Banca di Credito Cooperativo Della Bassa Friulana Soc. Coop. SWIFT/BIC code

Banca di Credito Cooperativo Della Bassa Friulana Soc. Coop. SWIFT code: ICRAITR1

The short code ICRAITR1 and the full code ICRAITR1961 identify the same bank: Banca di Credito Cooperativo Della Bassa Friulana Soc. Coop., with its head office in Bertiolo. Every bank on the SWIFT network uses these codes to direct payments between countries to the right institution. In practice you usually see it on international invoices, in payment forms and on the account details of Banca di Credito Cooperativo Della Bassa Friulana Soc. Coop. customers.

On this page we explain how the code is put together, when it matters and which other details you need for a transfer to or from Banca di Credito Cooperativo Della Bassa Friulana Soc. Coop.. The SWIFT code on its own does not identify an individual account holder; for that you need the IBAN or account number .

Tracking a transfer to or from Banca di Credito Cooperativo Della Bassa Friulana Soc. Coop.

How quickly a payment arrives at Banca di Credito Cooperativo Della Bassa Friulana Soc. Coop. is determined by several factors: which currency you send, the number of banks in between, daily processing deadlines and differences in time zone. Payments made late in the day or on a weekend or public holiday often go out the next business day. Sometimes a bank asks what the payment is for.

A growing number of banks use SWIFT gpi. Each gpi transfer carries a unique reference, the UETR that banks can use to trace it. Money transfer services usually provide a status online so you can see how far the money has got.

A missing payment has to be investigated from the sending side. As a recipient, you can look at your statements for a partial amount, since fees may have been deducted.

Euro transfers to Banca di Credito Cooperativo Della Bassa Friulana Soc. Coop.: is a BIC needed?

Because Italy is in SEPA, a euro payment to Banca di Credito Cooperativo Della Bassa Friulana Soc. Coop. from another SEPA country usually requires just the IBAN. Many banks do not require the BIC for these payments or fill it in for you.

A SWIFT code like ICRAITR1 still come into play when the currency is not euros, and for transfers from outside SEPA. If your banking app asks for the BIC regardless, adding ICRAITR1 does no harm.

Euro payments within SEPA usually arrive within one business day. As long as the payment stays in euros, the transfer tends to be inexpensive.

Where our SWIFT data comes from

The details here come from publicly available data which we refresh regularly. Institutions merge, change names and retire codes, and a directory never catches every change immediately. The number of codes we show are based on what is in our directory, not official figures from Banca di Credito Cooperativo Della Bassa Friulana Soc. Coop..

Treat our data as a starting point, not as the last word – the bank details from the recipient are leading. We are an independent comparison site and not part of Banca di Credito Cooperativo Della Bassa Friulana Soc. Coop.. Found outdated information? Let us know through the contact page and we will look into it.

Watch out for payment fraud

Criminals often send fake invoices with changed bank details, sometimes in an email that looks completely genuine. The fact that ICRAITR1 exists is no guarantee that a request mentioning it is genuine.

Verify changed bank details through a different channel, not by replying to the message. Pressure or secrecy tend to be red flags. Acted too fast? Call your bank without delay and have them start a recall and report the fraud.

Scams also work the other way. Someone claims to have sent too much and asks you to refund the difference. Wait until the money has really arrived.

8 or 11 characters: ICRAITR1 versus ICRAITR1961

Every SWIFT/BIC code has an 8-character core: a four-letter bank code, a two-letter country code and a two-character location code. Combined, these eight characters make up ICRAITR1.

The full version adds a three-character extension that identify a branch or department. When those three characters are XXX, they simply mean the head office, so ICRAITR1961 and ICRAITR1 are interchangeable.

Leave out spaces when you type ICRAITR1 or ICRAITR1961. Look out for the letter O and the digit 0 and the letter I and the digit 1; they are easy to mix up.

Sending money abroad from Banca di Credito Cooperativo Della Bassa Friulana Soc. Coop.

An international bank payment can cost more than the fee suggests. Besides a fixed fee, correspondent or intermediary banks can take a cut, and when the money changes currency the bank often applies a rate below the actual market rate.

The real cost is often in the rate, not in the fee: the bank converts using an exchange rate that includes a margin. An easy check: set the rate you get next to the mid-market rate for the same moment and work out the difference on your amount.

Money transfer services frequently use rates closer to the mid-market rate with clearer fees. GoldexPay lists transfer providers next to each other, showing the amount the recipient gets. You can still use your account at Banca di Credito Cooperativo Della Bassa Friulana Soc. Coop. as the source of the money; only the conversion and sending happen elsewhere.

Euro (EUR) and conversion costs

Italy uses the Euro (EUR). A payment in a foreign currency will be converted into EUR before it reaches the account. Each conversion costs the amount, even when no fee is shown.

Which bank converts the payment makes a difference: every bank has its own margin. In many cases you pay less to send EUR straight away via a transfer service with a good rate.

Rates for EUR change during the day. On larger amounts, even seemingly small gap in the rate adds up quickly.

Choosing between the 10 SWIFT codes of Banca di Credito Cooperativo Della Bassa Friulana Soc. Coop.

Our directory lists 10 SWIFT/BIC codes for Banca di Credito Cooperativo Della Bassa Friulana Soc. Coop., spread over 10 cities. Next to the head office code ICRAITR1961, there are codes for branches, departments or specific services.

For most incoming transfers, the head office code ICRAITR1961 is what you need. Just use a branch code when the recipient explicitly asks for it.

The safest route is to copy the code directly from the recipient’s statement. Branch codes are sometimes changed or retired over time.

Is ICRAITR1 still correct? How to check

The most reliable place for the right code remains paperwork issued by the bank like a bank statement or the account page in online banking. If the code you have does not match ICRAITR1 or ICRAITR1961, do not guess: check with the recipient or with Banca di Credito Cooperativo Della Bassa Friulana Soc. Coop. directly.

A wrong SWIFT code may lead to delays, a returned payment or additional charges. Do not forget the IBAN: a mistake there can be more difficult to correct than a wrong code.

Most online banking apps validate the structure of an IBAN, but that does not prove the account belongs to the right person. Some banks now check the payee name with the account – do not ignore a mismatch warning. A small test payment is worth it for a large first payment.

What to give a sender who pays you at Banca di Credito Cooperativo Della Bassa Friulana Soc. Coop.

For an international payment into your account at Banca di Credito Cooperativo Della Bassa Friulana Soc. Coop., the sender has to have more than the BIC. Share the account holder’s name, your account number or IBAN, the BIC ICRAITR1961 and your address.

You can add Banca di Credito Cooperativo Della Bassa Friulana Soc. Coop. and its city too, since some forms ask for it. A mistake in your account number can be more trouble than you might think.

The amount you receive is often less than what was sent. Intermediary banks may deduct a fee, and when currencies differ, an exchange rate margin applies. For business payments, it is common to state how the fees are split.