Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop. SWIFT/BIC code

ICRAITR1 – the SWIFT/BIC code of Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop.

The short code ICRAITR1 and the full code ICRAITR1QW6 refer to one and the same institution: Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop., with its head office in Agnone. A BIC does one job: it makes sure that an international payment ends up at the right bank. In daily life you usually come across the code on international invoices, in your banking app and on the account details that Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop. provides.

On this page we explain how the code means, when it matters and what else a transfer to or from Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop. requires. Keep in mind that the SWIFT code only identifies the bank, not the account: the IBAN or account number does that part.

Why Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop. has an 8- and an 11-character code

A BIC is built from a few fixed parts: characters one to four identify the bank, characters five and six give the country and the two after that indicate the location. The result is ICRAITR1 for Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop..

Many banks and apps work with both lengths. If a form asks for eleven characters, enter ICRAITR1QW6, otherwise ICRAITR1 is fine.

In practice the code is written in capitals. Look out for O versus 0 and the letter I and the digit 1.

Head office or branch code at Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop.?

Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop. has 10 different SWIFT/BIC codes across 9 cities. One of them is the head office code; the rest belong to branches, and sometimes internal departments.

For most payments to a private or business account, the head office code ICRAITR1QW6 is the right choice. Only use a branch code when your contact explicitly asks for it, for example on a letter or invoice.

Unsure which code applies? Check with the recipient or the bank itself. Codes for branches are more likely to change than the head office code when a bank merges or closes offices.

Sending EUR to Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop.

Most accounts at Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop. are usually held in EUR, the national currency of Italy. Money sent in a different currency is exchanged into EUR. You rarely see a separate charge for that conversion; it is built into the rate.

Who does the conversion affects the final amount. Transferring the money already in EUR often avoids a second conversion at the receiving end.

Exchange rates change all the time – some services let you fix a rate in advance. On larger amounts, even small gap in the rate can be worth more than the fee.

Transfer times and tracking a payment to Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop.

There is no fixed delivery time for every transfer: some arrive the same day or the next, others take several business days. Payments made after the cut-off time or on a weekend or public holiday often start a business day later. Occasionally a bank asks what the payment is for.

A growing number of banks use SWIFT gpi. Every payment carries a unique reference, the UETR, which your bank can use to see where the money is. Specialist transfer services usually show tracking online so you can see how far the money is.

If a payment has not arrived within the expected time, the sender should contact the bank that sent it, not the receiving bank. As a recipient, it helps to look at your statements for a slightly lower amount, since fees may have been deducted.

Receiving money from abroad at Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop.

For an international payment at Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop., the sender needs more than the SWIFT code. What they need is: the account holder’s name, IBAN or account number, ICRAITR1QW6 or ICRAITR1 and in many cases your postal address.

Some sending banks want the bank’s address; it does no harm to include it. A typo in the IBAN can be harder to fix than it looks, so copy the details from your online banking.

Expect that the incoming amount is smaller than what the sender paid. Charges on incoming payments differ from bank to bank – the price list of Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop. tells you what applies. Agree with the sender who covers the fees.

Changed bank details? Be careful

Fraudsters regularly use payment requests containing new bank details sent from what looks like a familiar address. A real SWIFT code says nothing about who owns the account.

Always confirm changed bank details by phone, using a number you already had. Watch out for time pressure, unusual wording or an email address that differs by one letter. Already paid? Contact the bank you paid from straight away and have them start a recall.

Fraud also target the receiver. Someone claims to have sent too much and wants you to return the extra. Wait until the money is actually in your account – ask Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop. if something looks wrong.

Paying someone abroad from your Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop. account

When you send money abroad via Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop., the visible fee is only part of what you pay. There is the transfer fee, sometimes charges from correspondent banks along the way and, above all, the exchange rate markup if the currency changes.

The real cost is often in the rate: many banks convert at a rate with a margin built in. An easy check: set the bank’s rate next to the mid-market rate and work out the difference on your amount.

For many routes, a transfer service is less expensive than a bank. Before your next transfer, it is worth to compare what arrives on GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not mean closing your account at Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop.: you simply pay the service from your account.

Paying Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop. in euros within SEPA

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 and the BIC is often filled in automatically.

You will still need ICRAITR1QW6 when sending payments in other currencies or money from outside the SEPA area. If your banking app has a field for the BIC anyway, entering ICRAITR1 is fine.

Instant euro transfers have become increasingly available across SEPA; check with Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop. whether it applies to your account. As long as no currency is converted, the transfer tends to be cheap; it is the conversion that costs money.

Is ICRAITR1 still correct? How to check

The best place to find the correct BIC remains paperwork issued by the bank like a bank statement or the account page in online banking. Check it against ICRAITR1 on this page and ask if anything does not match.

Mistakes in the SWIFT code tend to be costly rather than fatal. Remember the IBAN: a mistake there is harder to correct than a wrong BIC.

Most online banking apps check the structure of an IBAN. Some banks now check the name with the account – do not ignore a mismatch warning. When you pay someone new, some people send a small test amount before sending the rest.

A note on our data

We gather bank codes using publicly available data and check our list regularly. Institutions merge, close branches and change codes. Counts and locations are from our own dataset and are not confirmed by Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop..

Treat this page as a reference, not as the last word: the recipient’s bank details come first. GoldexPay is independent of Banca di Credito Cooperativo Sangro Teatina di Atessa Soc. Coop.; we are a comparison site for money transfers. Spotted outdated information? Let us know through the contact page.