Banca del Catanzarese - Credito Cooperativo - Soc. Coop. SWIFT/BIC code

Banca del Catanzarese - Credito Cooperativo - Soc. Coop. SWIFT code: ICRAITR1

ICRAITR1 and ICRAITR1UB3 are the short and the long form of the same SWIFT/BIC code, and both point to Banca del Catanzarese - Credito Cooperativo - Soc. Coop. in Carlopoli. Every bank on the SWIFT network uses these codes to route international transfers to the right institution. It comes up mainly when dealing with transfers between countries.

On this page you will find what the code is put together, when you need it and what else you need for a transfer to or from Banca del Catanzarese - Credito Cooperativo - Soc. Coop.. Keep in mind that the BIC only identifies the bank, not the account: the account number or IBAN takes care of that.

Head office or branch code at Banca del Catanzarese - Credito Cooperativo - Soc. Coop.?

Banca del Catanzarese - Credito Cooperativo - Soc. Coop. has 3 separate SWIFT/BIC codes across 3 cities. One of them is the head office code; the rest belong to branches or departments.

Unless the recipient tells you otherwise, go with ICRAITR1UB3 or its short form ICRAITR1. Only use a branch code when the recipient gives you that exact code, for example on a letter or invoice.

Unsure which code to use? Ask the recipient. Branch codes are more likely to change than the head office code.

When will the money arrive at Banca del Catanzarese - Credito Cooperativo - Soc. Coop.?

There is no single delivery time for international payments: some land the same day or the next, others take several business days. Weekends and public holidays in the sending or receiving country can add a day or more. Sometimes a bank wants to know what the payment is for, which can hold things up.

When a payment takes longer than expected, ask the sending bank for the status and the transaction reference. Keep the payment confirmation until the recipient confirms – you will need it for any trace request.

If a payment has not arrived after a few business days, the sender should contact the bank that sent it rather than Banca del Catanzarese - Credito Cooperativo - Soc. Coop.. On the receiving end, you can look at your account to see a partial amount because fees can reduce the amount.

Euro (EUR) and conversion costs

Most accounts at Banca del Catanzarese - Credito Cooperativo - Soc. Coop. are usually held in EUR, the national currency of Italy. If you send another currency gets converted at some point: by your bank, an intermediary or Banca del Catanzarese - Credito Cooperativo - Soc. Coop. itself. Each conversion costs the amount, even when no fee is shown.

Who converts the money matters: every bank has its own margin. Often you pay less if you send EUR directly via a transfer service with a good rate.

The rate for EUR fluctuates throughout the day. If you pay regularly, small differences in the rate add up over time.

Do you need ICRAITR1 for a SEPA transfer?

Inside SEPA, euro payments to an account in Italy follow the same rules. The BIC field is often optional for those payments.

You will still need ICRAITR1UB3 for non-euro payments or money from outside the SEPA area. Some banks and apps also show a field for the BIC; if so, fill in ICRAITR1.

Instant payments in euros have become increasingly available across SEPA – whether Banca del Catanzarese - Credito Cooperativo - Soc. Coop. offers them for your account is worth checking. Charges on SEPA payments are generally low as long as everything stays in euros.

Protect yourself against fake payment requests

Be alert if someone unexpectedly asks you to send money to a different account. The fact that ICRAITR1 exists is no guarantee that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Never trust a phone number from the same email that contains the new account. Pressure and requests to keep it quiet tend to be warning signs. Already paid? Contact the bank you paid from straight away and have them start a recall.

Fraud can also target the receiver: someone sends more than agreed and asks you to return the difference. A screenshot of a transfer proves nothing – check your own account.

What to give a sender who pays you at Banca del Catanzarese - Credito Cooperativo - Soc. Coop.

For a transfer from abroad at Banca del Catanzarese - Credito Cooperativo - Soc. Coop., the sender needs not just the BIC. The basics are: your name, IBAN or account number, ICRAITR1UB3 or ICRAITR1 and in many cases your home address.

It helps to include Banca del Catanzarese - Credito Cooperativo - Soc. Coop. and Carlopoli too, because some payment forms have separate fields for them. Double-check the details before you send them, because the sender’s bank usually copies them as is.

What lands in your account is often lower than what was sent. Charges on incoming payments vary from bank to bank. For business payments, you can agree how the fees are split, so that nobody is left short.

What the XXX in ICRAITR1UB3 means

A SWIFT code is made up of fixed blocks: characters one to four identify the bank, characters five and six show the country and characters seven and eight indicate the location. For Banca del Catanzarese - Credito Cooperativo - Soc. Coop., the 8-character core is ICRAITR1.

The long version has a three-character extension that identify a branch or department. If the last three are XXX, they simply mean the head office, which is why ICRAITR1UB3 and ICRAITR1 lead to the same place.

Enter the code in one piece, in capitals and without spaces. Copying the code beats retyping it, because one wrong letter changes the bank.

About this information

The details on this page are taken from public sources that we update regularly. It is possible that information here is out of date, for example after a merger. Counts and locations are from our own dataset and are not confirmed by Banca del Catanzarese - Credito Cooperativo - Soc. Coop..

See the information here as a helpful check. GoldexPay is independent of Banca del Catanzarese - Credito Cooperativo - Soc. Coop.; we are a comparison site for money transfers. Found outdated information? Let us know via our contact form so we can correct it.

Is ICRAITR1 still correct? How to check

The safest source for the BIC is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. When the code you were given differs from ICRAITR1 or ICRAITR1UB3, stop and ask: check with the recipient or with Banca del Catanzarese - Credito Cooperativo - Soc. Coop. directly.

With a wrong code, the payment might get stuck, bounce back or end up costing more – sometimes after weeks of searching. Remember the IBAN: an error there can be harder to undo than a wrong BIC.

An automatic check by your bank only tells you that the code exists – not that it belongs to the person you mean to pay. More and more banks compare the name with the account – do not ignore a mismatch warning. When you pay someone new, many people send a small test amount.

International transfers from Banca del Catanzarese - Credito Cooperativo - Soc. Coop.: the real cost

The price of an international transfer has several parts, and the transfer fee is only the most visible one. You pay the transfer fee, sometimes charges from correspondent banks in between and, above all, the exchange rate markup if the currency changes.

Many banks rarely list their exchange rate markup separately, but you pay it all the same. An easy check: set the bank’s rate next to the mid-market rate and look at the difference.

For a lot of currency pairs, a specialist provider is cheaper than a bank, mainly because of the exchange rate. GoldexPay compares the amount that arrives across services, so you can pick the cheapest route. Using a transfer service does not mean closing your account at Banca del Catanzarese - Credito Cooperativo - Soc. Coop.: you simply pay the service from your account.