Banca di Credito Cooperativo di Filottrano Soc. Coop SWIFT/BIC code

Banca di Credito Cooperativo di Filottrano Soc. Coop SWIFT code: ICRAITR1

The 8-character code ICRAITR1 and the 11-character code ICRAITR1F9M identify the same bank: Banca di Credito Cooperativo di Filottrano Soc. Coop in Camerano, Italy. A SWIFT code tells the banks handling a payment which institution is meant to get the money, a bit like a postal address for banks. It comes up mainly when dealing with transfers between countries or a currency.

On this page you can read what the code means, when you need it and what else a transfer to or from Banca di Credito Cooperativo di Filottrano Soc. Coop requires. Keep in mind that the SWIFT code just identifies the bank, not the account: the IBAN or account number does that part.

Before you send: check the Banca di Credito Cooperativo di Filottrano Soc. Coop code

The most reliable source for the BIC is the recipient’s own bank details. If the code you have does not match ICRAITR1 or ICRAITR1F9M, stop and ask: check with the recipient or with Banca di Credito Cooperativo di Filottrano Soc. Coop directly.

If the code is wrong, the transfer might get stuck, be returned or cost extra, and tracing it can take weeks. Do not forget the IBAN: an error there can be harder to undo than a wrong BIC.

Most online banking apps validate the structure of IBANs, but that does not prove the account belongs to the right person. If your bank offers it, a name check on the recipient adds an extra layer of safety. For a first payment, many people start with a small amount first before sending the rest.

What the XXX in ICRAITR1F9M means

Every SWIFT/BIC code starts with the same eight core characters: four letters for the bank, a two-letter country code and two characters for the location. For Banca di Credito Cooperativo di Filottrano Soc. Coop, the 8-character core is ICRAITR1.

Many payment forms work with both lengths. If yours requires eleven characters, use ICRAITR1F9M, otherwise ICRAITR1 is fine.

Type the code in one piece, in capitals and without separators, exactly as shown here. A single letter can send the money to another bank.

Protect yourself against fake payment requests

Criminals regularly use payment requests containing changed bank details. The fact that ICRAITR1 exists does not mean that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Do not rely on contact details in the same message that contains the new account. Pressure or secrecy are warning signs – a real supplier can wait a day. If money was sent to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

Scams also target the receiver: someone sends too much and wants you to return the difference to a new account. A screenshot of a transfer is no proof; only your own account shows what has arrived.

Head office or branch code at Banca di Credito Cooperativo di Filottrano Soc. Coop?

Having 6 codes in 5 cities, Banca di Credito Cooperativo di Filottrano Soc. Coop is one of the banks that register individual codes for branches. The main code remains ICRAITR1F9M.

If nobody asks you for a branch code, go with ICRAITR1F9M or its short form ICRAITR1. If you have been given a specific code, use it as it is instead of replacing it for the head office code.

If you are not sure, ask the person you are paying which code their bank gave them. Branch codes are sometimes changed or retired over time, so a code from an old document is not always valid.

The Euro and what conversion costs you

The currency of Italy is the Euro (EUR). Money sent in a different currency will be exchanged into EUR before it reaches the account. You rarely see a separate charge for that conversion.

Who converts the payment matters. In many cases it is cheaper to send EUR straight away through a provider with a good rate rather than letting the receiving bank convert.

Rates for EUR change all the time – some services let you fix a rate in advance. If you pay regularly, a slightly better rate add up over a year.

Incoming international payments to Banca di Credito Cooperativo di Filottrano Soc. Coop

When you are waiting for a payment from another country, send the payer everything they need in one go. What they need is: the account holder’s name, account number or IBAN, ICRAITR1F9M or ICRAITR1 and in many cases your postal address.

Certain banks also ask for the name and address of Banca di Credito Cooperativo di Filottrano Soc. Coop. A typo in your account number can be harder to fix than it looks; copy them from your banking app rather than typing.

Money from abroad does not always land in full. Intermediary banks may deduct a fee, Banca di Credito Cooperativo di Filottrano Soc. Coop may charge for incoming payments, and when currencies differ, a markup on the rate comes on top. On invoices, it is common to state who bears the costs to avoid a shortfall.

SEPA payments and the Banca di Credito Cooperativo di Filottrano Soc. Coop BIC

Italy is a member of the Single Euro Payments Area (SEPA), where euro transfers follow common rules. For a standard euro transfer within SEPA, the IBAN is usually enough and the BIC is often filled in automatically.

For anything other than euros and from non-SEPA countries, ICRAITR1F9M or ICRAITR1 is still required. If a payment form has a field for the BIC regardless, entering ICRAITR1 does no harm.

SEPA transfers normally land by the next business day. As long as no currency is converted, the transfer is cheap; it is the conversion that costs money.

Sending money abroad from Banca di Credito Cooperativo di Filottrano Soc. Coop

When you send money abroad from Banca di Credito Cooperativo di Filottrano Soc. Coop, the visible fee is only part of the cost. There is the transfer fee, sometimes charges from correspondent banks along the way and, above all, the exchange rate markup if the currency changes.

That exchange rate margin tends to be the biggest cost, and it is easy to miss. An easy check: set the bank’s rate against the mid-market rate for the same moment and look at the difference.

For many currency pairs, a transfer service is cheaper than a bank. Before your next transfer, it is worth comparing what arrives via GoldexPay. You can still use your account at Banca di Credito Cooperativo di Filottrano Soc. Coop as the source of the money.

When will the money arrive at Banca di Credito Cooperativo di Filottrano Soc. Coop?

How quickly a payment reaches Banca di Credito Cooperativo di Filottrano Soc. Coop is determined by a few things: the currency, the number of banks in between, cut-off times and time zones. Transfers sent late in the day or on a weekend or public holiday often go out a business day later. Extra checks by one of the banks can also add a delay.

If a transfer seems late, contact the sending bank about the tracking status; with that reference banks can see where the payment is. Specialist transfer services often show tracking in their app showing where the payment has got.

If the money does not arrive within the expected time, the sender needs to contact their own bank rather than Banca di Credito Cooperativo di Filottrano Soc. Coop. Request from the sender the payment receipt including the reference – it helps your own bank look for the money.

A note on our data

We collect bank codes from public sources and update them regularly. Banks reorganise, close branches and retire codes. Figures such as the number of codes come from our directory.

Treat this page as a reference, not as the last word. We are a comparison site and not part of Banca di Credito Cooperativo di Filottrano Soc. Coop. If you notice something that is out of date, we appreciate a message.