Banca di Pescia e Cascina Credito Cooperativo S.c. SWIFT/BIC code

SWIFT/BIC code of Banca di Pescia e Cascina Credito Cooperativo S.c.

The short code ICRAITR1 and the full code ICRAITR19Y3 refer to the same bank: Banca di Pescia e Cascina Credito Cooperativo S.c., with its head office in Buggiano. The code has a single purpose: it ensures that money from abroad reaches the right bank. It comes up mainly for transfers between countries.

On this page you will find how the code is put together, when you need it and which other details a transfer to or from Banca di Pescia e Cascina Credito Cooperativo S.c. requires. Remember that the BIC only identifies the bank, not the account: the account number or IBAN does that part.

Incoming international payments to Banca di Pescia e Cascina Credito Cooperativo S.c.

To receive a transfer from abroad at Banca di Pescia e Cascina Credito Cooperativo S.c., the sender needs more than the SWIFT code. Share the account holder’s name, the IBAN or account number, SWIFT code ICRAITR19Y3 and your address.

The sender’s bank might also ask for the bank address of Banca di Pescia e Cascina Credito Cooperativo S.c.. Double-check the details before you share them, because the sender’s bank usually copies them as is.

The amount you receive can be less than what was sent. Fees for incoming transfers vary per bank – the price list of Banca di Pescia e Cascina Credito Cooperativo S.c. tells you what applies. For business payments, you can agree how the fees are split to avoid a shortfall.

About this information

Our SWIFT/BIC directory draws on public sources and we update it periodically. Still, banks merge, rename themselves or retire codes. Counts and locations come from our own dataset and are not confirmed by Banca di Pescia e Cascina Credito Cooperativo S.c..

Before any payment that matters, confirm the code with the recipient’s bank or the recipient. GoldexPay is not affiliated with Banca di Pescia e Cascina Credito Cooperativo S.c.. Should you notice something that is out of date, we appreciate a short note via the contact page.

How to check ICRAITR1 before you pay

The most reliable source for a SWIFT code is the bank details provided by the recipient: an invoice, a bank statement or their online banking. When the code you were given differs from ICRAITR1 or ICRAITR19Y3, do not guess – contact the recipient or Banca di Pescia e Cascina Credito Cooperativo S.c..

A wrong SWIFT code can cause delays, a payment being sent back or additional charges for investigation. An error in the IBAN or account number can be more serious because it can reach the wrong person, so check that just as carefully.

Many banking apps validate the format of IBANs and some suggest the matching BIC – that confirms the format, not the owner. Where available, a name check before sending gives extra certainty. When you pay someone new, many people send a small test amount and wait for confirmation.

Paying Banca di Pescia e Cascina Credito Cooperativo S.c. in euros within SEPA

Italy is a member of the SEPA area, where euro transfers follow common rules. When you send euros from another SEPA country, you normally only need the IBAN and the BIC is often filled in automatically.

You will still need ICRAITR19Y3 when sending payments in other currencies or transfers from countries outside SEPA. If a payment form asks for the BIC regardless, adding ICRAITR1 is fine.

Instant payments in euros have become increasingly available within SEPA – whether Banca di Pescia e Cascina Credito Cooperativo S.c. offers them for your account is worth checking. Fees for SEPA transfers tend to be low, as long as no currency conversion is involved.

8 or 11 characters: ICRAITR1 versus ICRAITR19Y3

A BIC is made up of a few fixed parts: the first four letters identify the bank, characters five and six give the country and the two after that mark the location. In this case, that core is ICRAITR1.

The 11-character version adds a three-character extension that identify a branch or department. When those three characters are XXX, the code points to the head office, which is why ICRAITR19Y3 and ICRAITR1 lead to the same place.

Enter the code in one piece, in upper case and without separators. Copying the code beats typing it by hand, because one wrong letter changes the bank.

Which of the 9 codes of Banca di Pescia e Cascina Credito Cooperativo S.c. do you need?

With 9 codes in 7 cities, Banca di Pescia e Cascina Credito Cooperativo S.c. is one of the banks that register separate codes for parts of the organisation. The main code remains ICRAITR19Y3.

Unless the recipient tells you otherwise, go with ICRAITR19Y3. If you have been given a branch code, stick to it rather than swapping it for the head office code.

The safest route is to take the code straight from the account holder’s bank details. Codes are sometimes changed or retired when banks reorganise.

Transfer times and tracking a payment to Banca di Pescia e Cascina Credito Cooperativo S.c.

A SWIFT payment usually needs anywhere from one to several business days. Transfers sent after the cut-off time or on a weekend or public holiday usually go out the next business day. Occasionally a bank asks about the purpose of a payment before releasing it.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each payment carries a unique transaction reference, the UETR. Keep your transfer receipt until the recipient confirms – you will need it for any trace request.

A delayed transfer is traced from the sending side, using the payment confirmation. On the receiving end, you can look at your statements to see a slightly lower amount because fees can reduce the amount.

Sending money abroad from Banca di Pescia e Cascina Credito Cooperativo S.c.

When you send money to another country via Banca di Pescia e Cascina Credito Cooperativo S.c., the fee you see is only part of the cost. You pay the transfer fee, sometimes fees charged by intermediary banks along the way and, above all, the exchange rate markup when the money is converted.

Many banks rarely list the margin on the rate separately, but you pay it all the same. An easy check: put the bank’s rate next to the mid-market rate and look at the difference.

For many currency pairs, a specialist provider is cheaper than a traditional bank transfer, mainly because of the exchange rate. Next time you send money, take a minute comparing what arrives on GoldexPay rather than accepting the bank’s rate by default. You can always use your account at Banca di Pescia e Cascina Credito Cooperativo S.c. to fund the transfer, while a cheaper service handles the conversion.

Euro (EUR) and conversion costs

Accounts at Banca di Pescia e Cascina Credito Cooperativo S.c. are typically held in EUR, the national currency of Italy. Money sent in a different currency is exchanged into EUR, and whoever converts it chooses the rate. Each conversion costs something.

Where the conversion happens affects how much arrives, since every bank sets its own rate. Transferring the amount directly in EUR often prevents an extra conversion at the receiving end.

The rate for EUR fluctuates throughout the day. With bigger transfers, even small gap in the rate adds up quickly.

Changed bank details? Be careful

Scammers often send fake invoices with changed bank details, sometimes in an email that looks completely genuine. A valid SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Before paying, verify a change of bank details through a phone call on a number you know, not one from the message. Pressure and secrecy are red flags – a real supplier can wait a day. If a payment has already gone to the wrong account, contact your bank immediately.

People receiving money can be targeted as well: one known trick is an overpayment and then sends a request to refund the difference. Do not act before the money has really arrived and check with Banca di Pescia e Cascina Credito Cooperativo S.c. if anything seems off.