Banca di Credito Cooperativo di Pergola Soc.coop. SWIFT/BIC code

ICRAITR1 – the SWIFT/BIC code of Banca di Credito Cooperativo di Pergola Soc.coop.

The short code ICRAITR1 and the full code ICRAITR1KB6 identify the same bank: Banca di Credito Cooperativo di Pergola Soc.coop. in Acqualagna, Italy. The code does one job: it makes sure that money from abroad reaches the right bank. In daily life you usually see it on international invoices, in payment forms and in the bank details of Banca di Credito Cooperativo di Pergola Soc.coop. customers.

On this page you will find how the code is put together, when it matters and which other details you need for a transfer to or from Banca di Credito Cooperativo di Pergola Soc.coop.. The SWIFT code alone does not identify a personal account; for that you need the IBAN or account number .

What to give a sender who pays you at Banca di Credito Cooperativo di Pergola Soc.coop.

For a transfer from abroad at Banca di Credito Cooperativo di Pergola Soc.coop., the person paying you has to have more than the SWIFT code. Share your name as the bank knows it, the IBAN or account number, the BIC ICRAITR1KB6 and your address, which some banks require.

You can include Banca di Credito Cooperativo di Pergola Soc.coop. and its city as well, since some forms ask for it. Double-check each detail before you share them, because the sender’s bank usually copies them as is.

An incoming payment will not always arrive in full. Fees for incoming transfers vary from bank to bank; check the price list of Banca di Credito Cooperativo di Pergola Soc.coop.. For business payments, it is common to state who bears the costs.

Verifying the SWIFT code of Banca di Credito Cooperativo di Pergola Soc.coop.

The safest source for a SWIFT code is the bank details provided by the recipient: an invoice, a bank statement or their online banking. Check it with ICRAITR1 on this page and ask if anything does not match.

If the code is wrong, the payment might be delayed, be returned or cost extra, and tracing it can take weeks. A mistake in the account number can be more serious, because the money may be credited to someone else, so check that just as carefully.

Many banking apps check the format of an IBAN and some suggest the matching BIC. If your bank offers it, a name check before sending gives extra certainty. Sending a small amount first can be worth it for large sums despite the extra fee.

Choosing between the 8 SWIFT codes of Banca di Credito Cooperativo di Pergola Soc.coop.

With 8 codes in 7 cities, Banca di Credito Cooperativo di Pergola Soc.coop. is one of the banks that register separate codes for branches. The main code remains ICRAITR1KB6.

Usually there is no need to look up a branch: transfers sent to ICRAITR1KB6 reach Banca di Credito Cooperativo di Pergola Soc.coop. without problems. When you receive a specific code, stick to it instead of replacing it with the head office code.

The safest approach is to copy the code directly from the account holder’s invoice. Branch codes are more likely to be retired than ICRAITR1KB6.

Sending money abroad from Banca di Credito Cooperativo di Pergola Soc.coop.

A bank transfer abroad costs rather more than the listed fee. There is the fee for the transfer itself, possibly fees charged by intermediary banks along the way and, above all, the margin on the exchange rate when the money is converted.

Banks do not show their exchange rate markup as a cost – you only notice it if you compare. An easy check: put the bank’s rate next to the mid-market rate for the same moment and look at the difference.

For many currency pairs, a transfer service is cheaper than a traditional bank transfer. GoldexPay compares these services side by side, showing what actually arrives. Using a transfer service does not require closing your account at Banca di Credito Cooperativo di Pergola Soc.coop.: you simply pay the service from your account.

The Euro and what conversion costs you

Most accounts at Banca di Credito Cooperativo di Pergola Soc.coop. are typically held in EUR, the national currency of Italy. A payment in a foreign currency will be converted into EUR on its way to Banca di Credito Cooperativo di Pergola Soc.coop. – and the bank that does it picks the rate. There is rarely a separate charge for that conversion.

Where the conversion happens has an effect on how much arrives. Sending the amount directly in EUR often avoids a second conversion by Banca di Credito Cooperativo di Pergola Soc.coop. – as long as your own rate is good.

Rates for EUR change all the time, and some providers let you lock in a rate. With bigger transfers, even seemingly small gap in the rate adds up quickly.

8 or 11 characters: ICRAITR1 versus ICRAITR1KB6

The structure of every SWIFT code is always the same: four characters for the institution, two for the country and two for the location, sometimes followed by a branch code. Combined, those parts form ICRAITR1, the code most people search for.

Most payment forms work with both lengths. If a form requires eleven characters, enter ICRAITR1KB6.

As a rule the code is written in capitals, without spaces or dashes. A wrong character may route the money to a different institution, so copy it carefully.

SEPA payments and the Banca di Credito Cooperativo di Pergola Soc.coop. BIC

Because Italy is in SEPA, a euro payment into Banca di Credito Cooperativo di Pergola Soc.coop. from within the SEPA area usually only needs the IBAN. Most banking apps no longer ask for the BIC in that case or fill it in for you.

You still need ICRAITR1KB6 for non-euro payments or money from outside the SEPA area. Some forms still ask for the BIC; if so, fill in ICRAITR1 or ICRAITR1KB6.

Euro payments within SEPA usually arrive within one business day; instant payments are faster if both banks offer them. Charges on SEPA transfers tend to be low, as long as no currency conversion is involved.

Scams that use SWIFT codes

One of the most common tricks goes like this: you receive a message claiming that a company now has a new bank account and that the next payment should go there. A correct SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Verify changed payment details through a different channel, not by replying to the message. Watch out for urgent requests, odd spelling or a sender address that is slightly off. When a payment has already gone to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Fraud also work the other way: someone claims to have sent too much and wants you to refund the difference via a different route. A payment confirmation from the sender proves nothing – check your own account.

Transfer times and tracking a payment to Banca di Credito Cooperativo di Pergola Soc.coop.

How fast a transfer reaches Banca di Credito Cooperativo di Pergola Soc.coop. depends on a few things: which currency you send, how many intermediary banks are involved, cut-off times and differences in time zone. Transfers sent late in the day or just before a weekend or public holiday often start the next business day. Extra checks by one of the banks can also cause some delay, even when all details are correct.

When a payment takes longer than expected, ask your bank about the tracking status and the transaction reference so they can trace it along the chain. Keep the payment confirmation – you will need it for any trace request.

Only the sending bank is able to start an official trace. On the receiving end, you can look at your account to see a partial amount.

A note on our data

This directory draws on public sources. It is possible that information here is out of date. Counts and locations come from our directory and may differ from what Banca di Credito Cooperativo di Pergola Soc.coop. publishes.

For any payment that matters, check the code with Banca di Credito Cooperativo di Pergola Soc.coop. or with the recipient. GoldexPay is a comparison site and not part of Banca di Credito Cooperativo di Pergola Soc.coop.. Spotted outdated information? Let us know through the contact page and we will look into it.