Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop. SWIFT/BIC code

What ICRAITR1 means for a payment to Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop.

Whether a recipient gives you ICRAITR1 or ICRAITR1S92, you are looking at the identical address for Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop. in Italy. The code has a single purpose: it makes sure that a cross-border transfer ends up at the right bank. It comes up mostly when dealing with payments that cross a border or a currency.

We wrote this page to help anyone who receives money at an account at Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop. and wants to get the details right. Keep in mind that the SWIFT code just identifies the bank, not the account: the IBAN or account number does that part.

What the XXX in ICRAITR1S92 means

A BIC is made up of a few fixed parts: characters one to four identify the bank, characters five and six give the country and characters seven and eight indicate the location. For Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop., the 8-character core is ICRAITR1.

The 11-character version has 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 ICRAITR1S92 and ICRAITR1 lead to the same place.

As a rule the code is typed in capitals. A single character may route a payment to a different institution, so copy it carefully.

When will the money arrive at Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop.?

How fast a payment reaches Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop. is determined by several factors: the currency, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Payments made after the cut-off time or on weekends and holidays usually go out a business day later. Extra checks on larger or unusual payments may also add some delay, regardless of the details.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every payment carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Specialist transfer services often provide a status in their app showing where the money is.

Only the sending bank can start an official trace; the receiving side usually has nothing to trace yet. On the receiving end, you can check your account for a slightly lower amount.

What to give a sender who pays you at Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop.

A sender in another country needs several details about your account – incomplete details often cause delays. Share your name as the bank knows it, the IBAN or account number, the BIC ICRAITR1S92 and your address, which some banks require.

It helps to add the bank name and Fondi too, since some forms ask for it. A typo in your account number can be more trouble than you might think, so copy the details from your online banking.

Money from abroad does not always land for the full amount. Fees for incoming transfers vary from bank to bank; check the price list of Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop.. Agree with the sender who covers the fees before the money is sent.

Do you need ICRAITR1 for a SEPA transfer?

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

You still need ICRAITR1S92 for payments in other currencies or transfers from countries outside SEPA. Some forms still show a field for the BIC; if so, fill in ICRAITR1.

Instant euro transfers have become increasingly supported within SEPA. Charges on SEPA payments are generally low, as long as no currency conversion is involved.

Head office or branch code at Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop.?

With 3 codes, Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop. is one of the banks that use separate codes for branches. The main code is ICRAITR1S92.

In most cases there is no need to pick a branch: payments sent to ICRAITR1S92 are routed within Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop. without problems. Just use a branch code when your contact explicitly asks for it, for example on a letter or invoice.

The best way is to take the code directly from the account holder’s invoice. Branch codes can change when banks reorganise.

Sending money abroad from Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop.

What you pay for a payment abroad has more than one component. There is the fee for the transfer itself, possibly fees charged by intermediary banks in between and, most importantly, the exchange rate markup if the currency changes.

Most of the cost usually sits in the exchange rate: the bank converts using an exchange rate with a margin built in. A simple test: set the rate you get next to the mid-market rate and work out the difference on your amount.

For a lot of routes, a specialist provider turns out to be less expensive than a traditional bank transfer – mostly thanks to the rate. Next time you send money, take a minute to compare what arrives on GoldexPay instead of going straight to your bank. You can still use your account at Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop. as the source of the money; only the conversion and sending happen elsewhere.

Changed bank details? Be careful

Stay alert when a contact unexpectedly wants you to pay into another account. A correct SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Check changed payment details via a different channel, not by replying to the message. Pressure or secrecy are warning signs; a genuine business can wait for you to check. When money was sent to the wrong account, call your bank right away.

Scams also work the other way: someone sends too much and asks you to refund the extra. Wait until the money has really arrived and check with Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop. if anything seems off.

How up to date is this code?

Our SWIFT/BIC directory is based on publicly available sources and is updated regularly. It can happen that information on this page is out of date, for example after a merger. The number of codes on this page are based on our own data and not on information from Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop. itself.

Treat this page as a starting point, rather than as the last word: the recipient’s bank details come first. GoldexPay is not affiliated with Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop.; we are a comparison site for money transfers. Found outdated information? Let us know through the contact page and we will look into it.

How to check ICRAITR1 before you pay

Have the recipient send you the bank details straight from their online banking. If the code you have differs from ICRAITR1 or ICRAITR1S92, do not guess: check with the recipient or with Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop. directly.

If the code is wrong, the payment may get stuck, bounce back or cost extra, and tracing it can take weeks. An error in the account number is a bigger problem.

A validity check by your bank merely tells you that the code is valid, not that it is the right account. Some banks now compare the payee name with the account before you confirm; take any warning seriously. When you pay someone new, many people send a small amount first and wait for confirmation.

Sending EUR to Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop.

Italy pays in the Euro, code EUR. When you pay money in a different currency has to be converted at some point: by your bank, an intermediary or Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop. itself. Every conversion costs something, even when no fee is shown.

Which bank converts the payment makes a difference: every bank has its own margin. Transferring the amount already in EUR often avoids a second conversion by Banca di Credito Cooperativo del Circeo e Privernate Soc. Coop..

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