Credito Cooperativo - Cassa Rurale Ed Artigiana di Paliano Scrl SWIFT/BIC code

ICRAITRR – the SWIFT/BIC code of Credito Cooperativo - Cassa Rurale Ed Artigiana di Paliano Scrl

The 8-character code ICRAITRR and the 11-character code ICRAITRRJX0 refer to one and the same institution: Credito Cooperativo - Cassa Rurale Ed Artigiana di Paliano Scrl, with its head office in Paliano. Every bank on the SWIFT network uses BIC codes to direct payments between countries to the correct institution. In daily life you mostly come across it on international invoices, in payment forms and on the account details of Credito Cooperativo - Cassa Rurale Ed Artigiana di Paliano Scrl customers.

On this page you can read how the code is put together, when you need it and which other details you need for a transfer to or from Credito Cooperativo - Cassa Rurale Ed Artigiana di Paliano Scrl. The SWIFT code alone does not identify a personal account; that is what the IBAN or account number is for.

Do you need ICRAITRR for a SEPA transfer?

Within the SEPA zone, euro transfers to Credito Cooperativo - Cassa Rurale Ed Artigiana di Paliano Scrl use common rules and in most cases need only the IBAN. The BIC field is often optional for those payments.

You will still need ICRAITRRJX0 when sending non-euro payments or transfers from countries outside SEPA. A few forms still show a field for the BIC out of habit; in that case, fill in ICRAITRR or ICRAITRRJX0.

Euro payments within SEPA usually arrive by the next business day. As long as no currency is converted, the transfer is cheap; it is the conversion that costs money.

Sending EUR to Credito Cooperativo - Cassa Rurale Ed Artigiana di Paliano Scrl

Most accounts at Credito Cooperativo - Cassa Rurale Ed Artigiana di Paliano Scrl are typically held in EUR, the national currency of Italy. If you send money in a different currency it gets converted at some point: by your bank, an intermediary or Credito Cooperativo - Cassa Rurale Ed Artigiana di Paliano Scrl itself. Every conversion costs something – usually through the rate rather than a fee.

Who converts the money matters. Check what EUR the recipient gets with several providers before choosing one.

The EUR rate fluctuates constantly. For recurring payments, small differences in the rate make a real difference over a year.

Incoming international payments to Credito Cooperativo - Cassa Rurale Ed Artigiana di Paliano Scrl

Someone abroad who wants to pay you needs a few details about your account – incomplete details often cause delays. The basics are: the account holder’s name, IBAN or account number, ICRAITRRJX0 and often your home address.

Certain banks want the address of Credito Cooperativo - Cassa Rurale Ed Artigiana di Paliano Scrl, so keep it at hand. A mistake in your account number is harder to fix than it looks.

The amount you receive is often less than what was sent. Fees for incoming transfers vary from bank to bank. On invoices, you can state how the fees are split, so that nobody is left short.

Paying someone abroad from your Credito Cooperativo - Cassa Rurale Ed Artigiana di Paliano Scrl account

What you pay for a payment abroad is made up of more than one component, and the transfer fee is only the most visible one. You pay the transfer fee, possibly charges from correspondent banks along the way and, most importantly, the margin on the exchange rate.

Many banks rarely list the margin on the rate separately, but you pay it all the same. Compare their rate against the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

For a lot of routes, a specialist provider turns out to be cheaper than a bank. Next time you send money, take a minute comparing the total cost on GoldexPay. Choosing a specialist does not require leaving Credito Cooperativo - Cassa Rurale Ed Artigiana di Paliano Scrl.

ICRAITRR or ICRAITRRJX0 – which one to use?

The structure of a BIC never changes: four characters for the institution, a two-letter country code and two for the location. The result is ICRAITRR for Credito Cooperativo - Cassa Rurale Ed Artigiana di Paliano Scrl.

The 11-character version adds three more characters for a branch or department. When those three characters are XXX, they simply mean the head office.

Type the code as one block, in upper case and without spaces, exactly as shown here. A single letter may route the money to another bank, so copy it carefully.

How to check ICRAITRR before you pay

Have the recipient send you the account details directly from a recent statement. Check that code with ICRAITRR on this page and ask if anything does not match.

A wrong SWIFT code may lead to delays, a returned payment or extra fees along the way. An error in the account number is more serious, because the money may be credited to someone else.

Most online banking apps validate the structure of an IBAN and some suggest the matching BIC, but that does not prove the account belongs to the right person. Some banks now compare the name with the account before you confirm – do not ignore a mismatch warning. Sending a small amount first can be a sensible step for large sums, even if it costs an extra fee.

Where our SWIFT data comes from

The details on this page come from public sources that we update regularly. Even so, banks merge or retire codes and our data may lag behind. Figures such as the number of codes come from our own dataset.

Treat our data as a starting point, rather than as the final word. GoldexPay is an independent comparison site for money transfers and not affiliated with Credito Cooperativo - Cassa Rurale Ed Artigiana di Paliano Scrl. Found outdated information? Let us know through the contact page and we will look into it.

Which of the 2 codes of Credito Cooperativo - Cassa Rurale Ed Artigiana di Paliano Scrl do you need?

We have 2 SWIFT/BIC codes for Credito Cooperativo - Cassa Rurale Ed Artigiana di Paliano Scrl, spread over 2 cities. Besides the head office code ICRAITRRJX0, there are codes for individual branches and departments.

For most incoming transfers, the head office code ICRAITRRJX0 is the right choice. If you have been given a specific code, stick to it rather than replacing it with the head office code.

When in doubt, check with the recipient which code their bank gave them. Branch codes are more prone to change than ICRAITRRJX0.

When will the money arrive at Credito Cooperativo - Cassa Rurale Ed Artigiana di Paliano Scrl?

A SWIFT payment typically needs anywhere from one to several business days. Payments made after the cut-off time or just before weekends and holidays often start a business day later. Sometimes a bank asks about the purpose of a payment.

If the money is delayed, ask your bank for the status and the transaction reference; with that reference banks can see where the payment is. Money transfer services often show tracking in their app so you can see how far the money is.

The bank that sent the money is able to start an official trace – the recipient’s bank often cannot see a payment that has not arrived. Ask the sender for a copy of the payment confirmation; that often settles the question quickly.

Scams that use SWIFT codes

One of the most common tricks works like this: you receive a message saying that a supplier has new bank details. A valid SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Before paying, confirm changed bank details by phone. Be suspicious of urgent requests, unusual wording or a sender address that is slightly off. If a payment was sent to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

People receiving money are targeted too: a classic trick is an overpayment and then sends a request to refund the difference. A screenshot of a transfer proves nothing – check your own account.