Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l. SWIFT/BIC code

ICRAITR1 – the SWIFT/BIC code of Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l.

Whether you are given ICRAITR1 or ICRAITR1D59, you are looking at the same identifier for Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l. in Italy. 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 see it on international invoices, in payment forms and on the account details that Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l. provides.

On this page you will find what the code means, when you need it and what else you need for a transfer to or from Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l.. Keep in mind that the SWIFT code only identifies the bank, not the account: the account number or IBAN does that part.

International transfers from Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l.: the real cost

The price of a payment abroad has several parts – not just the fee on your screen. Besides a fixed fee, banks in between may deduct a fee, and if currencies are converted the bank often uses a rate below the real market rate.

The real cost is often in the rate, not in the fee: the bank converts using an exchange rate with a margin built in. Check their rate with the mid-market rate; the gap is what conversion costs you.

For many currency pairs, a specialist provider is cheaper than a traditional bank transfer, mainly because of the exchange rate. Next time you send money, it is worth comparing what arrives via GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not mean closing your account at Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l. – you pay the provider from your own account.

Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l.: head office code versus branch codes

Our database contains 10 SWIFT/BIC codes for Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l., spread over 9 cities. Next to the head office code ICRAITR1D59, you will find codes for branches, departments or specific services.

Usually you do not need to look up a branch: transfers sent to ICRAITR1D59 are routed within Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l. without problems. Just use a branch code when the recipient explicitly asks for it.

Not sure which code applies? Ask the recipient. Codes are sometimes changed or retired over time, so do not rely on old paperwork.

Watch out for payment fraud

Criminals often send payment requests containing new bank details sent from what looks like a familiar address. A correct SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Verify changed payment details via a separate channel, not by replying to the message. Be suspicious of time pressure, unusual wording or a sender address that is slightly off. When a payment was sent to a fraudster, call your bank right away.

Scams can also target the receiver: someone sends more than agreed and asks you to refund the extra. Do not act before the money has really arrived and check with Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l. if anything seems off.

A note on our data

We gather SWIFT/BIC codes from publicly available data and check our list regularly. Still, banks merge, rename themselves or change codes and our data may lag behind. The figures we show reflect what is in our directory and not on information from Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l. itself.

Use our data as a starting point, rather than as the final word. GoldexPay has no connection to Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l., we only compare transfer services. Should you notice a mistake, we welcome a message.

ICRAITR1 or ICRAITR1D59 – which one to use?

The layout of every SWIFT code is always the same: a bank code of four letters, two for the country and two for the location, sometimes followed by a branch code. The result is ICRAITR1, the short form of the code.

The full version adds three more characters for a branch or department. When those three characters are XXX, the code points to the head office, which is why ICRAITR1D59 and ICRAITR1 lead to the same place.

In practice the code is written in capitals and without spaces. A wrong character may route a payment to another bank, so check it twice.

Receiving money from abroad at Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l.

For a transfer from abroad into your account at Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l., the person paying you needs not just the BIC. The basics are: your name, IBAN or account number, ICRAITR1D59 or ICRAITR1 and in many cases your postal address.

It helps to add the bank name and Castiglione Messer Raimondo as well. Check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

Money from abroad will not always land for the full amount. Correspondent banks can take a fee, Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l. may charge for incoming payments, and if the money is converted, a markup on the rate comes on top. Make clear with the sender who pays which costs before the money is sent.

Euro (EUR) and conversion costs

Italy uses the Euro (EUR). When you pay money in a different currency, the amount has to be converted at some point: by your bank, an intermediary or Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l. itself. There is rarely a separate line for that conversion – the cost sits in the rate.

Where the conversion happens has an effect on the final amount, since every bank sets its own rate. Compare what EUR the recipient gets with several services.

Exchange rates move all the time – some services let you fix a rate in advance. On larger amounts, a seemingly small gap in the rate can be worth more than the fee.

Is ICRAITR1 still correct? How to check

Ask the recipient to send you the account details straight from a recent statement. Check that code against ICRAITR1 on this page; if they differ, ask before you pay.

If the code is wrong, the transfer may be delayed, be returned or cost extra – sometimes after weeks of searching. Remember the IBAN: a mistake there is harder to undo than a wrong code.

Most online banking apps check the structure of IBANs and some suggest the matching BIC. More and more banks check the payee name with the account before you confirm – do not ignore a mismatch warning. For a first payment, many people send a small test amount and wait for confirmation.

Do you need ICRAITR1 for a SEPA transfer?

Italy belongs to the SEPA area. When you send euros within SEPA, you normally only need the IBAN.

For anything other than euros and from non-SEPA countries, ICRAITR1D59 is still required. A few banks and apps also ask for the BIC out of habit; in that case, fill in ICRAITR1.

Instant payments in euros are widely available within SEPA; check with Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l. whether it applies to your account. Provided the payment stays in euros, a SEPA transfer is cheap; costs rise once a conversion is involved.

When will the money arrive at Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l.?

How fast a payment reaches Banca di Credito Cooperativo di Castiglione Messer Raimondo e Pianella S.c.p.a.r.l. depends on a few things: the currency, the number of banks in between, daily processing deadlines and differences in time zone. Transfers sent after the cut-off time or on a weekend or public holiday usually start a business day later. Compliance checks by one of the banks may also add some delay.

Many banks use SWIFT gpi for faster and traceable payments. Every gpi transfer carries a unique reference, the UETR, which your bank can use to see where the money is. Keep the payment confirmation until the money has arrived.

A delayed transfer is traced from the sending side, using the payment confirmation. Request from the sender a copy of the payment confirmation including the reference.