Banca Alta Toscana Credito Cooperativo S.c. SWIFT/BIC code

What ICRAITR1 means for a payment to Banca Alta Toscana Credito Cooperativo S.c.

ICRAITR1 and ICRAITR1PM1 are two ways of writing the same SWIFT/BIC code, and both lead to Banca Alta Toscana Credito Cooperativo S.c. in Agliana. Banks worldwide use BIC codes to route international transfers to the correct bank. In daily life you mostly come across the code on invoices from abroad, in payment forms and in the bank details of Banca Alta Toscana Credito Cooperativo S.c. customers.

On this page you will find how the code is put together, when you need it and what else a transfer to or from Banca Alta Toscana Credito Cooperativo S.c. requires. Keep in mind that the BIC just identifies the bank, not the person: the account number or IBAN takes care of that.

The Euro and what conversion costs you

The local currency of Italy is the Euro (EUR). Money sent in a different currency is converted into EUR on its way to Banca Alta Toscana Credito Cooperativo S.c. – and the bank that does it picks the rate. You rarely see a separate line for the conversion.

Who converts the money matters. In many cases it is cheaper if you send EUR directly through a provider with a good rate, so that the receiving bank does not need to convert again.

Exchange rates move during the day. With bigger transfers, even seemingly small gap in the rate can be worth more than the fee.

What the XXX in ICRAITR1PM1 means

A SWIFT code is built from fixed blocks: the first four letters stand for the bank, the next two show the country and the two after that mark the location. That gives you ICRAITR1.

XXX at the end of ICRAITR1PM1 does not stand for a missing value or a mistake: it stands for the main office of Banca Alta Toscana Credito Cooperativo S.c.. Some forms insist on 11 characters, and then you can enter XXX after ICRAITR1.

Type the code as one block, in upper case and without separators. Copying the code is safer than typing it by hand, because one wrong letter changes the bank.

Protect yourself against fake payment requests

Scammers often use fake invoices containing changed bank details, sometimes in an email that looks completely genuine. That ICRAITR1 is a real code does not mean that the account is genuine – fraudsters use real bank codes as well.

Never rely on contact details in the same message that announces the new account. Watch out for urgent requests, odd spelling or a sender address that is slightly off. When a payment was sent to a fraudster, call your bank right away – speed improves the chance of getting it back.

People receiving money are targeted too: a classic trick is an overpayment followed by a request to send back the difference to another account. Wait until the money is actually in your account – ask Banca Alta Toscana Credito Cooperativo S.c. if something looks wrong.

Euro transfers to Banca Alta Toscana Credito Cooperativo S.c.: is a BIC needed?

Since Italy is in SEPA, a euro payment into Banca Alta Toscana Credito Cooperativo S.c. from another SEPA country usually only needs an IBAN. Most banking apps no longer ask for the BIC for these payments.

You still need ICRAITR1PM1 for payments in other currencies or money from outside the SEPA area. If a payment form asks for the BIC regardless, entering ICRAITR1 does no harm.

Instant payments in euros have become widely supported across SEPA. Fees for SEPA payments are generally low, as long as no currency conversion is involved.

Which of the 17 codes of Banca Alta Toscana Credito Cooperativo S.c. do you need?

Having 17 codes, Banca Alta Toscana Credito Cooperativo S.c. belongs to the banks that register individual codes for branches and departments. The main code remains ICRAITR1PM1.

Usually there is no need to look up a branch: transfers sent to ICRAITR1PM1 are routed within Banca Alta Toscana Credito Cooperativo S.c. without problems. If you have been given a branch code, use it as it is instead of replacing it for the head office code.

When in doubt, check with the recipient which code their bank gave them. Codes are sometimes changed or retired when banks reorganise.

Getting paid from abroad into a Banca Alta Toscana Credito Cooperativo S.c. account

Someone abroad who wants to pay you will ask for several details from you – incomplete details often cause delays. What they need is: your name, account number or IBAN, ICRAITR1PM1 and, for some countries, your home address.

Certain sending banks also ask for the bank’s address, so keep it at hand. Check each detail before you share them.

An incoming payment will not always arrive for the full amount. Fees for incoming transfers differ from bank to bank. For business payments, you can agree who bears the costs.

Verifying the SWIFT code of Banca Alta Toscana Credito Cooperativo S.c.

The safest source for the BIC is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. Check it against ICRAITR1 on this page and ask if anything does not match.

Errors in the BIC are costly more than fatal – usually the money comes back, minus fees and time lost. A mistake in the IBAN or account number can be a bigger problem, because the money may be credited to someone else, so check that just as carefully.

A format check in your banking app merely confirms that the IBAN is valid – not that it belongs to the person you mean to pay. Where available, a name check before sending adds an extra layer of safety. For a first payment, some people send a small amount first.

A note on our data

The directory on GoldexPay is compiled from public sources and we update it periodically. Institutions reorganise, change names and retire codes, and a directory never catches every change immediately. Figures such as the number of codes come from our own dataset and are not confirmed by Banca Alta Toscana Credito Cooperativo S.c..

For a payment of any size, always confirm the code with Banca Alta Toscana Credito Cooperativo S.c. or with the recipient. GoldexPay is an independent comparison site for money transfers and not affiliated with Banca Alta Toscana Credito Cooperativo S.c.. Found outdated information? Tell us via our contact form.

Tracking a transfer to or from Banca Alta Toscana Credito Cooperativo S.c.

There is no single answer for every transfer: many arrive within a day, others take several business days. Payments made late in the day or on a weekend or public holiday often go out a business day later. Extra checks by one of the banks can also add a delay.

When a payment takes longer than expected, contact your bank about the status or the UETR; with that reference banks can see where the payment is. Money transfer services usually provide a status online showing where the money is.

If the money does not arrive after a few business days, the sender should contact their own bank, not the receiving bank. As a recipient, you can look at your statements for a partial amount.

Sending money abroad from Banca Alta Toscana Credito Cooperativo S.c.

What you pay for a payment abroad has more than one component, and the transfer fee is only the most visible one. On top of the transfer fee, banks in between may deduct a fee, and if the money changes currency the bank often uses a rate below the actual market rate.

That exchange rate margin is often the largest item, and it is easy to miss. Compare the rate you are offered with the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

For many currency pairs, a transfer service turns out to be cheaper than a bank – mostly thanks to the rate. Before your next transfer, it is worth comparing what arrives on GoldexPay. Choosing a specialist does not mean leaving Banca Alta Toscana Credito Cooperativo S.c..