Banco Santander S.A. SWIFT/BIC code

SWIFT/BIC code of Banco Santander S.A.

BSCHFRPP and BSCHFRPPXXX are two spellings of the same bank identifier, and both lead to Banco Santander S.A. in Paris. Every bank on the SWIFT network uses BIC codes to route international transfers to the right institution. In daily life you usually come across the code on international invoices, in payment forms and in the bank details that Banco Santander S.A. provides.

On this page you will find what the code is put together, when you need it and which other details you need for a transfer to or from Banco Santander S.A.. A SWIFT code identifies an institution, never a specific account, which is why you always need the account number too.

8 or 11 characters: BSCHFRPP versus BSCHFRPPXXX

The structure of a BIC never changes: a bank code of four letters, two for the country and two for the location, sometimes followed by a branch code. Together, those parts make up BSCHFRPP – the version you usually see online.

XXX at the end of BSCHFRPPXXX is not a missing value or an error: it stands for the main office of Banco Santander S.A.. Some forms ask for 11 characters, in which case you can enter XXX after BSCHFRPP.

Do not add spaces or dashes when you enter BSCHFRPP or BSCHFRPPXXX. Pasting the code is safer than typing it by hand.

Tracking a transfer to or from Banco Santander S.A.

How fast a transfer arrives at Banco Santander S.A. is determined by several factors: the currency, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Transfers sent after the cut-off time or just before a weekend or public holiday often start a business day later. Sometimes a bank asks about the purpose of a payment before releasing it.

When a payment takes longer than expected, contact your bank about the tracking status or the UETR; with that reference banks can see where the payment is. Money transfer services usually show a status online showing where the payment has got.

A missing payment has to be investigated by the sending bank. Request from the sender a copy of the payment confirmation including the reference; that often settles the question quickly.

Incoming international payments to Banco Santander S.A.

A sender in another country will ask for a few details about your account. What they need is: your name, IBAN or account number, BSCHFRPPXXX or BSCHFRPP and often your postal address.

Some sending banks also ask for the address of Banco Santander S.A. in Paris; it does no harm to include it. A mistake in your account number can be harder to fix than you might think.

What lands in your account is often less than what was sent. Fees for incoming transfers differ per bank – the price list of Banco Santander S.A. tells you what applies. Make clear with the sender who covers the fees.

SEPA payments and the Banco Santander S.A. BIC

France is part of the Single Euro Payments Area (SEPA). When you send euros within SEPA, you normally only need the IBAN.

A SWIFT code like BSCHFRPP still come into play for payments in other currencies and when the money comes from outside SEPA. Some banks and apps still show a field for the BIC out of habit; if so, enter BSCHFRPP or BSCHFRPPXXX.

Instant payments in euros have become widely supported across SEPA; check with Banco Santander S.A. whether it applies to your account. Charges on SEPA transfers tend to be low, as long as no currency conversion is involved.

How to check BSCHFRPP before you pay

The most reliable source for a SWIFT code is the recipient’s own bank details. If the code you have differs from BSCHFRPP or BSCHFRPPXXX, stop and ask: check with the recipient or with Banco Santander S.A. directly.

Mistakes in the BIC tend to be costly more than fatal. Remember the account number: an error there is more difficult to correct than a wrong BIC.

An automatic check in your banking app merely confirms that the code exists – not that it belongs to the person you mean to pay. More and more banks compare the payee name with the account before you confirm. When you pay someone new, many people send a small amount first.

Which of the 2 codes of Banco Santander S.A. do you need?

We have 2 SWIFT/BIC codes for Banco Santander S.A. in 1 places. Next to the head office code BSCHFRPPXXX, there are codes for individual branches and departments.

For the vast majority of payments to a private or business account, the head office code BSCHFRPPXXX is the right choice. Branch codes are only needed when the recipient’s bank explicitly mentions it, which is more common for corporate accounts and specialised services.

If you are not sure, check with the recipient for the exact BIC in their bank details. Codes can change over time.

Sending money abroad from Banco Santander S.A.

What you pay for a payment abroad is made up of several parts, and the transfer fee is only the most visible one. There is the fee for the transfer itself, possibly fees charged by intermediary banks in between and, above all, the exchange rate markup if the currency changes.

The markup on the rate is often the biggest cost because it is hidden in the rate. Compare the rate you are offered against the mid-market rate. The difference is your real conversion cost.

For a lot of currency pairs, a transfer service is cheaper than a traditional bank transfer – mostly thanks to the rate. On GoldexPay you can compare what recipients receive across services, which makes the cheapest option easy to spot. You can always use your account at Banco Santander S.A. to fund the transfer, while a cheaper service handles the conversion.

About this information

The details here are taken from public sources that we update regularly. Institutions merge, change names and retire codes, and a directory never catches every change immediately. The number of codes we show reflect our own data, not official figures from Banco Santander S.A..

See our directory here as a handy check. We are an independent comparison service for money transfers and not affiliated with Banco Santander S.A.. If you notice something that is out of date, we appreciate a short note.

Protect yourself against fake payment requests

Be alert when someone unexpectedly wants you to send money to a different account abroad. A valid SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Do not rely on contact details from the same email that announces the new account. Urgency or requests to keep it quiet are warning signs; a genuine business can wait for you to check. When money was sent to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Scams can also target the receiver: someone sends too much and wants you to refund the extra via a different route. Wait until the money has really arrived – ask Banco Santander S.A. if something looks wrong.

Paying into Banco Santander S.A. in EUR

The national currency in France is the Euro (EUR). If you send another currency it has to be converted somewhere along the way: by your bank, an intermediary or Banco Santander S.A. itself. There is rarely a separate charge for the conversion – the cost sits in the rate.

Who converts the payment makes a difference, because each party uses its own rate. Check how much EUR the recipient gets via several services.

The rate for EUR changes throughout the day and quotes are often valid only for a short time. If you pay regularly, a slightly better rate make a real difference over time.