La Bcc del Crotonese Credito Cooperativo Societa Coop SWIFT/BIC code

What ICRAITR1 means for a payment to La Bcc del Crotonese Credito Cooperativo Societa Coop

The short code ICRAITR1 and the full code ICRAITR1GJ6 identify one and the same institution: La Bcc del Crotonese Credito Cooperativo Societa Coop in Cariati, Italy. A SWIFT code tells every bank in the chain which institution is meant to get the money, a bit like a postal address for banks. In daily life you mostly come across the code on international invoices, in your banking app and in the bank details of La Bcc del Crotonese Credito Cooperativo Societa Coop customers.

This page is meant to help people who pays into an account at La Bcc del Crotonese Credito Cooperativo Societa Coop without mistakes. The SWIFT code alone cannot identify a personal account; that is what the account number or IBAN .

How to check ICRAITR1 before you pay

The most reliable source for the BIC is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. Check it against ICRAITR1 on this page; if they differ, ask before you pay.

Mistakes in the BIC tend to be costly rather than disastrous – usually the money comes back, minus fees and time lost. Remember the account number: a mistake there is harder to undo than a wrong BIC.

Most online banking apps check the structure of an IBAN and sometimes look up the BIC automatically – that confirms the format, not the owner. Some banks now check the name against the account before you confirm – do not ignore a mismatch warning. When you pay someone new, some people send a small test amount before sending the rest.

Sending EUR to La Bcc del Crotonese Credito Cooperativo Societa Coop

Most accounts at La Bcc del Crotonese Credito Cooperativo Societa Coop are typically held in EUR, the national currency of Italy. If you send money in a different currency, the amount gets converted somewhere along the way. You rarely see a separate line for that conversion.

Who does the conversion affects the final amount, as rates and margins differ per bank. Transferring the money directly in EUR usually avoids a second conversion, provided the rate you get is fair.

Rates for EUR move all the time, and some providers let you lock in a rate. If you pay regularly, a slightly better rate make a real difference over a year.

Scams that use SWIFT codes

Be wary if a contact unexpectedly wants you to send money to another account. The fact that ICRAITR1 exists does not mean that the account is genuine; criminals use the codes of real banks too.

Never rely on a phone number from the same email that contains the new account. Be suspicious of urgent requests, unusual wording or a sender address that is slightly off. Acted too fast? Contact your bank without delay and have them start a recall and report the fraud.

Recipients 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.

A note on our data

The directory on GoldexPay is based on publicly available sources and is updated regularly. Banks reorganise, close branches and change codes, and a directory never catches every change immediately. Counts and locations come from our directory and may differ from what La Bcc del Crotonese Credito Cooperativo Societa Coop publishes.

Treat our directory on this page as a helpful check. GoldexPay is a comparison site and not affiliated with La Bcc del Crotonese Credito Cooperativo Societa Coop. Spotted an error? Let us know through the contact page and we will look into it.

8 or 11 characters: ICRAITR1 versus ICRAITR1GJ6

The structure of every SWIFT code is always the same: a bank code of four letters, two for the country and two for the location, sometimes followed by a branch code. In this case, the 8-character core is ICRAITR1.

The 11-character version has a three-character extension that identify a branch or department. When those three characters are XXX, they simply mean the head office.

In practice the code is typed in capitals. A single character may route the money to a different institution.

What to give a sender who pays you at La Bcc del Crotonese Credito Cooperativo Societa Coop

When you are waiting for a payment from another country, give the sender everything they need in one go. Give them your name as the bank knows it, the IBAN or account number, SWIFT code ICRAITR1GJ6 and your address, which some banks require.

It helps to include the bank name and its city too. A mistake in your account number is harder to fix than it looks.

What lands in your account is often less than what was sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the currency changes, an exchange rate margin comes on top. For business payments, it is common to state who bears the costs, so that nobody is left short.

Euro transfers to La Bcc del Crotonese Credito Cooperativo Societa Coop: is a BIC needed?

Since Italy is part of the SEPA zone, a euro payment to La Bcc del Crotonese Credito Cooperativo Societa Coop from within the SEPA area usually requires just the IBAN. Many banks no longer ask for the BIC in that case.

You still need ICRAITR1GJ6 when sending non-euro payments or transfers from countries outside SEPA. A few banks and apps still show a field for the BIC; if so, fill in ICRAITR1 or ICRAITR1GJ6.

Euro payments within SEPA normally land within one business day, and instant transfers in seconds where both banks support them. Fees for SEPA payments are generally low, as long as no currency conversion is involved.

Head office or branch code at La Bcc del Crotonese Credito Cooperativo Societa Coop?

We have 10 SWIFT/BIC codes for La Bcc del Crotonese Credito Cooperativo Societa Coop in 9 cities. Next to the head office code ICRAITR1GJ6, there are codes for individual branches and departments.

Unless the recipient tells you otherwise, use ICRAITR1GJ6. If you have been given a branch code, stick to it instead of swapping it for the head office code.

Unsure which code to use? Ask the recipient or the bank itself. Branch codes can change when banks reorganise.

When will the money arrive at La Bcc del Crotonese Credito Cooperativo Societa Coop?

How fast a payment arrives at La Bcc del Crotonese Credito Cooperativo Societa Coop depends on several factors: the currency, the number of banks in between, cut-off times and differences in time zone. Bank holidays in either country add extra days. Extra checks on larger or unusual payments can also add some delay, regardless of the details.

If a transfer is late, ask your bank about the status so they can trace it along the chain. Save the payment confirmation.

The bank that sent the money is able to request a trace or a recall. Ask the sender for a copy of the payment confirmation including the reference.

What a transfer from La Bcc del Crotonese Credito Cooperativo Societa Coop abroad really costs

A bank transfer abroad can cost more than the listed fee. Besides a fixed fee, banks in between can deduct a fee, and when currencies are converted, the bank often applies a rate below the real market rate.

That exchange rate margin is often the largest item because it is hidden in the rate. An easy check: put the rate you get next to the mid-market rate for the same moment and look at the difference.

Money transfer services often use a rate near the mid-market rate and lower fees. Next time you send money, take a minute to compare what arrives via GoldexPay instead of going straight to your bank. Choosing a specialist does not require leaving La Bcc del Crotonese Credito Cooperativo Societa Coop.