Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop. SWIFT/BIC code

What ICRAITR1 means for a payment to Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop.

The 8-character code ICRAITR1 and the full code ICRAITR1CI3 refer to one and the same institution: Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop., with its head office in Alba. Every bank on the SWIFT network uses BIC codes to route payments between countries to the correct institution. It comes up mainly when dealing with payments that cross a border.

Further down you will find the practical side: money coming in from abroad, sending money abroad and how to check the code before you hit send. Remember that the SWIFT code just identifies the bank, not the account: the IBAN or account number takes care of that.

A note on our data

The codes on this page come from public sources which we refresh regularly. It is possible that a code on this page is out of date, for example after a merger. Figures such as the number of codes come from our own dataset and may differ from what Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop. publishes.

See our directory on this page as a handy check. We are a comparison service for money transfers and not affiliated with Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop.. If you notice a mistake, we welcome a message.

Changed bank details? Be careful

Fraudsters often send fake invoices with changed bank details, sometimes in an email that looks completely genuine. The fact that ICRAITR1 exists does not mean that a request mentioning it is genuine; criminals use the codes of real banks too.

Check changed bank details through a separate channel, such as a phone number you already know, never via the email that asked for the change. Urgency or secrecy are red flags; a genuine business can wait for you to check. Acted too fast? Call the bank you paid from straight away and ask them to start a recall; also report it to the police.

People receiving money are targeted too: a classic trick is an overpayment and then sends a request to refund the difference to another account. A payment confirmation from the sender proves nothing.

Paying Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop. in euros within SEPA

Since Italy is part of the SEPA zone, a euro payment to Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop. from within the SEPA area usually requires just an IBAN. Many banks no longer ask for the BIC for these payments.

A SWIFT code like ICRAITR1 does matter when the currency is not euros, and for transfers from outside SEPA. If your banking app asks for the BIC regardless, adding ICRAITR1 does no harm.

Instant euro transfers are widely supported across SEPA; check with Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop. whether it applies to your account. As long as the payment stays in euros, a SEPA transfer is inexpensive; costs rise once a conversion is involved.

Before you send: check the Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop. code

The best place to find the correct BIC is a document from the bank itself. Check it with ICRAITR1 on this page and ask if anything does not match.

An incorrect BIC can cause a delay, a returned payment or additional charges for investigation. Do not forget the IBAN: an error there is more difficult to correct than a wrong BIC.

Many banking apps validate the format of an IBAN and some suggest the matching BIC. Where available, a payee name check on the recipient gives an extra layer of safety. A small test payment can be worth it for a large first payment, even if it costs an extra fee.

Why Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop. has an 8- and an 11-character code

The layout of every SWIFT code is always the same: a bank code of four letters, two for the country and two for the location, plus an optional branch code. For Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop., the 8-character core is ICRAITR1.

Many payment forms work with both lengths. If a form requires eleven characters, use ICRAITR1CI3.

Enter the code in one piece, in upper case and without separators, exactly as shown here. A single character can send a payment to a different institution.

Which of the 18 codes of Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop. do you need?

With 18 codes, Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop. belongs to the banks that use individual codes for branches and departments. The main code remains ICRAITR1CI3.

Usually you do not need to look up a branch: transfers sent to ICRAITR1CI3 reach Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop. without problems. A branch code only makes sense when the recipient’s bank explicitly mentions it, which is more common for business accounts and specialised services.

The safest route is to take the code directly from the recipient’s bank details. Codes can change when banks reorganise.

Tracking a transfer to or from Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop.

An international transfer typically 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 go out the next business day. Extra checks on larger or unusual payments may also add some delay, regardless of the details.

When a payment takes longer than expected, contact the sending bank about the status; with that reference banks can see where the payment is. Save the payment confirmation until the recipient confirms; it contains the details a bank needs to start a trace.

A missing payment is investigated by the sending bank. Ask the sender for a copy of the payment confirmation; that often settles the question quickly.

Euro (EUR) and conversion costs

Most accounts at Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop. are typically held in EUR, the national currency. When you pay another currency it gets converted somewhere along the way – by your bank, by Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop. or by a bank in between. Every conversion eats into the amount, even when no fee is shown.

Which bank converts the money makes a difference. In many cases you pay less if you send EUR directly through a provider with a good rate rather than letting the receiving bank convert.

The EUR rate fluctuates constantly and quotes are often valid only for a short time. On larger amounts, even small gap in the rate can be worth more than the fee.

Getting paid from abroad into a Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop. account

When you expect a payment from another country, send the payer all details at once. That means: your name exactly as it appears on the account, your account number or IBAN, the BIC ICRAITR1CI3 (or ICRAITR1) and usually your address.

Certain banks also ask for the address of Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop. in Alba, so keep it at hand. A mistake in your account number is more trouble than you might think.

What lands in your account is often lower than what was sent. Fees for incoming transfers differ from bank to bank. On invoices, it is common to state how the fees are split to avoid a shortfall.

What a transfer from Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop. abroad really costs

What you pay for an international transfer is made up of more than one component, and the transfer fee is only the most visible one. On top of a fixed fee, correspondent or intermediary banks can deduct a fee, and if currencies are converted the bank often applies a rate below the actual market rate.

Most of the cost usually sits in the exchange rate, not in the fee: the bank converts at a rate that includes a margin. A simple test: set the bank’s rate against the mid-market rate for the same moment and look at the difference.

Money transfer services often offer rates closer to the mid-market rate with clearer fees. Next time you send money, it is worth comparing the total cost via GoldexPay instead of going straight to your bank. You can still use your account at Banca Alpi Marittime Credito Cooperativo Carru'-Soc.coop. as the source of the money.