Caisse Centrale du Credit Immobilier de France SWIFT/BIC code

What CCIFFRC1 means for a payment to Caisse Centrale du Credit Immobilier de France

The 8-character code CCIFFRC1 and the 11-character code CCIFFRC1XXX refer to one and the same institution: Caisse Centrale du Credit Immobilier de France in Paris, France. A SWIFT code shows the sending bank exactly which bank should receive the money, much like a postcode for banks. In daily life you usually see the code on international invoices, in payment forms and in the bank details of Caisse Centrale du Credit Immobilier de France customers.

This page is meant to help anyone who pays into an account at Caisse Centrale du Credit Immobilier de France without mistakes. A SWIFT code names a bank or branch, not a specific account; the IBAN or account number does that.

Watch out for payment fraud

One of the most common tricks goes like this: an email arrives with a message saying that a contact now has new bank details and asking you to pay there from now on. A real SWIFT code says nothing about who owns the account – scammers simply use real codes.

Check new bank details via a different channel, such as a phone number you already know, not by replying to the message. Urgency and secrecy tend to be red flags; a genuine business can wait for you to check. If a payment has already gone to a fraudster, call your bank right away – speed improves the chance of getting it back.

Recipients can be targeted as well: a classic trick is an overpayment followed by a request to refund the difference. Wait until the money is actually in your account – ask Caisse Centrale du Credit Immobilier de France if something looks wrong.

Where our SWIFT data comes from

The codes here come from public sources which we refresh regularly. Institutions merge, change names and retire codes, and a directory never catches every change immediately. Counts and locations are from our directory.

For a payment that matters, always check the BIC with the recipient’s bank or with the recipient. GoldexPay is an independent comparison site for money transfers and not part of Caisse Centrale du Credit Immobilier de France. Found outdated information? Tell us via our contact form so we can correct it.

How long does an international transfer to Caisse Centrale du Credit Immobilier de France take?

An international transfer typically takes one to a few business days, depending on the currency, the route and the banks involved. Payments made late in the day or on weekends and holidays often go out a business day later. Sometimes a bank wants to know what the payment is for, which can hold things up.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Each payment gets a unique transaction reference, the UETR. Keep the payment confirmation; it contains the details a bank needs to start a trace.

A missing payment is traced from the sending side. Request from the sender a copy of the payment confirmation including the reference; that often settles the question quickly.

Sending money abroad from Caisse Centrale du Credit Immobilier de France

When you transfer money to another country through Caisse Centrale du Credit Immobilier de France, the visible fee is rarely all of what you pay. You pay the transfer fee, sometimes charges from correspondent banks in between and, most importantly, the margin on the exchange rate.

Many banks rarely show the margin on the rate separately. Compare their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

For a lot of routes, a specialist provider is less expensive than a traditional bank transfer, mainly because of the exchange rate. GoldexPay lists these services side by side so you can see the amount the recipient gets for the same amount sent. Choosing a specialist does not mean closing your account at Caisse Centrale du Credit Immobilier de France.

Euro transfers to Caisse Centrale du Credit Immobilier de France: is a BIC needed?

Since France is part of SEPA, a euro payment into Caisse Centrale du Credit Immobilier de France from another SEPA country normally only needs the IBAN. Most banking apps do not require the BIC in that case or fill it in for you.

The BIC does come into play for payments in other currencies and when the money comes from outside SEPA. If a payment form asks for the BIC regardless, adding CCIFFRC1 does no harm.

Instant payments in euros have become widely available within SEPA; check with Caisse Centrale du Credit Immobilier de France whether it applies to your account. Charges on SEPA payments are generally low.

Is CCIFFRC1 still correct? How to check

Ask the recipient to copy their bank details directly from their online banking. When the code you were given does not match CCIFFRC1 or CCIFFRC1XXX, stop and ask: check with the recipient or with Caisse Centrale du Credit Immobilier de France directly.

A wrong SWIFT code can cause delays, a payment being sent back or additional charges along the way. An error in the IBAN or account number can be more serious; check it just as carefully.

Most online banking apps validate the structure of an IBAN and some suggest the matching BIC, but that does not prove the account belongs to the right person. More and more banks check the name with the account – do not ignore a mismatch warning. Sending a small amount first can be a sensible step for large sums despite the extra fee.

Incoming international payments to Caisse Centrale du Credit Immobilier de France

A sender in another country will ask for a few details about your account. What they need is: your name, IBAN or account number, CCIFFRC1XXX and in many cases your home address.

It helps to include Caisse Centrale du Credit Immobilier de France and Paris too, because some payment forms have separate fields for them. Double-check the details before you share them, because the sender’s bank usually copies them as is.

Do not be surprised if the incoming amount is smaller than what the sender paid. Correspondent banks can take a fee, and if the currency changes, an exchange rate margin applies. Make clear with the sender who pays which costs.

Head office or branch code at Caisse Centrale du Credit Immobilier de France?

Having 2 codes, Caisse Centrale du Credit Immobilier de France belongs to the banks that use individual codes for branches. The main code is CCIFFRC1XXX.

For most incoming transfers, the head office code CCIFFRC1XXX is the right choice. If you have been given a specific code, use it as it is instead of swapping it with the head office code.

Unsure which code applies? Ask the recipient or the bank itself. Branch codes are more likely to change than CCIFFRC1XXX.

The Euro and what conversion costs you

Accounts at Caisse Centrale du Credit Immobilier de France are typically held in EUR, the national currency. When you pay another currency gets converted somewhere along the way. You rarely see a separate line for that conversion.

Who converts the money makes a difference. Compare what EUR arrives with several providers.

Rates for EUR change all the time. On larger amounts, a seemingly small difference in the rate adds up quickly.

Why Caisse Centrale du Credit Immobilier de France has an 8- and an 11-character code

The structure of every SWIFT code never changes: a bank code of four letters, two for the country and a two-character location code, plus an optional branch code. The result is CCIFFRC1, the short form of the code.

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, which is why CCIFFRC1XXX and CCIFFRC1 lead to the same place.

As a rule the code is typed in capitals. A single letter may route a payment to a different institution, so check it twice.