Banca di Credito Cooperativo di Roma SWIFT/BIC code

SWIFT/BIC code of Banca di Credito Cooperativo di Roma

Whether you are given ROMAITRR or ROMAITRRXXX, it is the identical identifier for Banca di Credito Cooperativo di Roma in Italy. A BIC has a single purpose: it makes sure that a cross-border transfer reaches the right bank. It comes up mainly for payments that cross a border.

On this page we explain what the code is put together, when it matters and what else you need for a transfer to or from Banca di Credito Cooperativo di Roma. The SWIFT code alone cannot identify an individual account holder; for that you need the IBAN or account number .

Do you need ROMAITRR for a SEPA transfer?

Italy belongs to the Single Euro Payments Area (SEPA), the zone for standardised euro payments. When you send euros within SEPA, you normally only need the IBAN; many banks no longer ask for the BIC.

For anything other than euros and from non-SEPA countries, ROMAITRRXXX or ROMAITRR remains part of the payment details. If a payment form asks for the BIC anyway, adding ROMAITRR is fine.

Euro payments within SEPA normally land within one business day. As long as no currency is converted, the transfer is cheap; it is the conversion that costs money.

Getting paid from abroad into a Banca di Credito Cooperativo di Roma account

For a transfer from abroad at Banca di Credito Cooperativo di Roma, the sender has to have not just the SWIFT code. The basics are: the account holder’s name, IBAN or account number, ROMAITRRXXX or ROMAITRR and often your home address.

Certain sending banks also ask for the bank’s address in Roma. A typo in the IBAN is more trouble than it looks; copy them from your banking app rather than typing.

Expect that the incoming amount is smaller than what the sender paid. Intermediary banks may deduct a fee, and when currencies differ, a markup on the rate comes on top. Agree with the sender who covers the fees.

Why Banca di Credito Cooperativo di Roma has an 8- and an 11-character code

Every SWIFT/BIC code has an 8-character core: a four-letter bank code, two letters for the country and a two-character location code. Together, those parts form ROMAITRR – the version you usually see online.

Most banks and apps accept both lengths. If yours requires eleven characters, enter ROMAITRRXXX; if it wants eight, use ROMAITRR.

Type the code as one block, in capitals and without spaces, exactly as shown here. Copying the code beats typing it by hand: a typo can point to another bank.

How to check ROMAITRR before you pay

The safest source for the BIC is the recipient’s own bank details. When the code you were given differs from ROMAITRR or ROMAITRRXXX, stop and ask.

Errors in the SWIFT code tend to be costly rather than fatal – usually the money comes back, minus fees and time lost. Remember the IBAN: a mistake there is harder to undo than a wrong code.

An automatic check by your bank only confirms that the IBAN exists – not that it belongs to the person you mean to pay. If your bank offers it, a name check before sending adds an extra layer of safety. Sending a small amount first can be a sensible step for large sums despite the extra fee.

Where our SWIFT data comes from

We collect SWIFT/BIC codes from public sources and update them from time to time. It is possible that information here is out of date after a merger or reorganisation. The number of codes we show are based on our own data and not on information from Banca di Credito Cooperativo di Roma itself.

Use our data as a starting point, not as the last word. GoldexPay is independent of Banca di Credito Cooperativo di Roma; we are a comparison site for money transfers. Found an error? Tell us via our contact form.

Transfer times and tracking a payment to Banca di Credito Cooperativo di Roma

An international transfer typically needs one to a few business days, depending on the currency, the route and the banks involved. Transfers sent after the cut-off time or on weekends and holidays usually start the next business day. Sometimes a bank wants to know about the purpose of a payment.

When a payment takes longer than expected, contact the sending bank for the tracking status and the transaction reference; with that reference banks can see where the payment is. Specialist transfer services often provide a status online so you can see how far the payment is.

The bank that sent the money is able to request a trace or a recall; the receiving side usually has nothing to trace yet. Request from the sender the payment receipt including the reference – it helps your own bank look for the money.

Paying into Banca di Credito Cooperativo di Roma in EUR

Accounts at Banca di Credito Cooperativo di Roma are usually held in EUR, the local currency of Italy. If you send another currency it has to be converted at some point – by your bank, by Banca di Credito Cooperativo di Roma or by a bank in between. Every conversion costs the amount – usually through the rate rather than a fee.

Who converts the money makes a difference, because each party uses its own rate. Compare how much EUR arrives with several providers before choosing one.

The rate for EUR fluctuates throughout the day and quotes are often valid only for a short time. On larger amounts, even seemingly small gap in the rate can be worth more than the fee.

Banca di Credito Cooperativo di Roma: head office code versus branch codes

With 97 codes, Banca di Credito Cooperativo di Roma is one of the banks that use separate codes for branches and departments. The head office code remains ROMAITRRXXX.

For the vast majority of incoming transfers, the head office code ROMAITRRXXX is what you need. Branch codes are only needed if the account holder explicitly asks for it.

If you are not sure, ask the person you are paying which code their bank gave them. Branch codes are more likely to be retired than the head office code.

International transfers from Banca di Credito Cooperativo di Roma: the real cost

An international bank payment costs rather more than the listed fee. You pay the transfer fee, possibly charges from correspondent banks along the way and, most importantly, the margin on the exchange rate.

That exchange rate margin tends to be the biggest item even though it is not listed as a fee. An easy check: put the bank’s rate next to the mid-market rate for the same moment and look at the difference.

For a lot of routes, a transfer service is cheaper than a bank – mostly thanks to the rate. On GoldexPay we compare the amount that arrives with different services. Choosing a specialist does not mean leaving Banca di Credito Cooperativo di Roma.

Protect yourself against fake payment requests

Stay wary if a contact unexpectedly wants you to send money to another account or a bank in another country. A valid SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Check changed bank details via a different channel, such as a phone number you already know. Pressure or secrecy tend to be red flags. If money was sent to a fraudster, contact your bank immediately.

People receiving money are targeted too: a classic trick is an overpayment and then sends a request to send back the difference abroad. Wait until the money is actually in your account.