Aviva Gestion D'actifs SA SWIFT/BIC code

AVGAFRP1 – the SWIFT/BIC code of Aviva Gestion D'actifs SA

AVGAFRP1 and AVGAFRP1XXX are the short and the long form of the same SWIFT/BIC code, and both point to Aviva Gestion D'actifs SA in Paris. Every bank on the SWIFT network uses BIC codes to route international transfers to the right bank. You will need it mostly for payments that cross a border.

Below we go through the practical side: money coming in from abroad, paying someone in another country and how to check the code before you confirm a payment. The SWIFT code on its own cannot identify a personal account; for that you need the IBAN or account number is for.

About this information

We collect bank codes from public sources and update them from time to time. It can happen that a code here is no longer current. The number of codes on this page reflect what is in our directory.

Treat this page as a starting point, not as the last word. We are a comparison site and not affiliated with Aviva Gestion D'actifs SA. Spotted an error? Tell us through the contact page.

Verifying the SWIFT code of Aviva Gestion D'actifs SA

The most reliable place for the correct BIC remains paperwork issued by the bank, such as a statement or the account details in online banking. If the code you have differs from AVGAFRP1 or AVGAFRP1XXX, do not guess – contact the recipient or Aviva Gestion D'actifs SA.

With a wrong code, the transfer might be delayed, be returned or end up costing more – sometimes after weeks of searching. An error in the IBAN or account number is more serious because it can reach the wrong person, so check that just as carefully.

An automatic check by your bank merely tells you that the code is valid. Some banks now check the payee name against the account – do not ignore a mismatch warning. For a first payment, some people start with a small amount first before sending the rest.

Which of the 2 codes of Aviva Gestion D'actifs SA do you need?

Aviva Gestion D'actifs SA has 2 separate SWIFT/BIC codes across 1 locations. One of them is the head office code; the rest belong to branches.

For the vast majority of payments to a private or business account, the head office code AVGAFRP1XXX is the right choice. If you have been given a branch code, stick to it instead of replacing it with the head office code.

The best way is to take the code directly from the account holder’s invoice. Codes for branches are more likely to change than AVGAFRP1XXX when a bank merges or closes offices.

8 or 11 characters: AVGAFRP1 versus AVGAFRP1XXX

A BIC is built from a few fixed parts: the first four letters identify the bank, the next two show the country and the two after that indicate the location. For Aviva Gestion D'actifs SA, that core is AVGAFRP1.

XXX at the end of AVGAFRP1XXX does not stand for a missing value or an error: it stands for the head office of Aviva Gestion D'actifs SA. Some forms ask for 11 characters, in which case you simply add XXX after AVGAFRP1.

Leave out spaces or dashes when you type AVGAFRP1; the code is always written in one block. Copying the code beats retyping it.

International transfers from Aviva Gestion D'actifs SA: the real cost

When you send money to another country via Aviva Gestion D'actifs SA, the fee you see is rarely all of what you pay. Besides the transfer fee, banks in between may deduct a fee, and if currencies are converted, the bank usually uses a rate below the actual market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: the bank converts using an exchange rate that includes a margin. Compare their rate against the mid-market rate – the rate you find on financial news sites.

For many currency pairs, a specialist provider turns out to be less expensive than a bank. GoldexPay lists transfer providers side by side so you can see the amount the recipient gets. You can always use your account at Aviva Gestion D'actifs SA as the source of the money, while a cheaper service handles the conversion.

Paying Aviva Gestion D'actifs SA in euros within SEPA

France is part of the SEPA area, where euro transfers follow common rules. When you send euros from another SEPA country, you normally only need the IBAN; many banks no longer ask for the BIC.

Outside the euro and for senders outside SEPA, AVGAFRP1XXX is still part of the payment details. If your banking app asks for the BIC anyway, entering AVGAFRP1 is fine.

Instant euro transfers are increasingly available across SEPA; check with Aviva Gestion D'actifs SA whether it applies to your account. Charges on SEPA payments tend to be low, as long as no currency conversion is involved.

Sending EUR to Aviva Gestion D'actifs SA

France pays in the Euro. A payment in a foreign currency will be exchanged into EUR before it reaches the account, and whoever converts it chooses the rate. Each conversion eats into something – usually through the rate rather than a fee.

Where the conversion happens has an effect on the final amount, as rates and margins differ per bank. Transferring the amount already in EUR often avoids an extra conversion at the receiving end.

The rate for EUR changes throughout the day and quotes are often valid only for a short time. With bigger transfers, a seemingly small gap in the rate can be worth more than the fee.

Getting paid from abroad into a Aviva Gestion D'actifs SA account

If you are waiting for a payment from another country, give the sender a complete set of details. That means: your full name as registered with Aviva Gestion D'actifs SA, your account number or IBAN, the BIC AVGAFRP1XXX and sometimes your postal address.

Their bank may also ask for the bank address of Aviva Gestion D'actifs SA. Double-check every detail before you send them – a sender rarely spots a mistake in someone else’s details.

What lands in your account is often less than the amount sent. Charges on incoming payments differ per bank – the price list of Aviva Gestion D'actifs SA tells you what applies. For business payments, it is common to state who bears the costs, so that nobody is left short.

Watch out for payment fraud

Criminals regularly use payment requests with new bank details, sometimes in an email that looks completely genuine. The fact that AVGAFRP1 exists is no guarantee that the account is legitimate; criminals use the codes of real banks too.

Always verify a change of bank details by phone. Be suspicious of urgent requests, unusual wording or an email address that differs by one letter. When money has already gone to the wrong account, call your bank right away – speed improves the chance of getting it back.

Recipients can be targeted as well: one known trick is a buyer who pays too much followed by a request to send back the difference abroad. Wait until the money has really arrived and check with Aviva Gestion D'actifs SA if anything seems off.

How long does an international transfer to Aviva Gestion D'actifs SA take?

There is no single delivery time for every transfer: many land the same day or the next, others take several business days. Weekends and public holidays in the sending or receiving country add a day or more. Extra checks by one of the banks may also add some delay, even when all details are correct.

A growing number of banks use SWIFT gpi for faster and traceable payments. Each payment gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Keep your transfer receipt until the money has arrived.

A delayed transfer is investigated from the sending side. On the receiving end, you can check your account for a partial amount, since fees may have been deducted.