Bcc Umbria Credito Cooperativo Societa Cooperativa SWIFT/BIC code

Bcc Umbria Credito Cooperativo Societa Cooperativa SWIFT code: ICRAITR1

The 8-character code ICRAITR1 and the full code ICRAITR1TV7 identify one and the same institution: Bcc Umbria Credito Cooperativo Societa Cooperativa. A SWIFT code shows the sending bank exactly which bank is meant to get the money, much like a postcode for banks. You will need it mostly for payments that cross a border or a currency.

On this page we explain how the code means, when you need it and which other details you need for a transfer to or from Bcc Umbria Credito Cooperativo Societa Cooperativa. Remember that the BIC just identifies the bank, not the person: the account number or IBAN does that part.

What to give a sender who pays you at Bcc Umbria Credito Cooperativo Societa Cooperativa

A sender in another country needs several details from you, and missing ones are a common cause of delays. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the BIC ICRAITR1TV7 and usually your address.

You can add Bcc Umbria Credito Cooperativo Societa Cooperativa and its city too, since some forms ask for it. A typo in the IBAN is harder to fix than it looks.

What lands in your account can be less than what was sent. Charges on incoming payments differ per bank; check the price list of Bcc Umbria Credito Cooperativo Societa Cooperativa. Agree with the sender who pays which costs, especially for larger amounts.

Sending EUR to Bcc Umbria Credito Cooperativo Societa Cooperativa

Most accounts at Bcc Umbria Credito Cooperativo Societa Cooperativa are usually held in EUR, the national currency. If you send another currency, the amount has to be converted at some point. You rarely see a separate line for the conversion.

Who does the conversion has an effect on how much arrives. Sending the money directly in EUR often prevents an extra conversion by Bcc Umbria Credito Cooperativo Societa Cooperativa, provided the rate you get is fair.

The rate for EUR fluctuates throughout the day. On larger amounts, even seemingly small gap in the rate adds up quickly.

Tracking a transfer to or from Bcc Umbria Credito Cooperativo Societa Cooperativa

An international transfer usually takes one to a few business days. Payments made late in the day or just before weekends and holidays often go out a business day later. Sometimes a bank asks what the payment is for.

If a transfer is late, ask the sending bank for the status; with that reference banks can see where the payment is. Keep your transfer receipt until the recipient confirms; it contains the details a bank needs to start a trace.

A delayed transfer is traced by the sending bank, using the payment confirmation. Request from the sender a copy of the payment confirmation including the reference – it helps your own bank look for the money.

A note on our data

The details here are taken from public sources. It is possible that a code here is out of date, for example after a merger. The number of codes we show are based on our own data.

Treat our data as a starting point, not as the final word – the bank details from the recipient are leading. GoldexPay is an independent comparison service and not affiliated with Bcc Umbria Credito Cooperativo Societa Cooperativa. Spotted outdated information? Tell us through the contact page and we will look into it.

SEPA payments and the Bcc Umbria Credito Cooperativo Societa Cooperativa BIC

Within the SEPA zone, euro transfers to Bcc Umbria Credito Cooperativo Societa Cooperativa follow 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.

You will still need ICRAITR1TV7 when sending non-euro payments or transfers from countries outside SEPA. Some forms still ask for the BIC out of habit; in that case, fill in ICRAITR1 or ICRAITR1TV7.

Instant euro transfers have become increasingly supported within SEPA; check with Bcc Umbria Credito Cooperativo Societa Cooperativa whether it applies to your account. As long as the payment stays in euros, the transfer is cheap; it is the conversion that costs money.

Why Bcc Umbria Credito Cooperativo Societa Cooperativa has an 8- and an 11-character code

Every SWIFT/BIC code has an 8-character core: a four-letter bank code, two letters for the country and two characters for the location. In this case, the 8-character core is ICRAITR1.

XXX at the end of ICRAITR1TV7 does not stand for a placeholder or a mistake: it stands for the main office of Bcc Umbria Credito Cooperativo Societa Cooperativa. Some banking apps ask for 11 characters, in which case you simply add XXX behind ICRAITR1.

Do not add spaces when you type ICRAITR1. Pasting the code beats typing it by hand.

Head office or branch code at Bcc Umbria Credito Cooperativo Societa Cooperativa?

We have 8 SWIFT/BIC codes for Bcc Umbria Credito Cooperativo Societa Cooperativa. Next to the head office code ICRAITR1TV7, there are codes for regional offices and specialised units.

In most cases there is no need to look up a branch: payments addressed to ICRAITR1TV7 are routed within Bcc Umbria Credito Cooperativo Societa Cooperativa correctly. Just use a branch code when the recipient gives you that exact code, for example on a letter or invoice.

Not sure which code to use? Ask the recipient. Codes for branches are more likely to change than ICRAITR1TV7.

Paying someone abroad from your Bcc Umbria Credito Cooperativo Societa Cooperativa account

The price of a payment abroad is made up of several parts, and the transfer fee is only the most visible one. You pay the fee for the transfer itself, possibly charges from correspondent banks along the way and, above all, the exchange rate markup.

The real cost is often in the rate: many banks convert at a rate that includes a margin. 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.

Specialised transfer providers often use rates closer to the mid-market rate and lower fees. Next time you send money, take a minute comparing what arrives via GoldexPay instead of going straight to your bank. You can still use your account at Bcc Umbria Credito Cooperativo Societa Cooperativa as the source of the money, while a cheaper service handles the conversion.

Before you send: check the Bcc Umbria Credito Cooperativo Societa Cooperativa code

Have the recipient send you the account details straight from their online banking. Check that code against ICRAITR1 here; if they differ, ask before you pay.

Errors in the SWIFT code are annoying more than disastrous. Do not forget the IBAN: an error there can be more difficult to undo than a wrong code.

Many banking apps check the structure of an IBAN, but that does not prove the account belongs to the right person. If your bank offers it, a name check on the recipient gives extra certainty. For a first payment, some people send a small test amount and wait for confirmation.

Scams that use SWIFT codes

Stay alert if someone suddenly wants you to pay into a different account abroad. That ICRAITR1 is a real code is no guarantee that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Do not rely on a phone number in the same message that contains the change. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. When money was sent to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

Recipients are targeted too: one known trick is an overpayment and then sends a request to refund the difference abroad. A screenshot of a transfer is no proof; only your own account shows what has arrived.