Cassa Raiffeisen Merano Soc. Coop. A R.l. SWIFT/BIC code

Cassa Raiffeisen Merano Soc. Coop. A R.l. SWIFT code: ICRAITR1

ICRAITR1 and ICRAITR13P1 are two spellings of the same SWIFT/BIC code, and both point to Cassa Raiffeisen Merano Soc. Coop. A R.l. in Avelengo. Banks worldwide use BIC codes to route international transfers to the correct institution. In daily life you usually see the code on international invoices, in your banking app and in the bank details that Cassa Raiffeisen Merano Soc. Coop. A R.l. provides.

This page is meant to help anyone who pays into an account at Cassa Raiffeisen Merano Soc. Coop. A R.l. without mistakes. The SWIFT code on its own cannot identify a personal account; for that you need the IBAN or account number is for.

Sending EUR to Cassa Raiffeisen Merano Soc. Coop. A R.l.

Italy uses the Euro, with the currency code EUR. If you send money in a different currency, the amount has to be converted at some point: by your bank, an intermediary or Cassa Raiffeisen Merano Soc. Coop. A R.l. itself. You rarely see a separate charge for that conversion; it is built into the rate.

Who does the conversion has an effect on how much arrives, as rates and margins differ per bank. Often you pay less if you send EUR straight away via a provider with a good rate, so that the receiving bank does not need to convert again.

Exchange rates move during the day, and some providers let you lock in a rate. For regular payments, a slightly better rate make a real difference over time.

Receiving money from abroad at Cassa Raiffeisen Merano Soc. Coop. A R.l.

Someone abroad who wants to pay you needs several details from you. Share your name as the bank knows it, the IBAN or account number, SWIFT code ICRAITR13P1 and your address, which some banks require.

Their bank might request the address of your bank, in which case the Avelengo head office is the usual answer. A typo in the IBAN can be harder to fix than it looks; copy them from your banking app rather than typing.

Do not be surprised if the amount credited is smaller than what the sender paid. Fees for incoming transfers differ per bank. On invoices, it is common to agree who bears the costs, so that nobody is left short.

Is ICRAITR1 still correct? How to check

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 differs from ICRAITR1 or ICRAITR13P1, do not guess.

Mistakes in the SWIFT code tend to be annoying rather than disastrous. A mistake in the IBAN or account number is a bigger problem, because the money may be credited to someone else; check it just as carefully.

Most online banking apps check the structure of IBANs and some suggest the matching BIC, but that does not prove the account belongs to the right person. Where available, a name check on the recipient gives extra certainty. For a first payment, many people start with a small test amount and wait for confirmation.

International transfers from Cassa Raiffeisen Merano Soc. Coop. A R.l.: the real cost

What you pay for an international transfer has more than one component – not just the fee on your screen. On top of a fixed fee, banks in between can take a cut, and when the money changes currency the bank usually uses a rate below the real market rate.

Many banks rarely list their exchange rate markup separately, but you pay it all the same. An easy check: set the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

For many currency pairs, a transfer service turns out to be less expensive than a bank – mostly thanks to the rate. Before your next transfer, take a minute to compare the total cost on GoldexPay instead of going straight to your bank. You can still use your account at Cassa Raiffeisen Merano Soc. Coop. A R.l. to fund the transfer; only the conversion and sending happen elsewhere.

Which of the 5 codes of Cassa Raiffeisen Merano Soc. Coop. A R.l. do you need?

Our directory lists 5 SWIFT/BIC codes for Cassa Raiffeisen Merano Soc. Coop. A R.l.. Next to the head office code ICRAITR13P1, there are codes for branches, departments or specific services.

Unless the recipient tells you otherwise, go with ICRAITR13P1 or its short form ICRAITR1. A branch code only makes sense if the recipient’s bank specifically mentions it.

The best way is to take the code straight from the recipient’s invoice. Branch codes are more likely to change than the head office code when a bank merges or closes offices.

What the XXX in ICRAITR13P1 means

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

Many payment forms work with both lengths. If yours asks for eleven characters, enter ICRAITR13P1; if it wants eight, use ICRAITR1.

Enter the code in one piece, in upper case and without separators, exactly as shown here. Pasting the code is safer than typing it by hand, because one wrong letter changes the bank.

Scams that use SWIFT codes

Stay wary if someone suddenly wants you to pay into another account. A real SWIFT code tells you nothing about who owns the account.

Always confirm a change of bank details by phone. Urgency or secrecy tend to be red flags – a real supplier can wait a day. Already paid? Contact the bank you paid from straight away and have them start a recall and report the fraud.

Scams can also target the receiver: someone sends too much and wants you to refund the extra via a different route. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.

Paying Cassa Raiffeisen Merano Soc. Coop. A R.l. in euros within SEPA

Because Italy is in the SEPA zone, a euro transfer to Cassa Raiffeisen Merano Soc. Coop. A R.l. from another SEPA country usually only needs an IBAN. Many banks do not require the BIC in that case.

You will still need ICRAITR13P1 when sending non-euro payments or transfers from countries outside SEPA. If your banking app asks for the BIC anyway, adding ICRAITR1 does no harm.

Euro payments within SEPA usually arrive within one business day. Fees for SEPA payments are generally low as long as everything stays in euros.

Tracking a transfer to or from Cassa Raiffeisen Merano Soc. Coop. A R.l.

There is no fixed delivery time for every transfer: many land the same day or the next while others need several business days. Payments made after the cut-off time or just before a weekend or public holiday usually go out the next business day. Extra checks by one of the banks can also cause some delay.

If a transfer is late, contact the sending bank for the status so they can trace it along the chain. Keep the payment confirmation.

A delayed transfer has to be investigated by the sending bank. On the receiving end, it helps to look at your statements for a slightly lower amount, since fees may have been deducted.

A note on our data

We gather bank codes from public sources and update them regularly. Institutions merge, close branches and retire codes. Counts and locations come from our own dataset.

Treat the information here as a helpful check, and let the details from the recipient or Cassa Raiffeisen Merano Soc. Coop. A R.l. have the final say. We are a comparison site and not affiliated with Cassa Raiffeisen Merano Soc. Coop. A R.l.. Found an error? Let us know through the contact page and we will look into it.