Banca di Credito Cooperativo Dell'adriatico Teramano Soc. Coop. SWIFT/BIC code

ICRAITRR – the SWIFT/BIC code of Banca di Credito Cooperativo Dell'adriatico Teramano Soc. Coop.

The 8-character code ICRAITRR and the full code ICRAITRRU60 identify one and the same institution: Banca di Credito Cooperativo Dell'adriatico Teramano Soc. Coop.. A BIC does one job: it makes sure that an international payment ends up at the right bank. You will need it mainly for transfers between countries.

Further down we go through the practical side: money coming in from abroad, sending money abroad and how to check a SWIFT code before you hit send. The SWIFT code on its own does not identify an individual account holder; that is what the account number or IBAN .

Watch out for payment fraud

Stay wary when someone unexpectedly wants you to send money to another account. That ICRAITRR is a real code is no guarantee that the account is legitimate – fraudsters use real bank codes as well.

Check new payment details through a different channel like a call to a number from an earlier contract, not by replying to the message. Urgency or secrecy tend to be warning signs; a genuine business can wait for you to check. Acted too fast? Contact the bank you paid from without delay and have them try to recall the payment and report the fraud.

Fraud can also work the other way. Someone claims to have sent too much and asks you to refund the difference via a different route. Wait until the money has really arrived.

Choosing between the 2 SWIFT codes of Banca di Credito Cooperativo Dell'adriatico Teramano Soc. Coop.

Banca di Credito Cooperativo Dell'adriatico Teramano Soc. Coop. uses 2 separate SWIFT/BIC codes across 2 locations. Only one is the head office code; the others belong to branches or departments, and sometimes specific services.

In most cases you do not need to pick a branch: transfers addressed to ICRAITRRU60 are routed within Banca di Credito Cooperativo Dell'adriatico Teramano Soc. Coop. correctly. Branch codes are only needed when the account holder explicitly mentions 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 over time, so a code from an old document is not always valid.

About this information

We gather bank codes from publicly available data and update them regularly. Still, banks merge, rename themselves or retire codes. Figures such as the number of codes are from our directory.

See the information here as a helpful check, and let the details from the recipient or Banca di Credito Cooperativo Dell'adriatico Teramano Soc. Coop. have the final say. We are a comparison site for money transfers and not affiliated with Banca di Credito Cooperativo Dell'adriatico Teramano Soc. Coop.. Found outdated information? Tell us through the contact page and we will look into it.

How to check ICRAITRR before you pay

Have the recipient copy their bank details directly from their banking app. When the code you were given does not match ICRAITRR or ICRAITRRU60, do not guess.

If the code is wrong, the transfer might be delayed, be returned or cost extra, and tracing it can take weeks. Do not forget the IBAN: an error there is harder to correct than a wrong BIC.

An automatic check by your bank merely tells you that the code is valid – not that it belongs to the person you mean to pay. More and more banks compare the name with the account before you confirm. A small test payment is worth it for large sums.

The Euro and what conversion costs you

Italy uses the Euro. When you pay money in a different currency, the amount gets converted at some point. Each conversion eats into the amount.

Who does the conversion has an effect on the final amount. Check what EUR arrives with different providers.

The rate for EUR changes constantly. With bigger transfers, even small difference in the rate adds up quickly.

SEPA payments and the Banca di Credito Cooperativo Dell'adriatico Teramano Soc. Coop. BIC

Inside SEPA, euro payments to an account in Italy use the same rules and in most cases need only the IBAN. The BIC field is often optional in that case.

You will still need ICRAITRRU60 for payments in other currencies or money from outside the SEPA area. If a payment form has a field for the BIC regardless, adding ICRAITRR does no harm.

Instant payments in euros are increasingly available across SEPA. Provided the payment stays in euros, the transfer tends to be inexpensive; it is the conversion that costs money.

What to give a sender who pays you at Banca di Credito Cooperativo Dell'adriatico Teramano Soc. Coop.

Someone abroad who wants to pay you will ask for several details from you – incomplete details often cause delays. The basics are: the account holder’s name, IBAN or account number, ICRAITRRU60 or ICRAITRR and, for some countries, your home address.

Certain banks want the bank’s address in Atri, so keep it at hand. Double-check every detail before you send them, because the sender’s bank usually copies them as is.

Money from abroad does not always arrive for the full amount. Charges on incoming payments differ from bank to bank. Make clear with the sender who covers the fees.

Paying someone abroad from your Banca di Credito Cooperativo Dell'adriatico Teramano Soc. Coop. account

What you pay for an international transfer has several parts – not just the fee on your screen. You pay the transfer fee, sometimes fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate if the currency changes.

The real cost is often in the rate, rather than in the fee: the bank converts at a rate that includes a margin. Check the rate you are offered with the mid-market rate.

Specialised transfer providers frequently offer a rate near the mid-market rate with clearer fees. Next time you send money, take a minute comparing the total cost on GoldexPay. Choosing a specialist does not require leaving Banca di Credito Cooperativo Dell'adriatico Teramano Soc. Coop.: you simply pay the service from your account.

Why Banca di Credito Cooperativo Dell'adriatico Teramano Soc. Coop. has an 8- and an 11-character code

Every SWIFT/BIC code starts with an 8-character core: four letters for the bank, a two-letter country code and two characters for the location. In this case, that core is ICRAITRR.

Most banks and apps accept either length. If yours asks for eleven characters, enter ICRAITRRU60; if it wants eight, use ICRAITRR.

Enter the code as one block, in capitals and without spaces, exactly as shown here. A wrong character may route a payment to another bank, so copy it carefully.

Tracking a transfer to or from Banca di Credito Cooperativo Dell'adriatico Teramano Soc. Coop.

An international transfer typically needs one to a few business days, depending on the currency, the route and the banks involved. Transfers sent after the cut-off time or just before a weekend or public holiday often go out the next business day. Compliance checks by one of the banks may also add some delay, regardless of the details.

Many banks use SWIFT gpi. Each payment carries a unique transaction reference, the UETR that banks can use to trace it. Specialist transfer services usually show tracking in their app so you can see how far the money is.

If the money does not arrive within the expected time, the person who paid needs to start with their own bank, not the receiving bank. On the receiving end, it helps to check your statements for a slightly lower amount because fees can reduce the amount.