Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa SWIFT/BIC code

SWIFT/BIC code of Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa

If an invoice shows ICRAITR1 or ICRAITR1KO1, it is the same identifier for Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa in Italy. Every bank on the SWIFT network uses BIC codes to route payments between countries to the right bank. It comes up mainly when dealing with payments that cross a border.

Further down we go through the practical side: receiving money at Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa, sending money abroad and how to verify a SWIFT code before you hit send. The SWIFT code on its own cannot identify an individual account holder; that is what the IBAN or account number is for.

How up to date is this code?

We gather SWIFT/BIC codes from publicly available data and check our list from time to time. It is possible that information here is no longer current. The figures on this page are based on what is in our directory and not on information from Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa itself.

Treat the information on this page as a helpful check and rely on the recipient or Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa for the final confirmation. GoldexPay is a comparison service for money transfers and not part of Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa. Spotted an error? Tell us via our contact form and we will look into it.

Protect yourself against fake payment requests

One of the most common tricks goes like this: you receive a message claiming that a contact has new bank details and asking you to pay there from now on. The fact that ICRAITR1 exists does not mean that the account is legitimate; criminals use the codes of real banks too.

Do not rely on contact details in the same message that contains the change. Urgency and requests to keep it quiet are warning signs. Acted too fast? Call your bank straight away and have them start a recall.

People receiving money are targeted too: a classic trick is an overpayment followed by a request to refund the difference. A screenshot of a transfer is no proof.

Choosing between the 5 SWIFT codes of Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa

We have 5 SWIFT/BIC codes for Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa, spread over 3 locations. Besides the head office code ICRAITR1KO1, there are codes for individual branches and departments.

In most cases there is no need to pick a branch: payments sent to ICRAITR1KO1 reach Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa correctly. Only use a branch code when your contact explicitly asks for it, for example on a letter or invoice.

When in doubt, check with the recipient which code their bank gave them. Branch codes can change over time, so do not rely on old paperwork.

Euro (EUR) and conversion costs

Most accounts at Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa are typically held in EUR, the national currency of Italy. A payment in a foreign currency will be exchanged into EUR before it reaches the account, and whoever converts it chooses the rate. There is rarely a separate charge for the conversion; it is built into the rate.

Who converts the money makes a difference, because each party uses its own rate. Check how much EUR arrives with several services.

The EUR rate fluctuates throughout the day. For regular payments, small differences in the rate add up over time.

Verifying the SWIFT code of Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa

The safest source for the BIC is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. Check that code with ICRAITR1 on this page.

If the code is wrong, the payment may get stuck, bounce back or cost extra – sometimes after weeks of searching. A mistake in the account number is a bigger problem, so check that just as carefully.

Many banking apps check the structure of an IBAN – that confirms the format, not the owner. If your bank offers it, a payee name check before sending gives extra certainty. A small test payment can be a sensible step for large sums despite the extra fee.

Paying Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa in euros within SEPA

Italy is part of the SEPA area, the zone for standardised euro payments. For a standard euro transfer from another SEPA country, you normally only need the IBAN; many banks no longer ask for the BIC.

A SWIFT code like ICRAITR1 does come into play for payments in other currencies, and for transfers from outside SEPA. Some banks and apps still show a field for the BIC; if so, enter ICRAITR1.

SEPA transfers normally land within one business day, and instant transfers in seconds where both banks support them. Provided the payment stays in euros, a SEPA transfer is inexpensive; costs rise once a conversion is involved.

International transfers from Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa: the real cost

An international bank payment can cost more than the fee suggests. Besides the transfer fee, correspondent or intermediary banks can deduct a fee, and if the money changes currency the bank often applies a rate that is less favourable than the actual market rate.

The real cost is often in the rate, not in the fee: the bank converts using an exchange rate that includes a margin. An easy check: put the rate you get next to the mid-market rate for the same moment and look at the difference.

For a lot of currency pairs, a specialist provider is cheaper than a traditional bank transfer. Next time you send money, it is worth to compare what arrives on GoldexPay instead of going straight to your bank. You can always use your account at Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa as the source of the money.

Transfer times and tracking a payment to Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa

How quickly a payment arrives at Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa depends on a few things: which currency you send, the number of banks in between, cut-off times and time zones. Payments made after the cut-off time or just before a weekend or public holiday usually go out the next business day. Compliance checks on larger or unusual payments can also add some delay, regardless of the details.

A growing number of banks use SWIFT gpi. Every payment gets a unique reference, the UETR, which your bank can use to see where the money is. Save your transfer receipt until the recipient confirms.

The bank that sent the money can request a trace or a recall; the receiving side usually has nothing to trace yet. As a recipient, you can check your statements to see a slightly lower amount.

8 or 11 characters: ICRAITR1 versus ICRAITR1KO1

The structure of every SWIFT code never changes: a bank code of four letters, a two-letter country code and two for the location, sometimes followed by a branch code. The result is ICRAITR1 for Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa.

Most payment forms accept both lengths. If a form requires eleven characters, use ICRAITR1KO1, otherwise ICRAITR1 is fine.

Leave out spaces, dots when you enter ICRAITR1 or ICRAITR1KO1. Copying the code beats typing it by hand: a typo can point to another bank.

Receiving money from abroad at Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa

When you expect money from abroad, give the sender a complete set of details. In practice that means: your full name as registered with Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa, your account number or IBAN, the SWIFT/BIC code ICRAITR1KO1 and, often, your address.

Some banks want the name and address of Banca di Credito Cooperativo di Dovera e Postino Societa' Cooperativa in Dovera. A typo in the IBAN can be harder to fix than you might think, so copy the details from your online banking.

What lands in your account can be less than the amount sent. Charges on incoming payments differ per bank. Agree with the sender who pays which costs before the money is sent.