Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop. SWIFT/BIC code

Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop. SWIFT code: ICRAITR1

The short code ICRAITR1 and the full code ICRAITR1D41 identify the same bank: Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop.. Banks worldwide use these codes to route international transfers to the right bank. It comes up mostly for payments that cross a border.

On this page you can read what the code is put together, when you need it and which other details a transfer to or from Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop. requires. The SWIFT code on its own cannot identify a personal account; for that you need the IBAN or account number .

Do you need ICRAITR1 for a SEPA transfer?

Italy belongs to the SEPA area. When you send euros within SEPA, the IBAN is usually enough.

The BIC still matter when the currency is not euros. If a payment form has a field for the BIC anyway, adding ICRAITR1 does no harm.

Instant payments in euros have become widely available within SEPA – whether Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop. offers them for your account is worth checking. As long as the payment stays in euros, a SEPA transfer tends to be cheap.

International transfers from Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop.: the real cost

What you pay for a payment abroad has several parts – not just the fee on your screen. Besides the transfer fee, banks in between may take a cut, and when currencies are converted the bank often uses a rate below the real market rate.

The real cost is often in the rate: many banks convert at a rate with a margin built in. Compare their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

For many currency pairs, a specialist provider turns out to be cheaper than a bank. GoldexPay lists these services side by side, showing the amount the recipient gets for the same amount sent. You can always use your account at Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop. as the source of the money; only the conversion and sending happen elsewhere.

Choosing between the 8 SWIFT codes of Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop.

Our directory lists 8 SWIFT/BIC codes for Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop.. Besides the head office code ICRAITR1D41, there are codes for individual branches and departments.

If nobody asks you for a branch code, use ICRAITR1D41. Branch codes are only needed when the recipient’s bank specifically mentions it.

Not sure which code applies? Check with the recipient, or look at a recent statement from Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop.. Branch codes are more likely to be retired than the head office code.

Scams that use SWIFT codes

One of the most common tricks goes like this: you receive a message claiming that a company now has a new bank account. The fact that ICRAITR1 exists does not mean that the account is legitimate.

Always confirm changed bank details by phone. Pressure or secrecy are warning signs. When a payment was sent to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Recipients are targeted too: a classic trick is an overpayment followed by a request to send back the difference. A payment confirmation from the sender is no proof; only your own account shows what has arrived.

Sending EUR to Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop.

Accounts at Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop. are typically held in EUR, the national currency of Italy. A payment in a foreign currency will be converted into EUR, and whoever converts it chooses the rate. Each conversion costs something, even when no fee is shown.

Who converts the payment makes a difference. Compare how much EUR the recipient gets with different services; the difference between options can be larger than you expect.

Exchange rates move during the day. On larger amounts, a seemingly small difference in the rate adds up quickly.

How up to date is this code?

We collect SWIFT/BIC codes using publicly available data and check our list regularly. It is possible that information on this page is no longer current. The number of codes on this page are based on our own data, not official figures from Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop..

Treat our data as a starting point, not as the final word. GoldexPay is not affiliated with Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop., we only compare transfer services. If you notice something that is out of date, we welcome a message.

Transfer times and tracking a payment to Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop.

An international transfer usually needs anywhere from one to several business days. Payments made late in the day or on a weekend or public holiday usually start a business day later. Occasionally a bank asks about the purpose of a payment, which can hold things up.

When a payment takes longer than expected, ask your bank about the status. Specialist transfer services often show tracking in their app showing where the payment is.

If the money does not arrive within the expected time, the person who paid needs to contact their own bank, not the receiving bank. Request from the sender the payment receipt with the date and reference.

Verifying the SWIFT code of Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop.

Have the recipient send you the bank details straight from their banking app. If the code you have differs from ICRAITR1 or ICRAITR1D41, do not guess – contact the recipient or Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop..

Errors in the BIC tend to be costly more than fatal: often the payment comes back, minus fees. Remember the account number: a mistake there can be harder to undo than a wrong BIC.

A format check by your bank merely confirms that the code exists, not that it is the right account. More and more banks compare the payee name against the account – do not ignore a mismatch warning. A small test payment can be a sensible step for a large first payment, even if it costs an extra fee.

Incoming international payments to Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop.

For an international payment into your account at Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop., the person paying you needs not just the SWIFT code. The basics are: your name, IBAN or account number, ICRAITR1D41 and in many cases your postal address.

Certain banks also ask for the bank’s address, so keep it at hand. A typo in your account number can be more trouble than it looks; copy them from your banking app rather than typing.

Expect that the amount credited is smaller than the amount on the sender’s receipt. Charges on incoming payments differ per bank; check the price list of Bcc Felsinea - Banca di Credito Cooperativo Dal 1902 - Soc. Coop.. Make clear with the sender who covers the fees before the money is sent.

8 or 11 characters: ICRAITR1 versus ICRAITR1D41

Every SWIFT/BIC code has an 8-character core: four letters for the bank, two letters for the country and two characters for the location. That gives you ICRAITR1, the short form of the code.

Many payment forms work with both lengths. If a form requires eleven characters, enter ICRAITR1D41, otherwise ICRAITR1 is fine.

Enter the code in one piece, in upper case and without spaces. Watch for O versus 0 or I versus 1, a common source of typos.