Banca di Credito Cooperativo del Metauro S.c.r.l. e Sant'ippolito Scrl SWIFT/BIC code

SWIFT/BIC code of Banca di Credito Cooperativo del Metauro S.c.r.l. e Sant'ippolito Scrl

ICRAITR1 and ICRAITR1JG1 are two spellings of the same bank identifier, and both point to Banca di Credito Cooperativo del Metauro S.c.r.l. e Sant'ippolito Scrl in Fermignano. A SWIFT code shows the banks handling a payment exactly which bank should receive the money. You will need it mostly for payments that cross a border or a currency.

On this page you can read how the code means, when you need it and what else you need for a transfer to or from Banca di Credito Cooperativo del Metauro S.c.r.l. e Sant'ippolito Scrl. Keep in mind that the SWIFT code only identifies the bank, not the person: the account number or IBAN takes care of that.

Where our SWIFT data comes from

The details here come from public sources which we refresh regularly. Still, banks merge or change codes. Figures such as the number of codes come from our own dataset and may differ from what Banca di Credito Cooperativo del Metauro S.c.r.l. e Sant'ippolito Scrl publishes.

Before any payment that matters, confirm the code with the recipient’s bank or with the recipient. We are a comparison site for money transfers and not part of Banca di Credito Cooperativo del Metauro S.c.r.l. e Sant'ippolito Scrl. Should you notice something that is out of date, we appreciate a message via the contact page.

Sending money abroad from Banca di Credito Cooperativo del Metauro S.c.r.l. e Sant'ippolito Scrl

A bank transfer abroad can cost more than the listed fee. There is the fee for the transfer itself, possibly fees charged by intermediary banks in between and, above all, the margin on the exchange rate when the money is converted.

Banks do not list the margin on the rate as a cost, but you pay it all the same. A simple test: set the rate you get next to the mid-market rate for the same moment and work out the difference on your amount.

Specialised transfer providers often offer rates closer to the mid-market rate and lower fees. GoldexPay compares the amount that arrives across services, so you can pick the cheapest route. Choosing a specialist does not mean leaving Banca di Credito Cooperativo del Metauro S.c.r.l. e Sant'ippolito Scrl: you simply pay the service from your account.

How long does an international transfer to Banca di Credito Cooperativo del Metauro S.c.r.l. e Sant'ippolito Scrl take?

A SWIFT payment usually needs anywhere from one to several business days. Transfers sent after the cut-off time or on a weekend or public holiday usually go out a business day later. Compliance checks on larger or unusual payments can also add some delay, even when all details are correct.

A growing number of banks use SWIFT gpi. Each payment gets a unique transaction reference, the UETR that banks can use to trace it. Keep your transfer receipt until the money has arrived – you will need it for any trace request.

Only the sending bank is able to start an official trace. On the receiving end, it helps to look at your statements to see a slightly lower amount.

Euro transfers to Banca di Credito Cooperativo del Metauro S.c.r.l. e Sant'ippolito Scrl: is a BIC needed?

Italy is part of the SEPA area. For a regular euro transfer within SEPA, you normally only need the IBAN.

A SWIFT code like ICRAITR1 still come into play for payments in other currencies, and for transfers from outside SEPA. If your banking app has a field for the BIC anyway, adding ICRAITR1 is fine.

Instant euro transfers are widely supported within SEPA. Charges on SEPA payments are generally low as long as everything stays in euros.

Choosing between the 3 SWIFT codes of Banca di Credito Cooperativo del Metauro S.c.r.l. e Sant'ippolito Scrl

We have 3 SWIFT/BIC codes for Banca di Credito Cooperativo del Metauro S.c.r.l. e Sant'ippolito Scrl, spread over 3 locations. Next to the head office code ICRAITR1JG1, you will find codes for individual branches and departments.

Unless the recipient tells you otherwise, use ICRAITR1JG1 or its short form ICRAITR1. Just use a branch code when the recipient explicitly asks for it, for example on a letter or invoice.

The safest route is to copy the code directly from the account holder’s statement. Codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

ICRAITR1 or ICRAITR1JG1 – which one to use?

A SWIFT code is built from fixed blocks: the first four letters stand for the bank, characters five and six give the country and characters seven and eight indicate the location. Together, those parts make up ICRAITR1, the code most people search for.

Most payment forms accept either length. If yours requires eleven characters, use ICRAITR1JG1.

Type the code in one piece, in upper case and without spaces. Watch for the letter O and the digit 0 or I versus 1, a common source of typos.

How to check ICRAITR1 before you pay

Have the recipient copy their bank details straight from a recent statement. Check that code against ICRAITR1 here; if they differ, ask before you pay.

Errors in the BIC are costly rather than disastrous: often the payment comes back, minus fees. Remember the IBAN: a mistake there can be more difficult to undo than a wrong code.

An automatic check by your bank only confirms that the IBAN exists. If your bank offers it, a name check before sending gives extra certainty. Sending a small amount first is worth it for a large first payment.

Changed bank details? Be careful

One of the most common tricks goes like this: an email arrives with a message saying that a supplier has a new bank account and that the next payment should go there. A valid SWIFT code tells you nothing about whether the request is genuine.

Check new bank details via a different channel like a call to a number from an earlier contract. Pressure or requests to keep it quiet tend to be red flags – a real supplier can wait a day. If a payment has already gone to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

People receiving money are targeted too: one known trick is an overpayment and then sends a request to send back the difference. A payment confirmation from the sender is no proof.

What to give a sender who pays you at Banca di Credito Cooperativo del Metauro S.c.r.l. e Sant'ippolito Scrl

For an international payment at Banca di Credito Cooperativo del Metauro S.c.r.l. e Sant'ippolito Scrl, the sender needs not just the SWIFT code. The basics are: the account holder’s name, IBAN or account number, ICRAITR1JG1 or ICRAITR1 and in many cases your postal address.

It helps to include the bank name and Fermignano too, since some forms ask for it. A typo in the IBAN can be harder to fix than it looks; copy them from your banking app rather than typing.

An incoming payment does not always land for the full amount. Intermediary banks may deduct a fee, and when currencies differ, a markup on the rate comes on top. For business payments, it is common to agree who bears the costs, so that nobody is left short.

The Euro and what conversion costs you

Most accounts at Banca di Credito Cooperativo del Metauro S.c.r.l. e Sant'ippolito Scrl are typically held in EUR, the local currency. A payment in a foreign currency will be converted into EUR before it reaches the account. Every conversion eats into the amount – usually through the rate rather than a fee.

Who converts the money makes a difference. Transferring the money directly in EUR often avoids an extra conversion – as long as your own rate is good.

The rate for EUR fluctuates constantly, so the amount you see is usually only valid for a short time. On larger amounts, even small gap in the rate can be worth more than the fee.