Cassa Rurale Ed Artigiana di Brendola Cred.coop. SWIFT/BIC code

SWIFT/BIC code of Cassa Rurale Ed Artigiana di Brendola Cred.coop.

The 8-character code ICRAITR1 and the 11-character code ICRAITR1B3T refer to one and the same institution: Cassa Rurale Ed Artigiana di Brendola Cred.coop. in Albettone, Italy. A BIC does one job: it makes sure that an international payment ends up at the right bank. It comes up mainly when dealing with transfers between countries.

We wrote this page to help anyone who sends money to an account at Cassa Rurale Ed Artigiana di Brendola Cred.coop. without mistakes. The SWIFT code alone does not identify an individual account holder; for that you need the account number or IBAN .

What to give a sender who pays you at Cassa Rurale Ed Artigiana di Brendola Cred.coop.

Someone abroad who wants to pay you will ask for a few details from you – incomplete details often cause delays. What they need is: your name, IBAN or account number, ICRAITR1B3T or ICRAITR1 and in many cases your home address.

Their bank might request the address of your bank. Double-check each detail before you send them, because the sender’s bank usually copies them as is.

An incoming payment will not always arrive in full. Charges on incoming payments vary from bank to bank – the price list of Cassa Rurale Ed Artigiana di Brendola Cred.coop. tells you what applies. On invoices, you can agree how the fees are split to avoid a shortfall.

The Euro and what conversion costs you

Most accounts at Cassa Rurale Ed Artigiana di Brendola Cred.coop. are typically held in EUR, the local currency. Money sent in a different currency will be exchanged into EUR before it reaches the account, and whoever converts it chooses the rate. Every conversion eats into the amount – usually through the rate rather than a fee.

Who does the conversion has an effect on the final amount. Sending the money already in EUR usually prevents a second conversion – as long as your own rate is good.

The rate for EUR fluctuates constantly, so the amount you see is usually only valid for a short time. With bigger transfers, even small difference in the rate can be worth more than the fee.

Sending money abroad from Cassa Rurale Ed Artigiana di Brendola Cred.coop.

An international bank payment costs rather more than the listed fee. There is the transfer fee, sometimes charges from correspondent banks in between and, most importantly, the exchange rate markup if the currency changes.

The real cost is often in the rate, rather than in the fee: many banks convert using an exchange rate with a margin built in. An easy check: set the rate you get against the mid-market rate and work out the difference on your amount.

For a lot of routes, a transfer service is cheaper than a bank – mostly thanks to the rate. Next time you send money, take a minute comparing what arrives on GoldexPay instead of going straight to your bank. Using a transfer service does not mean leaving Cassa Rurale Ed Artigiana di Brendola Cred.coop..

Cassa Rurale Ed Artigiana di Brendola Cred.coop.: head office code versus branch codes

Our database contains 2 SWIFT/BIC codes for Cassa Rurale Ed Artigiana di Brendola Cred.coop. in 2 places. Besides the head office code ICRAITR1B3T, you will find codes for regional offices and specialised units.

For most incoming transfers, the head office code ICRAITR1B3T works fine. Branch codes are only needed if the recipient’s bank specifically mentions it, which is more common for business accounts and specialised services.

If you are not sure, check with the recipient which code their bank gave them. Branch codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

Before you send: check the Cassa Rurale Ed Artigiana di Brendola Cred.coop. code

The best place to find the correct BIC remains a document from the bank itself like a bank statement or the account page in online banking. Compare it against ICRAITR1 on this page.

If the code is wrong, the payment may get stuck, be returned or cost extra, and tracing it can take weeks. An error in the IBAN or account number is a bigger problem, because the money may be credited to someone else, so check that just as carefully.

Most online banking apps check the format of an IBAN and some suggest the matching BIC – that confirms the format, not the owner. Where available, a name check before sending adds an extra layer of safety. When you pay someone new, many people start with a small amount first and wait for confirmation.

Watch out for payment fraud

A common scam works like this: you receive a message claiming that a contact now has new bank details. A valid SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Check changed bank details via a different channel, not by replying to the message. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. When a payment was sent to the wrong account, call your bank right away.

People receiving money are targeted too: a classic trick is a buyer who pays too much followed by a request to send back the difference to another account. Wait until the money has really arrived and check with Cassa Rurale Ed Artigiana di Brendola Cred.coop. if anything seems off.

What the XXX in ICRAITR1B3T means

A SWIFT code is made up of fixed blocks: the first four letters stand for the bank, the next two give the country and characters seven and eight mark the location. In this case, that core is ICRAITR1.

XXX at the end of ICRAITR1B3T does not stand for a missing value or a mistake: it indicates the main office of Cassa Rurale Ed Artigiana di Brendola Cred.coop.. Some banking apps insist on 11 characters, in which case you simply enter XXX behind ICRAITR1.

Leave out spaces, dots when you type ICRAITR1; the code is always written in one block. A single character can send a payment to another bank.

Tracking a transfer to or from Cassa Rurale Ed Artigiana di Brendola Cred.coop.

There is no single answer for every transfer: some land the same day or the next. Payments made late in the day or just before weekends and holidays often start the next business day. Sometimes a bank asks about the purpose of a payment before releasing it.

If a transfer is delayed, contact your bank about the status or the UETR; with that reference banks can see where the payment is. Save the payment confirmation.

A delayed transfer is investigated by the sending bank, using the payment confirmation. As a recipient, you can look at your statements for a slightly lower amount, since fees may have been deducted.

Euro transfers to Cassa Rurale Ed Artigiana di Brendola Cred.coop.: is a BIC needed?

Inside SEPA, euro transfers to an account in Italy use common rules, so the IBAN does the job in most cases. A field for the BIC is usually optional or missing for those payments.

A SWIFT code like ICRAITR1 does matter when the currency is not euros, and for transfers from outside SEPA. If a payment form has a field for the BIC regardless, entering ICRAITR1 does no harm.

Euro payments within SEPA usually arrive by the next business day; instant payments are faster if both banks offer them. Charges on SEPA transfers tend to be low.

About this information

Our SWIFT/BIC directory is based on public sources and we update it periodically. Even so, banks merge, rename themselves or change codes. The number of codes on this page are based on our own data.

For a payment that matters, check the code with the recipient’s bank or with the recipient. GoldexPay is independent of Cassa Rurale Ed Artigiana di Brendola Cred.coop.. If you notice something that is out of date, we appreciate a message via the contact page.