Banca di Credito Cooperativo di San Biagio Platani Scrl SWIFT/BIC code

ICRAITRR – the SWIFT/BIC code of Banca di Credito Cooperativo di San Biagio Platani Scrl

The short code ICRAITRR and the 11-character code ICRAITRRM80 refer to one and the same institution: Banca di Credito Cooperativo di San Biagio Platani Scrl in San Biagio Platani, Italy. Every bank on the SWIFT network uses these codes to route international transfers to the correct bank. It comes up mostly for payments that cross a border.

On this page you can read what the code means, when it matters and which other details you need for a transfer to or from Banca di Credito Cooperativo di San Biagio Platani Scrl. The BIC names an institution, never a single account.

Before you send: check the Banca di Credito Cooperativo di San Biagio Platani Scrl code

The safest source for a SWIFT code is the bank details provided by the recipient: an invoice, a bank statement or their online banking. Compare it with ICRAITRR on this page; if they differ, ask before you pay.

With a wrong code, the transfer might be delayed, be returned or end up costing more – sometimes after weeks of searching. Remember the account number: a mistake there is more difficult to correct than a wrong code.

An automatic check in your banking app only confirms that the code is valid – not that it belongs to the person you mean to pay. More and more banks check the name against the account. A small test payment is worth it for a large first payment despite the extra fee.

How long does an international transfer to Banca di Credito Cooperativo di San Biagio Platani Scrl take?

An international transfer typically needs one to a few business days, depending on the currency, the route and the banks involved. Bank holidays in the sending or receiving country can add a day or more, since banks do not process on those days. Extra checks on larger or unusual payments can also cause some delay, regardless of the details.

When a payment takes longer than expected, ask your bank about the status and the transaction reference so they can trace it along the chain. Specialist transfer services often show tracking online so you can see where the payment is.

Only the sending bank is able to start an official trace or a recall. As a recipient, you can check your statements to see a slightly lower amount, since fees may have been deducted.

Head office or branch code at Banca di Credito Cooperativo di San Biagio Platani Scrl?

Our database contains 2 SWIFT/BIC codes for Banca di Credito Cooperativo di San Biagio Platani Scrl. Besides the head office code ICRAITRRM80, you will find codes for individual branches and departments.

Unless the recipient tells you otherwise, use ICRAITRRM80 or its short form ICRAITRR. If you have been given a branch code, use it as it is rather than swapping it for the head office code.

Not sure which code applies? Ask the recipient or the bank itself. Branch codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

Receiving money from abroad at Banca di Credito Cooperativo di San Biagio Platani Scrl

If you are waiting for a payment from another country, give the sender all details at once. The basics are: the account holder’s name, account number or IBAN, ICRAITRRM80 and, for some countries, your home address.

You can include the bank name and San Biagio Platani as well, since some forms ask for it. A typo in your account number is harder to fix than you might think, so copy the details from your online banking.

Expect that the amount credited is smaller than the amount on the sender’s receipt. Fees for incoming transfers vary per bank. For business payments, you can agree who bears the costs to avoid a shortfall.

SEPA payments and the Banca di Credito Cooperativo di San Biagio Platani Scrl BIC

Italy belongs to the SEPA area, where euro transfers follow common rules. For a regular euro transfer from another SEPA country, the IBAN is usually enough; many banks no longer ask for the BIC.

A SWIFT code like ICRAITRR does matter for payments in other currencies and when the money comes from outside SEPA. A few forms still ask for the BIC out of habit; if so, fill in ICRAITRR.

SEPA transfers usually arrive by the next business day; instant payments are faster if both banks offer them. Charges on SEPA transfers tend to be low as long as everything stays in euros.

Why Banca di Credito Cooperativo di San Biagio Platani Scrl has an 8- and an 11-character code

The structure of a BIC never changes: four characters for the institution, a two-letter country code and two for the location, sometimes followed by a branch code. For Banca di Credito Cooperativo di San Biagio Platani Scrl, the 8-character core is ICRAITRR.

XXX at the end of ICRAITRRM80 does not stand for a missing value or a mistake: it indicates the main office of Banca di Credito Cooperativo di San Biagio Platani Scrl. Certain payment forms ask for 11 characters, in which case you simply enter XXX after ICRAITRR.

Type the code as one block, in capitals and without separators, exactly as shown here. A wrong character can send the money to a different institution.

Sending money abroad from Banca di Credito Cooperativo di San Biagio Platani Scrl

When you send money abroad from Banca di Credito Cooperativo di San Biagio Platani Scrl, the fee you see is rarely all of the cost. You pay the transfer fee, sometimes fees charged by intermediary banks along the way and, above all, the margin on the exchange rate if the currency changes.

The real cost is often in the rate: the bank converts at a rate that includes a margin. An easy check: put the rate you get against the mid-market rate and work out the difference on your amount.

For a lot of routes, a specialist provider is less expensive than a bank, mainly because of the exchange rate. Before your next transfer, it is worth comparing what arrives on GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not require leaving Banca di Credito Cooperativo di San Biagio Platani Scrl – you pay the provider from your own account.

How up to date is this code?

The codes here are taken from public sources which we refresh regularly. Even so, banks merge, rename themselves or retire codes, so information can be out of date. The number of codes on this page reflect what is in our directory and not on information from Banca di Credito Cooperativo di San Biagio Platani Scrl itself.

Treat the information here as a helpful check and rely on the recipient or Banca di Credito Cooperativo di San Biagio Platani Scrl for the final confirmation. GoldexPay has no connection to Banca di Credito Cooperativo di San Biagio Platani Scrl, we only compare transfer services. If you notice a mistake, we welcome a message via the contact page.

Changed bank details? Be careful

Stay wary if someone unexpectedly asks you to send money to another account or a bank in another country. The fact that ICRAITRR exists does not mean that the account is legitimate.

Always confirm changed bank details by phone. Urgency or requests to keep it quiet are red flags – a real supplier can wait a day. When money has already gone to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

People receiving money can be targeted as well: a classic trick is an overpayment and then sends a request to refund the difference. Do not act before the money is actually in your account – ask Banca di Credito Cooperativo di San Biagio Platani Scrl if something looks wrong.

Euro (EUR) and conversion costs

The currency of Italy is the Euro (EUR). When you pay another currency, the amount has to be converted at some point – by your bank, by Banca di Credito Cooperativo di San Biagio Platani Scrl or by a bank in between. Every conversion eats into the amount, even when no fee is shown.

Which bank converts the payment makes a difference, because each party uses its own rate. Transferring the amount directly in EUR often prevents an extra conversion by Banca di Credito Cooperativo di San Biagio Platani Scrl – as long as your own rate is good.

Exchange rates move during the day – some services let you fix a rate in advance. On larger amounts, even seemingly small gap in the rate can be worth more than the fee.