Banque Espirito Santo et de la Venetie SWIFT/BIC code

What BESVFRPP means for a payment to Banque Espirito Santo et de la Venetie

Whether a recipient gives you BESVFRPP or BESVFRPPXXX, you are looking at the identical address for Banque Espirito Santo et de la Venetie in France. A SWIFT code tells every bank in the chain exactly which bank should receive the money, a bit like a postal address for banks. You will need it mainly for transfers between countries.

On this page we explain how the code means, when you need it and what else a transfer to or from Banque Espirito Santo et de la Venetie requires. The SWIFT code on its own does not identify a personal account; for that you need the IBAN or account number .

8 or 11 characters: BESVFRPP versus BESVFRPPXXX

The layout of a BIC is always the same: four characters for the institution, a two-letter country code and a two-character location code, sometimes followed by a branch code. Combined, these eight characters form BESVFRPP, the code most people search for.

Many payment forms accept both lengths. If a form asks for eleven characters, use BESVFRPPXXX; if it wants eight, use BESVFRPP.

In practice the code is typed in capitals and without spaces. Look out for O versus 0 or the letter I and the digit 1.

Protect yourself against fake payment requests

Fraudsters often send payment requests with changed bank details, sometimes in an email that looks completely genuine. A valid SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Check new payment details via a different channel, such as a phone number you already know. Watch out for urgent requests, unusual wording or an email address that differs by one letter. If money was sent to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

Recipients are targeted too: a classic trick is an overpayment followed by a request to refund the difference to another account. Do not act before the money is actually in your account.

SEPA payments and the Banque Espirito Santo et de la Venetie BIC

Because France is part of SEPA, a euro payment into Banque Espirito Santo et de la Venetie from another SEPA country normally requires just an IBAN. Most banking apps do not require the BIC for these payments.

The BIC still come into play when the currency is not euros and when the money comes from outside SEPA. A few forms still ask for the BIC out of habit; if so, fill in BESVFRPP or BESVFRPPXXX.

Euro payments within SEPA usually arrive by the next business day, and instant transfers in seconds where both banks support them. Charges on SEPA payments tend to be low.

Transfer times and tracking a payment to Banque Espirito Santo et de la Venetie

There is no fixed delivery time for international payments: many land within a day. Bank holidays in either country can add extra days. Occasionally a bank wants to know about the purpose of a payment, which can hold things up.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every payment gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Specialist transfer services often provide a status online showing where the payment is.

If the money does not arrive within the expected time, the person who paid should contact the bank that sent it rather than Banque Espirito Santo et de la Venetie. As a recipient, you can check your account to see a slightly lower amount, since fees may have been deducted.

Getting paid from abroad into a Banque Espirito Santo et de la Venetie account

When you are waiting for money from abroad, give the sender all details at once. What they need is: the account holder’s name, account number or IBAN, BESVFRPPXXX or BESVFRPP and, for some countries, your postal address.

The sender’s bank may also ask for the bank address of Banque Espirito Santo et de la Venetie; the head office in Paris is usually fine. Double-check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

Money from abroad will not always land for the full amount. Charges on incoming payments differ from bank to bank. For business payments, you can state who bears the costs, so that nobody is left short.

Where our SWIFT data comes from

The directory on GoldexPay draws on public sources. Still, banks merge, rename themselves or retire codes. Figures such as the number of codes are from our directory and are not confirmed by Banque Espirito Santo et de la Venetie.

See our directory on this page as a helpful check. GoldexPay is independent of Banque Espirito Santo et de la Venetie. If you notice something that is out of date, we appreciate a message via the contact page.

Euro (EUR) and conversion costs

The currency of France is the Euro (EUR). When you pay money in a different currency has to be converted somewhere along the way: by your bank, an intermediary or Banque Espirito Santo et de la Venetie itself. Every conversion costs the amount.

Who does the conversion has an effect on how much arrives. Transferring the money directly in EUR often prevents a second conversion by Banque Espirito Santo et de la Venetie.

Rates for EUR move during the day – some services let you fix a rate in advance. On larger amounts, a seemingly small gap in the rate adds up quickly.

What a transfer from Banque Espirito Santo et de la Venetie abroad really costs

An international bank payment costs more than the fee suggests. On top of a fixed fee, banks in between can deduct a fee, and when currencies are converted the bank often applies a rate that is less favourable than the actual market rate.

Most of the cost usually sits in the exchange rate, not in the fee: many banks convert at a rate with a margin built in. Compare the rate you are offered against the mid-market rate. The difference is your real conversion cost.

Specialist money transfer services often offer rates closer to the mid-market rate. Before your next transfer, take a minute to compare the total cost on GoldexPay instead of going straight to your bank. You can still use your account at Banque Espirito Santo et de la Venetie to fund the transfer; only the conversion and sending happen elsewhere.

Choosing between the 2 SWIFT codes of Banque Espirito Santo et de la Venetie

Having 2 codes, Banque Espirito Santo et de la Venetie is one of the banks that use individual codes for parts of the organisation and departments. The head office code remains BESVFRPPXXX.

Unless the recipient tells you otherwise, go with BESVFRPPXXX. If you have been given a branch code, stick to it instead of swapping it for the head office code.

The safest approach is to take the code straight from the account holder’s bank details. Branch codes can change when banks reorganise, so do not rely on old paperwork.

Verifying the SWIFT code of Banque Espirito Santo et de la Venetie

The most reliable place for the right code is paperwork issued by the bank. When the code you were given does not match BESVFRPP or BESVFRPPXXX, do not guess – contact the recipient or Banque Espirito Santo et de la Venetie.

Errors in the BIC tend to be costly more than disastrous. An error in the IBAN or account number is more serious, so check that just as carefully.

Most online banking apps validate the format of an IBAN and sometimes look up the BIC automatically. If your bank offers it, a payee name check before sending gives an extra layer of safety. When you pay someone new, some people start with a small test amount before sending the rest.