Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop. SWIFT/BIC code

ICRAITR1 – the SWIFT/BIC code of Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop.

The short code ICRAITR1 and the 11-character code ICRAITR1QG3 refer to the same bank: Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop. in Caltanissetta, Italy. The code has a single purpose: it ensures that an international payment ends up at the right bank. You will need it mainly for payments that cross a border.

This page is meant to help anyone who pays into an account at Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop.. A SWIFT code names an institution, never a specific account.

Choosing between the 16 SWIFT codes of Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop.

Having 16 codes, Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop. is one of the banks that register separate codes for parts of the organisation and departments. The head office code is ICRAITR1QG3.

If nobody asks you for a branch code, use ICRAITR1QG3. A branch code only makes sense when the recipient’s bank explicitly asks for it, which is more common for corporate accounts and trade services.

The safest route is to copy the code directly from the account holder’s invoice. Branch codes are more likely to be retired than ICRAITR1QG3 when a bank merges or closes offices.

Tracking a transfer to or from Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop.

How fast a payment reaches Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop. depends on a few things: which currency you send, the number of banks in between, daily processing deadlines and time zones. Bank holidays in the sending or receiving country can add extra days, since banks do not process on those days. Occasionally a bank asks what the payment is for before releasing it.

If the money is late, ask your bank for the status and the transaction reference. Keep your transfer receipt until the money has arrived; it contains the details a bank needs to start a trace.

If the money does not arrive within the expected time, the sender needs to start with their own bank, not the receiving bank. Ask the sender for a copy of the payment confirmation including the reference.

A note on our data

We collect bank codes from public sources and update our list regularly. Institutions merge, change names and change codes – a directory can be a step behind. The figures we show reflect what is in our directory.

Use our data as a starting point, not as the final word – the bank details from the recipient are leading. GoldexPay has no connection to Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop.; we are a comparison site for money transfers. Spotted an error? Tell us via our contact form.

Euro transfers to Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop.: is a BIC needed?

Inside SEPA, euro payments to Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop. use common rules. A field for the BIC is usually optional or missing in that case.

A SWIFT code like ICRAITR1 still matter for payments in other currencies and when the money comes from outside SEPA. If a payment form asks for the BIC regardless, entering ICRAITR1 is fine.

Instant euro transfers have become increasingly supported across SEPA; check with Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop. whether it applies to your account. As long as the payment stays in euros, the transfer tends to be cheap; it is the conversion that costs money.

What a transfer from Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop. abroad really costs

If you send money abroad through Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop., the visible fee is only part of what you pay. Besides a fixed fee, correspondent or intermediary banks may deduct a fee, and when the money changes currency the bank often applies a rate below the actual market rate.

Many banks rarely list their exchange rate markup separately. Compare their rate against the mid-market rate. The difference is your real conversion cost.

For many routes, a transfer service turns out to be cheaper than a traditional bank transfer. GoldexPay compares what recipients receive across services, so you can pick the cheapest route. You can still keep your account at Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop. to fund the transfer; only the conversion and sending happen elsewhere.

Scams that use SWIFT codes

Be wary when someone suddenly wants you to pay into a different account or a bank in another country. A correct SWIFT code tells you nothing about who owns the account.

Before paying, verify a change of bank details through a phone call on a number you know, not one from the message. Pressure or secrecy tend to be warning signs; a genuine business can wait for you to check. When money has already gone to a fraudster, call your bank right away – speed improves the chance of getting it back.

Scams also target the receiver. Someone claims to have sent too much and wants you to return the difference via a different route. Do not act before the money is actually in your account.

Paying into Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop. in EUR

Accounts at Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop. are typically held in EUR, the local currency of Italy. A payment in a foreign currency will be exchanged into EUR before it reaches the account. You rarely see a separate charge for that conversion; it is built into the rate.

Who does the conversion affects the final amount, as rates and margins differ per bank. In many cases you pay less if you send EUR directly via a provider that converts near the mid-market rate.

The rate for EUR fluctuates throughout the day and quotes are often valid only for a short time. If you pay regularly, a slightly better rate add up over time.

What to give a sender who pays you at Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop.

A sender in another country needs several details from you – incomplete details often cause delays. In practice that means: your name as registered with Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop., your account number or IBAN, the BIC ICRAITR1QG3 (or ICRAITR1) and, often, your postal address.

You can add the bank name and Caltanissetta as well, since some forms ask for it. Double-check every detail before you send them.

The amount you receive can be lower than the amount sent. Fees for incoming transfers differ from bank to bank – the price list of Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop. tells you what applies. Make clear with the sender who pays which costs, especially for larger amounts.

Before you send: check the Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop. code

The most reliable place for the right code is a document from the bank itself. When the code you were given differs from ICRAITR1 or ICRAITR1QG3, do not guess – contact the recipient or Banca di Credito Cooperativo ''g. Toniolo'' di San Cataldo Soc. Coop..

A wrong SWIFT code can cause delays, a payment being sent back or additional charges for investigation. A mistake in the account number is more serious; check it just as carefully.

A format check in your banking app only confirms that the IBAN exists. If your bank offers it, a name check on the recipient adds an extra layer of safety. For a first payment, many people send a small test amount.

8 or 11 characters: ICRAITR1 versus ICRAITR1QG3

Every SWIFT/BIC code starts with the same eight core characters: four letters for the bank, a two-letter country code and a two-character location code. Combined, these eight characters make up ICRAITR1.

The 11-character version has three more characters for a branch or department. When those three characters are XXX, the code points to the head office, which is why ICRAITR1QG3 and ICRAITR1 lead to the same place.

Enter the code as one block, in upper case and without spaces, exactly as shown here. A single letter can send a payment to a different institution, so check it twice.