Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa SWIFT/BIC code

ICRAITR1 – the SWIFT/BIC code of Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa

Whether you are given ICRAITR1 or ICRAITR1D11, it is the identical identifier for Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa in Italy. Every bank on the SWIFT network uses these codes to direct payments between countries to the correct bank. You will need it mostly when dealing with transfers between countries and payments in foreign currencies.

On this page you can read how the code means, when it matters and which other details you need for a transfer to or from Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa. The SWIFT code on its own does not identify an individual account holder; for that you need the IBAN or account number .

Getting paid from abroad into a Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa account

Someone abroad who wants to pay you will ask for several details about your account – incomplete details often cause delays. In practice that means: your name exactly as it appears on the account, your account number or IBAN, the BIC ICRAITR1D11 and, often, your address.

It helps to add Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa and Castellana Grotte too, because some payment forms have separate fields for them. A typo in the IBAN is more trouble than it looks, so copy the details from your online banking.

Do not be surprised if the incoming amount is below the amount on the sender’s receipt. Correspondent banks can take a fee and your own bank may charge for processing, and if the currency changes, a markup on the rate applies. For business payments, it is common to state how the fees are split, so that nobody is left short.

Paying into Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa in EUR

Accounts at Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa are typically held in EUR, the local currency. If you send another currency, the amount has to be converted at some point: by your bank, an intermediary or Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa itself. You rarely see a separate charge for that conversion.

Where the conversion happens affects the final amount. Compare how much EUR arrives with several providers.

The EUR rate changes constantly and quotes are often valid only for a short time. If you pay regularly, small differences in the rate add up over time.

Is ICRAITR1 still correct? How to check

The most reliable source for a SWIFT code is the bank details provided by the recipient. Compare that code with ICRAITR1 here; if they differ, ask before you pay.

Errors in the BIC are costly more than disastrous – usually the money comes back, minus fees and time lost. A mistake in the IBAN or account number is more serious because it can reach the wrong person.

Most online banking apps validate the structure of IBANs and sometimes look up the BIC automatically. If your bank offers it, a name check on the recipient adds an extra layer of safety. Sending a small amount first is worth it for a large first payment.

Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa: head office code versus branch codes

Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa uses 10 separate SWIFT/BIC codes across 9 cities. Only one is the head office code, ICRAITR1D11; the rest identify branches.

If nobody asks you for a branch code, use ICRAITR1D11 or its short form ICRAITR1. A branch code only makes sense when the account holder specifically asks for it, which is more common for corporate accounts and specialised services.

When in doubt, check with the recipient which code their bank gave them. Codes can change when banks reorganise.

Why Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa has an 8- and an 11-character code

Each SWIFT/BIC code has the same eight core characters: four letters for the bank, a two-letter country code and two characters for the location. Together, those parts form ICRAITR1 – the version you usually see online.

XXX at the end of ICRAITR1D11 does not stand for a missing value or a mistake: it indicates the main office of Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa. Certain payment forms insist on 11 characters, and then you simply add XXX behind ICRAITR1.

Do not add spaces or dashes when you enter ICRAITR1 or ICRAITR1D11. A wrong character may route a payment to a different institution, so copy it carefully.

SEPA payments and the Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa BIC

Inside SEPA, euro transfers to Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa follow the same 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 when the money comes from outside SEPA. A few banks and apps also ask for the BIC out of habit; if so, fill in ICRAITR1 or ICRAITR1D11.

Instant payments in euros are increasingly available across SEPA. Provided no currency is converted, the transfer tends to be cheap; it is the conversion that costs money.

Changed bank details? Be careful

A common scam goes like this: you receive a request saying that a supplier has a new bank account and asking you to pay there from now on. A correct SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Never rely on a phone number in the same message that contains the change. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. Already paid? Contact your bank without delay and ask them to start a recall and report the fraud.

Recipients are targeted too: a classic trick is an overpayment and then sends a request to refund the difference abroad. Do not act before the money is actually in your account and check with Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa if anything seems off.

A note on our data

The codes on this page are taken from public sources that we update regularly. It is possible that a code on this page is out of date after a merger or reorganisation. Counts and locations come from our own dataset and may differ from what Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa publishes.

Treat our directory here as a handy check, and let the details from the recipient or Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa have the final say. GoldexPay is a comparison site and not part of Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa. If you notice something that is out of date, we appreciate a message.

What a transfer from Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa abroad really costs

When you transfer money abroad through Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa, the visible fee is rarely all of what you pay. You pay the fee for the transfer itself, possibly charges from correspondent banks along the way and, above all, the margin on the exchange rate.

Many banks do not show their exchange rate markup separately, but you pay it all the same. An easy check: set the bank’s rate against the mid-market rate and look at the difference.

For a lot of currency pairs, a transfer service turns out to be cheaper than a traditional bank transfer, mainly because of the exchange rate. Next time you send money, take a minute to compare what arrives on GoldexPay. You can still keep your account at Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa as the source of the money.

How long does an international transfer to Cassa Rurale Ed Artigiana di Castellana Grotte-Credito Cooperativo Societa' Cooperativa take?

A SWIFT payment typically needs one to a few business days – it depends on currency, route and the banks in between. Bank holidays in either country add extra days. Extra checks on larger or unusual payments can also cause some delay, even when all details are correct.

If the money seems late, ask your bank about the status or the UETR so they can trace it along the chain. Money transfer services usually provide tracking in their app showing how far the payment has got.

If a payment has not arrived within the expected time, the sender should start with the bank that sent it, not the receiving bank. As a recipient, you can check your account for a partial amount, since fees may have been deducted.