Intesa Sanpaolo Bank Albania Sh.a. SWIFT/BIC code

USALALTR – the SWIFT/BIC code of Intesa Sanpaolo Bank Albania Sh.a.

If an invoice shows USALALTR or USALALTRXXX, you are looking at the same address for Intesa Sanpaolo Bank Albania Sh.a. in Albania. The code does one job: it makes sure that an international payment reaches the right bank. In practice you mostly see it on invoices from abroad, in payment forms and on the account details that Intesa Sanpaolo Bank Albania Sh.a. provides.

We wrote this page to help anyone who pays into an account at Intesa Sanpaolo Bank Albania Sh.a. and wants to get the details right. Remember that the BIC just identifies the bank, not the account: the account number or IBAN does that part.

When will the money arrive at Intesa Sanpaolo Bank Albania Sh.a.?

An international transfer typically needs one to a few business days, depending on the currency, the route and the banks involved. Payments made after the cut-off time or just before weekends and holidays usually go out a business day later. Compliance checks by one of the banks can also add a delay, even when all details are correct.

A growing number of banks are connected to SWIFT gpi. Every gpi transfer carries a unique reference, the UETR, which your bank can use to see where the money is. Save your transfer receipt until the recipient confirms; it contains the details a bank needs to start a trace.

Only the sending bank is able to request a trace; the receiving side usually has nothing to trace yet. Request from the sender the payment receipt including the reference.

How up to date is this code?

We collect SWIFT/BIC codes from publicly available data and update them from time to time. Even so, banks merge or retire codes. The figures on this page reflect what is in our directory.

Treat this page as a reference, rather than as the final word. GoldexPay is independent of Intesa Sanpaolo Bank Albania Sh.a.; we are a comparison site for money transfers. Found outdated information? Let us know through the contact page and we will look into it.

Which of the 15 codes of Intesa Sanpaolo Bank Albania Sh.a. do you need?

Having 15 codes, Intesa Sanpaolo Bank Albania Sh.a. is one of the banks that register separate codes for branches and departments. The main code is USALALTRXXX.

Unless the recipient tells you otherwise, use USALALTRXXX. If you have been given a branch code, use it as it is rather than replacing it for the head office code.

The best way is to take the code straight from the recipient’s statement. Codes are sometimes changed or retired over time, so a code from an old document is not always valid.

Receiving money from abroad at Intesa Sanpaolo Bank Albania Sh.a.

To receive an international payment at Intesa Sanpaolo Bank Albania Sh.a., the person paying you needs more than the SWIFT code. In practice that means: your name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code USALALTRXXX and usually your postal address.

Their bank might request the bank address of Intesa Sanpaolo Bank Albania Sh.a.. Check each detail before you send them, because the sender’s bank usually copies them as is.

An incoming payment will not always land for the full amount. Charges on incoming payments vary per bank; check the price list of Intesa Sanpaolo Bank Albania Sh.a.. For business payments, you can state who bears the costs to avoid a shortfall.

What a transfer from Intesa Sanpaolo Bank Albania Sh.a. abroad really costs

The price of an international transfer is made up of several parts, and the transfer fee is only the most visible one. Besides the transfer fee, correspondent or intermediary banks may take a cut, and if currencies are converted the bank usually applies a rate below the real market rate.

That exchange rate margin is often the biggest cost. Check their rate against the mid-market rate; the gap is what conversion costs you.

For a lot of routes, a transfer service turns out to be less expensive than a traditional bank transfer, mainly because of the exchange rate. GoldexPay compares these services next to each other, showing what actually arrives before you commit. Choosing a specialist does not mean closing your account at Intesa Sanpaolo Bank Albania Sh.a..

Before you send: check the Intesa Sanpaolo Bank Albania Sh.a. code

Have the recipient copy the bank details directly from their online banking. Check it against USALALTR here and ask if anything does not match.

Errors in the SWIFT code tend to be costly rather than disastrous – usually the money comes back, minus fees and time lost. An error in the account number is more serious because it can reach the wrong person; check it just as carefully.

A format check by your bank merely confirms that the IBAN exists. Where available, a payee name check before sending gives an extra layer of safety. A small test payment is a sensible step for large sums despite the extra fee.

Protect yourself against fake payment requests

Scammers often send fake invoices with changed bank details. A valid SWIFT code says nothing about who owns the account.

Do not trust a phone number from the same email that announces the new account. Watch out for urgent requests, unusual wording or a sender address that is slightly off. If money was sent to the wrong account, contact your bank immediately: the sooner they act, the better the chance of a recall.

Fraud can also target the receiver: someone claims to have sent more than agreed and asks you to refund the extra to a new account. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.

What the XXX in USALALTRXXX means

The layout of every SWIFT code is always the same: four characters for the institution, two for the country and two for the location. Combined, these eight characters make up USALALTR.

The 11-character version has three more characters that identify a branch or department. If the last three are XXX, they simply mean the head office, which is why USALALTRXXX and USALALTR lead to the same place.

As a rule the code is written in capitals, without spaces or dashes. Copying the code beats typing it by hand.