Banque Francaise Mutualiste SWIFT/BIC code

What FEMBFRP1 means for a payment to Banque Francaise Mutualiste

FEMBFRP1 and FEMBFRP1XXX are two ways of writing the same bank identifier, and both point to Banque Francaise Mutualiste in Charenton le Pont. A BIC has a single purpose: it ensures that an international payment ends up at the right bank. You will need it mostly for payments that cross a border and payments in foreign currencies.

This page is meant to help people who sends money to an account at Banque Francaise Mutualiste without mistakes. The BIC identifies a bank or branch, never a single account.

About this information

We gather bank codes using publicly available data and check our list from time to time. Even so, banks merge or change codes, so information can be out of date. Counts and locations come from our own dataset and may differ from what Banque Francaise Mutualiste publishes.

See the information on this page as a helpful check, and let the details from the recipient or Banque Francaise Mutualiste have the final say. We are a comparison service for money transfers and not part of Banque Francaise Mutualiste. Spotted outdated information? Tell us via our contact form and we will look into it.

What a transfer from Banque Francaise Mutualiste abroad really costs

What you pay for an international transfer is made up of several parts. On top of the transfer fee, correspondent or intermediary banks can deduct a fee, and if the money changes currency, the bank often applies a rate below the real market rate.

Most of the cost usually sits in the exchange rate, not in the fee: many banks convert using an exchange rate that includes a margin. A simple test: put the rate you get against the mid-market rate for the same moment and look at the difference.

Specialist money transfer services frequently offer rates closer to the mid-market rate with clearer fees. Before your next transfer, take a minute to compare the total cost via GoldexPay rather than accepting the bank’s rate by default. You can always use your account at Banque Francaise Mutualiste.

Protect yourself against fake payment requests

One of the most common tricks goes like this: an email arrives with a request claiming that a supplier has a new bank account. The fact that FEMBFRP1 exists is no guarantee that the account is genuine; criminals use the codes of real banks too.

Always verify a change of bank details by phone, using a number you already had. Pressure or secrecy are warning signs. When a payment was sent to the wrong account, call your bank right away – speed improves the chance of getting it back.

Fraud also target the receiver. Someone claims to have sent more than agreed and asks you to refund the extra to a new account. Do not act before the money is actually in your account – ask Banque Francaise Mutualiste if something looks wrong.

Why Banque Francaise Mutualiste has an 8- and an 11-character code

The layout of every SWIFT code never changes: four characters for the institution, a two-letter country code and a two-character location code, plus an optional branch code. Together, those parts make up FEMBFRP1.

XXX at the end of FEMBFRP1XXX is not a missing value or an error: it stands for the head office of Banque Francaise Mutualiste. Some banking apps ask for 11 characters, in which case you can enter XXX after FEMBFRP1.

Leave out spaces, dots when you enter FEMBFRP1. A single letter may route a payment to a different institution, so copy it carefully.

Transfer times and tracking a payment to Banque Francaise Mutualiste

An international transfer typically takes one to a few business days, depending on the currency, the route and the banks involved. Transfers sent after the cut-off time or on weekends and holidays often start a business day later. Occasionally a bank asks what the payment is for.

Many banks are connected to SWIFT gpi for faster and traceable payments. Each gpi transfer carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Specialist transfer services often provide a status in their app so you can see how far the money is.

If a payment has not arrived after a few business days, the sender should contact the bank that sent it. Request from the sender the payment receipt with the date and reference; that often settles the question quickly.

Receiving money from abroad at Banque Francaise Mutualiste

Someone abroad who wants to pay you needs several details from you. What they need is: your name, IBAN or account number, FEMBFRP1XXX or FEMBFRP1 and in many cases your home address.

The sender’s bank might also ask for the address of your bank; the head office in Charenton le Pont is usually fine. Check each detail before you share them, because the sender’s bank usually copies them as is.

Expect that the amount credited is smaller than the amount on the sender’s receipt. Intermediary banks may deduct a fee, Banque Francaise Mutualiste may charge for incoming payments, and if the currency changes, a markup on the rate comes on top. For business payments, you can agree who bears the costs.

Paying Banque Francaise Mutualiste in euros within SEPA

France is a member of the SEPA area, where euro transfers follow common rules. For a standard euro transfer from another SEPA country, the IBAN is usually enough; many banks no longer ask for the BIC.

A SWIFT code like FEMBFRP1 still matter when the currency is not euros. If your banking app has a field for the BIC anyway, entering FEMBFRP1 is fine.

Instant payments in euros have become widely supported within SEPA – whether Banque Francaise Mutualiste offers them for your account is worth checking. As long as no currency is converted, the transfer tends to be cheap.

Choosing between the 3 SWIFT codes of Banque Francaise Mutualiste

Our database contains 3 SWIFT/BIC codes for Banque Francaise Mutualiste, spread over 2 cities. Besides the head office code FEMBFRP1XXX, there are codes for regional offices and specialised units.

For the vast majority of payments to a private or business account, the head office code FEMBFRP1XXX is the right choice. Only use a branch code when the account holder explicitly asks for it, for example on an invoice or in their bank details.

The safest route is to take the code directly from the account holder’s statement. Codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

How to check FEMBFRP1 before you pay

The best place to find the correct BIC is paperwork issued by the bank like a bank statement or the account page in online banking. Compare it against FEMBFRP1 here and ask if anything does not match.

Errors in the SWIFT code are costly rather than fatal. Do not forget the account number: an error there is harder to correct than a wrong BIC.

A validity check by your bank merely confirms that the IBAN exists, not that it is the right account. Some banks now check the name against the account before you confirm – do not ignore a mismatch warning. Sending a small amount first is worth it for large sums.

Euro (EUR) and conversion costs

Accounts at Banque Francaise Mutualiste are typically held in EUR, the local currency. Money sent in a different currency is exchanged into EUR before it reaches the account, and whoever converts it chooses the rate. There is rarely a separate line for the conversion; it is built into the rate.

Who converts the payment makes a difference: every bank has its own margin. Compare how much EUR arrives via several services.

The rate for EUR changes constantly. For regular payments, small differences in the rate make a real difference over a year.