SWIFT Code for COMUNE DI LAVAGNA in Italy
CMLVIT21XXX
The primary BIC/SWIFT code for COMUNE DI LAVAGNA in Italy is CMLVIT21XXX. This code is used to identify the bank as a whole during international financial transactions.
| Bank Name | COMUNE DI LAVAGNA |
| Bank Address | PIAZZA LIBERTA', 47, 16033 LAVAGNA (GE) IT |
| City | LAVAGNA |
| Postcode | 16033 |
| Country | 🇮🇹 Italy |
| Bank Code | CMLV |
| Country Code | IT |
| Location Code | 21 |
| Branch Code | XXX |
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Sending Money to COMUNE DI LAVAGNA in LAVAGNA
Follow these three steps to ensure your international wire transfer reaches the correct account at the LAVAGNA branch without delays or hidden intermediary fees.
- Step 1: Collect Recipient Details. You will need the full legal name of the account holder and their IBAN (International Bank Account Number). For Italy, IBANs typically start with the prefix IT.
- Step 2: Enter the SWIFT/BIC Code. When prompted by your banking app or wire service, enter CMLVIT21XXX. This unique 11-character identifier ensures the funds are routed specifically to the COMUNE DI LAVAGNA systems in LAVAGNA.
- Step 3: Confirm the Transfer Method. If you are sending from within Europe, select SEPA for lower fees and faster delivery. For transfers from outside the EU (e.g., USA, India, or Australia), ensure you select SWIFT/International Wire and double-check if your bank requires an intermediary bank for Italy transactions.
Where can I find my SWIFT/BIC code?
You can find your SWIFT/BIC code in several easy-to-locate places:
- On your bank statements, either printed or online.
- Inside your online banking portal, under account information.
- On your bank’s official website, usually in their international banking or FAQ section.
- By directly contacting your bank’s customer service.
Online resources like SWIFT Codes Finder can be really helpful.
Example of transaction information
- Beneficiary Name: [Recipient Name]
- Bank: [Bank Name]
- SWIFT/BIC Code: [SWIFT Code]
- Bank Address: [Street, City, Country]
- Account Number/IBAN: [Account Number or IBAN]
Frequently Asked Questions
Is CMLVIT21XXX the correct code for all COMUNE DI LAVAGNA branches?
No. While many banks use a "Head Office" code ending in XXX, the code CMLVIT21XXX is specifically assigned to the LAVAGNA location. Using this specific 11-character code helps the bank’s automated systems credit the recipient’s account faster than using a generic national code.
Can I use this code for a SEPA transfer to Italy?
Yes. If you are sending Euro-denominated funds from another SEPA-member country, you can use this BIC/SWIFT code alongside the recipient’s IBAN. However, most modern European banks only require the IBAN to route SEPA payments automatically.
How long does a transfer to COMUNE DI LAVAGNA usually take?
International transfers to COMUNE DI LAVAGNA using the SWIFT network typically take 1 to 3 business days. Factors that can cause delays include:
- Time zone differences between the sender and Italy.
- Local public holidays in Italy.
- Required "Know Your Customer" (KYC) checks for large amounts.
Are there fees for receiving money at the LAVAGNA branch?
Most banks in Italy charge an "Incoming Wire Fee" for international transfers. For COMUNE DI LAVAGNA, these fees vary based on the account type but typically range from a small flat fee to a percentage of the total. It is recommended to send funds using the "OUR" instruction if you want the recipient to receive the exact amount sent.
What happens if I use the wrong SWIFT code?
If you use a code for a different branch of COMUNE DI LAVAGNA, the money will usually still arrive but may be delayed by 24–48 hours as it is manually rerouted. If you enter a completely incorrect code, the funds will likely be returned to your account within 5–10 business days, minus any processing fees.
Do I need a COMUNE DI LAVAGNA SWIFT code for international money transfers?
Yes. If you are sending money from abroad to an account at COMUNE DI LAVAGNA, you will almost certainly need their SWIFT code (also known as a BIC).
The SWIFT code CMLVIT21XXX acts as a digital address for the LAVAGNA branch. Without it, the sending bank won’t know which specific institution in Italy should receive the funds, which often leads to the transfer being rejected or stuck in "limbo". However, the requirements change slightly depending on where the money is coming from:
- Transfers from outside the EU/EEA (e.g., USA, Canada, India): A SWIFT code is mandatory. You must provide CMLVIT21XXX along with the recipient’s name and IBAN.
- Transfers from within Europe (SEPA): If the sender is in a SEPA-member country, many modern banks only require the IBAN. However, providing the SWIFT code CMLVIT21XXX is still recommended as a backup to ensure the transfer is routed instantly to the LAVAGNA branch.
- Domestic Transfers: If you are sending money from another bank inside Italy, you typically do not need a SWIFT code; a local account number or IBAN is sufficient.
Pro Tip: Always double-check the 8th and 11th characters. For COMUNE DI LAVAGNA, using the specific branch code CMLVIT21XXX instead of the generic head office code ensures the money hits the correct local ledger in LAVAGNA without manual intervention.
SWIFT Codes for main Italy banks
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