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

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

The short code ICRAITR1 and the full code ICRAITR1G2C identify the same bank: Banca di Credito Cooperativo di Gradara-Societa' Cooperativa. Every bank on the SWIFT network uses these codes to direct international transfers to the correct institution. In practice you usually come across it on international invoices, in payment forms and in the bank details of Banca di Credito Cooperativo di Gradara-Societa' Cooperativa customers.

On this page you will find what the code is put together, when you need it and which other details you need for a transfer to or from Banca di Credito Cooperativo di Gradara-Societa' Cooperativa. Remember that the SWIFT code just identifies the bank, not the person: the account number or IBAN does that part.

About this information

The codes on this page come from public sources which we refresh regularly. Even so, banks merge or retire codes and our data may lag behind. Figures such as the number of codes come from our directory.

Treat our data as a starting point, not as the last word: the recipient’s bank details come first. GoldexPay has no connection to Banca di Credito Cooperativo di Gradara-Societa' Cooperativa. Spotted outdated information? Let us know via our contact form so we can correct it.

Tracking a transfer to or from Banca di Credito Cooperativo di Gradara-Societa' Cooperativa

There is no fixed delivery time for international payments: some arrive within a day while others need several business days. Weekends and public holidays in either country add a day or more. Occasionally a bank wants to know what the payment is for before releasing it.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each payment gets 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.

The bank that sent the money can request a trace; the receiving side usually has nothing to trace yet. As a recipient, you can check your statements for a partial amount.

SEPA payments and the Banca di Credito Cooperativo di Gradara-Societa' Cooperativa BIC

Italy belongs to the Single Euro Payments Area (SEPA), the zone for uniform euro payments. When you send euros from another SEPA country, the IBAN is usually enough and the BIC is often filled in automatically.

You will still need ICRAITR1G2C when sending non-euro payments or money from outside the SEPA area. If a payment form asks for the BIC anyway, adding ICRAITR1 is fine.

Instant euro transfers have become increasingly supported within SEPA. Provided the payment stays in euros, the transfer tends to be inexpensive; it is the conversion that costs money.

Choosing between the 5 SWIFT codes of Banca di Credito Cooperativo di Gradara-Societa' Cooperativa

Our directory lists 5 SWIFT/BIC codes for Banca di Credito Cooperativo di Gradara-Societa' Cooperativa. Next to the head office code ICRAITR1G2C, you will find codes for branches, departments or specific services.

For the vast majority of incoming transfers, the head office code ICRAITR1G2C works fine. If you have been given a specific code, use it as it is rather than swapping it for the head office code.

Unsure which code applies? Ask the recipient. Codes can change over time, so do not rely on old paperwork.

Scams that use SWIFT codes

Fraudsters often send payment requests containing changed bank details. The fact that ICRAITR1 exists does not mean that the account is legitimate – fraudsters use real bank codes as well.

Always verify changed bank details by phone, using a number you already had. Be suspicious of time pressure, odd spelling or a sender address that is slightly off. When a payment was sent to a fraudster, contact your bank immediately.

People receiving money are targeted too: a classic trick is an overpayment followed by a request to refund the difference abroad. A payment confirmation from the sender is no proof; only your own account shows what has arrived.

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

A sender in another country will ask for a few details from you. Share your name as the bank knows it, your account number or IBAN, SWIFT code ICRAITR1G2C and your address, which some banks require.

The sender’s bank may request the bank address of Banca di Credito Cooperativo di Gradara-Societa' Cooperativa, in which case the Gabicce Mare head office is the usual answer. Check each detail before you send them, because the sender’s bank usually copies them as is.

What lands in your account can be less than the amount sent. Correspondent banks can take a fee, and if the currency changes, a markup on the rate comes on top. Make clear with the sender who pays which costs before the money is sent.

What the XXX in ICRAITR1G2C means

Each SWIFT/BIC code has an 8-character core: four letters for the bank, a two-letter country code and two characters for the location. The result is ICRAITR1, the short form of the code.

Many payment forms accept both lengths. If a form requires eleven characters, use ICRAITR1G2C, otherwise ICRAITR1 is fine.

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

How to check ICRAITR1 before you pay

The most reliable source for the BIC is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. If the code you have does not match ICRAITR1 or ICRAITR1G2C, do not guess – contact the recipient or Banca di Credito Cooperativo di Gradara-Societa' Cooperativa.

A wrong SWIFT code may lead to delays, a payment being sent back or extra fees for investigation. A mistake in the account number is a bigger problem, so check that just as carefully.

Many banking apps validate the format of an IBAN – that confirms the format, not the owner. More and more banks compare the payee name against the account; take any warning seriously. For a first payment, many people send a small amount first.

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

Accounts at Banca di Credito Cooperativo di Gradara-Societa' Cooperativa are usually held in EUR, the national currency. Money sent in a different currency will be converted into EUR before it reaches the account. Each conversion costs the amount.

Where the conversion happens affects the final amount, as rates and margins differ per bank. Compare what EUR arrives with different providers.

Exchange rates change all the time, and some providers let you lock in a rate. For regular payments, a slightly better rate make a real difference over time.

Paying someone abroad from your Banca di Credito Cooperativo di Gradara-Societa' Cooperativa account

If you send money to another country through Banca di Credito Cooperativo di Gradara-Societa' Cooperativa, the fee you see is rarely all of what you pay. There is the fee for the transfer itself, possibly charges from correspondent banks along the way and, most importantly, the exchange rate markup.

Most of the cost usually sits in the exchange rate, rather than in the fee: the bank converts at a rate that includes a margin. Compare the rate you are offered with the mid-market rate; the gap is what conversion costs you.

Money transfer services often use a rate near the mid-market rate and lower fees. GoldexPay lists transfer providers next to each other so you can see what actually arrives. You can still keep your account at Banca di Credito Cooperativo di Gradara-Societa' Cooperativa to fund the transfer.