Banque Delubac et Cie SWIFT/BIC code

Banque Delubac et Cie SWIFT code: DELUFR22

DELUFR22 and DELUFR22XXX are the short and the long form of the same bank identifier, and both lead to Banque Delubac et Cie in Le Cheylard. Banks worldwide use these codes to direct payments between countries to the correct institution. It comes up mostly when dealing with payments that cross a border and payments in foreign currencies.

This page is meant to help people who pays into an account at Banque Delubac et Cie without mistakes. The BIC identifies an institution, not a single account, which is why you always need the account number too.

How up to date is this code?

The details on this page are taken from public sources which we refresh regularly. It is possible that a code on this page is no longer current. The number of codes on this page reflect our own data and not on information from Banque Delubac et Cie itself.

Before any payment that matters, confirm the BIC with Banque Delubac et Cie or the recipient. GoldexPay has no connection to Banque Delubac et Cie; we are a comparison site for money transfers. Should you notice a mistake, we welcome a message.

Incoming international payments to Banque Delubac et Cie

Someone abroad who wants to pay you will ask for a few details about your account. Give them your name as the bank knows it, the IBAN or account number, SWIFT code DELUFR22XXX and your address, which some banks require.

Some sending banks also ask for the name and address of Banque Delubac et Cie; it does no harm to include it. Check each detail before you share them.

Expect that the incoming amount is below what the sender paid. Correspondent banks can take a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate comes on top. Agree with the sender who pays which costs before the money is sent.

How to check DELUFR22 before you pay

Ask the recipient to send you their bank details directly from their online banking. Check that code with DELUFR22 on this page; if they differ, ask before you pay.

If the code is wrong, the transfer might be delayed, be returned or end up costing more – sometimes after weeks of searching. A mistake in the account number can be a bigger problem because it can reach the wrong person.

An automatic check by your bank merely tells you that the code is valid – not that it belongs to the person you mean to pay. If your bank offers it, a payee name check before sending gives extra certainty. When you pay someone new, some people start with a small test amount.

Which of the 2 codes of Banque Delubac et Cie do you need?

Banque Delubac et Cie uses 2 separate SWIFT/BIC codes. One of them is the head office code; the others belong to branches.

If nobody asks you for a branch code, use DELUFR22XXX. A branch code only makes sense when the account holder specifically mentions it.

The best way is to copy the code directly from the recipient’s bank details. Codes for branches are more prone to change than DELUFR22XXX.

The Euro and what conversion costs you

Accounts at Banque Delubac et Cie are typically held in EUR, the national currency of France. A payment in a foreign currency is converted into EUR – and the bank that does it picks the rate. You rarely see a separate charge for that conversion – the cost sits in the rate.

Where the conversion happens has an effect on how much arrives. In many cases you pay less to send EUR straight away via a transfer service that converts near the mid-market rate.

The rate for EUR changes constantly and quotes are often valid only for a short time. If you pay regularly, small differences in the rate make a real difference over a year.

SEPA payments and the Banque Delubac et Cie BIC

Because France is in SEPA, a euro transfer into Banque Delubac et Cie from another SEPA country usually requires just an IBAN. Many banks no longer ask for the BIC for these payments.

You still need DELUFR22XXX for payments in other currencies or transfers from countries outside SEPA. If a payment form asks for the BIC anyway, entering DELUFR22 is fine.

SEPA transfers normally land within one business day; instant payments are faster if both banks offer them. Provided no currency is converted, a SEPA transfer is cheap; costs rise once a conversion is involved.

Why Banque Delubac et Cie has an 8- and an 11-character code

Each SWIFT/BIC code starts with an 8-character core: a four-letter bank code, a two-letter country code and a two-character location code. In this case, the 8-character core is DELUFR22.

XXX at the end of DELUFR22XXX does not stand for a placeholder or an error: it stands for the head office of Banque Delubac et Cie. Certain payment forms ask for 11 characters, and then you simply enter XXX behind DELUFR22.

In practice the code is typed in capitals, without spaces or dashes. Pasting the code beats typing it by hand.

Sending money abroad from Banque Delubac et Cie

An international bank payment can cost more than the listed fee. There is the transfer fee, sometimes charges from correspondent banks in between and, most importantly, the margin on the exchange rate if the currency changes.

The real cost is often in the rate, not in the fee: the bank converts at a rate with a margin built in. An easy check: set the rate you get against the mid-market rate and work out the difference on your amount.

For a lot of currency pairs, a specialist provider turns out to be cheaper than a traditional bank transfer, mainly because of the exchange rate. Next time you send money, take a minute comparing what arrives via GoldexPay rather than accepting the bank’s rate by default. You can always keep your account at Banque Delubac et Cie to fund the transfer, while a cheaper service handles the conversion.

Scams that use SWIFT codes

Criminals often send fake invoices containing new bank details, sometimes in an email that looks completely genuine. A valid SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Always confirm changed bank details by phone on a number you know, not one from the message. 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 have them try to recall the payment; also report it to the police.

Scams also target the receiver: someone sends too much and asks you to return the difference via a different route. Wait until the money has really arrived – ask Banque Delubac et Cie if something looks wrong.

How long does an international transfer to Banque Delubac et Cie take?

How fast a transfer arrives at Banque Delubac et Cie depends on a few things: which currency you send, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Transfers sent late in the day or on a weekend or public holiday usually go out a business day later. Extra checks on larger or unusual payments can also add a delay, regardless of the details.

Many banks are connected to SWIFT gpi. Each payment gets a unique transaction reference, the UETR that banks can use to trace it. Save your transfer receipt until the recipient confirms.

If the money does not arrive within the expected time, the sender should contact their own bank rather than Banque Delubac et Cie. Ask the sender for the payment receipt with the date and reference.