Banca di Credito Cooperativo Vicentino-Pojana Maggiore Soc.coop. SWIFT/BIC code

Banca di Credito Cooperativo Vicentino-Pojana Maggiore Soc.coop. SWIFT code: ICRAITR1

If an invoice shows ICRAITR1 or ICRAITR1KCA, you are looking at the same identifier for Banca di Credito Cooperativo Vicentino-Pojana Maggiore Soc.coop. in Italy. The code has a single purpose: it makes sure that an international payment ends up at the right bank. It comes up mainly for transfers between countries or a currency.

This page is meant to help anyone who sends money to an account at Banca di Credito Cooperativo Vicentino-Pojana Maggiore Soc.coop.. The SWIFT code alone cannot identify an individual account holder; that is what the IBAN or account number .

Sending money abroad from Banca di Credito Cooperativo Vicentino-Pojana Maggiore Soc.coop.

When you transfer money to another country via Banca di Credito Cooperativo Vicentino-Pojana Maggiore Soc.coop., the fee you see is only part of the cost. You pay the fee for the transfer itself, sometimes charges from correspondent banks along the way and, above all, the margin on the exchange rate.

The real cost is often in the rate, not in the fee: the bank converts using an exchange rate that includes a margin. Check their rate against the mid-market rate.

For many routes, a transfer service turns out to be less expensive than a bank – mostly thanks to the rate. GoldexPay compares transfer providers side by side, showing the amount the recipient gets for the same amount sent. You can still keep your account at Banca di Credito Cooperativo Vicentino-Pojana Maggiore Soc.coop. to fund the transfer; only the conversion and sending happen elsewhere.

Banca di Credito Cooperativo Vicentino-Pojana Maggiore Soc.coop.: head office code versus branch codes

We have 16 SWIFT/BIC codes for Banca di Credito Cooperativo Vicentino-Pojana Maggiore Soc.coop. in 15 places. Next to the head office code ICRAITR1KCA, you will find codes for regional offices and specialised units.

Usually there is no need to pick a branch: transfers addressed to ICRAITR1KCA reach Banca di Credito Cooperativo Vicentino-Pojana Maggiore Soc.coop. without problems. Only use a branch code when your contact explicitly asks for it, for example on an invoice or in their bank details.

Not sure which code to use? Check with the recipient. Branch codes can change when banks reorganise.

Paying into Banca di Credito Cooperativo Vicentino-Pojana Maggiore Soc.coop. in EUR

The national currency of Italy is the Euro (EUR). If you send money in a different currency, the amount has to be converted at some point. Each conversion costs something – usually through the rate rather than a fee.

Which bank converts the money makes a difference. Transferring the amount directly in EUR usually avoids a second conversion at the receiving end.

Rates for EUR move during the day. For regular payments, small differences in the rate make a real difference over time.

Verifying the SWIFT code of Banca di Credito Cooperativo Vicentino-Pojana Maggiore Soc.coop.

The most reliable place for the right code remains paperwork issued by the bank like a bank statement or the account page in online banking. Check it with ICRAITR1 here and ask if anything does not match.

With a wrong code, the transfer may be delayed, be returned or cost extra. Do not forget the IBAN: an error there is harder to undo than a wrong BIC.

An automatic check in your banking app only tells you that the code is valid, not that it is the right account. Some banks now compare the name against the account before you confirm. A small test payment can be worth it for large sums, even if it costs an extra fee.

Paying Banca di Credito Cooperativo Vicentino-Pojana Maggiore Soc.coop. in euros within SEPA

Italy belongs to the SEPA area, where euro transfers follow common rules. For a regular euro transfer from another SEPA country, you normally only need the IBAN and the BIC is often filled in automatically.

You will still need ICRAITR1KCA when sending non-euro payments or money from outside the SEPA area. If your banking app has a field for the BIC regardless, adding ICRAITR1 is fine.

SEPA transfers usually arrive within one business day; instant payments are faster if both banks offer them. Fees for SEPA transfers are generally low as long as everything stays in euros.

What to give a sender who pays you at Banca di Credito Cooperativo Vicentino-Pojana Maggiore Soc.coop.

A sender in another country will ask for several details from you, and missing ones are a common cause of delays. What they need is: your name, account number or IBAN, ICRAITR1KCA and in many cases your home address.

Certain banks also ask for the bank’s address in Alonte; it does no harm to include it. Check each detail before you send them.

Expect that the amount credited is below the amount on the sender’s receipt. Intermediary banks may deduct a fee, and if the money is converted, an exchange rate margin applies. For business payments, it is common to agree how the fees are split to avoid a shortfall.

Transfer times and tracking a payment to Banca di Credito Cooperativo Vicentino-Pojana Maggiore Soc.coop.

There is no fixed delivery time: some land within a day while others need several business days. Bank holidays in either country add a day or more, since banks do not process on those days. Compliance checks on larger or unusual payments can also add some delay, even when all details are correct.

If a transfer is late, ask the sending bank for the tracking status so they can trace it along the chain. Save your transfer receipt until the recipient confirms; it contains the details a bank needs to start a trace.

If a payment has not arrived after a few business days, the sender needs to contact their own bank, not the receiving bank. On the receiving end, you can check your statements to see a partial amount.

A note on our data

The directory on GoldexPay is compiled from publicly available sources and is updated regularly. It can happen that a code on this page is no longer current, for example after a merger. Figures such as the number of codes come from our directory and are not confirmed by Banca di Credito Cooperativo Vicentino-Pojana Maggiore Soc.coop..

Treat our data as a reference, rather than as the last word: the recipient’s bank details come first. GoldexPay is a comparison service and not part of Banca di Credito Cooperativo Vicentino-Pojana Maggiore Soc.coop.. Should you notice something that is out of date, we appreciate a message via the contact page.

Protect yourself against fake payment requests

A common scam works like this: you receive a request saying that a supplier now has new bank details. A valid SWIFT code tells you nothing about who owns the account.

Do not rely on a phone number from the same email that contains the new account. Watch out for time pressure, odd spelling or a sender address that is slightly off. If a payment has already gone to the wrong account, contact your bank immediately: the sooner they act, the better the chance of a recall.

Fraud can also target the receiver. Someone claims to have sent too much and asks you to return the difference. Do not act before the money has really arrived – ask Banca di Credito Cooperativo Vicentino-Pojana Maggiore Soc.coop. if something looks wrong.

Why Banca di Credito Cooperativo Vicentino-Pojana Maggiore Soc.coop. has an 8- and an 11-character code

Each SWIFT/BIC code starts with the same eight core characters: a four-letter bank code, a two-letter country code and two characters for the location. In this case, that core is ICRAITR1.

Most payment forms work with both lengths. If a form asks for eleven characters, use ICRAITR1KCA.

In practice the code is typed in capitals and without spaces. Pasting the code is safer than retyping it, because one wrong letter changes the bank.