Banca di Credito Cooperativo di Gradara Societa' Cooperativa SWIFT/BIC code

Banca di Credito Cooperativo di Gradara Societa' Cooperativa SWIFT code: ICRAITR1

The 8-character code ICRAITR1 and the full code ICRAITR1G21 refer to one and the same institution: Banca di Credito Cooperativo di Gradara Societa' Cooperativa in Cattolica, Italy. Every bank on the SWIFT network uses BIC codes to direct payments between countries to the right bank. In practice you usually come across it on international invoices, in your banking app and in the bank details that Banca di Credito Cooperativo di Gradara Societa' Cooperativa provides.

This page is meant to help anyone who pays into an account at Banca di Credito Cooperativo di Gradara Societa' Cooperativa without mistakes. Keep in mind that the SWIFT code only identifies the bank, not the person: the account number or IBAN takes care of that.

Sending EUR to Banca di Credito Cooperativo di Gradara Societa' Cooperativa

Italy pays in the Euro. When you pay money in a different currency it has to be converted at some point – by your bank, by Banca di Credito Cooperativo di Gradara Societa' Cooperativa or by a bank in between. You rarely see a separate line for the conversion.

Who converts the payment makes a difference, because each party uses its own rate. Check what EUR arrives with different services before choosing one.

The rate for EUR changes constantly. For recurring payments, small differences in the rate make a real difference over time.

Changed bank details? Be careful

One of the most common tricks works like this: you receive a request saying that a contact now has a new bank account and asking you to pay there from now on. The fact that ICRAITR1 exists is no guarantee that the account is genuine; criminals use the codes of real banks too.

Check changed payment details via a different channel, such as a phone number you already know. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. If money was sent to a fraudster, call your bank right away.

Fraud also work the other way. Someone sends more than agreed and wants you to refund the extra. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

8 or 11 characters: ICRAITR1 versus ICRAITR1G21

A BIC is made up of fixed blocks: characters one to four identify the bank, characters five and six give the country and characters seven and eight mark the location. Together, those parts make up ICRAITR1.

Most payment forms accept either length. If a form asks for eleven characters, enter ICRAITR1G21, otherwise ICRAITR1 is fine.

In practice the code is written in capitals and without spaces. Copying the code is safer than retyping it: a typo can point to another bank.

Head office or branch code at Banca di Credito Cooperativo di Gradara Societa' Cooperativa?

Our database contains 11 SWIFT/BIC codes for Banca di Credito Cooperativo di Gradara Societa' Cooperativa, spread over 9 cities. Besides the head office code ICRAITR1G21, there are codes for individual branches and departments.

For the vast majority of incoming transfers, the head office code ICRAITR1G21 is the right choice. If you have been given a specific code, use it as it is rather than swapping it with the head office code.

Unsure which code to use? Ask the recipient, or look at a recent statement from Banca di Credito Cooperativo di Gradara Societa' Cooperativa. Codes for branches are more prone to change than the head office code.

Sending money abroad from Banca di Credito Cooperativo di Gradara Societa' Cooperativa

When you send money to another country from Banca di Credito Cooperativo di Gradara Societa' Cooperativa, the fee you see is only part of what you pay. You pay the fee for the transfer itself, possibly charges from correspondent banks in between and, above all, the exchange rate markup.

The markup on the rate tends to be the largest item because it is hidden in the rate. Compare their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

Money transfer services often offer a rate near the mid-market rate. GoldexPay compares the amount that arrives with different services, which makes the cheapest option easy to spot. You can still keep your account at Banca di Credito Cooperativo di Gradara Societa' Cooperativa as the source of the money, while a cheaper service handles the conversion.

Is ICRAITR1 still correct? How to check

Ask the recipient to send you their bank details directly from a recent statement. If the code you have does not match ICRAITR1 or ICRAITR1G21, stop and ask: check with the recipient or with Banca di Credito Cooperativo di Gradara Societa' Cooperativa directly.

An incorrect BIC can cause delays, a returned payment or extra fees along the way. Remember the account number: a mistake there is harder to undo than a wrong code.

A validity check by your bank merely confirms that the code exists, not that it is the right account. If your bank offers it, a name check before sending adds extra certainty. Sending a small amount first is worth it for a large first payment, even if it costs an extra fee.

Getting paid from abroad into a Banca di Credito Cooperativo di Gradara Societa' Cooperativa account

A sender in another country will ask for several details from you, and missing ones are a common cause of delays. Share your name as the bank knows it, your account number or IBAN, the BIC ICRAITR1G21 and your address.

Their bank may request the address of your bank. Check the details before you send them, because the sender’s bank usually copies them as is.

Do not be surprised if the incoming amount is smaller than what the sender paid. Fees for incoming transfers vary per bank; check the price list of Banca di Credito Cooperativo di Gradara Societa' Cooperativa. Agree with the sender who pays which costs.

A note on our data

We gather SWIFT/BIC codes from public sources and update our list regularly. Still, banks merge, rename themselves or change codes and our data may lag behind. The number of codes we show are based on our own data and not on information from Banca di Credito Cooperativo di Gradara Societa' Cooperativa itself.

For any payment that matters, always check the code with the recipient’s bank or the recipient. GoldexPay has no connection to Banca di Credito Cooperativo di Gradara Societa' Cooperativa, we only compare transfer services. Should you notice something that is out of date, we appreciate a message.

Transfer times and tracking a payment to Banca di Credito Cooperativo di Gradara Societa' Cooperativa

A SWIFT payment usually needs anywhere from one to several business days – it depends on currency, route and the banks in between. Bank holidays in the sending or receiving country add a day or more, since banks do not process on those days. Compliance checks on larger or unusual payments can also add a delay.

When a payment takes longer than expected, contact the sending bank about the status and the transaction reference; with that reference banks can see where the payment is. Save your transfer receipt – you will need it for any trace request.

Only the sending bank can request a trace or a recall. Request from the sender a copy of the payment confirmation; that often settles the question quickly.

Do you need ICRAITR1 for a SEPA transfer?

Since Italy is part of SEPA, a euro payment into Banca di Credito Cooperativo di Gradara Societa' Cooperativa from within the SEPA area normally requires just the IBAN. Many banks do not require the BIC for these payments or fill it in for you.

Outside the euro and for senders outside SEPA, ICRAITR1G21 remains required. If a payment form has a field for the BIC regardless, adding ICRAITR1 does no harm.

Instant euro transfers have become widely supported within SEPA – whether Banca di Credito Cooperativo di Gradara Societa' Cooperativa offers them for your account is worth checking. Fees for SEPA transfers are generally low.