Banca di Credito Cooperativo Pordenonese Scrl SWIFT/BIC code

SWIFT/BIC code of Banca di Credito Cooperativo Pordenonese Scrl

Whether a recipient gives you ICRAITR1 or ICRAITR19WM, you are looking at the same identifier for Banca di Credito Cooperativo Pordenonese Scrl in Italy. The code does one job: it makes sure that an international payment ends up at the right bank. In practice you usually come across it on invoices from abroad, in your banking app and on the account details of Banca di Credito Cooperativo Pordenonese Scrl customers.

This page is meant to help people who sends money to an account at Banca di Credito Cooperativo Pordenonese Scrl without mistakes. The SWIFT code on its own cannot identify a personal account; for that you need the IBAN or account number is for.

Euro transfers to Banca di Credito Cooperativo Pordenonese Scrl: is a BIC needed?

Italy belongs to the Single Euro Payments Area (SEPA), where euro transfers follow common rules. When you send euros within SEPA, you normally only need the IBAN.

You will still need ICRAITR19WM for payments in other currencies or money from outside the SEPA area. A few banks and apps still ask for the BIC; in that case, fill in ICRAITR1.

SEPA transfers usually arrive within one business day, and instant transfers in seconds where both banks support them. Provided no currency is converted, the transfer tends to be cheap; it is the conversion that costs money.

How long does an international transfer to Banca di Credito Cooperativo Pordenonese Scrl take?

A SWIFT payment typically needs one to a few business days – it depends on currency, route and the banks in between. Payments made late in the day or just before a weekend or public holiday usually go out the next business day. Extra checks by one of the banks may also add some delay, regardless of the details.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer carries a unique transaction reference, the UETR. Save the payment confirmation.

Only the sending bank is able to start an official trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, it helps to look at your statements to see a partial amount because fees can reduce the amount.

Scams that use SWIFT codes

A common scam works like this: an email arrives with a message saying that a contact has new bank details and asking you to pay there from now on. A valid SWIFT code says nothing about who owns the account.

Never rely on contact details in the same message that announces the new account. Be suspicious of urgent requests, unusual wording or an email address that differs by one letter. If a payment was sent to a fraudster, call your bank right away.

Fraud also target the receiver. Someone claims to have sent more than agreed and asks you to refund the difference via a different route. Do not act before the money has really arrived.

How up to date is this code?

The directory on GoldexPay draws on publicly available sources and we update it periodically. It can happen that a code here is out of date, for example after a merger. Figures such as the number of codes are from our own dataset and are not confirmed by Banca di Credito Cooperativo Pordenonese Scrl.

For any payment that matters, confirm the BIC with Banca di Credito Cooperativo Pordenonese Scrl or with the recipient. GoldexPay is not affiliated with Banca di Credito Cooperativo Pordenonese Scrl, we only compare transfer services. Spotted an error? Let us know through the contact page and we will look into it.

Sending EUR to Banca di Credito Cooperativo Pordenonese Scrl

Italy uses the Euro, with the currency code EUR. Money sent in a different currency will be converted into EUR on its way to Banca di Credito Cooperativo Pordenonese Scrl – and the bank that does it picks the rate. Every conversion eats into the amount, even when no fee is shown.

Which bank converts the money matters: every bank has its own margin. Often it is cheaper if you send EUR directly through a transfer service that converts near the mid-market rate.

The rate for EUR changes 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.

8 or 11 characters: ICRAITR1 versus ICRAITR19WM

Each SWIFT/BIC code starts with the same eight core characters: four letters for the bank, two letters for the country and a two-character location code. Together, these eight characters make up ICRAITR1, the code most people search for.

Many payment forms work with either length. If yours requires eleven characters, enter ICRAITR19WM, otherwise ICRAITR1 is fine.

As a rule the code is typed in capitals. A wrong letter may route the money to a different institution, so check it twice.

Paying someone abroad from your Banca di Credito Cooperativo Pordenonese Scrl account

An international bank payment costs rather more than the fee suggests. On top of the transfer fee, correspondent or intermediary banks may deduct a fee, and if currencies are converted, the bank often uses a rate below the real market rate.

Many banks do not show their exchange rate markup separately – you only notice it if you compare. An easy check: set the rate you get next to the mid-market rate for the same moment and look at the difference.

Specialist money transfer services frequently use rates closer to the mid-market rate with clearer fees. GoldexPay compares the amount that arrives with different providers. You can still use your account at Banca di Credito Cooperativo Pordenonese Scrl.

Verifying the SWIFT code of Banca di Credito Cooperativo Pordenonese Scrl

The best place to find the right code is a document from the bank itself. If the code you have does not match ICRAITR1 or ICRAITR19WM, stop and ask: check with the recipient or with Banca di Credito Cooperativo Pordenonese Scrl directly.

Errors in the BIC tend to be annoying rather than fatal. Do not forget the account number: an error there can be harder to undo than a wrong BIC.

A format check in your banking app only confirms that the IBAN exists, not that it is the right account. If your bank offers it, a payee name check before sending gives extra certainty. A small test payment can be worth it for large sums despite the extra fee.

Banca di Credito Cooperativo Pordenonese Scrl: head office code versus branch codes

Banca di Credito Cooperativo Pordenonese Scrl uses 7 different SWIFT/BIC codes. Only one is the head office code; the rest identify branches.

For the vast majority of incoming transfers, the head office code ICRAITR19WM is the right choice. Just use a branch code when the recipient explicitly asks for it, for example on a letter or invoice.

Not sure which code to use? Check with 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 Pordenonese Scrl

When you expect money from abroad, send the payer everything they need in one go. That means: your full name exactly as it appears on the account, your account number or IBAN, the BIC ICRAITR19WM (or ICRAITR1) and usually your address.

The sender’s bank may request the bank address of Banca di Credito Cooperativo Pordenonese Scrl; the head office in Annone Veneto is usually fine. Check each detail before you send them.

An incoming payment does not always land in full. Charges on incoming payments vary from bank to bank; check the price list of Banca di Credito Cooperativo Pordenonese Scrl. For business payments, you can agree how the fees are split.