Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa SWIFT/BIC code

ICRAITR1 – the SWIFT/BIC code of Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa

The 8-character code ICRAITR1 and the 11-character code ICRAITR19G3 identify one and the same institution: Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa. A SWIFT code tells the sending bank exactly which bank should receive the money. In daily life you usually come across it on international invoices, in payment forms and in the bank details of Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa customers.

We wrote this page to help people who receives money at an account at Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa without mistakes. The SWIFT code on its own cannot identify an individual account holder; for that you need the IBAN or account number .

Incoming international payments to Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa

When you expect money from abroad, send the payer a complete set of details. In practice that means: your name as registered with Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa, your IBAN or account number, the SWIFT/BIC code ICRAITR19G3 (or ICRAITR1) and sometimes your address.

Some sending banks want the address of Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa in Bagnolo Mella. A mistake in your account number can be harder to fix than you might think.

Expect that the incoming amount is smaller than what the sender paid. Correspondent banks can take a fee, Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa may charge for incoming payments, and if the money is converted, an exchange rate margin comes on top. Agree with the sender who covers the fees before the money is sent.

How to check ICRAITR1 before you pay

Have the recipient send you their bank details directly from a recent statement. When the code you were given differs from ICRAITR1 or ICRAITR19G3, do not guess.

If the code is wrong, the transfer might get stuck, bounce back or cost extra. An error in the IBAN or account number is a bigger problem because it can reach the wrong person, so check that just as carefully.

Many banking apps check the structure of an IBAN and some suggest the matching BIC. If your bank offers it, a name check before sending gives an extra layer of safety. Sending a small amount first is a sensible step for a large first payment.

Changed bank details? Be careful

A common scam works like this: an email arrives with a message saying that a contact has a new bank account and asking you to pay there from now on. That ICRAITR1 is a real code is no guarantee that a request mentioning it is genuine – fraudsters use real bank codes as well.

Always confirm a change of bank details through a phone call on a number you know, not one from the message. Watch out for urgent requests, unusual wording or an email address that differs by one letter. When money has already gone to the wrong account, call your bank right away.

Recipients can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to send back the difference. Do not act before the money is actually in your account and check with Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa if anything seems off.

What the XXX in ICRAITR19G3 means

Each SWIFT/BIC code has an 8-character core: four letters for the bank, a two-letter country code and two characters for the location. The result is ICRAITR1, the short form of the code.

The 11-character version adds a three-character extension that identify a branch or department. If the last three are XXX, they simply mean the head office, so ICRAITR19G3 and ICRAITR1 are interchangeable.

Type the code in one piece, in upper case and without separators, exactly as shown here. A single letter may route the money to a different institution.

How long does an international transfer to Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa take?

There is no single delivery time for international payments: some arrive the same day or the next, others take several business days. Transfers sent after the cut-off time or on a weekend or public holiday usually start a business day later. Sometimes a bank asks what the payment is for before releasing it.

When a payment takes longer than expected, contact the sending bank for the tracking status so they can trace it along the chain. Money transfer services often provide tracking in their app showing how far the money is.

Only the sending bank is able to request a trace; the receiving side usually has nothing to trace yet. Ask the sender for the payment receipt with the date and reference; that often settles the question quickly.

How up to date is this code?

The directory on GoldexPay draws on public sources and we update it periodically. It is possible that a code on this page is out of date. The number of codes on this page are based on our own data and not on information from Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa itself.

Before a payment of any size, always confirm the BIC with Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa or with the recipient. GoldexPay is independent of Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa; we are a comparison site for money transfers. If you notice a mistake, we appreciate a message via the contact page.

What a transfer from Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa abroad really costs

An international bank payment costs rather more than the listed fee. Besides a fixed fee, correspondent or intermediary banks can deduct a fee, and if the money changes currency the bank usually uses a rate below the actual market rate.

The markup on the rate tends to be the largest item even though it is not listed as a fee. 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.

For many routes, a specialist provider is cheaper than a bank – mostly thanks to the rate. GoldexPay compares transfer providers side by side, showing the amount the recipient gets before you commit. Choosing a specialist does not mean leaving Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa: you simply pay the service from your account.

Choosing between the 22 SWIFT codes of Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa

Our directory lists 22 SWIFT/BIC codes for Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa. Besides the head office code ICRAITR19G3, you will find codes for branches, departments or specific services.

For most incoming transfers, the head office code ICRAITR19G3 is the right choice. Only use a branch code when your contact gives you that exact code, for example on a letter or invoice.

The safest route is to copy the code directly from the account holder’s bank details. Branch codes can change over time, so do not rely on old paperwork.

Euro transfers to Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa: is a BIC needed?

Within the SEPA zone, euro transfers to Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa follow common rules. The BIC field is often optional for those payments.

For anything other than euros and from non-SEPA countries, ICRAITR19G3 remains required. A few banks and apps also show a field for the BIC; in that case, enter ICRAITR1.

Euro payments within SEPA usually arrive within one business day. Charges on SEPA payments tend to be low as long as everything stays in euros.

The Euro and what conversion costs you

Accounts at Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa are usually held in EUR, the national currency of Italy. If you send money in a different currency, the amount has to be converted at some point: by your bank, an intermediary or Cassa Padana Banca di Credito Cooperativo Societa' Cooperativa itself. Each conversion eats into the amount.

Who does the conversion has an effect on how much arrives, as rates and margins differ per bank. Transferring the money already in EUR usually prevents an extra conversion at the receiving end, provided the rate you get is fair.

The rate for EUR changes throughout the day. With bigger transfers, a small difference in the rate adds up quickly.