Cosai??i?? A? il Cro Bancario

Categorie: Finanza

Il cro bancario sembrerebbe essere una sigla un poai??i?? ostica ma in realtAi?? altro non A? se non un codice, lungo 11 cifre, con il quale si identifica univocamente ogni operazione eseguita presso un istituto di credito. Essendo unico per ognuna, A? di grande aiuto qualora sia necessario identificare in modo rapido e veloce una precisa transazione. Inoltre, il cro A? legato ad uno specifico cliente, quindi A? possibile risalire tanto allai??i??operazione effettuata tanto al cliente che lai??i??ha compiuta. Molto spesso si utilizza il cro per rintracciare i bonifici bancari, dato che il codice di controllo relativo A? presente anche nelle due ultime cifre del cro stesso.
Il cro A? creato e fornito dalla propria banca ed A? tipicamente sempre espresso chiaramente. Qualora non lo fosse, lo si potrAi?? senza dubbio richiedere allo sportello. Per effettuare transazioni, comunque, non A? necessario conoscere il proprio cro, dato che lai??i??iban A? sufficiente, ma una transazione cosAi?? eseguita dovrAi?? essere comunque registrata successivamente.
Il cro A? fondamentale nel caso di contestazioni con i creditori, visto che indicandolo si puA? dimostrare, anche a distanza di tempo, lai??i??avvenuto pagamento che dovrAi?? essere presente nel database dellai??i??istituto di credito.
Insieme al cro, ricordiamo anche il trn, che contiene il cro stesso: anche in questo caso, se non conosciuto, si potrAi?? ottenere facilmente inoltrando una richiesta alla propria banca.

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