back or extra fees along the way. An error in the account number is a bigger problem, so check that just as carefully.

Most online banking apps check the format of IBANs and sometimes look up the BIC automatically – that confirms the format, not the owner. Where available, a payee name check before sending adds extra certainty. When you pay someone new, many people start with a small amount first.