Banca di Andria Credito Cooperativo-Soc.coop. SWIFT/BIC code

SWIFT/BIC code of Banca di Andria Credito Cooperativo-Soc.coop.

ICRAITR1 and ICRAITR1UL1 are two spellings of the same bank identifier, and both lead to Banca di Andria Credito Cooperativo-Soc.coop. in Andria. Banks worldwide use BIC codes to direct payments between countries to the right institution. You will need it mostly when dealing with transfers between countries or a currency.

On this page you can read how the code means, when you need it and what else a transfer to or from Banca di Andria Credito Cooperativo-Soc.coop. requires. The SWIFT code on its own cannot identify an individual account holder; that is what the IBAN or account number is for.

Verifying the SWIFT code of Banca di Andria Credito Cooperativo-Soc.coop.

The most reliable source for a SWIFT code is the recipient’s own bank details. Compare it against ICRAITR1 here.

Mistakes in the SWIFT code tend to be annoying more than disastrous. Do not forget the IBAN: an error there can be more difficult to correct than a wrong code.

Many banking apps validate the format of IBANs – that confirms the format, not the owner. If your bank offers it, a name check before sending adds extra certainty. When you pay someone new, some people start with a small amount first.

ICRAITR1 or ICRAITR1UL1 – which one to use?

A SWIFT code is built from fixed blocks: characters one to four identify the bank, characters five and six give the country and the two after that indicate the location. Combined, those parts form ICRAITR1.

XXX at the end of ICRAITR1UL1 does not stand for a missing value or a mistake: it indicates the main office of Banca di Andria Credito Cooperativo-Soc.coop.. Certain payment forms ask for 11 characters, in which case you simply enter XXX behind ICRAITR1.

In practice the code is typed in capitals and without spaces. A wrong character can send the money to a different institution, so check it twice.

Tracking a transfer to or from Banca di Andria Credito Cooperativo-Soc.coop.

There is no fixed answer for international payments: many land the same day or the next while others need several business days. Bank holidays in either country add a day or more. Extra checks on larger or unusual payments can also cause some delay, regardless of the details.

If a transfer is delayed, contact the sending bank for the tracking status. Specialist transfer services usually show tracking online showing how far the payment is.

If a payment has not arrived after a few business days, the person who paid needs to contact the bank that sent it rather than Banca di Andria Credito Cooperativo-Soc.coop.. Ask the sender for the payment receipt with the date and reference; that often settles the question quickly.

A note on our data

The codes on this page come from public sources. Still, banks merge or change codes, so information can be out of date. The number of codes we show reflect our own data.

Treat this page as a reference, not as the final word. GoldexPay is independent of Banca di Andria Credito Cooperativo-Soc.coop.; we are a comparison site for money transfers. Found an error? Let us know via our contact form and we will look into it.

What a transfer from Banca di Andria Credito Cooperativo-Soc.coop. abroad really costs

A bank transfer abroad can cost rather more than the listed fee. Besides the transfer fee, correspondent or intermediary banks may take a cut, and when the money changes currency, the bank often uses a rate that is less favourable than the real market rate.

That exchange rate margin tends to be the biggest item, and it is easy to miss. Check their rate against the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

For many currency pairs, a transfer service is less expensive than a traditional bank transfer, mainly because of the exchange rate. GoldexPay lists transfer providers next to each other so you can see what actually arrives. Using a transfer service does not require closing your account at Banca di Andria Credito Cooperativo-Soc.coop..

Sending EUR to Banca di Andria Credito Cooperativo-Soc.coop.

Accounts at Banca di Andria Credito Cooperativo-Soc.coop. are typically held in EUR, the local currency. When you pay another currency gets converted at some point – by your bank, by Banca di Andria Credito Cooperativo-Soc.coop. or by a bank in between. There is rarely a separate line for the conversion.

Who converts the payment matters: every bank has its own margin. Compare how much EUR the recipient gets via several services before choosing one.

Rates for EUR move during the day. For regular payments, a slightly better rate make a real difference over a year.

Choosing between the 2 SWIFT codes of Banca di Andria Credito Cooperativo-Soc.coop.

Our directory lists 2 SWIFT/BIC codes for Banca di Andria Credito Cooperativo-Soc.coop. in 1 cities. Besides the head office code ICRAITR1UL1, there are codes for branches, departments or specific services.

Usually you do not need to look up a branch: transfers sent to ICRAITR1UL1 reach Banca di Andria Credito Cooperativo-Soc.coop. without problems. A branch code only makes sense if the recipient’s bank explicitly asks for it, which is more common for business accounts and trade services.

When in doubt, check with the recipient for the exact BIC in their bank details. Codes are sometimes changed or retired over time.

Changed bank details? Be careful

Scammers regularly send payment requests containing new bank details. The fact that ICRAITR1 exists is no guarantee that the account is legitimate – fraudsters use real bank codes as well.

Do not trust a phone number in the same message that contains the change. Urgency and secrecy tend to be warning signs – a real supplier can wait a day. If money has already gone to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

People receiving money are targeted too: one known trick is an overpayment and then sends a request to refund the difference. Do not act before the money has really arrived – ask Banca di Andria Credito Cooperativo-Soc.coop. if something looks wrong.

Incoming international payments to Banca di Andria Credito Cooperativo-Soc.coop.

Someone abroad who wants to pay you will ask for a few details from you. Share the account holder’s name, the IBAN or account number, SWIFT code ICRAITR1UL1 and your address.

You can include Banca di Andria Credito Cooperativo-Soc.coop. and Andria as well. A mistake in your account number can be harder to fix than you might think.

Do not be surprised if the incoming amount is smaller than the amount on the sender’s receipt. Charges on incoming payments differ from bank to bank; check the price list of Banca di Andria Credito Cooperativo-Soc.coop.. Make clear with the sender who pays which costs, especially for larger amounts.

SEPA payments and the Banca di Andria Credito Cooperativo-Soc.coop. BIC

Italy is a member of the Single Euro Payments Area (SEPA). When you send euros from another SEPA country, the IBAN is usually enough.

For anything other than euros and for senders outside SEPA, ICRAITR1UL1 is still part of the payment details. If a payment form asks for the BIC anyway, adding ICRAITR1 is fine.

SEPA transfers normally land within one business day, and instant transfers in seconds where both banks support them. As long as no currency is converted, a SEPA transfer tends to be cheap.