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

The short code ICRAITR1 and the full code ICRAITR1OU2 identify the same bank: Banca di Carnia e Gemonese-Credito Cooperativo Societa' Cooperativa in Arta Terme, Italy. The code does one job: it ensures that an international payment ends up at the right bank. It comes up mostly for transfers between countries and payments in foreign currencies.

Below you will find the practical questions: money coming in from abroad, paying someone in another country and how to check the code before you hit send. Keep in mind that the SWIFT code just identifies the bank, not the account: the IBAN or account number takes care of that.

Watch out for payment fraud

Stay alert if someone suddenly wants you to send money to another account. A real SWIFT code tells you nothing about who owns the account.

Check new payment details via a separate channel, not by replying to the message. Watch out for time pressure, odd spelling or an email address that differs by one letter. If money has already gone to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

Fraud also work the other way: someone claims to have sent more than agreed and wants you to return the difference to a new account. A screenshot of a transfer is no proof; only your own account shows what has arrived.

Before you send: check the Banca di Carnia e Gemonese-Credito Cooperativo Societa' Cooperativa code

The most reliable source for the BIC is the bank details provided by the recipient. If the code you have does not match ICRAITR1 or ICRAITR1OU2, do not guess – contact the recipient or Banca di Carnia e Gemonese-Credito Cooperativo Societa' Cooperativa.

An incorrect BIC can cause delays, a payment being sent back or extra fees along the way. A mistake in the account number is a bigger problem because it can reach the wrong person.

A format check by your bank merely confirms that the code exists – not that it belongs to the person you mean to pay. If your bank offers it, a payee name check before sending gives an extra layer of safety. When you pay someone new, some people start with a small amount first and wait for confirmation.

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

When you transfer money abroad from Banca di Carnia e Gemonese-Credito Cooperativo Societa' Cooperativa, the visible fee is rarely all of what you pay. You pay the transfer fee, sometimes fees charged by intermediary banks in between and, most importantly, the exchange rate markup.

That exchange rate margin is often the largest item even though it is not listed as a fee. Check the rate you are offered 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 a lot of routes, a specialist provider is cheaper than a traditional bank transfer – mostly thanks to the rate. Before your next transfer, take a minute comparing the total cost via GoldexPay instead of going straight to your bank. Choosing a specialist does not mean closing your account at Banca di Carnia e Gemonese-Credito Cooperativo Societa' Cooperativa – you pay the provider from your own account.

ICRAITR1 or ICRAITR1OU2 – which one to use?

A SWIFT code is made up of a few fixed parts: the first four letters stand for the bank, characters five and six give the country and the two after that mark the location. Together, those parts form ICRAITR1 – the version you usually see online.

XXX at the end of ICRAITR1OU2 does not stand for a placeholder or a mistake: it indicates the main office of Banca di Carnia e Gemonese-Credito Cooperativo Societa' Cooperativa. Certain payment forms insist on 11 characters, and then you simply enter XXX behind ICRAITR1.

Type the code as one block, in capitals and without spaces. A single character can send a payment to a different institution, so copy it carefully.

About this information

The directory on GoldexPay draws on public sources. Even so, banks merge, rename themselves or retire codes and our data may lag behind. The figures we show reflect our own data, not official figures from Banca di Carnia e Gemonese-Credito Cooperativo Societa' Cooperativa.

Use our data as a reference, not as the last word – the bank details from the recipient are leading. We are an independent comparison service for money transfers and not affiliated with Banca di Carnia e Gemonese-Credito Cooperativo Societa' Cooperativa. Should you notice a mistake, we appreciate a short note.

The Euro and what conversion costs you

The local currency in Italy is the Euro (EUR). When you pay money in a different currency, the amount has to be converted somewhere along the way – by your bank, by Banca di Carnia e Gemonese-Credito Cooperativo Societa' Cooperativa or by a bank in between. Every conversion costs something.

Who converts the money matters, because each party uses its own rate. Sending the money already in EUR often avoids an extra conversion at the receiving end, provided the rate you get is fair.

Rates for EUR change all the time – some services let you fix a rate in advance. If you pay regularly, a slightly better rate add up over a year.

Do you need ICRAITR1 for a SEPA transfer?

Inside SEPA, euro transfers to Banca di Carnia e Gemonese-Credito Cooperativo Societa' Cooperativa use the same rules, so the IBAN does the job in most cases. The BIC field is usually optional or missing for those payments.

For anything other than euros and from non-SEPA countries, ICRAITR1OU2 is still part of the payment details. If your banking app has a field for the BIC regardless, adding ICRAITR1 is fine.

Euro payments within SEPA normally land within one business day. Provided no currency is converted, the transfer tends to be cheap.

Choosing between the 11 SWIFT codes of Banca di Carnia e Gemonese-Credito Cooperativo Societa' Cooperativa

Banca di Carnia e Gemonese-Credito Cooperativo Societa' Cooperativa uses 11 separate SWIFT/BIC codes across 11 locations. One of them is the head office code, ICRAITR1OU2; the rest belong to branches or departments, and sometimes specific services.

For the vast majority of payments to a private or business account, the head office code ICRAITR1OU2 is what you need. Only use a branch code when your contact explicitly asks for it, for example on a letter or invoice.

Unsure which code applies? Ask the recipient, or look at a recent statement from Banca di Carnia e Gemonese-Credito Cooperativo Societa' Cooperativa. Branch codes are more likely to change than the head office code.

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

Someone abroad who wants to pay you will ask for a few details about your account. Share the account holder’s name, your account number or IBAN, SWIFT code ICRAITR1OU2 and your address.

Some sending banks also ask for the bank’s address; it does no harm to include it. A mistake in your account number is more trouble than it looks.

Do not be surprised if the incoming amount is below the amount on the sender’s receipt. Fees for incoming transfers differ from bank to bank; check the price list of Banca di Carnia e Gemonese-Credito Cooperativo Societa' Cooperativa. For business payments, you can agree who bears the costs, so that nobody is left short.

Transfer times and tracking a payment to Banca di Carnia e Gemonese-Credito Cooperativo Societa' Cooperativa

There is no fixed answer for every transfer: many arrive within a day. Weekends and public holidays in either country add a day or more to the journey. Extra checks by one of the banks may also cause some delay, even when all details are correct.

Many banks use SWIFT gpi. Each gpi transfer carries a unique reference, the UETR, which your bank can use to see where the money is. Money transfer services usually show tracking online so you can see where the payment has got.

If the money does not arrive within the expected time, the person who paid needs to contact their own bank rather than Banca di Carnia e Gemonese-Credito Cooperativo Societa' Cooperativa. On the receiving end, you can check your account to see a slightly lower amount because fees can reduce the amount.