Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa SWIFT/BIC code

ICRAITR1 – the SWIFT/BIC code of Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa

If an invoice shows ICRAITR1 or ICRAITR1PHP, it is the same identifier for Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa in Italy. The code has a single purpose: it ensures that a cross-border transfer reaches the right bank. In daily life you usually come across the code on international invoices, in your banking app and on the account details that Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa provides.

Below we go through the practical side: receiving money at Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa, paying someone in another country and how to check the code before you confirm a payment. The SWIFT code alone does not identify an individual account holder; that is what the account number or IBAN is for.

Paying Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa in euros within SEPA

Italy is part of the Single Euro Payments Area (SEPA), the zone for uniform euro payments. When you send euros from another SEPA country, you normally only need the IBAN.

The BIC still come into play for payments in other currencies, and for transfers from outside SEPA. If your banking app asks for the BIC anyway, entering ICRAITR1 is fine.

Instant euro transfers have become widely available within SEPA – whether Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa offers them for your account is worth checking. Fees for SEPA transfers tend to be low as long as everything stays in euros.

When will the money arrive at Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa?

There is no single answer for every transfer: some arrive within a day, others take several business days. Transfers sent late in the day or just before a weekend or public holiday often go out a business day later. Sometimes a bank wants to know what the payment is for.

Many banks use SWIFT gpi. Every payment gets a unique reference, the UETR. Keep your transfer receipt until the recipient confirms – you will need it for any trace request.

A delayed transfer has to be traced by the sending bank on the basis of the transfer details. Ask the sender for the payment receipt including the reference – it helps your own bank look for the money.

Changed bank details? Be careful

A common scam goes like this: an email arrives with a request claiming that a supplier has new bank details and that the next payment should go there. A real SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Verify new payment details through a different channel, not by replying to the message. Watch out for urgent requests, odd spelling or an email address that differs by one letter. Acted too fast? Call your bank straight away and have them try to recall the payment and report the fraud.

People receiving money can be targeted as well: one known trick is an overpayment followed by a request to refund the difference abroad. A screenshot of a transfer proves nothing – check your own account.

How up to date is this code?

We gather bank codes from public sources and update our list from time to time. Still, banks merge or retire codes, so information can be out of date. The number of codes on this page are based on what is in our directory.

For any payment of any size, check the BIC with Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa or the recipient. We are a comparison service for money transfers and not affiliated with Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa. If you notice a mistake, we appreciate a message via the contact page.

Paying into Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa in EUR

Most accounts at Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa are typically held in EUR, the local currency of Italy. When you pay money in a different currency it gets converted at some point. Every conversion costs something, even when no fee is shown.

Who does the conversion has an effect on how much arrives, as rates and margins differ per bank. Often it is cheaper to send EUR straight away through a provider with a good rate, so that the receiving bank does not need to convert again.

Rates for EUR move all the time – some services let you fix a rate in advance. On larger amounts, even small difference in the rate can be worth more than the fee.

8 or 11 characters: ICRAITR1 versus ICRAITR1PHP

Each SWIFT/BIC code has an 8-character core: four letters for the bank, a two-letter country code and two characters for the location. Combined, those parts form ICRAITR1.

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

Do not add spaces when you type ICRAITR1. A wrong character can send the money to a different institution, so copy it carefully.

Receiving money from abroad at Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa

When you are waiting for a payment from another country, give the sender a complete set of details. The basics are: the account holder’s name, IBAN or account number, ICRAITR1PHP and, for some countries, your postal address.

The sender’s bank might request the bank address of Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa, in which case the Cassola head office is the usual answer. A typo in your account number can be harder to fix than you might think; copy them from your banking app rather than typing.

Money from abroad will not always arrive for the full amount. Charges on incoming payments differ per bank – the price list of Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa tells you what applies. On invoices, it is common to agree how the fees are split to avoid a shortfall.

Sending money abroad from Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa

What you pay for a payment abroad has several parts – not just the fee on your screen. You pay the fee for the transfer itself, possibly charges from correspondent banks along the way and, most importantly, the margin on the exchange rate.

The markup on the rate is often the biggest cost, and it is easy to miss. An easy check: set the rate you get next to the mid-market rate for the same moment and work out the difference on your amount.

For many currency pairs, a transfer service turns out to be cheaper than a traditional bank transfer. GoldexPay lists these services next to each other so you can see the amount the recipient gets before you commit. Using a transfer service does not require closing your account at Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa – you pay the provider from your own account.

Verifying the SWIFT code of Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa

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. Compare it against ICRAITR1 here and ask if anything does not match.

If the code is wrong, the payment may get stuck, bounce back or cost extra. An error in the account number is more serious, because the money may be credited to someone else; check it just as carefully.

An automatic check in your banking app only tells you that the IBAN is valid, not that it is the right account. Where available, a payee name check on the recipient adds extra certainty. For a first payment, some people start with a small test amount and wait for confirmation.

Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa: head office code versus branch codes

Credito Trevigiano-Banca di Credito Cooperativo Societa' Cooperativa has 6 separate SWIFT/BIC codes across 6 locations. Only one is the head office code, ICRAITR1PHP; the others belong to branches, and sometimes specific services.

For most incoming transfers, the head office code ICRAITR1PHP is what you need. Only use a branch code when the account holder gives you that exact code, for example on a letter or invoice.

Unsure which code to use? Ask the recipient. Branch codes are sometimes changed or retired over time, so do not rely on old paperwork.