Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc SWIFT/BIC code

SWIFT/BIC code of Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc

The 8-character code ICRAITR1 and the 11-character code ICRAITR1K8P identify one and the same institution: Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc in Cadoneghe, Italy. A BIC does one job: it ensures that money from abroad ends up at the right bank. In practice you mostly see the code on international invoices, in your banking app and in the bank details of Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc customers.

On this page we explain what the code is put together, when you need it and what else a transfer to or from Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc requires. The BIC names an institution, never a single account; the IBAN or account number does that.

How to check ICRAITR1 before you pay

The most reliable source for the BIC is the recipient’s own bank details: an invoice, a bank statement or their online banking. Check that code against ICRAITR1 on this page and ask if anything does not match.

If the code is wrong, the transfer may get stuck, be returned or end up costing more – sometimes after weeks of searching. Do not forget the IBAN: an error there can be harder to correct than a wrong code.

A format check by your bank only tells you that the IBAN is valid – not that it belongs to the person you mean to pay. If your bank offers it, a payee name check on the recipient adds an extra layer of safety. A small test payment is a sensible step for a large first payment despite the extra fee.

Changed bank details? Be careful

One of the most common tricks works like this: you receive a message claiming that a contact now has a new bank account and asking you to pay there from now on. The fact that ICRAITR1 exists is no guarantee that a request mentioning it is genuine.

Before paying, confirm a change of bank details by phone on a number you know, not one from the message. Watch out for time pressure, odd spelling or a sender address that is slightly off. Already paid? Contact the bank you paid from without delay and ask them to try to recall the payment; also report it to the police.

Scams also target the receiver. Someone claims to have sent too much and wants you to refund the extra via a different route. Do not act before the money is actually in your account.

Euro (EUR) and conversion costs

Italy pays in the Euro. When you pay another currency gets converted at some point. Each conversion costs the amount.

Who converts the money makes a difference: every bank has its own margin. Transferring the money already in EUR usually prevents a second conversion by Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc – as long as your own rate is good.

Exchange rates move all the time – some services let you fix a rate in advance. If you pay regularly, a slightly better rate add up over time.

Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc: head office code versus branch codes

Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc has 3 separate SWIFT/BIC codes. One of them is the head office code; the others belong to branches, and sometimes specific services.

In most cases there is no need to pick a branch: transfers sent to ICRAITR1K8P reach Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc without problems. Just use a branch code when the recipient gives you that exact code.

The safest approach is to copy the code straight from the recipient’s invoice. Branch codes are more prone to be retired than ICRAITR1K8P.

Why Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc has an 8- and an 11-character code

A SWIFT code is built from a few fixed parts: characters one to four identify the bank, the next two give the country and characters seven and eight indicate the location. Together, those parts make up ICRAITR1, the code most people search for.

Many payment forms accept both lengths. If yours requires eleven characters, use ICRAITR1K8P; if it wants eight, use ICRAITR1.

Leave out spaces when you enter ICRAITR1. A wrong letter may route a payment to another bank, so copy it carefully.

About this information

We collect SWIFT/BIC codes from public sources and check them from time to time. Still, banks merge or change codes, so information can be out of date. The number of codes on this page are based on our own data.

Before any payment that matters, confirm the code with Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc or the recipient. GoldexPay is independent of Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc, we only compare transfer services. Spotted an error? Let us know through the contact page and we will look into it.

When will the money arrive at Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc?

There is no fixed answer: some land the same day or the next. Transfers sent after the cut-off time or on a weekend or public holiday usually start the next business day. Compliance checks on larger or unusual payments can also cause a delay.

A growing number of banks are connected to SWIFT gpi. Each payment gets a unique reference, the UETR that banks can use to trace it. Specialist transfer services usually provide a status online showing how far the payment has got.

If the money does not arrive within the expected time, the sender should start with their own bank. Request from the sender the payment receipt; that often settles the question quickly.

Euro transfers to Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc: is a BIC needed?

Within the SEPA zone, euro payments to an account in Italy use the same rules, so the IBAN does the job in most cases. A field for the BIC is usually optional or missing for those payments.

Outside the euro and for senders outside SEPA, ICRAITR1K8P or ICRAITR1 remains part of the payment details. If a payment form has a field for the BIC anyway, entering ICRAITR1 is fine.

Instant euro transfers have become widely available across SEPA – whether Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc offers them for your account is worth checking. Provided the payment stays in euros, a SEPA transfer tends to be inexpensive; costs rise once a conversion is involved.

International transfers from Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc: the real cost

When you send money to another country via Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc, the visible fee is rarely all of what you pay. Besides the transfer fee, banks in between may deduct a fee, and if the money changes currency, the bank often applies a rate below the actual market rate.

The real cost is often in the rate: many banks convert using an exchange rate that includes a margin. An easy check: put 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 use rates closer to the mid-market rate. Next time you send money, take a minute comparing what arrives via GoldexPay. You can always use your account at Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc to fund the transfer; only the conversion and sending happen elsewhere.

Receiving money from abroad at Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc

To receive an international payment into your account at Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc, the sender needs not just the BIC. What they need is: your name, IBAN or account number, ICRAITR1K8P and, for some countries, your home address.

The sender’s bank might also ask for the address of your bank, in which case the Cadoneghe head office is the usual answer. Check the details before you send them, because the sender’s bank usually copies them as is.

What lands in your account is often lower than what was sent. Fees for incoming transfers differ per bank – the price list of Banca Patavina Credito Cooperativo di Sant Elena Epiove di Sacco Soc tells you what applies. On invoices, it is common to agree how the fees are split.