Agence France Tresor (Aft) SWIFT/BIC code

SWIFT/BIC code of Agence France Tresor (Aft)

The short code AFTRFRPP and the full code AFTRFRPPXXX identify one and the same institution: Agence France Tresor (Aft) in Paris, France. Banks worldwide use BIC codes to direct payments between countries to the right institution. In daily life you mostly see the code on invoices from abroad, in your banking app and in the bank details of Agence France Tresor (Aft) customers.

On this page you can read what the code means, when it matters and which other details you need for a transfer to or from Agence France Tresor (Aft). The SWIFT code alone cannot identify an individual account holder; for that you need the account number or IBAN .

What the XXX in AFTRFRPPXXX means

Each SWIFT/BIC code has the same eight core characters: a four-letter bank code, two letters for the country and two characters for the location. In this case, that core is AFTRFRPP.

The long version adds a three-character extension for a branch or department. If the last three are XXX, the code points to the head office.

Leave out spaces or dashes when you enter AFTRFRPP; the code is always written in one block. Pasting the code beats typing it by hand.

Euro (EUR) and conversion costs

France uses the Euro. Money sent in a different currency is exchanged into EUR on its way to Agence France Tresor (Aft), and whoever converts it chooses the rate. There is rarely a separate charge for that conversion; it is built into the rate.

Where the conversion happens affects how much arrives, since every bank sets its own rate. Compare what EUR arrives via different providers.

Rates for EUR change all the time, and some providers let you lock in a rate. If you pay regularly, small differences in the rate make a real difference over time.

Which of the 2 codes of Agence France Tresor (Aft) do you need?

We have 2 SWIFT/BIC codes for Agence France Tresor (Aft), spread over 1 cities. Next to the head office code AFTRFRPPXXX, there are codes for individual branches and departments.

Unless the recipient tells you otherwise, go with AFTRFRPPXXX or its short form AFTRFRPP. Only use a branch code when your contact explicitly asks for it.

The best way is to copy the code directly from the account holder’s statement. Codes for branches are more likely to change than AFTRFRPPXXX when a bank merges or closes offices.

Incoming international payments to Agence France Tresor (Aft)

Someone abroad who wants to pay you needs a few details from you – incomplete details often cause delays. What they need is: your name, IBAN or account number, AFTRFRPPXXX or AFTRFRPP and, for some countries, your home address.

Their bank may also ask for the address of your bank. Double-check each detail before you send them.

What lands in your account can be less than what was sent. Correspondent banks can take a fee, and if the currency changes, a markup on the rate applies. On invoices, you can state how the fees are split, so that nobody is left short.

How to check AFTRFRPP before you pay

The most reliable place for the correct BIC is paperwork issued by the bank like a bank statement or the account page in online banking. Compare it with AFTRFRPP here and ask if anything does not match.

If the code is wrong, the payment might be delayed, be returned or end up costing more – sometimes after weeks of searching. Remember the IBAN: an error there is more difficult to undo than a wrong BIC.

A validity check by your bank merely tells you that the code exists. Where available, a payee name check on the recipient gives an extra layer of safety. A small test payment can be worth it for a large first payment, even if it costs an extra fee.

What a transfer from Agence France Tresor (Aft) abroad really costs

When you transfer money abroad via Agence France Tresor (Aft), the visible fee is only part of what you pay. On top of a fixed fee, correspondent or intermediary banks can deduct a fee, and when the money changes currency, the bank usually uses a rate below the actual market rate.

The markup on the rate tends to be the biggest item, and it is easy to miss. Compare the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

For a lot of routes, a transfer service is cheaper than a bank – mostly thanks to the rate. Before your next transfer, it is worth to compare the total cost on GoldexPay instead of going straight to your bank. You can always keep your account at Agence France Tresor (Aft) to fund the transfer; only the conversion and sending happen elsewhere.

A note on our data

This directory is compiled from publicly available sources. It can happen that a code here is out of date after a merger or reorganisation. Figures such as the number of codes are from our own dataset and may differ from what Agence France Tresor (Aft) publishes.

See our directory here as a helpful check, and let the details from the recipient or Agence France Tresor (Aft) have the final say. We are a comparison site for money transfers and not affiliated with Agence France Tresor (Aft). If you notice something that is out of date, we appreciate a message via the contact page.

Tracking a transfer to or from Agence France Tresor (Aft)

There is no single answer: many land within a day. Payments made after the cut-off time or on weekends and holidays usually start the next business day. Compliance checks by one of the banks may also cause some delay, regardless of the details.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Every payment gets a unique reference, the UETR, which your bank can use to see where the money is. Money transfer services usually show tracking online so you can see where the payment has got.

The bank that sent the money can start an official trace. On the receiving end, it helps to check your account for a slightly lower amount, since fees may have been deducted.

Protect yourself against fake payment requests

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

Before paying, confirm a change of bank details by phone. Pressure or requests to keep it quiet tend to be red flags – a real supplier can wait a day. When money has already gone to a fraudster, call your bank right away.

People receiving money are targeted too: a classic trick is an overpayment and then sends a request to refund the difference to another account. Do not act before the money is actually in your account.

Do you need AFTRFRPP for a SEPA transfer?

France is part of the SEPA area, the zone for uniform euro payments. When you send euros within SEPA, you normally only need the IBAN.

For anything other than euros and from non-SEPA countries, AFTRFRPPXXX or AFTRFRPP is still part of the payment details. If your banking app asks for the BIC regardless, adding AFTRFRPP is fine.

Instant euro transfers have become increasingly available within SEPA; check with Agence France Tresor (Aft) whether it applies to your account. Fees for SEPA payments are generally low, as long as no currency conversion is involved.