Axa Banque SA SWIFT/BIC code

Axa Banque SA SWIFT code: AXABFRPP

Whether you are given AXABFRPP or AXABFRPPXXX, you are looking at the same address for Axa Banque SA in France. The code does one job: it makes sure that money from abroad ends up at the right bank. In practice you mostly see it on international invoices, in payment forms and on the account details that Axa Banque SA provides.

Below you will find the practical side: receiving money at Axa Banque SA, sending money abroad and how to check a SWIFT code before you confirm a payment. Keep in mind that the SWIFT code just identifies the bank, not the account: the IBAN or account number does that part.

AXABFRPP or AXABFRPPXXX – which one to use?

The structure of a BIC is always the same: four characters for the institution, two for the country and a two-character location code. Combined, these eight characters make up AXABFRPP.

Many banks and apps accept either length. If yours asks for eleven characters, enter AXABFRPPXXX.

Type the code as one block, in capitals and without spaces, exactly as shown here. Copying the code beats retyping it, because one wrong letter changes the bank.

Is AXABFRPP still correct? How to check

The best place to find the right code remains paperwork issued by the bank like a bank statement or the account page in online banking. When the code you were given does not match AXABFRPP or AXABFRPPXXX, do not guess – contact the recipient or Axa Banque SA.

If the code is wrong, the transfer may be delayed, bounce back or end up costing more. Remember the account number: a mistake there can be harder to undo than a wrong BIC.

Most online banking apps validate the format of an IBAN and some suggest the matching BIC, but that does not prove the account belongs to the right person. If your bank offers it, a payee name check before sending adds extra certainty. A small test payment can be a sensible step for a large first payment, even if it costs an extra fee.

What to give a sender who pays you at Axa Banque SA

To receive a transfer from abroad into your account at Axa Banque SA, the sender has to have not just the BIC. In practice that means: your full name as registered with Axa Banque SA, your IBAN or account number, the SWIFT/BIC code AXABFRPPXXX and, often, your postal address.

Some sending banks want the name and address of Axa Banque SA in Fontenay Sous Bois, so keep it at hand. Double-check the details before you share them.

An incoming payment will not always arrive for the full amount. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, an exchange rate margin comes on top. On invoices, you can agree who bears the costs, so that nobody is left short.

When will the money arrive at Axa Banque SA?

How quickly a payment arrives at Axa Banque SA depends on several factors: which currency you send, the number of banks in between, cut-off times and differences in time zone. Weekends and public holidays in the sending or receiving country add a day or more. Occasionally a bank asks what the payment is for.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Every payment carries a unique transaction reference, the UETR. Save your transfer receipt until the money has arrived – you will need it for any trace request.

If the money does not arrive after a few business days, the person who paid needs to contact the bank that sent it, not the receiving bank. On the receiving end, it helps to look at your account to see a partial amount.

Where our SWIFT data comes from

Our SWIFT/BIC directory is based on publicly available sources. Banks reorganise, change names and retire codes, and a directory never catches every change immediately. The figures on this page reflect our own data.

See the information on this page as a helpful check. GoldexPay has no connection to Axa Banque SA, we only compare transfer services. Found an error? Tell us through the contact page and we will look into it.

Scams that use SWIFT codes

A common scam goes like this: you receive a message saying that a company now has a new bank account and asking you to pay there from now on. A real SWIFT code says nothing about who owns the account.

Before paying, confirm changed bank details through a phone call. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. Acted too fast? Call your bank without delay and ask them to try to recall the payment; also report it to the police.

Fraud also target the receiver. Someone sends too much and asks you to return the difference. Wait until the money is actually in your account.

Paying someone abroad from your Axa Banque SA account

What you pay for an international transfer is made up of several parts, and the transfer fee is only the most visible one. On top of the transfer fee, banks in between may take a cut, and when currencies are converted, the bank usually applies a rate below the real market rate.

Banks rarely show their exchange rate markup as a cost, but you pay it all the same. Check the rate you are offered with the mid-market rate. The difference is your real conversion cost.

For a lot of routes, a specialist provider turns out to be less expensive than a traditional bank transfer. On GoldexPay you can compare what recipients receive with different services, so you can pick the cheapest route. You can always use your account at Axa Banque SA; only the conversion and sending happen elsewhere.

Euro (EUR) and conversion costs

Accounts at Axa Banque SA are typically held in EUR, the local currency. If you send money in a different currency, the amount has to be converted at some point: by your bank, an intermediary or Axa Banque SA itself. Every conversion eats into the amount – usually through the rate rather than a fee.

Where the conversion happens affects how much arrives. Compare how much EUR the recipient gets with several providers; the difference between options can be larger than you expect.

The rate for EUR fluctuates throughout the day. On larger amounts, a seemingly small difference in the rate can be worth more than the fee.

Paying Axa Banque SA in euros within SEPA

Within the SEPA zone, euro transfers to Axa Banque SA use the same rules, so the IBAN does the job in most cases. The BIC field is often optional for those payments.

The BIC still matter for payments in other currencies. If your banking app asks for the BIC anyway, adding AXABFRPP is fine.

Euro payments within SEPA usually arrive within one business day; instant payments are faster if both banks offer them. Provided no currency is converted, the transfer tends to be inexpensive; costs rise once a conversion is involved.

Which of the 2 codes of Axa Banque SA do you need?

With 2 codes in 2 locations, Axa Banque SA is one of the banks that use separate codes for branches and departments. The head office code is AXABFRPPXXX.

For the vast majority of payments to a private or business account, the head office code AXABFRPPXXX works fine. A branch code only makes sense when the account holder specifically mentions it.

The safest route is to take the code straight from the recipient’s invoice. Codes for branches are more prone to change than AXABFRPPXXX when a bank merges or closes offices.