Banca di Credito Cooperativo di Ostra e Morro D'alba S.c.r.l. SWIFT/BIC code

SWIFT/BIC code of Banca di Credito Cooperativo di Ostra e Morro D'alba S.c.r.l.

ICRAITR1 and ICRAITR1JK6 are two ways of writing the same bank identifier, and both point to Banca di Credito Cooperativo di Ostra e Morro D'alba S.c.r.l. in Chiaravalle. Every bank on the SWIFT network uses these codes to route international transfers to the correct bank. You will need it mainly for transfers between countries.

This page is meant to help people who sends money to an account at Banca di Credito Cooperativo di Ostra e Morro D'alba S.c.r.l. and wants to get the details right. A SWIFT code names a bank or branch, not a single account; the IBAN or account number does that.

Banca di Credito Cooperativo di Ostra e Morro D'alba S.c.r.l.: head office code versus branch codes

Our database contains 6 SWIFT/BIC codes for Banca di Credito Cooperativo di Ostra e Morro D'alba S.c.r.l. in 6 places. Next to the head office code ICRAITR1JK6, you will find codes for branches, departments or specific services.

Unless the recipient tells you otherwise, use ICRAITR1JK6 or its short form ICRAITR1. When you receive a specific code, use it as it is rather than swapping 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 when banks reorganise, so do not rely on old paperwork.

Paying someone abroad from your Banca di Credito Cooperativo di Ostra e Morro D'alba S.c.r.l. account

The price of an international transfer has more than one component. You pay the fee for the transfer itself, sometimes fees charged by intermediary banks along the way and, above all, the margin on the exchange rate if the currency changes.

That exchange rate margin is often the biggest cost because it is hidden in the rate. Compare the rate you are offered against the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

For many routes, a specialist provider turns out to be less expensive than a bank. GoldexPay compares what recipients receive across providers, so you can pick the cheapest route. You can always use your account at Banca di Credito Cooperativo di Ostra e Morro D'alba S.c.r.l. to fund the transfer.

Tracking a transfer to or from Banca di Credito Cooperativo di Ostra e Morro D'alba S.c.r.l.

An international transfer usually needs anywhere from one to several business days, depending on the currency, the route and the banks involved. Weekends and public holidays in either country add extra days to the journey. Compliance checks on larger or unusual payments may also add some delay.

A growing number of banks use SWIFT gpi. Each payment carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Money transfer services usually provide tracking in their app so you can see where the money is.

A delayed transfer is investigated by the sending bank. Request from the sender a copy of the payment confirmation – it helps your own bank look for the money.

What the XXX in ICRAITR1JK6 means

The structure of every SWIFT code is always the same: a bank code of four letters, two for the country and two for the location. In this case, the 8-character core is ICRAITR1.

XXX at the end of ICRAITR1JK6 does not stand for a missing value or a mistake: it stands for the head office of Banca di Credito Cooperativo di Ostra e Morro D'alba S.c.r.l.. Some forms insist on 11 characters, in which case you simply enter XXX after ICRAITR1.

Leave out spaces, dots when you type ICRAITR1 or ICRAITR1JK6. Copying the code is safer than retyping it, because one wrong letter changes the bank.

Watch out for payment fraud

Criminals often use fake invoices with changed bank details sent from what looks like a familiar address. A real SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Check new payment details through a different channel, such as a phone number you already know, not by replying to the message. Pressure or requests to keep it quiet are warning signs – a real supplier can wait a day. Already paid? Call the bank you paid from straight away and have them start a recall and report the fraud.

Scams also work the other way. Someone sends too much and wants you to return the extra to a new account. Do not act before the money has really arrived.

Receiving money from abroad at Banca di Credito Cooperativo di Ostra e Morro D'alba S.c.r.l.

Someone abroad who wants to pay you needs several details about your account, and missing ones are a common cause of delays. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code ICRAITR1JK6 and, often, your address.

It helps to include Banca di Credito Cooperativo di Ostra e Morro D'alba S.c.r.l. and its city too, since some forms ask for it. Double-check each detail before you share them – a sender rarely spots a mistake in someone else’s details.

Expect that the incoming amount is below what the sender paid. Intermediary banks may deduct a fee, and if the currency changes, an exchange rate margin applies. Agree with the sender who pays which costs, especially for larger amounts.

Sending EUR to Banca di Credito Cooperativo di Ostra e Morro D'alba S.c.r.l.

Accounts at Banca di Credito Cooperativo di Ostra e Morro D'alba S.c.r.l. are usually held in EUR, the local currency of Italy. When you pay money in a different currency gets converted somewhere along the way – by your bank, by Banca di Credito Cooperativo di Ostra e Morro D'alba S.c.r.l. or by a bank in between. You rarely see a separate charge for that conversion.

Where the conversion happens has an effect on how much arrives. Compare what EUR the recipient gets via different providers.

The EUR rate fluctuates throughout the day and quotes are often valid only for a short time. For recurring payments, small differences in the rate add up over a year.

Euro transfers to Banca di Credito Cooperativo di Ostra e Morro D'alba S.c.r.l.: is a BIC needed?

Inside SEPA, euro transfers to an account in Italy follow common rules, so the IBAN does the job in most cases. A field for the BIC is usually optional or missing in that case.

You will still need ICRAITR1JK6 for non-euro payments or transfers from countries outside SEPA. A few banks and apps also ask for the BIC; in that case, enter ICRAITR1.

Euro payments within SEPA normally land by the next business day; instant payments are faster if both banks offer them. Provided the payment stays in euros, a SEPA transfer tends to be cheap.

Where our SWIFT data comes from

The codes on this page are taken from publicly available data that we update regularly. Institutions reorganise, close branches and change codes. The number of codes we show are based on our own data, not official figures from Banca di Credito Cooperativo di Ostra e Morro D'alba S.c.r.l..

For any payment of any size, check the BIC with the recipient’s bank or with the recipient. GoldexPay is independent of Banca di Credito Cooperativo di Ostra e Morro D'alba S.c.r.l.. Found an error? Let us know via our contact form so we can correct it.

Verifying the SWIFT code of Banca di Credito Cooperativo di Ostra e Morro D'alba S.c.r.l.

The most reliable place for the right code is a document from the bank itself, such as a statement or the account details in online banking. Check that code against ICRAITR1 here.

If the code is wrong, the payment might get stuck, be returned or cost extra. Do not forget the IBAN: an error there is harder to correct than a wrong code.

A format check by your bank merely tells you that the IBAN is valid. If your bank offers it, a name check on the recipient adds extra certainty. For a first payment, some people send a small test amount.