Caceis Bank SWIFT/BIC code

ISAEFRPP – the SWIFT/BIC code of Caceis Bank

Whether you are given ISAEFRPP or ISAEFRPPXXX, you are looking at the identical identifier for Caceis Bank in France. The code has a single purpose: it makes sure that money from abroad reaches the right bank. It comes up mostly when dealing with payments that cross a border or a currency.

We wrote this page to help anyone who receives money at an account at Caceis Bank without mistakes. Keep in mind that the BIC only identifies the bank, not the account: the IBAN or account number does that part.

Choosing between the 34 SWIFT codes of Caceis Bank

Caceis Bank uses 34 separate SWIFT/BIC codes across 1 cities. One of them is the head office code, ISAEFRPPXXX; the rest belong to branches, and sometimes specific services.

Unless the recipient tells you otherwise, go with ISAEFRPPXXX. A branch code only makes sense if the account holder specifically mentions it.

Unsure which code to use? Check with the recipient or the bank itself. Codes for branches are more prone to change than the head office code.

Transfer times and tracking a payment to Caceis Bank

How fast a transfer arrives at Caceis Bank depends on a few things: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Transfers sent after the cut-off time or on weekends and holidays usually go out a business day later. Compliance checks on larger or unusual payments can also cause some delay, regardless of the details.

When a payment takes longer than expected, ask the sending bank about the tracking status or the UETR. Keep your transfer receipt; it contains the details a bank needs to start a trace.

A missing payment has to be traced from the sending side. Request from the sender the payment receipt including the reference; that often settles the question quickly.

Sending EUR to Caceis Bank

France uses the Euro (EUR). A payment in a foreign currency will be converted into EUR on its way to Caceis Bank. Every conversion eats into the amount.

Which bank converts the payment makes a difference: every bank has its own margin. Compare how much EUR arrives via different services; the difference between options can be larger than you expect.

Rates for EUR move during the day, and some providers let you lock in a rate. For regular payments, a slightly better rate add up over a year.

What to give a sender who pays you at Caceis Bank

A sender in another country needs several details about your account, and missing ones are a common cause of delays. The basics are: your name, account number or IBAN, ISAEFRPPXXX or ISAEFRPP and, for some countries, your home address.

Some sending banks want the name and address of Caceis Bank; it does no harm to include it. Check each detail before you share them – a sender rarely spots a mistake in someone else’s details.

An incoming payment will not always arrive for the full amount. Correspondent banks can take a fee, and if the money is converted, a markup on the rate comes on top. Make clear with the sender who pays which costs.

Do you need ISAEFRPP for a SEPA transfer?

France is part of the SEPA area, where euro transfers follow common rules. For a standard euro transfer from another SEPA country, the IBAN is usually enough and the BIC is often filled in automatically.

The BIC does matter when the currency is not euros, and for transfers from outside SEPA. Some banks and apps still show a field for the BIC; if so, fill in ISAEFRPP or ISAEFRPPXXX.

SEPA transfers normally land by the next business day; instant payments are faster if both banks offer them. Fees for SEPA transfers tend to be low as long as everything stays in euros.

ISAEFRPP or ISAEFRPPXXX – which one to use?

The layout of every SWIFT code never changes: a bank code of four letters, two for the country and two for the location. In this case, the 8-character core is ISAEFRPP.

The 11-character version adds three more characters for a branch or department. When those three characters are XXX, they simply mean the head office, so ISAEFRPPXXX and ISAEFRPP are interchangeable.

As a rule the code is typed in capitals, without spaces or dashes. A single character can send the money to another bank, so check it twice.

What a transfer from Caceis Bank abroad really costs

An international bank payment costs more than the fee suggests. On top of a fixed fee, banks in between can take a cut, and if currencies are converted the bank often applies a rate below the actual market rate.

The real cost is often in the rate, not in the fee: the bank converts using an exchange rate that includes a margin. An easy check: put the rate you get against the mid-market rate for the same moment and look at the difference.

For many currency pairs, a transfer service turns out to be less expensive than a bank, mainly because of the exchange rate. GoldexPay compares the amount that arrives with different providers, which makes the cheapest option easy to spot. Choosing a specialist does not mean leaving Caceis Bank – you pay the provider from your own account.

Verifying the SWIFT code of Caceis Bank

The best place to find the right code remains paperwork issued by the bank. Check it against ISAEFRPP here; if they differ, ask before you pay.

A wrong SWIFT code can cause a delay, a payment being sent back or extra fees. An error in the IBAN or account number is more serious, so check that just as carefully.

Most online banking apps check the format of an IBAN and some suggest the matching BIC – that confirms the format, not the owner. More and more banks compare the payee name with the account before you confirm – do not ignore a mismatch warning. Sending a small amount first can be worth it for large sums despite the extra fee.

Scams that use SWIFT codes

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

Never rely on a phone number from the same email that contains the new account. Watch out for time pressure, odd spelling or an email address that differs by one letter. Acted too fast? Call the bank you paid from straight away and have them try to recall the payment.

People receiving money 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.

Where our SWIFT data comes from

The directory on GoldexPay is based on public sources and is updated regularly. Still, banks merge or retire codes and our data may lag behind. The number of codes on this page reflect what is in our directory and not on information from Caceis Bank itself.

Use this page as a reference, rather than as the final word. GoldexPay is independent of Caceis Bank. Should you notice a mistake, we appreciate a short note.