Cassa Rurale Ed Artigiana Dell'agro Pontino Banca di Credito Cooperativo Societa' Cooperativa SWIFT/BIC code

What ICRAITR1 means for a payment to Cassa Rurale Ed Artigiana Dell'agro Pontino Banca di Credito Cooperativo Societa' Cooperativa

ICRAITR1 and ICRAITR1KI4 are the short and the long form of the same bank identifier, and both lead to Cassa Rurale Ed Artigiana Dell'agro Pontino Banca di Credito Cooperativo Societa' Cooperativa in Latina. A BIC has a single purpose: it makes sure that money from abroad reaches the right bank. You will need it mostly for payments that cross a border.

We wrote this page to help people who pays into an account at Cassa Rurale Ed Artigiana Dell'agro Pontino Banca di Credito Cooperativo Societa' Cooperativa. Remember that the BIC just identifies the bank, not the person: the account number or IBAN does that part.

Which of the 6 codes of Cassa Rurale Ed Artigiana Dell'agro Pontino Banca di Credito Cooperativo Societa' Cooperativa do you need?

Our directory lists 6 SWIFT/BIC codes for Cassa Rurale Ed Artigiana Dell'agro Pontino Banca di Credito Cooperativo Societa' Cooperativa, spread over 6 locations. Next to the head office code ICRAITR1KI4, there are codes for regional offices and specialised units.

Usually there is no need to pick a branch: payments addressed to ICRAITR1KI4 reach Cassa Rurale Ed Artigiana Dell'agro Pontino Banca di Credito Cooperativo Societa' Cooperativa without problems. Only use a branch code when the recipient explicitly asks for it.

When in doubt, check with the recipient for the exact BIC in their bank details. Branch codes are more prone to be retired than ICRAITR1KI4.

When will the money arrive at Cassa Rurale Ed Artigiana Dell'agro Pontino Banca di Credito Cooperativo Societa' Cooperativa?

There is no fixed answer for every transfer: some arrive the same day or the next, others take several business days. Payments made late in the day or on a weekend or public holiday usually start the next business day. Extra checks by one of the banks can also add a delay.

If the money seems delayed, ask the sending bank about the status or the UETR. Keep the payment confirmation until the money has arrived; it contains the details a bank needs to start a trace.

Only the sending bank is able to start an official trace or a recall. Ask the sender for a copy of the payment confirmation with the date and reference; that often settles the question quickly.

Paying into Cassa Rurale Ed Artigiana Dell'agro Pontino Banca di Credito Cooperativo Societa' Cooperativa in EUR

The currency of Italy is the Euro (EUR). A payment in a foreign currency will be converted into EUR on its way to Cassa Rurale Ed Artigiana Dell'agro Pontino Banca di Credito Cooperativo Societa' Cooperativa – and the bank that does it picks the rate. There is rarely a separate line for the conversion.

Who converts the payment matters, because each party uses its own rate. In many cases it is cheaper to send EUR directly via a transfer service that converts near the mid-market rate.

The rate for EUR changes throughout the day and quotes are often valid only for a short time. On larger amounts, a seemingly small gap in the rate adds up quickly.

About this information

Our SWIFT/BIC directory draws on publicly available sources. It is possible that a code on this page is no longer current after a merger or reorganisation. Figures such as the number of codes come from our own dataset and are not confirmed by Cassa Rurale Ed Artigiana Dell'agro Pontino Banca di Credito Cooperativo Societa' Cooperativa.

Use our data as a starting point, rather than as the last word: the recipient’s bank details come first. GoldexPay is not affiliated with Cassa Rurale Ed Artigiana Dell'agro Pontino Banca di Credito Cooperativo Societa' Cooperativa, we only compare transfer services. Found an error? Tell us via our contact form so we can correct it.

Why Cassa Rurale Ed Artigiana Dell'agro Pontino Banca di Credito Cooperativo Societa' Cooperativa has an 8- and an 11-character code

The layout of a BIC never changes: a bank code of four letters, two for the country and two for the location. Together, these eight characters make up ICRAITR1 – the version you usually see online.

The 11-character version has a three-character extension that identify a branch or department. If the last three are XXX, they simply mean the head office, which is why ICRAITR1KI4 and ICRAITR1 lead to the same place.

Enter the code in one piece, in upper case and without spaces. Copying the code beats retyping it.

Do you need ICRAITR1 for a SEPA transfer?

Within the SEPA zone, euro payments to an account in Italy follow the same rules and in most cases need only the IBAN. The BIC field is usually optional or missing for those payments.

The BIC still matter for payments in other currencies, and for transfers from outside SEPA. A few forms also ask for the BIC out of habit; if so, fill in ICRAITR1.

Euro payments within SEPA usually arrive within one business day; instant payments are faster if both banks offer them. Provided the payment stays in euros, a SEPA transfer tends to be inexpensive; costs rise once a conversion is involved.

Watch out for payment fraud

Criminals often send fake invoices with new bank details. That ICRAITR1 is a real code is no guarantee that the account is genuine; criminals use the codes of real banks too.

Do not rely on contact details from the same email that announces the new account. Urgency or requests to keep it quiet tend to be warning signs – a real supplier can wait a day. Acted too fast? Contact the bank you paid from straight away and ask them to try to recall the payment; also report it to the police.

People receiving money are targeted too: a classic trick is an overpayment followed by a request to refund the difference abroad. A screenshot of a transfer is no proof; only your own account shows what has arrived.

Before you send: check the Cassa Rurale Ed Artigiana Dell'agro Pontino Banca di Credito Cooperativo Societa' Cooperativa code

The best place to find the right code 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 ICRAITR1KI4, stop and ask: check with the recipient or with Cassa Rurale Ed Artigiana Dell'agro Pontino Banca di Credito Cooperativo Societa' Cooperativa directly.

A wrong SWIFT code may lead to delays, a payment being sent back or additional charges for investigation. Do not forget the IBAN: an error there can be more difficult to correct than a wrong BIC.

Most online banking apps validate the format of IBANs and sometimes look up the BIC automatically. Where available, a payee name check on the recipient gives extra certainty. When you pay someone new, many people start with a small test amount before sending the rest.

Sending money abroad from Cassa Rurale Ed Artigiana Dell'agro Pontino Banca di Credito Cooperativo Societa' Cooperativa

What you pay for a payment abroad has several parts. Besides a fixed fee, banks in between may deduct a fee, and when currencies are converted, the bank usually applies a rate below the actual market rate.

Banks do not show the margin on the rate as a cost, but you pay it all the same. Compare their rate against the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

For a lot of routes, a transfer service is cheaper than a traditional bank transfer. On GoldexPay you can compare what recipients receive with different services, which makes the cheapest option easy to spot. You can always keep your account at Cassa Rurale Ed Artigiana Dell'agro Pontino Banca di Credito Cooperativo Societa' Cooperativa as the source of the money.

Receiving money from abroad at Cassa Rurale Ed Artigiana Dell'agro Pontino Banca di Credito Cooperativo Societa' Cooperativa

For an international payment into your account at Cassa Rurale Ed Artigiana Dell'agro Pontino Banca di Credito Cooperativo Societa' Cooperativa, the sender needs more than the BIC. Share your name as the bank knows it, your account number or IBAN, the BIC ICRAITR1KI4 and your address, which some banks require.

Certain sending banks also ask for the bank’s address, so keep it at hand. Check each detail before you share them, because the sender’s bank usually copies them as is.

An incoming payment will not always arrive in full. Fees for incoming transfers vary from bank to bank. For business payments, it is common to agree who bears the costs.