Banca di Carnia e Gemonese Credito Cooperativo SWIFT/BIC code

SWIFT/BIC code of Banca di Carnia e Gemonese Credito Cooperativo

Whether you are given ICRAITR1 or ICRAITR1OU3, you are looking at the same identifier for Banca di Carnia e Gemonese Credito Cooperativo in Italy. A SWIFT code tells every bank in the chain which institution is meant to get the money. In practice you usually come across it on invoices from abroad, in payment forms and in the bank details of Banca di Carnia e Gemonese Credito Cooperativo customers.

Further down we go through the practical side: receiving money at Banca di Carnia e Gemonese Credito Cooperativo, paying someone in another country and how to verify a SWIFT code before you hit send. A SWIFT code identifies a bank or branch, never a single account; the IBAN or account number does that.

Do you need ICRAITR1 for a SEPA transfer?

Italy is a member of the Single Euro Payments Area (SEPA), the zone for standardised euro payments. For a standard euro transfer from another SEPA country, the IBAN is usually enough.

A SWIFT code like ICRAITR1 still matter when the currency is not euros, and for transfers from outside SEPA. Some banks and apps still show a field for the BIC; in that case, enter ICRAITR1 or ICRAITR1OU3.

Instant payments in euros are widely supported within SEPA; check with Banca di Carnia e Gemonese Credito Cooperativo whether it applies to your account. Provided no currency is converted, the transfer tends to be cheap; costs rise once a conversion is involved.

International transfers from Banca di Carnia e Gemonese Credito Cooperativo: the real cost

A bank transfer abroad costs more than the fee suggests. There is the fee for the transfer itself, sometimes charges from correspondent banks along the way and, most importantly, the exchange rate markup when the money is converted.

The real cost is often in the rate, rather than in the fee: the bank converts using an exchange rate that includes a margin. A simple test: set the bank’s rate next to the mid-market rate for the same moment and work out the difference on your amount.

For a lot of currency pairs, a specialist provider turns out to be less expensive than a traditional bank transfer, mainly because of the exchange rate. GoldexPay compares what recipients receive with different providers. Choosing a specialist does not mean leaving Banca di Carnia e Gemonese Credito Cooperativo: you simply pay the service from your account.

ICRAITR1 or ICRAITR1OU3 – which one to use?

A BIC is made up of a few fixed parts: the first four letters stand for the bank, characters five and six give the country and characters seven and eight indicate the location. Combined, these eight characters form ICRAITR1 – the version you usually see online.

XXX at the end of ICRAITR1OU3 does not stand for a placeholder or an error: it indicates the main office of Banca di Carnia e Gemonese Credito Cooperativo. Some forms ask for 11 characters, and then you can enter XXX behind ICRAITR1.

Type the code as one block, in capitals and without spaces, exactly as shown here. Pasting the code beats retyping it, because one wrong letter changes the bank.

Before you send: check the Banca di Carnia e Gemonese Credito Cooperativo code

The most reliable place for the correct BIC is paperwork issued by the bank, such as a statement or the account details in online banking. Check it against ICRAITR1 on this page; if they differ, ask before you pay.

If the code is wrong, the transfer might be delayed, be returned or cost extra, and tracing it can take weeks. A mistake in the IBAN or account number can be a bigger problem because it can reach the wrong person, so check that just as carefully.

Most online banking apps validate the structure of an IBAN and sometimes look up the BIC automatically – that confirms the format, not the owner. More and more banks compare the name with the account before you confirm. A small test payment is a sensible step for large sums.

About this information

This directory is compiled from publicly available sources and is updated regularly. Even so, banks merge, rename themselves or change codes. The number of codes we show reflect our own data and not on information from Banca di Carnia e Gemonese Credito Cooperativo itself.

See the information here as a handy check and rely on the recipient or Banca di Carnia e Gemonese Credito Cooperativo for the final confirmation. GoldexPay is a comparison service and not part of Banca di Carnia e Gemonese Credito Cooperativo. Spotted outdated information? Let us know through the contact page so we can correct it.

What to give a sender who pays you at Banca di Carnia e Gemonese Credito Cooperativo

For a transfer from abroad at Banca di Carnia e Gemonese Credito Cooperativo, the sender has to have not just the BIC. Give them your name as the bank knows it, the IBAN or account number, the BIC ICRAITR1OU3 and your address, which some banks require.

It helps to add Banca di Carnia e Gemonese Credito Cooperativo and its city too. A typo in your account number can be more trouble than it looks.

Money from abroad will not always land for the full amount. Correspondent banks can take a fee, Banca di Carnia e Gemonese Credito Cooperativo may charge for incoming payments, and if the money is converted, a markup on the rate applies. Agree with the sender who covers the fees.

The Euro and what conversion costs you

Italy pays in the Euro, with the currency code EUR. A payment in a foreign currency is converted into EUR on its way to Banca di Carnia e Gemonese Credito Cooperativo – and the bank that does it picks the rate. There is rarely a separate line for that conversion; it is built into the rate.

Which bank converts the payment matters, because each party uses its own rate. Often you pay less if you send EUR directly via a provider with a good rate.

Exchange rates change during the day, and some providers let you lock in a rate. If you pay regularly, small differences in the rate add up over a year.

How long does an international transfer to Banca di Carnia e Gemonese Credito Cooperativo take?

There is no single delivery time for every transfer: some arrive within a day while others need several business days. Weekends and public holidays in either country add a day or more. Sometimes a bank wants to know about the purpose of a payment, which can hold things up.

Many banks are connected to SWIFT gpi. Each gpi transfer gets a unique reference, the UETR that banks can use to trace it. Save your transfer receipt until the recipient confirms.

A delayed transfer has to be traced from the sending side on the basis of the transfer details. As a recipient, it helps to check your statements for a slightly lower amount.

Which of the 2 codes of Banca di Carnia e Gemonese Credito Cooperativo do you need?

Our database contains 2 SWIFT/BIC codes for Banca di Carnia e Gemonese Credito Cooperativo in 2 places. Besides the head office code ICRAITR1OU3, you will find codes for regional offices and specialised units.

In most cases you do not need to look up a branch: payments addressed to ICRAITR1OU3 are routed within Banca di Carnia e Gemonese Credito Cooperativo without problems. When you receive a branch code, use it as it is instead of replacing it for the head office code.

The safest route is to take the code straight from the account holder’s invoice. Codes can change over time.

Protect yourself against fake payment requests

Fraudsters regularly send fake invoices with changed bank details. That ICRAITR1 is a real code does not mean that a request mentioning it is genuine.

Check new payment details via a different channel like a call to a number from an earlier contract, never via the email that asked for the change. Pressure or requests to keep it quiet tend to be red flags – a real supplier can wait a day. When a payment has already gone to a fraudster, call your bank right away.

Fraud can also work the other way: someone claims to have sent too much and wants you to refund the difference. Wait until the money is actually in your account and check with Banca di Carnia e Gemonese Credito Cooperativo if anything seems off.