Boissiere Finance SWIFT/BIC code

Boissiere Finance SWIFT code: SCHNFR22

The short code SCHNFR22 and the full code SCHNFR22XXX refer to the same bank: Boissiere Finance, with its head office in Rueil Malmaison. A SWIFT code shows every bank in the chain which institution is meant to get the money, much like a postcode for banks. In practice you usually come across it on invoices from abroad, in payment forms and in the bank details that Boissiere Finance provides.

On this page you can read how the code is put together, when you need it and what else a transfer to or from Boissiere Finance requires. Keep in mind that the SWIFT code only identifies the bank, not the person: the IBAN or account number does that part.

Changed bank details? Be careful

Stay wary when a contact suddenly wants you to send money to another account abroad. The fact that SCHNFR22 exists is no guarantee that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Before paying, verify a change of bank details through a phone call, using a number you already had. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. Already paid? Contact your bank straight away and have them start a recall; also report it to the police.

Recipients are targeted too: one known trick is an overpayment and then sends a request to refund the difference to another account. A screenshot of a transfer is no proof; only your own account shows what has arrived.

Sending money abroad from Boissiere Finance

If you send money to another country from Boissiere Finance, the visible fee is only part of what you pay. Besides the transfer fee, banks in between can deduct a fee, and if the money changes currency the bank often uses a rate that is less favourable than the real market rate.

Many banks do not show the margin on the rate as a cost, but you pay it all the same. An easy check: set the rate you get against the mid-market rate and look at the difference.

Money transfer services often offer rates closer to the mid-market rate and lower fees. Next time you send money, it is worth comparing the total cost on GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not require leaving Boissiere Finance: you simply pay the service from your account.

Tracking a transfer to or from Boissiere Finance

An international transfer typically needs one to a few business days – it depends on currency, route and the banks in between. Transfers sent late in the day or just before a weekend or public holiday often start a business day later. Extra checks on larger or unusual payments may also cause a delay, even when all details are correct.

A growing number of banks use SWIFT gpi. Each payment carries a unique reference, the UETR that banks can use to trace it. Keep the payment confirmation until the recipient confirms; it contains the details a bank needs to start a trace.

A missing payment has to be investigated from the sending side. On the receiving end, it helps to look at your statements for a slightly lower amount, since fees may have been deducted.

Do you need SCHNFR22 for a SEPA transfer?

France is part of the Single Euro Payments Area (SEPA), where euro transfers follow common rules. For a regular euro transfer within SEPA, the IBAN is usually enough; many banks no longer ask for the BIC.

Outside the euro and for senders outside SEPA, SCHNFR22XXX is still required. If your banking app asks for the BIC anyway, entering SCHNFR22 does no harm.

Instant payments in euros have become increasingly available within SEPA. Provided the payment stays in euros, the transfer is cheap; costs rise once a conversion is involved.

Which of the 2 codes of Boissiere Finance do you need?

Having 2 codes in 1 cities, Boissiere Finance is one of the banks that use separate codes for branches. The head office code is SCHNFR22XXX.

Unless the recipient tells you otherwise, go with SCHNFR22XXX. If you have been given a branch code, use it as it is rather than swapping it for the head office code.

Unsure which code to use? Ask the recipient or the bank itself. Codes are sometimes changed or retired over time.

Receiving money from abroad at Boissiere Finance

To receive a transfer from abroad at Boissiere Finance, the person paying you needs not just the SWIFT code. What they need is: your name, IBAN or account number, SCHNFR22XXX or SCHNFR22 and, for some countries, your postal address.

Certain sending banks also ask for the name and address of Boissiere Finance, so keep it at hand. A typo in your account number is more trouble than you might think, so copy the details from your online banking.

An incoming payment does not always land for the full amount. Fees for incoming transfers differ from bank to bank – the price list of Boissiere Finance tells you what applies. On invoices, you can agree how the fees are split, so that nobody is left short.

Is SCHNFR22 still correct? How to check

Have the recipient send you the account details straight from a recent statement. When the code you were given differs from SCHNFR22 or SCHNFR22XXX, stop and ask.

If the code is wrong, the transfer may get stuck, bounce back or cost extra – sometimes after weeks of searching. An error in the IBAN or account number can be a bigger problem, because the money may be credited to someone else; check it just as carefully.

Most online banking apps check the structure of an IBAN and sometimes look up the BIC automatically – that confirms the format, not the owner. Where available, a name check before sending gives extra certainty. For a first payment, some people send a small amount first.

How up to date is this code?

The details here come from public sources which we refresh regularly. It is possible that information on this page is no longer current. The figures on this page reflect our own data and not on information from Boissiere Finance itself.

See our directory on this page as a helpful check. We are a comparison site and not part of Boissiere Finance. Found an error? Let us know through the contact page.

Sending EUR to Boissiere Finance

The local currency in France is the Euro (EUR). When you pay money in a different currency it has to be converted at some point. There is rarely a separate charge for the conversion; it is built into the rate.

Who does the conversion has an effect on how much arrives. Compare what EUR arrives via different providers before choosing one.

Rates for EUR change all the time, and some providers let you lock in a rate. With bigger transfers, a small gap in the rate can be worth more than the fee.

Why Boissiere Finance has an 8- and an 11-character code

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. Together, those parts form SCHNFR22, the code most people search for.

The full version has three more characters that identify a branch or department. If the last three are XXX, they simply mean the head office.

As a rule the code is typed in capitals, without spaces or dashes. Look out for the letter O and the digit 0 and I versus 1, a common source of typos.