Banca di Credito Cooperativo di Canosa -Loconia Scrl SWIFT/BIC code

SWIFT/BIC code of Banca di Credito Cooperativo di Canosa -Loconia Scrl

ICRAITRR and ICRAITRRGU0 are two ways of writing the same bank identifier, and both lead to Banca di Credito Cooperativo di Canosa -Loconia Scrl in Canosa di Puglia. A SWIFT code tells the sending bank exactly which bank is meant to get the money, a bit like a postal address for banks. In practice you usually come across it on invoices from abroad, in payment forms and on the account details of Banca di Credito Cooperativo di Canosa -Loconia Scrl customers.

On this page you can read what the code means, when it matters and which other details you need for a transfer to or from Banca di Credito Cooperativo di Canosa -Loconia Scrl. Keep in mind that the SWIFT code just identifies the bank, not the account: the account number or IBAN does that part.

About this information

We gather SWIFT/BIC codes using public sources and check them from time to time. Banks reorganise, change names and retire codes. Figures such as the number of codes come from our own dataset and are not confirmed by Banca di Credito Cooperativo di Canosa -Loconia Scrl.

Treat the information here as a handy check. GoldexPay is a comparison service and not part of Banca di Credito Cooperativo di Canosa -Loconia Scrl. Found outdated information? Tell us through the contact page.

Transfer times and tracking a payment to Banca di Credito Cooperativo di Canosa -Loconia Scrl

An international transfer usually takes anywhere from one to several business days, depending on the currency, the route and the banks involved. Bank holidays in either country can add a day or more. Extra checks by one of the banks can also cause some delay, even when all details are correct.

If a transfer seems delayed, ask your bank for the status so they can trace it along the chain. Specialist transfer services often provide tracking online so you can see how far the money has got.

The bank that sent the money is able to request a trace or a recall. On the receiving end, it helps to check your account for a partial amount, since fees may have been deducted.

What a transfer from Banca di Credito Cooperativo di Canosa -Loconia Scrl abroad really costs

An international bank payment can cost more than the fee suggests. Besides a fixed fee, banks in between can deduct a fee, and when currencies are converted the bank often applies a rate below the actual market rate.

Many banks do not list the margin on the rate separately. An easy check: put the bank’s rate against the mid-market rate for the same moment and work out the difference on your amount.

Specialised transfer providers frequently offer rates closer to the mid-market rate and lower fees. Before your next transfer, take a minute comparing the total cost via GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not require leaving Banca di Credito Cooperativo di Canosa -Loconia Scrl: you simply pay the service from your account.

Why Banca di Credito Cooperativo di Canosa -Loconia Scrl has an 8- and an 11-character code

A SWIFT code is made up of a few fixed parts: the first four letters identify the bank, the next two give the country and the two after that mark the location. That gives you ICRAITRR, the short form of the code.

Many banks and apps work with both lengths. If yours requires eleven characters, enter ICRAITRRGU0; if it wants eight, use ICRAITRR.

As a rule the code is typed in capitals. Watch for the letter O and the digit 0 and the letter I and the digit 1; they are easy to mix up.

SEPA payments and the Banca di Credito Cooperativo di Canosa -Loconia Scrl BIC

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

Outside the euro and from non-SEPA countries, ICRAITRRGU0 remains part of the payment details. Some forms also show a field for the BIC; in that case, fill in ICRAITRR.

Euro payments within SEPA usually arrive within one business day. Fees for SEPA payments are generally low as long as everything stays in euros.

Getting paid from abroad into a Banca di Credito Cooperativo di Canosa -Loconia Scrl account

For a transfer from abroad into your account at Banca di Credito Cooperativo di Canosa -Loconia Scrl, the sender has to have not just the BIC. What they need is: your name, IBAN or account number, ICRAITRRGU0 or ICRAITRR and in many cases your postal address.

You can include Banca di Credito Cooperativo di Canosa -Loconia Scrl and Canosa di Puglia too, because some payment forms have separate fields for them. Double-check the details before you send them, because the sender’s bank usually copies them as is.

What lands in your account is often lower than the amount sent. Charges on incoming payments differ from bank to bank. Make clear with the sender who pays which costs before the money is sent.

Head office or branch code at Banca di Credito Cooperativo di Canosa -Loconia Scrl?

Having 2 codes in 2 locations, Banca di Credito Cooperativo di Canosa -Loconia Scrl belongs to the banks that register separate codes for branches. The head office code is ICRAITRRGU0.

Unless the recipient tells you otherwise, go with ICRAITRRGU0. When you receive a specific code, stick to it rather than replacing it with the head office code.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Codes for branches are more likely to be retired than ICRAITRRGU0 when a bank merges or closes offices.

Scams that use SWIFT codes

A common scam goes like this: you receive a message claiming that a company has new bank details and that the next payment should go there. The fact that ICRAITRR exists does not mean that a request mentioning it is genuine.

Always confirm changed bank details by phone on a number you know, not one from the message. Urgency and secrecy are red flags – a real supplier can wait a day. Acted too fast? Call the bank you paid from straight away and ask them to try to recall the payment.

People receiving money can be targeted as well: a classic trick is an overpayment and then sends a request to send back the difference. A screenshot of a transfer proves nothing – check your own account.

Verifying the SWIFT code of Banca di Credito Cooperativo di Canosa -Loconia Scrl

Have the recipient copy their bank details directly from their banking app. Check that code against ICRAITRR on this page; if they differ, ask before you pay.

An incorrect BIC may lead to a delay, a returned payment or extra fees. A mistake in the account number can be more serious, because the money may be credited to someone else.

An automatic check by your bank merely confirms that the IBAN exists, not that it is the right account. Some banks now check the name against the account before you confirm. For a first payment, some people start with a small amount first before sending the rest.

Paying into Banca di Credito Cooperativo di Canosa -Loconia Scrl in EUR

Most accounts at Banca di Credito Cooperativo di Canosa -Loconia Scrl are usually held in EUR, the national currency. If you send another currency, the amount has to be converted somewhere along the way: by your bank, an intermediary or Banca di Credito Cooperativo di Canosa -Loconia Scrl itself. Every conversion eats into the amount.

Who does the conversion has an effect on the final amount. In many cases you pay less if you send EUR straight away via a transfer service with a good rate, so that the receiving bank does not need to convert again.

Rates for EUR change during the day – some services let you fix a rate in advance. For regular payments, small differences in the rate add up over time.