Banca di Credito Cooperativo di Staranzano e Villesse SWIFT/BIC code

What ICRAITR1 means for a payment to Banca di Credito Cooperativo di Staranzano e Villesse

Whether you are given ICRAITR1 or ICRAITR1ODB, you are looking at the same address for Banca di Credito Cooperativo di Staranzano e Villesse in Italy. The code does one job: it makes sure that an international payment reaches the right bank. In daily life you usually see the code on invoices from abroad, in payment forms and on the account details of Banca di Credito Cooperativo di Staranzano e Villesse customers.

This page is meant to help people who receives money at an account at Banca di Credito Cooperativo di Staranzano e Villesse and wants to get the details right. The SWIFT code alone cannot identify a personal account; for that you need the IBAN or account number .

Why Banca di Credito Cooperativo di Staranzano e Villesse has an 8- and an 11-character code

Each SWIFT/BIC code has the same eight core characters: a four-letter bank code, two letters for the country and a two-character location code. That gives you ICRAITR1.

The long version has a three-character extension for a branch or department. When those three characters are XXX, they simply mean the head office.

As a rule the code is written in capitals. A single character may route the money to another bank, so copy it carefully.

A note on our data

We gather bank codes from publicly available data and update our list from time to time. Still, banks merge or change codes. Counts and locations are from our own dataset.

Treat the information on this page as a helpful check, and let the details from the recipient or Banca di Credito Cooperativo di Staranzano e Villesse have the final say. GoldexPay is independent of Banca di Credito Cooperativo di Staranzano e Villesse; we are a comparison site for money transfers. Spotted outdated information? Tell us through the contact page so we can correct it.

When will the money arrive at Banca di Credito Cooperativo di Staranzano e Villesse?

An international transfer usually takes anywhere from one to several business days, depending on the currency, the route and the banks involved. Transfers sent late in the day or on weekends and holidays usually start the next business day. Compliance checks on larger or unusual payments can also cause some delay.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer carries a unique reference, the UETR that banks can use to trace it. Save your transfer receipt until the money has arrived – you will need it for any trace request.

If the money does not arrive after a few business days, the sender should contact their own bank rather than Banca di Credito Cooperativo di Staranzano e Villesse. As a recipient, you can check your statements for a partial amount because fees can reduce the amount.

Changed bank details? Be careful

A common scam works like this: you receive a message claiming that a contact has a new bank account and asking you to pay there from now on. The fact that ICRAITR1 exists does not mean that a request mentioning it is genuine.

Do not rely on a phone number from the same email that contains the change. Be suspicious of urgent requests, unusual wording or a sender address that is slightly off. If a payment has already gone to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

People receiving money can be targeted as well: one known trick is an overpayment followed by a request to refund the difference. Wait until the money is actually in your account and check with Banca di Credito Cooperativo di Staranzano e Villesse if anything seems off.

International transfers from Banca di Credito Cooperativo di Staranzano e Villesse: the real cost

If you send money to another country via Banca di Credito Cooperativo di Staranzano e Villesse, the fee you see is only part of the cost. Besides a fixed fee, banks in between may deduct a fee, and when the money changes currency, the bank usually applies a rate below the real market rate.

Many banks rarely show their exchange rate markup separately. A simple test: put the rate you get against the mid-market rate and look at the difference.

For many routes, a specialist provider is less expensive than a bank. Next time you send money, take a minute comparing what arrives on GoldexPay instead of going straight to your bank. Using a transfer service does not require closing your account at Banca di Credito Cooperativo di Staranzano e Villesse: you simply pay the service from your account.

Getting paid from abroad into a Banca di Credito Cooperativo di Staranzano e Villesse account

When you expect a payment from another country, give the sender everything they need in one go. What they need is: your name, account number or IBAN, ICRAITR1ODB and, for some countries, your postal address.

Some banks want the address of Banca di Credito Cooperativo di Staranzano e Villesse in Duino-Aurisina, so keep it at hand. Double-check the details before you share them.

What lands in your account is often less than what was sent. Charges on incoming payments differ from bank to bank. For business payments, it is common to state how the fees are split to avoid a shortfall.

Euro transfers to Banca di Credito Cooperativo di Staranzano e Villesse: is a BIC needed?

Italy is part of the SEPA area. When you send euros within SEPA, you normally only need the IBAN; many banks no longer ask for the BIC.

You will still need ICRAITR1ODB for payments in other currencies or money from outside the SEPA area. If your banking app has a field for the BIC regardless, adding ICRAITR1 does no harm.

Euro payments within SEPA usually arrive within one business day; instant payments are faster if both banks offer them. Provided no currency is converted, a SEPA transfer tends to be cheap.

Banca di Credito Cooperativo di Staranzano e Villesse: head office code versus branch codes

We have 19 SWIFT/BIC codes for Banca di Credito Cooperativo di Staranzano e Villesse. Next to the head office code ICRAITR1ODB, you will find codes for branches, departments or specific services.

If nobody asks you for a branch code, go with ICRAITR1ODB or its short form ICRAITR1. Branch codes are only needed when the account holder explicitly asks for it.

The best way is to take the code straight from the account holder’s invoice. Branch codes can change when banks reorganise.

Sending EUR to Banca di Credito Cooperativo di Staranzano e Villesse

The local currency in Italy is the Euro (EUR). A payment in a foreign currency will be exchanged into EUR – and the bank that does it picks the rate. Each conversion eats into the amount, even when no fee is shown.

Who converts the money makes a difference. Check how much EUR the recipient gets via several services.

The rate for EUR fluctuates throughout the day. With bigger transfers, a seemingly small difference in the rate adds up quickly.

Is ICRAITR1 still correct? How to check

Ask the recipient to copy the bank details straight from their online banking. Check it with ICRAITR1 on this page; if they differ, ask before you pay.

With a wrong code, the payment may get stuck, be returned or cost extra, and tracing it can take weeks. An error in the account number can be more serious because it can reach the wrong person, so check that just as carefully.

Most online banking apps check the format of IBANs. If your bank offers it, a name check on the recipient adds extra certainty. When you pay someone new, some people send a small amount first.