Societe Generale (Canada) SWIFT/BIC code

Societe Generale (Canada) SWIFT code: SOGECAMM

The short code SOGECAMM and the 11-character code SOGECAMMXXX identify one and the same institution: Societe Generale (Canada) in Montreal, Canada. The code does one job: it ensures that a cross-border transfer ends up at the right bank. In daily life you mostly see it on invoices from abroad, in payment forms and on the account details of Societe Generale (Canada) customers.

Further down you will find the practical side: money coming in from abroad, paying someone in another country and how to verify the code before you hit send. A SWIFT code names a bank or branch, not a specific account; the IBAN or account number does that.

Choosing between the 2 SWIFT codes of Societe Generale (Canada)

Our directory lists 2 SWIFT/BIC codes for Societe Generale (Canada), spread over 2 locations. Besides the head office code SOGECAMMXXX, you will find codes for individual branches and departments.

For most incoming transfers, the head office code SOGECAMMXXX is what you need. Just use a branch code when your contact explicitly asks for it, for example on an invoice or in their bank details.

The safest route is to take the code directly from the recipient’s statement. Branch codes are sometimes changed or retired when banks reorganise.

SOGECAMM or SOGECAMMXXX – which one to use?

The structure of a BIC never changes: a bank code of four letters, a two-letter country code and a two-character location code, plus an optional branch code. In this case, that core is SOGECAMM.

The full 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 or dashes when you type SOGECAMM. Look out for O versus 0 and I versus 1; they are easy to mix up.

Where our SWIFT data comes from

Our SWIFT/BIC directory is compiled from public sources. It can happen that information here is no longer current after a merger or reorganisation. The number of codes on this page reflect what is in our directory.

Treat the information here as a helpful check. GoldexPay is a comparison site and not part of Societe Generale (Canada). Found an error? Tell us via our contact form so we can correct it.

Getting paid from abroad into a Societe Generale (Canada) account

For an international payment at Societe Generale (Canada), the person paying you has to have more than the SWIFT code. That means: your name as registered with Societe Generale (Canada), your account number or IBAN, the BIC SOGECAMMXXX and usually your address.

The sender’s bank may request the bank address of Societe Generale (Canada). Check each detail before you share them.

Money from abroad will not always arrive in full. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the currency changes, a markup on the rate comes on top. Make clear with the sender who covers the fees before the money is sent.

Sending CAD to Societe Generale (Canada)

Accounts at Societe Generale (Canada) are usually held in CAD, the local currency. If you send another currency, the amount gets converted at some point – by your bank, by Societe Generale (Canada) or by a bank in between. There is rarely a separate charge for that conversion.

Who converts the payment makes a difference: every bank has its own margin. Compare what CAD arrives via several providers; the difference between options can be larger than you expect.

Rates for CAD change all the time. For recurring payments, a slightly better rate make a real difference over time.

Sending money abroad from Societe Generale (Canada)

An international bank payment costs more than the fee suggests. On top of a fixed fee, correspondent or intermediary banks can take a cut, and when the money changes currency the bank often applies a rate that is less favourable than the real market rate.

The markup on the rate is often the biggest item. An easy check: set the bank’s rate next to the mid-market rate and work out the difference on your amount.

Specialist money transfer services frequently use a rate near the mid-market rate. On GoldexPay you can compare what recipients receive across services, so you can pick the cheapest route. You can always keep your account at Societe Generale (Canada) to fund the transfer; only the conversion and sending happen elsewhere.

How long does an international transfer to Societe Generale (Canada) take?

There is no fixed delivery time for every transfer: many land within a day, others take several business days. Bank holidays in the sending or receiving country can add extra days, since banks do not process on those days. Compliance checks by one of the banks can also cause a delay, regardless of the details.

Many banks are connected to SWIFT gpi for faster and traceable payments. Each gpi transfer gets a unique reference, the UETR, which your bank can use to see where the money is. Money transfer services usually show a status online so you can see where the money has got.

The bank that sent the money can request a trace or a recall; the receiving side usually has nothing to trace yet. On the receiving end, it helps to look at your account to see a partial amount, since fees may have been deducted.

Scams that use SWIFT codes

Stay wary if someone unexpectedly asks you to pay into another account or a bank in another country. A correct SWIFT code tells you nothing about who owns the account – scammers simply use real codes.

Check changed bank details through a separate channel. Be suspicious of time pressure, odd spelling or a sender address that is slightly off. If a payment was sent to the wrong account, call your bank right away – speed improves the chance of getting it back.

People receiving money can be targeted as well: one known trick is a buyer who pays too much followed by a request to send back the difference to another account. A screenshot of a transfer is no proof.

Before you send: check the Societe Generale (Canada) code

The safest source for the BIC is the recipient’s own bank details: an invoice, a bank statement or their online banking. Check that code with SOGECAMM on this page; if they differ, ask before you pay.

Errors in the BIC are costly more than fatal: often the payment comes back, minus fees. A mistake in the IBAN or account number can be more serious; check it just as carefully.

Many banking apps validate the format of IBANs and some suggest the matching BIC. If your bank offers it, a payee name check before sending gives an extra layer of safety. When you pay someone new, many people send a small test amount.