Banca Veronese Credito Cooperativo di Concamarise SWIFT/BIC code

Banca Veronese Credito Cooperativo di Concamarise SWIFT code: ICRAITR1

ICRAITR1 and ICRAITR18Y1 are two ways of writing the same bank identifier, and both point to Banca Veronese Credito Cooperativo di Concamarise in Bovolone. A SWIFT code tells the banks handling a payment exactly which bank is meant to get the money. You will need it mainly when dealing with transfers between countries or a currency.

We wrote this page to help anyone who pays into an account at Banca Veronese Credito Cooperativo di Concamarise. The SWIFT code alone cannot identify an individual account holder; for that you need the IBAN or account number .

How to check ICRAITR1 before you pay

The best place to find the correct BIC is a document from the bank itself, such as a statement or the account details in online banking. If the code you have does not match ICRAITR1 or ICRAITR18Y1, stop and ask – contact the recipient or Banca Veronese Credito Cooperativo di Concamarise.

With a wrong code, the payment may get stuck, bounce back or end up costing more, and tracing it can take weeks. Do not forget the account number: a mistake there can be harder to undo than a wrong BIC.

An automatic check by your bank only confirms that the code exists, not that it is the right account. Where available, a payee name check on the recipient adds an extra layer of safety. When you pay someone new, many people start with a small amount first and wait for confirmation.

Euro (EUR) and conversion costs

The national currency of Italy is the Euro (EUR). If you send another currency, the amount gets converted at some point: by your bank, an intermediary or Banca Veronese Credito Cooperativo di Concamarise itself. You rarely see a separate charge for that conversion.

Who does the conversion has an effect on the final amount, as rates and margins differ per bank. Compare what EUR the recipient gets with different services; the difference between options can be larger than you expect.

The EUR rate fluctuates throughout the day, so the amount you see is usually only valid for a short time. On larger amounts, a seemingly small gap in the rate can be worth more than the fee.

Getting paid from abroad into a Banca Veronese Credito Cooperativo di Concamarise account

Someone abroad who wants to pay you will ask for several details from you. That means: your name as registered with Banca Veronese Credito Cooperativo di Concamarise, your account number or IBAN, the SWIFT/BIC code ICRAITR18Y1 (or ICRAITR1) and, often, your postal address.

You can add the bank name and Bovolone as well. Check the details before you share them, because the sender’s bank usually copies them as is.

Do not be surprised if the incoming amount is below the amount on the sender’s receipt. Correspondent banks can take a fee, Banca Veronese Credito Cooperativo di Concamarise may charge for incoming payments, and if the currency changes, a markup on the rate applies. Make clear with the sender who covers the fees before the money is sent.

Paying Banca Veronese Credito Cooperativo di Concamarise in euros within SEPA

Within the SEPA zone, euro transfers to an account in Italy follow the same rules. A field for the BIC is usually optional or missing in that case.

You still need ICRAITR18Y1 when sending non-euro payments or money from outside the SEPA area. A few forms still ask for the BIC out of habit; in that case, fill in ICRAITR1 or ICRAITR18Y1.

Euro payments within SEPA normally land by the next business day, and instant transfers in seconds where both banks support them. Charges on SEPA transfers tend to be low as long as everything stays in euros.

When will the money arrive at Banca Veronese Credito Cooperativo di Concamarise?

How fast a transfer arrives at Banca Veronese Credito Cooperativo di Concamarise depends on a few things: which currency you send, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Transfers sent late in the day or on a weekend or public holiday often start the next business day. Sometimes a bank asks what the payment is for, which can hold things up.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Every gpi transfer carries a unique reference, the UETR that banks can use to trace it. Money transfer services often show a status in their app so you can see where the money has got.

Only the sending bank is able to request a trace or a recall. As a recipient, it helps to look at your account for a slightly lower amount.

Watch out for payment fraud

Be alert when someone suddenly asks you to pay into a different account. A correct SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Do not trust a phone number in the same message that contains the change. Pressure and secrecy are warning signs. If a payment has already gone to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Fraud also target the receiver. Someone sends more than agreed and wants you to return the extra via a different route. Do not act before the money has really arrived.

How up to date is this code?

This directory is compiled from public sources and we update it periodically. It can happen that information on this page is no longer current. The number of codes on this page are based on our own data and not on information from Banca Veronese Credito Cooperativo di Concamarise itself.

Use our data as a reference, rather than as the last word – the bank details from the recipient are leading. GoldexPay is an independent comparison site and not affiliated with Banca Veronese Credito Cooperativo di Concamarise. Spotted outdated information? Let us know via our contact form and we will look into it.

Head office or branch code at Banca Veronese Credito Cooperativo di Concamarise?

We have 8 SWIFT/BIC codes for Banca Veronese Credito Cooperativo di Concamarise, spread over 8 cities. Next to the head office code ICRAITR18Y1, you will find codes for branches, departments or specific services.

Usually you do not need to look up a branch: payments sent to ICRAITR18Y1 reach Banca Veronese Credito Cooperativo di Concamarise without problems. Just use a branch code when the account holder explicitly asks for it.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Codes are sometimes changed or retired when banks reorganise, so a code from an old document is not always valid.

ICRAITR1 or ICRAITR18Y1 – which one to use?

Each SWIFT/BIC code has the same eight core characters: four letters for the bank, two letters for the country and two characters for the location. In this case, that core is ICRAITR1.

Most banks and apps work with either length. If yours asks for eleven characters, enter ICRAITR18Y1.

Enter the code in one piece, in capitals and without spaces, exactly as shown here. Watch for the letter O and the digit 0 and I versus 1.

What a transfer from Banca Veronese Credito Cooperativo di Concamarise abroad really costs

The price of a payment abroad is made up of several parts. Besides a fixed fee, correspondent or intermediary banks can deduct a fee, and if currencies are converted, the bank usually uses a rate that is less favourable than the real market rate.

Most of the cost usually sits in the exchange rate, not in the fee: the bank converts using an exchange rate with a margin built in. Check the rate you are offered with the mid-market rate. The difference is your real conversion cost.

For many currency pairs, a transfer service is cheaper than a bank – mostly thanks to the rate. GoldexPay lists these services side by side, showing the amount the recipient gets before you commit. Choosing a specialist does not require leaving Banca Veronese Credito Cooperativo di Concamarise – you pay the provider from your own account.