Axa France Vie SA SWIFT/BIC code

What AXFVFRP1 means for a payment to Axa France Vie SA

The short code AXFVFRP1 and the 11-character code AXFVFRP1XXX refer to the same bank: Axa France Vie SA, with its head office in Paris. Every bank on the SWIFT network uses these codes to route payments between countries to the right institution. It comes up mostly when dealing with payments that cross a border.

Further down you will find the practical questions: money coming in from abroad, paying someone in another country and how to verify the code before you hit send. The BIC identifies an institution, never a single account; the IBAN or account number does that.

How up to date is this code?

We collect SWIFT/BIC codes using publicly available data and check our list regularly. Still, banks merge, rename themselves or change codes and our data may lag behind. Counts and locations come from our own dataset and are not confirmed by Axa France Vie SA.

Before a payment that matters, check the BIC with the recipient’s bank or with the recipient. We are an independent comparison service and not affiliated with Axa France Vie SA. Spotted an error? Tell us through the contact page.

AXFVFRP1 or AXFVFRP1XXX – which one to use?

Every SWIFT/BIC code has an 8-character core: four letters for the bank, two letters for the country and two characters for the location. The result is AXFVFRP1.

XXX at the end of AXFVFRP1XXX is not a missing value or a mistake: it stands for the head office of Axa France Vie SA. Some banking apps insist on 11 characters, and then you can add XXX after AXFVFRP1.

Enter the code in one piece, in upper case and without spaces. Pasting the code beats retyping it: a typo can point to another bank.

What a transfer from Axa France Vie SA abroad really costs

If you transfer money abroad from Axa France Vie SA, the fee you see is rarely all of the cost. Besides the transfer fee, correspondent or intermediary banks may take a cut, and when the money changes currency, the bank often applies a rate that is less favourable than the actual market rate.

Many banks rarely list the margin on the rate separately, but you pay it all the same. Compare their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

Specialised transfer providers frequently offer a rate near the mid-market rate. Before your next transfer, take a minute comparing the total cost on GoldexPay rather than accepting the bank’s rate by default. You can always keep your account at Axa France Vie SA as the source of the money, while a cheaper service handles the conversion.

Euro transfers to Axa France Vie SA: is a BIC needed?

France belongs to the SEPA area, the zone for standardised euro payments. When you send euros within SEPA, you normally only need the IBAN; many banks no longer ask for the BIC.

You still need AXFVFRP1XXX for non-euro payments or money from outside the SEPA area. If your banking app asks for the BIC anyway, adding AXFVFRP1 does no harm.

Instant payments in euros are widely available across SEPA. Charges on SEPA transfers tend to be low as long as everything stays in euros.

Receiving money from abroad at Axa France Vie SA

A sender in another country will ask for a few details about your account – incomplete details often cause delays. Give them your name as the bank knows it, the IBAN or account number, SWIFT code AXFVFRP1XXX and your address.

You can add Axa France Vie SA and its city as well. A typo in your account number is more trouble than it looks.

Money from abroad does not always arrive in full. Correspondent banks can take a fee, and when currencies differ, a markup on the rate applies. For business payments, you can agree who bears the costs to avoid a shortfall.

When will the money arrive at Axa France Vie SA?

There is no single answer: many land the same day or the next while others need several business days. Weekends and public holidays in either country add a day or more, since banks do not process on those days. Extra checks by one of the banks can also add a delay.

When a payment takes longer than expected, contact your bank about the status or the UETR. Save your transfer receipt.

Only the sending bank is able to start an official trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, you can check your account to see a partial amount because fees can reduce the amount.

Axa France Vie SA: head office code versus branch codes

Axa France Vie SA has 2 different SWIFT/BIC codes across 1 cities. Only one is the head office code, AXFVFRP1XXX; the rest identify branches, and sometimes internal departments.

If nobody asks you for a branch code, use AXFVFRP1XXX. If you have been given a branch code, stick to it rather than swapping it with the head office code.

If you are not sure, check with the recipient which code their bank gave them. Codes for branches are more prone to be retired than AXFVFRP1XXX.

Is AXFVFRP1 still correct? How to check

The best place to find the right code is a document from the bank itself like a bank statement or the account page in online banking. If the code you have does not match AXFVFRP1 or AXFVFRP1XXX, stop and ask: check with the recipient or with Axa France Vie SA directly.

With a wrong code, the payment might be delayed, bounce back or cost extra, and tracing it can take weeks. Remember the IBAN: an error there can be harder to undo than a wrong BIC.

A format check by your bank only tells you that the IBAN is valid. If your bank offers it, a name check on the recipient adds extra certainty. When you pay someone new, many people send a small test amount and wait for confirmation.

Changed bank details? Be careful

A common scam goes like this: you receive a message saying that a contact now has a new bank account. A correct SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Do not trust contact details from the same email that announces 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 try to recall the payment and report the fraud.

Recipients are targeted too: a classic trick is a buyer who pays too much and then sends a request to refund the difference to another account. A payment confirmation from the sender is no proof; only your own account shows what has arrived.

Euro (EUR) and conversion costs

France pays in the Euro (EUR). When you pay another currency, the amount has to be converted somewhere along the way: by your bank, an intermediary or Axa France Vie SA itself. You rarely see a separate charge for that conversion.

Who converts the money matters: every bank has its own margin. Sending the money already in EUR usually avoids an extra conversion.

Rates for EUR move during the day, and some providers let you lock in a rate. For recurring payments, small differences in the rate make a real difference over a year.