SWIFT Code BACRIT21609 — CREDITO EMILIANO S.P.A., CAGLIARI

About SWIFT Code BACRIT21609 — CREDITO EMILIANO S.P.A., CAGLIARI

SWIFT code BACRIT21609 is the official 11-character branch-specific BIC (Bank Identifier Code) for CREDITO EMILIANO S.P.A. in CAGLIARI, Italy. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by CREDITO EMILIANO S.P.A. for all outward international remittances from CAGLIARI. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code BACRIT21609

The code BACRIT21609 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code BACRIT21609

Receiving International Wire Transfers

To receive money from abroad at your CREDITO EMILIANO S.P.A. account in CAGLIARI, share SWIFT code BACRIT21609 with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at CREDITO EMILIANO S.P.A., CAGLIARI must provide SWIFT code BACRIT21609. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using CREDITO EMILIANO S.P.A. in CAGLIARI rely on SWIFT code BACRIT21609 for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for CREDITO EMILIANO S.P.A. →

For cheque clearing or NACH mandates, use the MICR code for CREDITO EMILIANO S.P.A. →

For TDS challan deposits, find the BSR code for CREDITO EMILIANO S.P.A. →

How SWIFT Code BACRIT21609 Routes an International Transfer

1. Initiation: The sender provides SWIFT code BACRIT21609 and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to CREDITO EMILIANO S.P.A..
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: CREDITO EMILIANO S.P.A. receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code BACRIT21609

• Spaces or lowercase letters — Always enter BACRIT21609 uppercase with no spaces.
• Using the wrong city — This code is for CAGLIARI only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within Italy.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm BACRIT21609 directly with CREDITO EMILIANO S.P.A.'s CAGLIARI branch or via the SWIFT BIC Directory.