Banca di Credito Cooperativo Dell'alto Reno-Lizzano In Belverdere-Bo Scrl SWIFT/BIC code

What ICRAITR1 means for a payment to Banca di Credito Cooperativo Dell'alto Reno-Lizzano In Belverdere-Bo Scrl

The 8-character code ICRAITR1 and the full code ICRAITR1971 identify one and the same institution: Banca di Credito Cooperativo Dell'alto Reno-Lizzano In Belverdere-Bo Scrl. A SWIFT code shows the banks handling a payment exactly which bank is meant to get the money. You will need it mostly for payments that cross a border or a currency.

On this page you will find how the code means, when it matters and which other details you need for a transfer to or from Banca di Credito Cooperativo Dell'alto Reno-Lizzano In Belverdere-Bo Scrl. The SWIFT code on its own does not identify a personal account; for that you need the account number or IBAN .

Which of the 3 codes of Banca di Credito Cooperativo Dell'alto Reno-Lizzano In Belverdere-Bo Scrl do you need?

With 3 codes in 3 locations, Banca di Credito Cooperativo Dell'alto Reno-Lizzano In Belverdere-Bo Scrl is one of the banks that register individual codes for branches. The head office code remains ICRAITR1971.

For the vast majority of incoming transfers, the head office code ICRAITR1971 works fine. If you have been given a specific code, stick to it rather than replacing it with the head office code.

If you are not sure, check with the recipient which code their bank gave them. Codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

ICRAITR1 or ICRAITR1971 – which one to use?

A BIC is made up of a few fixed parts: characters one to four identify the bank, the next two give the country and the two after that mark the location. For Banca di Credito Cooperativo Dell'alto Reno-Lizzano In Belverdere-Bo Scrl, the 8-character core is ICRAITR1.

Many banks and apps accept either length. If a form asks for eleven characters, use ICRAITR1971.

As a rule the code is written in capitals. A single character can send the money to a different institution, so copy it carefully.

How up to date is this code?

The details here come from publicly available data which we refresh regularly. Still, banks merge, rename themselves or retire codes, so information can be out of date. Counts and locations come from our directory and are not confirmed by Banca di Credito Cooperativo Dell'alto Reno-Lizzano In Belverdere-Bo Scrl.

See the information here as a helpful check. GoldexPay has no connection to Banca di Credito Cooperativo Dell'alto Reno-Lizzano In Belverdere-Bo Scrl, we only compare transfer services. Found an error? Tell us through the contact page.

Tracking a transfer to or from Banca di Credito Cooperativo Dell'alto Reno-Lizzano In Belverdere-Bo Scrl

A SWIFT payment typically needs one to a few business days – it depends on currency, route and the banks in between. Transfers sent after the cut-off time or on weekends and holidays often start the next business day. Sometimes a bank asks what the payment is for, which can hold things up.

If the money is delayed, contact the sending bank about the status and the transaction reference so they can trace it along the chain. Money transfer services usually provide tracking in their app so you can see where the payment has got.

The bank that sent the money is able to request a trace or a recall. On the receiving end, you can check your statements for a slightly lower amount.

Paying into Banca di Credito Cooperativo Dell'alto Reno-Lizzano In Belverdere-Bo Scrl in EUR

Italy uses the Euro, with the currency code EUR. Money sent in a different currency will be exchanged into EUR. There is rarely a separate charge for that conversion – the cost sits in the rate.

Who does the conversion has an effect on how much arrives. In many cases it is cheaper to send EUR straight away through a transfer service with a good rate rather than letting the receiving bank convert.

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

Incoming international payments to Banca di Credito Cooperativo Dell'alto Reno-Lizzano In Belverdere-Bo Scrl

Someone abroad who wants to pay you will ask for a few details about your account, and missing ones are a common cause of delays. What they need is: the account holder’s name, IBAN or account number, ICRAITR1971 or ICRAITR1 and in many cases your postal address.

Their bank might request the address of your bank. Double-check every detail before you share them, because the sender’s bank usually copies them as is.

Do not be surprised if the incoming amount is below the amount on the sender’s receipt. Charges on incoming payments vary per bank. Agree with the sender who covers the fees.

SEPA payments and the Banca di Credito Cooperativo Dell'alto Reno-Lizzano In Belverdere-Bo Scrl BIC

Italy is a member of the Single Euro Payments Area (SEPA). When you send euros within SEPA, you normally only need the IBAN.

You still need ICRAITR1971 for payments in other currencies or transfers from countries outside SEPA. If your banking app asks for the BIC regardless, entering ICRAITR1 does no harm.

Instant euro transfers have become increasingly supported across SEPA. Provided the payment stays in euros, the transfer tends to be cheap; costs rise once a conversion is involved.

Protect yourself against fake payment requests

Criminals often use payment requests with new bank details, sometimes in an email that looks completely genuine. The fact that ICRAITR1 exists does not mean that a request mentioning it is genuine – fraudsters use real bank codes as well.

Never rely on contact details in the same message that announces the new account. Urgency or secrecy tend to be red flags; a genuine business can wait for you to check. Acted too fast? Call the bank you paid from straight away and have them try to recall the payment and report the fraud.

Scams also work the other way. Someone claims to have sent too much and wants you to refund the extra via a different route. A payment confirmation from the sender proves nothing – check your own account.

Paying someone abroad from your Banca di Credito Cooperativo Dell'alto Reno-Lizzano In Belverdere-Bo Scrl account

If you send money to another country from Banca di Credito Cooperativo Dell'alto Reno-Lizzano In Belverdere-Bo Scrl, the visible fee is rarely all of the cost. There is the transfer fee, possibly charges from correspondent banks in between and, above all, the exchange rate markup if the currency changes.

The markup on the rate is often the biggest item, and it is easy to miss. An easy check: set the rate you get next to the mid-market rate for the same moment and look at the difference.

For many currency pairs, a transfer service is cheaper than a traditional bank transfer, mainly because of the exchange rate. Next time you send money, take a minute comparing what arrives on GoldexPay instead of going straight to your bank. You can still use your account at Banca di Credito Cooperativo Dell'alto Reno-Lizzano In Belverdere-Bo Scrl as the source of the money.

How to check ICRAITR1 before you pay

The most reliable place for the right code remains a document from the bank itself. Check it against ICRAITR1 on this page.

If the code is wrong, the payment may get stuck, bounce back or cost extra. Do not forget the IBAN: a mistake there can be harder to undo than a wrong code.

A format check by your bank merely tells you that the IBAN 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. For a first payment, some people send a small amount first before sending the rest.