Banca di Carnia e Gemonese-Credito Cooperativo Societa Cooperativa SWIFT/BIC code

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

ICRAITR1 and ICRAITR1OUD are two ways of writing the same bank identifier, and both point to Banca di Carnia e Gemonese-Credito Cooperativo Societa Cooperativa in Rigolato. A SWIFT code shows the banks handling a payment exactly which bank should receive the money. In practice you usually see the code on invoices from abroad, in your banking app and on the account details of Banca di Carnia e Gemonese-Credito Cooperativo Societa Cooperativa customers.

This page is meant to help anyone who receives money at an account at Banca di Carnia e Gemonese-Credito Cooperativo Societa Cooperativa without mistakes. Remember that the SWIFT code just identifies the bank, not the person: the IBAN or account number takes care of that.

Head office or branch code at Banca di Carnia e Gemonese-Credito Cooperativo Societa Cooperativa?

Our directory lists 2 SWIFT/BIC codes for Banca di Carnia e Gemonese-Credito Cooperativo Societa Cooperativa in 2 places. Next to the head office code ICRAITR1OUD, you will find codes for regional offices and specialised units.

Usually there is no need to pick a branch: payments addressed to ICRAITR1OUD are routed within Banca di Carnia e Gemonese-Credito Cooperativo Societa Cooperativa without problems. When you receive a branch code, stick to it instead of replacing it with the head office code.

The best way is to copy the code straight from the recipient’s invoice. Codes can change over time, so do not rely on old paperwork.

Sending EUR to Banca di Carnia e Gemonese-Credito Cooperativo Societa Cooperativa

Italy pays in the Euro (EUR). Money sent in a different currency will be converted into EUR on its way to Banca di Carnia e Gemonese-Credito Cooperativo Societa Cooperativa – and the bank that does it picks the rate. There is rarely a separate charge for that conversion; it is built into the rate.

Which bank converts the payment makes a difference. Compare how much EUR arrives with several services; the difference between options can be larger than you expect.

The EUR rate changes constantly. If you pay regularly, a slightly better rate add up over time.

Watch out for payment fraud

Fraudsters regularly use payment requests with changed bank details sent from what looks like a familiar address. That ICRAITR1 is a real code does not mean that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Always confirm changed bank details by phone. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. Already paid? Contact the bank you paid from straight away and ask them to try to recall the payment.

Fraud can also target the receiver: someone claims to have sent more than agreed and wants you to return the extra to a new account. A payment confirmation from the sender is no proof.

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

There is no single delivery time for international payments: many arrive the same day or the next, others take several business days. Transfers sent after the cut-off time or just before a weekend or public holiday usually go out a business day later. Sometimes a bank asks about the purpose of a payment before releasing it.

When a payment takes longer than expected, ask the sending bank for the status or the UETR; with that reference banks can see where the payment is. Save your transfer receipt; it contains the details a bank needs to start a trace.

If a payment has not arrived after a few business days, the person who paid should start with the bank that sent it. Request from the sender a copy of the payment confirmation with the date and reference; that often settles the question quickly.

What a transfer from Banca di Carnia e Gemonese-Credito Cooperativo Societa Cooperativa abroad really costs

A bank transfer abroad can cost more than the fee suggests. On top of a fixed fee, banks in between may take a cut, and when the money changes currency the bank often applies a rate that is less favourable than the real market rate.

Most of the cost usually sits in the exchange rate: many banks convert using an exchange rate that includes a margin. A simple test: set the bank’s rate against the mid-market rate for the same moment and work out the difference on your amount.

Specialised transfer providers often offer a rate near the mid-market rate and lower fees. Next time you send money, it is worth to compare the total cost via GoldexPay instead of going straight to your bank. You can always use your account at Banca di Carnia e Gemonese-Credito Cooperativo Societa Cooperativa to fund the transfer; only the conversion and sending happen elsewhere.

SEPA payments and the Banca di Carnia e Gemonese-Credito Cooperativo Societa Cooperativa BIC

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

The BIC still come into play for payments in other currencies and when the money comes from outside SEPA. Some forms still ask for the BIC; if so, enter ICRAITR1.

Instant euro transfers are widely available within SEPA. As long as the payment stays in euros, a SEPA transfer tends to be inexpensive.

Getting paid from abroad into a Banca di Carnia e Gemonese-Credito Cooperativo Societa Cooperativa account

Someone abroad who wants to pay you needs several details about your account. The basics are: your name, IBAN or account number, ICRAITR1OUD or ICRAITR1 and, for some countries, your home address.

Their bank might also ask for the address of your bank, in which case the Rigolato head office is the usual answer. A mistake in the IBAN can be harder to fix than you might think.

Expect that the incoming amount is smaller than the amount on the sender’s receipt. Charges on incoming payments vary from bank to bank. Agree with the sender who covers the fees before the money is sent.

How to check ICRAITR1 before you pay

The most reliable source for a SWIFT code is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. If the code you have differs from ICRAITR1 or ICRAITR1OUD, do not guess: check with the recipient or with Banca di Carnia e Gemonese-Credito Cooperativo Societa Cooperativa directly.

A wrong SWIFT code can cause delays, a returned payment or extra fees for investigation. An error in the IBAN or account number can be a bigger problem, so check that just as carefully.

Many banking apps check the structure of an IBAN and sometimes look up the BIC automatically. If your bank offers it, a name check before sending gives extra certainty. A small test payment can be worth it for large sums despite the extra fee.

About this information

The details here are taken from public sources. Institutions reorganise, close branches and change codes. The figures on this page are based on our own data.

Treat our directory on this page as a handy check and rely on the recipient or Banca di Carnia e Gemonese-Credito Cooperativo Societa Cooperativa for the final confirmation. GoldexPay is independent of Banca di Carnia e Gemonese-Credito Cooperativo Societa Cooperativa, we only compare transfer services. Spotted an error? Tell us via our contact form so we can correct it.

8 or 11 characters: ICRAITR1 versus ICRAITR1OUD

Each SWIFT/BIC code starts with an 8-character core: a four-letter bank code, two letters for the country and two characters for the location. Combined, those parts form ICRAITR1, the code most people search for.

Most banks and apps accept both lengths. If yours requires eleven characters, enter ICRAITR1OUD, otherwise ICRAITR1 is fine.

Enter the code as one block, in capitals and without separators, exactly as shown here. A wrong letter may route a payment to another bank, so copy it carefully.