Banca di Credito Cooperativo di Falconara Marittima (An) Scrl SWIFT/BIC code

Banca di Credito Cooperativo di Falconara Marittima (An) Scrl SWIFT code: ICRAITR1

The short code ICRAITR1 and the full code ICRAITR12E3 identify the same bank: Banca di Credito Cooperativo di Falconara Marittima (An) Scrl, with its head office in Camerata Picena. A BIC does one job: it ensures that an international payment ends up at the right bank. It comes up mostly when dealing with payments that cross a border.

This page is meant to help anyone who pays into an account at Banca di Credito Cooperativo di Falconara Marittima (An) Scrl without mistakes. The BIC identifies an institution, not a specific account.

Changed bank details? Be careful

Fraudsters often use payment requests containing new bank details. The fact that ICRAITR1 exists does not mean that the account is legitimate; criminals use the codes of real banks too.

Never trust contact details from the same email that announces the new account. Pressure and secrecy are red flags. Already paid? Call the bank you paid from without delay and have them start a recall; also report it to the police.

Recipients are targeted too: one known trick is a buyer who pays too much followed by a request to refund the difference abroad. A screenshot of a transfer proves nothing – check your own account.

Do you need ICRAITR1 for a SEPA transfer?

Inside SEPA, euro payments to Banca di Credito Cooperativo di Falconara Marittima (An) Scrl use common rules, so the IBAN does the job in most cases. The BIC field is often optional in that case.

A SWIFT code like ICRAITR1 still matter when the currency is not euros. If a payment form asks for the BIC regardless, entering ICRAITR1 does no harm.

SEPA transfers normally land by the next business day. Fees for SEPA payments are generally low.

What the XXX in ICRAITR12E3 means

A BIC is made up of fixed blocks: characters one to four stand for the bank, characters five and six show the country and the two after that indicate the location. That gives you ICRAITR1, the short form of the code.

The full version has a three-character extension that identify a branch or department. When those three characters are XXX, they simply mean the head office.

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

International transfers from Banca di Credito Cooperativo di Falconara Marittima (An) Scrl: the real cost

A bank transfer abroad can cost rather more than the fee suggests. On top of a fixed fee, correspondent or intermediary banks may take a cut, and if the money changes currency, the bank usually uses a rate that is less favourable than the actual market rate.

The markup on the rate is often the biggest item even though it is not listed as a fee. Check their rate with the mid-market rate; the gap is what conversion costs you.

Money transfer services often use a rate near the mid-market rate with clearer fees. GoldexPay compares what recipients receive across services. You can always keep your account at Banca di Credito Cooperativo di Falconara Marittima (An) Scrl as the source of the money.

Receiving money from abroad at Banca di Credito Cooperativo di Falconara Marittima (An) Scrl

A sender in another country will ask for several details about your account, and missing ones are a common cause of delays. The basics are: your name, IBAN or account number, ICRAITR12E3 or ICRAITR1 and in many cases your home address.

The sender’s bank might also ask for the bank address of Banca di Credito Cooperativo di Falconara Marittima (An) Scrl, in which case the Camerata Picena head office is the usual answer. A typo in your account number can be more trouble than it looks; copy them from your banking app rather than typing.

Expect that the amount credited is smaller than what the sender paid. Fees for incoming transfers differ per bank; check the price list of Banca di Credito Cooperativo di Falconara Marittima (An) Scrl. Agree with the sender who covers the fees before the money is sent.

Verifying the SWIFT code of Banca di Credito Cooperativo di Falconara Marittima (An) Scrl

The best place to find the correct BIC is paperwork issued by the bank like a bank statement or the account page in online banking. If the code you have does not match ICRAITR1 or ICRAITR12E3, stop and ask.

If the code is wrong, the payment may be delayed, be returned or end up costing more, and tracing it can take weeks. Remember the IBAN: an error there is harder to undo than a wrong code.

An automatic check by your bank only tells you that the IBAN is valid. If your bank offers it, a name check on the recipient adds an extra layer of safety. For a first payment, some people start with a small amount first before sending the rest.

About this information

This directory is compiled from publicly available sources. Even so, banks merge or retire codes. The figures on this page are based on what is in our directory.

Before any payment that matters, always confirm the BIC with the recipient’s bank or with the recipient. GoldexPay is an independent comparison service for money transfers and not affiliated with Banca di Credito Cooperativo di Falconara Marittima (An) Scrl. Spotted an error? Tell us through the contact page.

How long does an international transfer to Banca di Credito Cooperativo di Falconara Marittima (An) Scrl take?

How fast a transfer arrives at Banca di Credito Cooperativo di Falconara Marittima (An) Scrl depends on a few things: which currency you send, the number of banks in between, daily processing deadlines and differences in time zone. Payments made late in the day or on a weekend or public holiday often go out a business day later. Compliance checks on larger or unusual payments may also cause a delay, regardless of the details.

When a payment takes longer than expected, contact the sending bank about the status or the UETR; with that reference banks can see where the payment is. Keep the payment confirmation until the money has arrived; it contains the details a bank needs to start a trace.

If a payment has not arrived after a few business days, the sender should contact their own bank rather than Banca di Credito Cooperativo di Falconara Marittima (An) Scrl. As a recipient, you can look at your account for a slightly lower amount, since fees may have been deducted.

Sending EUR to Banca di Credito Cooperativo di Falconara Marittima (An) Scrl

Italy uses the Euro, code EUR. When you pay another currency, the amount gets converted somewhere along the way – by your bank, by Banca di Credito Cooperativo di Falconara Marittima (An) Scrl or by a bank in between. You rarely see a separate line for the conversion.

Who does the conversion has an effect on how much arrives, since every bank sets its own rate. Sending the money directly in EUR often avoids an extra conversion by Banca di Credito Cooperativo di Falconara Marittima (An) Scrl, provided the rate you get is fair.

Exchange rates move during the day – some services let you fix a rate in advance. With bigger transfers, a small difference in the rate adds up quickly.

Head office or branch code at Banca di Credito Cooperativo di Falconara Marittima (An) Scrl?

Our database contains 4 SWIFT/BIC codes for Banca di Credito Cooperativo di Falconara Marittima (An) Scrl in 3 cities. Next to the head office code ICRAITR12E3, you will find codes for regional offices and specialised units.

Unless the recipient tells you otherwise, use ICRAITR12E3 or its short form ICRAITR1. When you receive a branch code, use it as it is rather than replacing it for the head office code.

The best way is to copy the code directly from the account holder’s statement. Branch codes are more prone to be retired than the head office code.