Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl SWIFT/BIC code

ICRAITR1 – the SWIFT/BIC code of Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl

ICRAITR1 and ICRAITR1RG1 are the short and the long form of the same SWIFT/BIC code, and both lead to Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl in Bitetto. Banks worldwide use these codes to route international transfers to the right institution. You will need it mostly for payments that cross a border or a currency.

Further down you will find the practical side: receiving money at Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl, paying someone in another country and how to check a SWIFT code before you confirm a payment. Keep in mind that the BIC only identifies the bank, not the person: the IBAN or account number takes care of that.

Protect yourself against fake payment requests

Stay alert if someone unexpectedly asks you to pay into a different account. The fact that ICRAITR1 exists does not mean that a request mentioning it is genuine – fraudsters use real bank codes as well.

Before paying, verify a change of bank details by phone, using a number you already had. Urgency and secrecy tend to be red flags; a genuine business can wait for you to check. When money was sent to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

Recipients are targeted too: one known trick is an overpayment followed by a request to refund the difference. A payment confirmation from the sender proves nothing – check your own account.

Verifying the SWIFT code of Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl

The most reliable source for a SWIFT code is the bank details provided by the recipient. Compare it with ICRAITR1 here.

Errors in the BIC are annoying more than fatal. A mistake in the IBAN or account number can be a bigger problem, because the money may be credited to someone else.

Most online banking apps check the format of an IBAN – that confirms the format, not the owner. More and more banks check the name against the account. For a first payment, some people start with a small test amount before sending the rest.

Getting paid from abroad into a Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl account

If you are waiting for money from abroad, give the sender a complete set of details. What they need is: the account holder’s name, IBAN or account number, ICRAITR1RG1 or ICRAITR1 and often your home address.

The sender’s bank might also ask for the address of your bank, in which case the Bitetto head office is the usual answer. A typo in your account number is harder to fix than it looks, so copy the details from your online banking.

Expect that the amount credited is below what the sender paid. Fees for incoming transfers vary from bank to bank – the price list of Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl tells you what applies. Agree with the sender who covers the fees.

Why Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl has an 8- and an 11-character code

A SWIFT code is built from fixed blocks: the first four letters identify the bank, the next two show the country and characters seven and eight indicate the location. For Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl, the 8-character core is ICRAITR1.

XXX at the end of ICRAITR1RG1 does not stand for a placeholder or a mistake: it indicates the main office of Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl. Some forms insist on 11 characters, in which case you can add XXX behind ICRAITR1.

In practice the code is typed in capitals. Watch for the letter O and the digit 0 or I versus 1; they are easy to mix up.

Paying someone abroad from your Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl account

If you send money abroad through Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl, the visible fee is rarely all of what you pay. There is the fee for the transfer itself, sometimes fees charged by intermediary banks in between and, above all, the exchange rate markup.

Most of the cost usually sits in the exchange rate, rather than in the fee: the bank converts at a rate that includes a margin. A simple test: set the bank’s rate next to the mid-market rate for the same moment and look at the difference.

Specialised transfer providers often use rates closer to the mid-market rate with clearer fees. GoldexPay lists these services side by side so you can see what actually arrives for the same amount sent. You can always keep your account at Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl.

Head office or branch code at Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl?

With 3 codes in 3 cities, Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl belongs to the banks that register separate codes for parts of the organisation and departments. The main code remains ICRAITR1RG1.

For the vast majority of incoming transfers, the head office code ICRAITR1RG1 is the right choice. Just use a branch code when the account holder explicitly asks for it.

If you are not sure, check with the recipient for the exact BIC in their bank details. Branch codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

SEPA payments and the Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl BIC

Inside SEPA, euro payments to an account in Italy use common rules, so the IBAN does the job in most cases. A field for the BIC is usually optional or missing in that case.

Outside the euro and for senders outside SEPA, ICRAITR1RG1 remains required. If your banking app asks for the BIC regardless, entering ICRAITR1 does no harm.

SEPA transfers normally land within one business day; instant payments are faster if both banks offer them. As long as the payment stays in euros, the transfer tends to be cheap; costs rise once a conversion is involved.

Tracking a transfer to or from Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl

How fast a payment arrives at Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl depends on a few things: the currency, the number of banks in between, cut-off times and differences in time zone. Payments made late in the day or on a weekend or public holiday usually go out the next business day. Sometimes a bank wants to know what the payment is for.

Many banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each payment gets a unique reference, the UETR, which your bank can use to see where the money is. Keep the payment confirmation until the recipient confirms – you will need it for any trace request.

Only the sending bank can start an official trace. Request from the sender the payment receipt including the reference; that often settles the question quickly.

Sending EUR to Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl

The currency of Italy is the Euro (EUR). When you pay another currency gets converted at some point. You rarely see a separate line for that conversion; it is built into the rate.

Who does the conversion affects the final amount, since every bank sets its own rate. Often you pay less if you send EUR directly via a transfer service that converts near the mid-market rate.

The EUR rate changes throughout the day and quotes are often valid only for a short time. If you pay regularly, small differences in the rate make a real difference over time.

Where our SWIFT data comes from

The directory on GoldexPay is based on publicly available sources and is updated regularly. It is possible that information here is out of date, for example after a merger. The number of codes on this page reflect our own data.

Use this page as a reference, rather than as the final word – the bank details from the recipient are leading. GoldexPay is an independent comparison service for money transfers and not affiliated with Banca di Credito Cooperativo Degli Ulivi - Terra di Bari Scrl. Should you notice something that is out of date, we appreciate a message.