Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa SWIFT/BIC code

ICRAITR1 – the SWIFT/BIC code of Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa

If an invoice shows ICRAITR1 or ICRAITR1FZ2, you are looking at the identical address for Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa in Italy. A SWIFT code tells every bank in the chain exactly which bank should receive the money, much like a postcode for banks. It comes up mostly when dealing with transfers between countries or a currency.

Further down you will find the practical questions: receiving money at Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa, paying someone in another country and how to verify a SWIFT code before you hit send. Keep in mind that the BIC only identifies the bank, not the account: the IBAN or account number does that part.

How up to date is this code?

The codes on this page are taken from publicly available data that we update regularly. Institutions reorganise, close branches and retire codes. Figures such as the number of codes come from our own dataset and may differ from what Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa publishes.

Use this page as a starting point, not as the last word: the recipient’s bank details come first. GoldexPay is independent of Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa, we only compare transfer services. Spotted an error? Let us know via our contact form and we will look into it.

Changed bank details? Be careful

One of the most common tricks works like this: an email arrives with a message saying that a contact has new bank details and that the next payment should go there. The fact that ICRAITR1 exists does not mean that the account is genuine; criminals use the codes of real banks too.

Verify new payment details via a separate channel like a call to a number from an earlier contract, not by replying to the message. Watch out for urgent requests, odd spelling or an email address that differs by one letter. Acted too fast? Contact the bank you paid from without delay and ask them to start a recall and report the fraud.

Recipients are targeted too: a classic trick is an overpayment and then sends a request to send back the difference to another account. Do not act before the money is actually in your account.

What a transfer from Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa abroad really costs

What you pay for a payment abroad has more than one component. There is the fee for the transfer itself, sometimes charges from correspondent banks in between and, above all, the margin on the exchange rate when the money is converted.

The real cost is often in the rate, rather than in the fee: the bank converts at a rate with a margin built in. Compare their rate with the mid-market rate – the rate you find on financial news sites.

Specialist money transfer services frequently use a rate near the mid-market rate and lower fees. Before your next transfer, it is worth to compare what arrives on GoldexPay instead of going straight to your bank. Choosing a specialist does not require closing your account at Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa – you pay the provider from your own account.

Euro transfers to Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa: is a BIC needed?

Inside SEPA, euro payments to Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa use common rules, so the IBAN does the job in most cases. A field for the BIC is usually optional or missing for those payments.

The BIC still matter when the currency is not euros. Some banks and apps still ask for the BIC; if so, fill in ICRAITR1.

Instant payments in euros have become increasingly available within SEPA; check with Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa whether it applies to your account. Provided the payment stays in euros, a SEPA transfer tends to be cheap; costs rise once a conversion is involved.

Verifying the SWIFT code of Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa

Have the recipient copy the account details straight from a recent statement. When the code you were given does not match ICRAITR1 or ICRAITR1FZ2, do not guess.

A wrong SWIFT code can cause delays, a returned payment or extra fees. Do not forget the account number: an error there is more difficult to undo than a wrong BIC.

An automatic check in your banking app merely tells you that the IBAN is valid – not that it belongs to the person you mean to pay. More and more banks compare the name against the account; take any warning seriously. A small test payment can be worth it for a large first payment.

When will the money arrive at Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa?

An international transfer usually needs anywhere from one to several business days, depending on the currency, the route and the banks involved. Weekends and public holidays in either country add extra days. Compliance checks on larger or unusual payments can also add some delay, regardless of the details.

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

A missing payment has to be investigated from the sending side. On the receiving end, it helps to check your statements for a partial amount, since fees may have been deducted.

Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa: head office code versus branch codes

Our database contains 22 SWIFT/BIC codes for Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa in 15 places. Next to the head office code ICRAITR1FZ2, you will find codes for regional offices and specialised units.

For most payments to a private or business account, the head office code ICRAITR1FZ2 is the right choice. Only use a branch code when your contact explicitly asks for it.

Not sure which code to use? Check with the recipient, or look at a recent statement from Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa. Branch codes can change when banks reorganise, so do not rely on old paperwork.

What to give a sender who pays you at Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa

To receive an international payment into your account at Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa, the person paying you needs more than the BIC. The basics are: the account holder’s name, account number or IBAN, ICRAITR1FZ2 or ICRAITR1 and, for some countries, your postal address.

Certain sending banks want the name and address of Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa. Double-check the details before you send them, because the sender’s bank usually copies them as is.

The amount you receive can be lower than the amount sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin applies. Make clear with the sender who covers the fees.

Euro (EUR) and conversion costs

The currency in Italy is the Euro (EUR). Money sent in a different currency will be converted into EUR on its way to Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa – and the bank that does it picks the rate. Every conversion costs something – usually through the rate rather than a fee.

Which bank converts the money matters: every bank has its own margin. Sending the money directly in EUR often avoids an extra conversion by Banca di Credito Cooperativo Agro Bresciano Societa' Cooperativa.

Rates for EUR change all the time, and some providers let you lock in a rate. On larger amounts, even small difference in the rate adds up quickly.

What the XXX in ICRAITR1FZ2 means

The layout of a BIC is always the same: a bank code of four letters, a two-letter country code and two for the location, plus an optional branch code. Combined, these eight characters make up ICRAITR1.

Most banks and apps accept either length. If yours requires eleven characters, enter ICRAITR1FZ2.

As a rule the code is written in capitals and without spaces. Pasting the code beats retyping it, because one wrong letter changes the bank.