Banca di Credito Cooperativo Dei Comuni Cilentani SWIFT/BIC code

What ICRAITR1 means for a payment to Banca di Credito Cooperativo Dei Comuni Cilentani

Whether a recipient gives you ICRAITR1 or ICRAITR1TM2, you are looking at the same identifier for Banca di Credito Cooperativo Dei Comuni Cilentani in Italy. Banks worldwide use BIC codes to route payments between countries to the correct institution. In daily life you usually come across the code on international invoices, in your banking app and in the bank details that Banca di Credito Cooperativo Dei Comuni Cilentani provides.

This page is meant to help anyone who pays into an account at Banca di Credito Cooperativo Dei Comuni Cilentani. The SWIFT code on its own cannot identify a personal account; that is what the account number or IBAN .

Incoming international payments to Banca di Credito Cooperativo Dei Comuni Cilentani

A sender in another country needs a few details about your account, and missing ones are a common cause of delays. The basics are: the account holder’s name, IBAN or account number, ICRAITR1TM2 and, for some countries, your postal address.

Certain banks want the address of Banca di Credito Cooperativo Dei Comuni Cilentani in Agropoli. Check every detail before you send them.

Money from abroad does not always arrive in full. Fees for incoming transfers vary from bank to bank; check the price list of Banca di Credito Cooperativo Dei Comuni Cilentani. Make clear with the sender who pays which costs before the money is sent.

Watch out for payment fraud

A common scam works like this: you receive a request saying that a company has new bank details and asking you to pay there from now on. A valid SWIFT code says nothing about who owns the account.

Never trust contact details from the same email that contains the change. Urgency and requests to keep it quiet are warning signs; a genuine business can wait for you to check. If a payment has already gone to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Recipients are targeted too: a classic trick is a buyer who pays too much and then sends a request to send back the difference to another account. Wait until the money is actually in your account – ask Banca di Credito Cooperativo Dei Comuni Cilentani if something looks wrong.

About this information

We gather SWIFT/BIC codes using publicly available data and update our list regularly. Banks reorganise, close branches and retire codes, and a directory never catches every change immediately. Figures such as the number of codes come from our own dataset.

Before any payment that matters, always confirm the code with Banca di Credito Cooperativo Dei Comuni Cilentani or with the recipient. GoldexPay is independent of Banca di Credito Cooperativo Dei Comuni Cilentani, we only compare transfer services. Should you notice something that is out of date, we welcome a message via the contact page.

International transfers from Banca di Credito Cooperativo Dei Comuni Cilentani: the real cost

An international bank payment costs more than the listed fee. On top of the transfer fee, correspondent or intermediary banks may take a cut, and when the money changes currency the bank usually applies a rate that is less favourable than the real market rate.

Many banks do not show their exchange rate markup separately, but you pay it all the same. An easy check: put the bank’s rate against the mid-market rate and work out the difference on your amount.

For many currency pairs, a specialist provider turns out to be cheaper than a bank. GoldexPay lists transfer providers side by side so you can see the amount the recipient gets. You can still keep your account at Banca di Credito Cooperativo Dei Comuni Cilentani.

Do you need ICRAITR1 for a SEPA transfer?

Italy belongs to the SEPA area, where euro transfers follow common rules. When you send euros from another SEPA country, the IBAN is usually enough and the BIC is often filled in automatically.

You will still need ICRAITR1TM2 when sending payments in other currencies or money from outside the SEPA area. If your banking app has a field for the BIC anyway, entering ICRAITR1 does no harm.

Euro payments within SEPA normally land within one business day. Fees for SEPA payments tend to be low as long as everything stays in euros.

Is ICRAITR1 still correct? How to check

The best place to find the right code is paperwork issued by the bank like a bank statement or the account page in online banking. Compare that code with ICRAITR1 here.

An incorrect BIC may lead to delays, a returned payment or additional charges for investigation. An error in the IBAN or account number can be a bigger problem, so check that just as carefully.

An automatic check in your banking app merely confirms that the code is valid – not that it belongs to the person you mean to pay. If your bank offers it, a name check on the recipient adds an extra layer of safety. When you pay someone new, some people start with a small amount first before sending the rest.

Why Banca di Credito Cooperativo Dei Comuni Cilentani has an 8- and an 11-character code

Every SWIFT/BIC code starts with the same eight core characters: four letters for the bank, two letters for the country and two characters for the location. Combined, those parts form ICRAITR1 – the version you usually see online.

XXX at the end of ICRAITR1TM2 is not a placeholder or an error: it stands for the head office of Banca di Credito Cooperativo Dei Comuni Cilentani. Some forms insist on 11 characters, in which case you simply enter XXX behind ICRAITR1.

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

Banca di Credito Cooperativo Dei Comuni Cilentani: head office code versus branch codes

Banca di Credito Cooperativo Dei Comuni Cilentani uses 15 different SWIFT/BIC codes across 13 cities. One of them is the head office code, ICRAITR1TM2; the rest identify branches, and sometimes internal departments.

In most cases there is no need to look up a branch: transfers addressed to ICRAITR1TM2 are routed within Banca di Credito Cooperativo Dei Comuni Cilentani correctly. If you have been given a branch code, use it as it is rather than replacing it for the head office code.

When in doubt, check with the recipient which code their bank gave them. Branch codes can change when banks reorganise.

Transfer times and tracking a payment to Banca di Credito Cooperativo Dei Comuni Cilentani

There is no fixed answer for international payments: some arrive within a day while others need several business days. Bank holidays in the sending or receiving country can add extra days. Sometimes a bank asks what the payment is for before releasing it.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Every payment carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Keep your transfer receipt until the money has arrived; it contains the details a bank needs to start a trace.

If the money does not arrive after a few business days, the sender needs to start with the bank that sent it, not the receiving bank. On the receiving end, you can look at your statements for a partial amount, since fees may have been deducted.

Sending EUR to Banca di Credito Cooperativo Dei Comuni Cilentani

The local currency in Italy is the Euro (EUR). Money sent in a different currency will be exchanged into EUR before it reaches the account, and whoever converts it chooses the rate. There is rarely a separate line for that conversion; it is built into the rate.

Who does the conversion affects the final amount, as rates and margins differ per bank. In many cases you pay less to send EUR straight away via a transfer service that converts near the mid-market rate, so that the receiving bank does not need to convert again.

Rates for EUR move all the time, and some providers let you lock in a rate. With bigger transfers, a small difference in the rate can be worth more than the fee.