Banca di Credito Cooperativo Dell'oglio e del Serio S.c. SWIFT/BIC code

ICRAITR1 – the SWIFT/BIC code of Banca di Credito Cooperativo Dell'oglio e del Serio S.c.

ICRAITR1 and ICRAITR1EAH are the short and the long form of the same SWIFT/BIC code, and both lead to Banca di Credito Cooperativo Dell'oglio e del Serio S.c. in Bergamo. A BIC has a single purpose: it makes sure that a cross-border transfer ends up at the right bank. In daily life you mostly come across the code on international invoices, in your banking app and in the bank details of Banca di Credito Cooperativo Dell'oglio e del Serio S.c. customers.

On this page you can read how the code is put together, when you need it and which other details you need for a transfer to or from Banca di Credito Cooperativo Dell'oglio e del Serio S.c.. The SWIFT code on its own cannot identify a personal account; that is what the account number or IBAN is for.

What a transfer from Banca di Credito Cooperativo Dell'oglio e del Serio S.c. abroad really costs

A bank transfer abroad can cost rather more than the fee suggests. You pay the transfer fee, possibly fees charged by intermediary banks in between and, above all, the exchange rate markup if the currency changes.

Many banks do not show their exchange rate markup separately – you only notice it if you compare. Compare their rate against the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

For many currency pairs, a transfer service is cheaper than a bank – mostly thanks to the rate. Before your next transfer, take a minute comparing what arrives via GoldexPay instead of going straight to your bank. You can always use your account at Banca di Credito Cooperativo Dell'oglio e del Serio S.c., while a cheaper service handles the conversion.

Head office or branch code at Banca di Credito Cooperativo Dell'oglio e del Serio S.c.?

Our database contains 18 SWIFT/BIC codes for Banca di Credito Cooperativo Dell'oglio e del Serio S.c.. Next to the head office code ICRAITR1EAH, you will find codes for regional offices and specialised units.

For the vast majority of payments to a private or business account, the head office code ICRAITR1EAH works fine. Just use a branch code when your contact explicitly asks for it, for example on a letter or invoice.

Unsure which code to use? Check with the recipient, or look at a recent statement from Banca di Credito Cooperativo Dell'oglio e del Serio S.c.. Codes are sometimes changed or retired over time.

Receiving money from abroad at Banca di Credito Cooperativo Dell'oglio e del Serio S.c.

A sender in another country needs a few details about your account – incomplete details often cause delays. Give them your name as the bank knows it, the IBAN or account number, SWIFT code ICRAITR1EAH and your address, which some banks require.

Their bank may also ask for the address of your bank. A typo in the IBAN is harder to fix than you might think, so copy the details from your online banking.

An incoming payment will not always arrive in full. Fees for incoming transfers vary per bank – the price list of Banca di Credito Cooperativo Dell'oglio e del Serio S.c. tells you what applies. Agree with the sender who pays which costs.

Changed bank details? Be careful

Criminals regularly use payment requests with changed bank details, sometimes in an email that looks completely genuine. That ICRAITR1 is a real code does not mean that the account is genuine; criminals use the codes of real banks too.

Always verify changed bank details by phone. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. If money was sent to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Recipients can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to refund the difference. A payment confirmation from the sender proves nothing – check your own account.

Sending EUR to Banca di Credito Cooperativo Dell'oglio e del Serio S.c.

Accounts at Banca di Credito Cooperativo Dell'oglio e del Serio S.c. are typically held in EUR, the national currency. If you send another currency it gets converted at some point. You rarely see a separate line for that conversion – the cost sits in the rate.

Who does the conversion affects how much arrives. Compare how much EUR the recipient gets with different services; the difference between options can be larger than you expect.

The EUR rate fluctuates throughout the day. On larger amounts, even seemingly small difference in the rate can be worth more than the fee.

What the XXX in ICRAITR1EAH means

Each SWIFT/BIC code starts with the same eight core characters: four letters for the bank, a two-letter country code and two characters for the location. For Banca di Credito Cooperativo Dell'oglio e del Serio S.c., the 8-character core is ICRAITR1.

XXX at the end of ICRAITR1EAH is not a placeholder or an error: it stands for the main office of Banca di Credito Cooperativo Dell'oglio e del Serio S.c.. Some banking apps ask for 11 characters, and then you can enter XXX after ICRAITR1.

Type the code in one piece, in upper case and without separators, exactly as shown here. Watch for the letter O and the digit 0 and I versus 1, a common source of typos.

How to check ICRAITR1 before you pay

The best place to find the correct BIC remains paperwork issued by the bank. Check it with ICRAITR1 here.

Errors in the BIC tend to be costly rather than fatal. An error in the account number can be a bigger problem because it can reach the wrong person.

Most online banking apps check the format of IBANs and some suggest the matching BIC – that confirms the format, not the owner. More and more banks compare the name against the account; take any warning seriously. Sending a small amount first is a sensible step for a large first payment, even if it costs an extra fee.

Do you need ICRAITR1 for a SEPA transfer?

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

A SWIFT code like ICRAITR1 still matter for payments in other currencies and when the money comes from outside SEPA. Some forms still ask for the BIC out of habit; in that case, enter ICRAITR1 or ICRAITR1EAH.

Instant payments in euros are increasingly supported across SEPA. Fees for SEPA payments tend to be low, as long as no currency conversion is involved.

Transfer times and tracking a payment to Banca di Credito Cooperativo Dell'oglio e del Serio S.c.

There is no fixed answer: many arrive the same day or the next. Transfers sent after the cut-off time or just before weekends and holidays often start the next business day. Occasionally a bank asks about the purpose of a payment before releasing it.

Many banks use SWIFT gpi for faster and traceable payments. Each payment gets a unique reference, the UETR, which your bank can use to see where the money is. Save your transfer receipt.

If the money does not arrive within the expected time, the sender should start with their own bank, not the receiving bank. Ask the sender for the payment receipt including the reference; that often settles the question quickly.

About this information

We gather SWIFT/BIC codes using publicly available data and update our list regularly. Even so, banks merge or retire codes. Counts and locations come from our directory and are not confirmed by Banca di Credito Cooperativo Dell'oglio e del Serio S.c..

Treat our data as a starting point, not as the last word. GoldexPay is not affiliated with Banca di Credito Cooperativo Dell'oglio e del Serio S.c.; we are a comparison site for money transfers. Found outdated information? Tell us through the contact page so we can correct it.