Banca di Udine Credito Cooperativo Societa' Cooperativa SWIFT/BIC code

What ICRAITR1 means for a payment to Banca di Udine Credito Cooperativo Societa' Cooperativa

Whether you are given ICRAITR1 or ICRAITR1JV4, you are looking at the same address for Banca di Udine Credito Cooperativo Societa' Cooperativa in Italy. A SWIFT code tells the banks handling a payment exactly which bank should receive the money. In daily life you usually see the code on international invoices, in payment forms and in the bank details of Banca di Udine Credito Cooperativo Societa' Cooperativa customers.

On this page you can read what the code means, when you need it and which other details a transfer to or from Banca di Udine Credito Cooperativo Societa' Cooperativa requires. Remember that the SWIFT code only identifies the bank, not the person: the account number or IBAN does that part.

Choosing between the 6 SWIFT codes of Banca di Udine Credito Cooperativo Societa' Cooperativa

Our database contains 6 SWIFT/BIC codes for Banca di Udine Credito Cooperativo Societa' Cooperativa, spread over 3 cities. Besides the head office code ICRAITR1JV4, you will find codes for individual branches and departments.

Usually there is no need to pick a branch: transfers addressed to ICRAITR1JV4 reach Banca di Udine Credito Cooperativo Societa' Cooperativa without problems. Just use a branch code when the account holder explicitly asks for it.

Unsure which code applies? Check with the recipient or the bank itself. Branch codes are more prone to change than the head office code when a bank merges or closes offices.

Getting paid from abroad into a Banca di Udine Credito Cooperativo Societa' Cooperativa account

Someone abroad who wants to pay you will ask for several details about your account – incomplete details often cause delays. Share your name as the bank knows it, your account number or IBAN, the BIC ICRAITR1JV4 and your address.

It helps to add the bank name and its city too. A mistake in your account number is more trouble than you might think; copy them from your banking app rather than typing.

Money from abroad will not always land in full. Fees for incoming transfers differ from bank to bank – the price list of Banca di Udine Credito Cooperativo Societa' Cooperativa tells you what applies. On invoices, it is common to state how the fees are split, so that nobody is left short.

Watch out for payment fraud

Be alert when a contact suddenly wants you to send money to another account abroad. A real SWIFT code tells you nothing about who owns the account – scammers simply use real codes.

Always verify a change of bank details by phone. Urgency or secrecy are warning signs; a genuine business can wait for you to check. When money was sent to a fraudster, contact your bank immediately.

Scams can also target the receiver. Someone sends more than agreed and wants you to refund the difference to a new account. A screenshot of a transfer proves nothing – check your own account.

How up to date is this code?

We collect SWIFT/BIC codes using publicly available data and update them regularly. Even so, banks merge or change codes and our data may lag behind. Figures such as the number of codes come from our directory and are not confirmed by Banca di Udine Credito Cooperativo Societa' Cooperativa.

Treat our directory here as a helpful check, and let the details from the recipient or Banca di Udine Credito Cooperativo Societa' Cooperativa have the final say. We are a comparison service and not affiliated with Banca di Udine Credito Cooperativo Societa' Cooperativa. Should you notice something that is out of date, we welcome a short note.

Before you send: check the Banca di Udine Credito Cooperativo Societa' Cooperativa code

Ask the recipient to copy the bank details straight from their banking app. Compare it against ICRAITR1 here and ask if anything does not match.

With a wrong code, the transfer may be delayed, be returned or cost extra. Remember the IBAN: a mistake there can be harder to undo than a wrong code.

Many banking apps validate the format of an IBAN and some suggest the matching BIC. Some banks now compare the name with the account before you confirm; take any warning seriously. When you pay someone new, some people send a small test amount and wait for confirmation.

Euro (EUR) and conversion costs

The currency of Italy is the Euro (EUR). Money sent in a different currency is exchanged into EUR – and the bank that does it picks the rate. There is rarely a separate charge for the conversion.

Where the conversion happens has an effect on how much arrives, since every bank sets its own rate. Check how much EUR the recipient gets with different providers; the difference between options can be larger than you expect.

Exchange rates change during the day, and some providers let you lock in a rate. With bigger transfers, a seemingly small gap in the rate can be worth more than the fee.

ICRAITR1 or ICRAITR1JV4 – which one to use?

A SWIFT code is made up of fixed blocks: the first four letters identify the bank, characters five and six show the country and the two after that indicate the location. Together, those parts form ICRAITR1.

Most payment forms work with both lengths. If yours requires eleven characters, use ICRAITR1JV4, otherwise ICRAITR1 is fine.

Enter the code in one piece, in capitals and without separators. A wrong letter can send a payment to a different institution, so copy it carefully.

SEPA payments and the Banca di Udine Credito Cooperativo Societa' Cooperativa BIC

Italy belongs to the SEPA area. For a regular euro transfer within SEPA, the IBAN is usually enough; many banks no longer ask for the BIC.

A SWIFT code like ICRAITR1 does come into play for payments in other currencies. If your banking app asks for the BIC anyway, entering ICRAITR1 is fine.

Instant euro transfers have become increasingly supported within SEPA; check with Banca di Udine Credito Cooperativo Societa' Cooperativa whether it applies to your account. Fees for SEPA transfers tend to be low.

Tracking a transfer to or from Banca di Udine Credito Cooperativo Societa' Cooperativa

How fast a payment arrives at Banca di Udine Credito Cooperativo Societa' Cooperativa depends on a few things: the currency, the number of banks in between, cut-off times and time zones. Weekends and public holidays in the sending or receiving country add a day or more to the journey. Compliance checks by one of the banks may also add a delay.

Many banks are connected to SWIFT gpi. Each gpi transfer carries a unique transaction reference, the UETR that banks can use to trace it. Keep the payment confirmation until the recipient confirms.

Only the sending bank is able to request a trace or a recall; the receiving side usually has nothing to trace yet. Ask the sender for a copy of the payment confirmation – it helps your own bank look for the money.

Sending money abroad from Banca di Udine Credito Cooperativo Societa' Cooperativa

A bank transfer abroad costs rather more than the listed fee. Besides a fixed fee, banks in between may deduct a fee, and if the money changes currency, the bank often applies a rate that is less favourable than the real market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: many banks convert using an exchange rate with a margin built in. A simple test: set the bank’s rate next to the mid-market rate for the same moment and work out the difference on your amount.

Specialist money transfer services often offer a rate near the mid-market rate with clearer fees. Next time you send money, it is worth to compare the total cost via GoldexPay. You can always use your account at Banca di Udine Credito Cooperativo Societa' Cooperativa to fund the transfer.