Banca di Credito Cooperativo di Buccino SWIFT/BIC code

What ICRAITRR means for a payment to Banca di Credito Cooperativo di Buccino

ICRAITRR and ICRAITRRFP0 are the short and the long form of the same bank identifier, and both point to Banca di Credito Cooperativo di Buccino in Buccino. Every bank on the SWIFT network uses these codes to route international transfers to the correct bank. In daily life you usually see the code on invoices from abroad, in your banking app and on the account details of Banca di Credito Cooperativo di Buccino customers.

This page is meant to help anyone who sends money to an account at Banca di Credito Cooperativo di Buccino. The SWIFT code on its own cannot identify a personal account; that is what the account number or IBAN is for.

Verifying the SWIFT code of Banca di Credito Cooperativo di Buccino

The best place to find the correct BIC remains paperwork issued by the bank like a bank statement or the account page in online banking. Compare it with ICRAITRR on this page.

A wrong SWIFT code may lead to a delay, a returned payment or additional charges along the way. A mistake in the IBAN or account number can be more serious because it can reach the wrong person, so check that just as carefully.

Many banking apps check the structure of IBANs and some suggest the matching BIC, but that does not prove the account belongs to the right person. Where available, a payee name check before sending gives an extra layer of safety. For a first payment, some people send a small test amount before sending the rest.

What a transfer from Banca di Credito Cooperativo di Buccino abroad really costs

If you send money abroad from Banca di Credito Cooperativo di Buccino, the visible fee is rarely all of the cost. On top of a fixed fee, correspondent or intermediary banks may deduct a fee, and when the money changes currency the bank often uses a rate that is less favourable than the real market rate.

Most of the cost usually sits in the exchange rate: the bank converts at a rate with a margin built in. Check their rate with the mid-market rate; the gap is what conversion costs you.

Specialist money transfer services frequently offer rates closer to the mid-market rate and lower fees. GoldexPay lists transfer providers next to each other, showing what actually arrives for the same amount sent. You can always use your account at Banca di Credito Cooperativo di Buccino as the source of the money.

Which of the 2 codes of Banca di Credito Cooperativo di Buccino do you need?

With 2 codes, Banca di Credito Cooperativo di Buccino belongs to the banks that register separate codes for parts of the organisation and departments. The head office code remains ICRAITRRFP0.

In most cases you do not need to pick a branch: payments addressed to ICRAITRRFP0 reach Banca di Credito Cooperativo di Buccino correctly. If you have been given a branch code, stick to it rather than swapping it for the head office code.

The best way is to take the code straight from the account holder’s statement. Codes for branches are more prone to change than ICRAITRRFP0.

Paying Banca di Credito Cooperativo di Buccino in euros within SEPA

Inside SEPA, euro payments to Banca di Credito Cooperativo di Buccino use common rules and in most cases need only the IBAN. The BIC field is often optional in that case.

A SWIFT code like ICRAITRR does matter for payments in other currencies and when the money comes from outside SEPA. If your banking app asks for the BIC anyway, entering ICRAITRR is fine.

Instant payments in euros are increasingly available across SEPA. As long as no currency is converted, the transfer tends to be cheap; costs rise once a conversion is involved.

Receiving money from abroad at Banca di Credito Cooperativo di Buccino

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. Share the account holder’s name, the IBAN or account number, SWIFT code ICRAITRRFP0 and your address.

You can add the bank name and Buccino as well. A mistake in the IBAN can be more trouble than you might think, so copy the details from your online banking.

Expect that the incoming amount is smaller than the amount on the sender’s receipt. Charges on incoming payments vary from bank to bank – the price list of Banca di Credito Cooperativo di Buccino tells you what applies. For business payments, you can state who bears the costs to avoid a shortfall.

Paying into Banca di Credito Cooperativo di Buccino in EUR

Accounts at Banca di Credito Cooperativo di Buccino are usually held in EUR, the national currency of Italy. When you pay another currency, the amount has to be converted somewhere along the way: by your bank, an intermediary or Banca di Credito Cooperativo di Buccino itself. Every conversion costs something – usually through the rate rather than a fee.

Which bank converts the payment matters, because each party uses its own rate. Check how much EUR the recipient gets with several providers before choosing one.

Rates for EUR change during the day – some services let you fix a rate in advance. For recurring payments, small differences in the rate make a real difference over time.

8 or 11 characters: ICRAITRR versus ICRAITRRFP0

The layout of a BIC is always the same: a bank code of four letters, a two-letter country code and a two-character location code, sometimes followed by a branch code. In this case, the 8-character core is ICRAITRR.

XXX at the end of ICRAITRRFP0 does not stand for a placeholder or a mistake: it indicates the main office of Banca di Credito Cooperativo di Buccino. Some forms insist on 11 characters, in which case you can add XXX after ICRAITRR.

In practice the code is written in capitals, without spaces or dashes. A wrong character may route a payment to a different institution, so copy it carefully.

Transfer times and tracking a payment to Banca di Credito Cooperativo di Buccino

How quickly a payment reaches Banca di Credito Cooperativo di Buccino is determined by a few things: the currency, how many intermediary banks are involved, daily processing deadlines and time zones. Payments made after the cut-off time or on weekends and holidays usually go out the next business day. Occasionally a bank asks what the payment is for, which can hold things up.

Many banks use SWIFT gpi. Each payment carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Keep your transfer receipt until the money has arrived.

Only the sending bank can start an official trace or a recall; the receiving side usually has nothing to trace yet. Ask the sender for the payment receipt with the date and reference.

Changed bank details? Be careful

One of the most common tricks goes like this: an email arrives with a request saying that a contact now has a new bank account. A real SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Before paying, verify a change of bank details through a phone call, using a number you already had. Urgency or requests to keep it quiet are red flags – a real supplier can wait a day. If money has already gone to the wrong account, call your bank right away – speed improves the chance of getting it back.

Fraud can also target the receiver. 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.

A note on our data

We collect SWIFT/BIC codes using public sources and update our list from time to time. It can happen that information on this page is no longer current, for example after a merger. Counts and locations are from our own dataset.

Treat this page as a starting point, not as the last word. GoldexPay is independent of Banca di Credito Cooperativo di Buccino, we only compare transfer services. Spotted outdated information? Tell us via our contact form so we can correct it.