Banca di Credit0 Cooperativo di Bellegra S.c.r.l. SWIFT/BIC code

SWIFT/BIC code of Banca di Credit0 Cooperativo di Bellegra S.c.r.l.

ICRAITRR and ICRAITRRAL0 are two spellings of the same SWIFT/BIC code, and both lead to Banca di Credit0 Cooperativo di Bellegra S.c.r.l. in Bellegra. A SWIFT code shows the banks handling a payment which institution should receive the money, much like a postcode for banks. You will need it mostly for transfers between countries or a currency.

On this page you will find what the code means, when it matters and which other details a transfer to or from Banca di Credit0 Cooperativo di Bellegra S.c.r.l. requires. Remember that the SWIFT code only identifies the bank, not the account: the IBAN or account number does that part.

Where our SWIFT data comes from

The directory on GoldexPay is compiled from public sources and is updated regularly. It is possible that a code on this page is no longer current. The number of codes on this page are based on our own data and not on information from Banca di Credit0 Cooperativo di Bellegra S.c.r.l. itself.

Treat our data as a reference, not as the last word. GoldexPay is not affiliated with Banca di Credit0 Cooperativo di Bellegra S.c.r.l., we only compare transfer services. If you notice a mistake, we welcome a short note.

What to give a sender who pays you at Banca di Credit0 Cooperativo di Bellegra S.c.r.l.

For an international payment at Banca di Credit0 Cooperativo di Bellegra S.c.r.l., the person paying you has to have not just the SWIFT code. That means: your full name exactly as it appears on the account, your IBAN or account number, the BIC ICRAITRRAL0 and, often, your address.

The sender’s bank might also ask for the bank address of Banca di Credit0 Cooperativo di Bellegra S.c.r.l.; the head office in Bellegra is usually fine. Double-check each detail before you share them.

Do not be surprised if the amount credited is below the amount on the sender’s receipt. Charges on incoming payments vary per bank – the price list of Banca di Credit0 Cooperativo di Bellegra S.c.r.l. tells you what applies. For business payments, you can state who bears the costs to avoid a shortfall.

Banca di Credit0 Cooperativo di Bellegra S.c.r.l.: head office code versus branch codes

Banca di Credit0 Cooperativo di Bellegra S.c.r.l. has 3 different SWIFT/BIC codes. One of them is the head office code, ICRAITRRAL0; the others identify branches, and sometimes specific services.

Usually there is no need to look up a branch: payments sent to ICRAITRRAL0 reach Banca di Credit0 Cooperativo di Bellegra S.c.r.l. correctly. Only use a branch code when the account holder gives you that exact code.

When in doubt, ask the person you are paying for the exact BIC in their bank details. Branch codes are more prone to be retired than the head office code.

How long does an international transfer to Banca di Credit0 Cooperativo di Bellegra S.c.r.l. take?

An international transfer usually needs anywhere from one to several business days – it depends on currency, route and the banks in between. Weekends and public holidays in the sending or receiving country add a day or more to the journey. Sometimes a bank asks about the purpose of a payment.

Many banks are connected to SWIFT gpi. Every gpi transfer carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Specialist transfer services usually show a status online so you can see where the money has got.

Only the sending bank can start an official trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. Ask the sender for a copy of the payment confirmation including the reference; that often settles the question quickly.

What the XXX in ICRAITRRAL0 means

A BIC is made up of fixed blocks: the first four letters identify the bank, characters five and six show the country and characters seven and eight indicate the location. That gives you ICRAITRR, the short form of the code.

The 11-character version adds three more characters that identify a branch or department. If the last three are XXX, the code points to the head office, which is why ICRAITRRAL0 and ICRAITRR lead to the same place.

Enter the code as one block, in capitals and without separators. A single character may route a payment to a different institution, so check it twice.

Euro (EUR) and conversion costs

The national currency of Italy is the Euro (EUR). When you pay another currency gets converted at some point – by your bank, by Banca di Credit0 Cooperativo di Bellegra S.c.r.l. or by a bank in between. There is rarely a separate charge for that conversion.

Who does the conversion affects how much arrives, since every bank sets its own rate. Sending the amount already in EUR often avoids an extra conversion at the receiving end, provided the rate you get is fair.

The EUR rate changes throughout the day and quotes are often valid only for a short time. For regular payments, a slightly better rate add up over a year.

Euro transfers to Banca di Credit0 Cooperativo di Bellegra S.c.r.l.: is a BIC needed?

Because Italy is in SEPA, a euro payment into Banca di Credit0 Cooperativo di Bellegra S.c.r.l. from within the SEPA area normally requires just an IBAN. Most banking apps do not require the BIC in that case or fill it in for you.

Outside the euro and from non-SEPA countries, ICRAITRRAL0 or ICRAITRR remains required. If your banking app asks for the BIC regardless, entering ICRAITRR does no harm.

SEPA transfers usually arrive by the next business day, and instant transfers in seconds where both banks support them. Charges on SEPA payments tend to be low.

Is ICRAITRR still correct? How to check

The safest 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 does not match ICRAITRR or ICRAITRRAL0, do not guess.

Mistakes in the BIC tend to be costly more than disastrous: often the payment comes back, minus fees. Remember the account number: a mistake there is harder to undo than a wrong BIC.

An automatic check by your bank merely tells you that the code is valid – 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. For a first payment, many people start with a small test amount and wait for confirmation.

Protect yourself against fake payment requests

Scammers often use payment requests with new bank details sent from what looks like a familiar address. A correct SWIFT code says nothing about who owns the account.

Before paying, confirm a change of bank details by phone, using a number you already had. Pressure and requests to keep it quiet are warning signs; a genuine business can wait for you to check. Acted too fast? Call the bank you paid from without delay and ask them to try to recall the payment and report the fraud.

People receiving money can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to send back the difference. Wait until the money has really arrived – ask Banca di Credit0 Cooperativo di Bellegra S.c.r.l. if something looks wrong.

What a transfer from Banca di Credit0 Cooperativo di Bellegra S.c.r.l. abroad really costs

What you pay for an international transfer has several parts – not just the fee on your screen. On top of the transfer fee, banks in between can take a cut, and if the money changes currency, the bank usually uses a rate below the real market rate.

The real cost is often in the rate, not in the fee: the bank converts using an exchange rate that includes a margin. Compare their rate with the mid-market rate.

For many routes, a transfer service turns out to be cheaper than a traditional bank transfer, mainly because of the exchange rate. Next time you send money, take a minute comparing the total cost via GoldexPay. Choosing a specialist does not mean closing your account at Banca di Credit0 Cooperativo di Bellegra S.c.r.l.: you simply pay the service from your account.