Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno) SWIFT/BIC code

SWIFT/BIC code of Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno)

The short code ICRAITRR and the 11-character code ICRAITRRBD0 refer to the same bank: Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno) in Buonabitacolo, Italy. The code has a single purpose: it makes sure that an international payment ends up at the right bank. You will need it mainly for transfers between countries or a currency.

Further down you will find the practical side: money coming in from abroad, sending money abroad and how to verify a SWIFT code before you hit send. The BIC names an institution, not a specific account.

Euro (EUR) and conversion costs

The currency of Italy is the Euro (EUR). If you send another currency, the amount has to be converted at some point – by your bank, by Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno) or by a bank in between. Each conversion costs something, even when no fee is shown.

Who converts the money makes a difference. Transferring the amount directly in EUR usually prevents a second conversion at the receiving end – as long as your own rate is good.

Rates for EUR move all the time. If you pay regularly, small differences in the rate add up over a year.

How long does an international transfer to Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno) take?

A SWIFT payment typically takes anywhere from one to several business days – it depends on currency, route and the banks in between. Weekends and public holidays in either country add extra days, since banks do not process on those days. Sometimes a bank asks what the payment is for.

Many banks are connected to SWIFT gpi for faster and traceable payments. Each payment carries a unique reference, the UETR that banks can use to trace it. Money transfer services often provide tracking in their app so you can see where the money has got.

A delayed transfer has to be traced by the sending bank on the basis of the transfer details. Request from the sender the payment receipt.

International transfers from Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno): the real cost

If you send money abroad through Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno), the visible fee is only part of what you pay. On top of a fixed fee, banks in between can deduct a fee, and when currencies are converted the bank usually applies a rate below the real market rate.

The real cost is often in the rate: many banks convert at a rate that includes a margin. Check the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

Specialist money transfer services frequently use a rate near the mid-market rate and lower fees. On GoldexPay we compare what recipients receive with different services, which makes the cheapest option easy to spot. Choosing a specialist does not require closing your account at Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno) – you pay the provider from your own account.

Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno): head office code versus branch codes

Having 2 codes in 2 locations, Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno) belongs to the banks that register individual codes for branches. The head office code remains ICRAITRRBD0.

Usually you do not need to look up a branch: payments addressed to ICRAITRRBD0 reach Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno) correctly. When you receive a specific code, stick to it instead of replacing it for the head office code.

The best way is to copy the code straight from the account holder’s statement. Branch codes are more likely to be retired than ICRAITRRBD0 when a bank merges or closes offices.

Why Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno) has an 8- and an 11-character code

The layout of every SWIFT code never changes: four characters for the institution, a two-letter country code and a two-character location code. Combined, those parts make up ICRAITRR – the version you usually see online.

XXX at the end of ICRAITRRBD0 is not a placeholder or an error: it stands for the head office of Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno). Some banking apps insist on 11 characters, and then you can enter XXX after ICRAITRR.

In practice the code is written in capitals, without spaces or dashes. Watch for O versus 0 or the letter I and the digit 1.

Before you send: check the Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno) code

The most reliable place for the correct BIC is a document from the bank itself like a bank statement or the account page in online banking. Check that code with ICRAITRR on this page.

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

Most online banking apps validate the format of IBANs and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. More and more banks check the name with the account before you confirm. Sending a small amount first can be worth it for a large first payment.

Do you need ICRAITRR for a SEPA transfer?

Italy is part of the SEPA area, where euro transfers follow common rules. When you send euros within SEPA, you normally only need the IBAN and the BIC is often filled in automatically.

For anything other than euros and for senders outside SEPA, ICRAITRRBD0 or ICRAITRR is still part of the payment details. A few banks and apps also show a field for the BIC; in that case, enter ICRAITRR or ICRAITRRBD0.

SEPA transfers normally land within one business day; instant payments are faster if both banks offer them. Provided no currency is converted, a SEPA transfer tends to be inexpensive.

Changed bank details? Be careful

Scammers regularly use payment requests containing changed bank details, sometimes in an email that looks completely genuine. That ICRAITRR is a real code does not mean that a request mentioning it is genuine; criminals use the codes of real banks too.

Always confirm a change of bank details by phone. Watch out for urgent requests, unusual wording or a sender address that is slightly off. Already paid? Call your bank straight away and have them try to recall the payment and report the fraud.

Scams can also work the other way. Someone claims to have sent more than agreed and wants you to refund the extra to a new account. A payment confirmation from the sender proves nothing – check your own account.

Where our SWIFT data comes from

The codes here come from public sources that we update regularly. It is possible that a code on this page is no longer current. The number of codes we show are based on our own data, not official figures from Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno).

Before a payment that matters, always check the code with Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno) or the recipient. GoldexPay is not affiliated with Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno), we only compare transfer services. Found outdated information? Let us know via our contact form so we can correct it.

Getting paid from abroad into a Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno) account

To receive an international payment at Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno), the person paying you has to have not just the SWIFT code. In practice that means: your full name as registered with Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno), your IBAN or account number, the BIC ICRAITRRBD0 (or ICRAITRR) and usually your postal address.

Their bank might also ask for the bank address of Cassa Rurale Ed Artigiana di Buonabitacolo (Salerno), in which case the Buonabitacolo head office is the usual answer. A typo in your account number can be more trouble than you might think.

Expect that the amount credited is below what the sender paid. Correspondent banks can take a fee, and if the currency changes, an exchange rate margin comes on top. On invoices, it is common to state how the fees are split to avoid a shortfall.