Caisses D'epargne-Groupe Bpce SWIFT/BIC code

Caisses D'epargne-Groupe Bpce SWIFT code: CEPAFRPP

CEPAFRPP and CEPAFRPPXXX are the short and the long form of the same bank identifier, and both lead to Caisses D'epargne-Groupe Bpce in Paris. Banks worldwide use these codes to direct international transfers to the correct bank. In daily life you usually see the code on international invoices, in your banking app and on the account details of Caisses D'epargne-Groupe Bpce customers.

Further down we go through the practical side: money coming in from abroad, paying someone in another country and how to verify the code before you hit send. Remember that the SWIFT code only identifies the bank, not the account: the account number or IBAN does that part.

Euro (EUR) and conversion costs

France uses the Euro. A payment in a foreign currency is converted into EUR before it reaches the account. Every conversion costs something – usually through the rate rather than a fee.

Where the conversion happens affects the final amount, since every bank sets its own rate. Transferring the money directly in EUR usually avoids a second conversion – as long as your own rate is good.

Rates for EUR move during the day, and some providers let you lock in a rate. If you pay regularly, small differences in the rate add up over a year.

Receiving money from abroad at Caisses D'epargne-Groupe Bpce

If you expect a payment from another country, give the sender all details at once. In practice that means: your full name as registered with Caisses D'epargne-Groupe Bpce, your account number or IBAN, the SWIFT/BIC code CEPAFRPPXXX and usually your postal address.

It helps to add the bank name and its city as well, because some payment forms have separate fields for them. Double-check the details before you share them – a sender rarely spots a mistake in someone else’s details.

Expect that the incoming amount is smaller than the amount on the sender’s receipt. Fees for incoming transfers vary from bank to bank. On invoices, it is common to agree how the fees are split.

About this information

The details here are taken from public sources that we update regularly. Still, banks merge or change codes, so information can be out of date. Figures such as the number of codes are from our directory.

See the information here as a handy check and rely on the recipient or Caisses D'epargne-Groupe Bpce for the final confirmation. GoldexPay has no connection to Caisses D'epargne-Groupe Bpce; we are a comparison site for money transfers. Found outdated information? Let us know through the contact page and we will look into it.

What the XXX in CEPAFRPPXXX means

A SWIFT code is made up of a few fixed parts: the first four letters identify the bank, the next two give the country and the two after that indicate the location. That gives you CEPAFRPP.

Many payment forms accept both lengths. If a form asks for eleven characters, enter CEPAFRPPXXX, otherwise CEPAFRPP is fine.

As a rule the code is written in capitals, without spaces or dashes. Copying the code is safer than typing it by hand: a typo can point to another bank.

Do you need CEPAFRPP for a SEPA transfer?

Because France is part of the SEPA zone, a euro transfer to Caisses D'epargne-Groupe Bpce from another SEPA country normally only needs the IBAN. Many banks no longer ask for the BIC in that case.

A SWIFT code like CEPAFRPP still matter when the currency is not euros and when the money comes from outside SEPA. If a payment form asks for the BIC anyway, adding CEPAFRPP does no harm.

Instant euro transfers have become increasingly available across SEPA; check with Caisses D'epargne-Groupe Bpce whether it applies to your account. Provided no currency is converted, a SEPA transfer tends to be inexpensive.

Protect yourself against fake payment requests

Criminals often use payment requests containing changed bank details sent from what looks like a familiar address. A correct SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Always verify changed bank details through a phone call. Watch out for urgent requests, odd spelling or an email address that differs by one letter. Already paid? Contact your bank straight away and have them start a recall and report the fraud.

Fraud can also work the other way. Someone sends more than agreed and wants you to return the extra via a different route. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

What a transfer from Caisses D'epargne-Groupe Bpce abroad really costs

What you pay for an international transfer is made up of more than one component, and the transfer fee is only the most visible one. On top of the transfer fee, banks in between can deduct a fee, and when the money changes currency, the bank often uses a rate below the actual market rate.

That exchange rate margin is often the largest cost even though it is not listed as a fee. A simple test: set the rate you get next to the mid-market rate and look at the difference.

For a lot of currency pairs, a transfer service turns out to be cheaper than a bank, mainly because of the exchange rate. GoldexPay lists these services side by side, showing the amount the recipient gets before you commit. You can still use your account at Caisses D'epargne-Groupe Bpce as the source of the money; only the conversion and sending happen elsewhere.

How long does an international transfer to Caisses D'epargne-Groupe Bpce take?

How fast a payment arrives at Caisses D'epargne-Groupe Bpce is determined by a few things: the currency, how many intermediary banks are involved, daily processing deadlines and time zones. Weekends and public holidays in the sending or receiving country can add extra days. Compliance checks on larger or unusual payments may also add a delay, even when all details are correct.

If the money is late, contact your bank about the status. Specialist transfer services usually provide a status online so you can see where the payment has got.

Only the sending bank can request a trace or a recall. Request from the sender the payment receipt – it helps your own bank look for the money.

Which of the 2 codes of Caisses D'epargne-Groupe Bpce do you need?

We have 2 SWIFT/BIC codes for Caisses D'epargne-Groupe Bpce, spread over 1 cities. Besides the head office code CEPAFRPPXXX, there are codes for branches, departments or specific services.

In most cases you do not need to pick a branch: transfers sent to CEPAFRPPXXX reach Caisses D'epargne-Groupe Bpce without problems. A branch code only makes sense when the account holder specifically mentions it, which is more common for corporate accounts and specialised services.

If you are not sure, check with the recipient which code their bank gave them. Codes are sometimes changed or retired over time, so do not rely on old paperwork.

Is CEPAFRPP still correct? How to check

The most reliable place for the right code is paperwork issued by the bank like a bank statement or the account page in online banking. If the code you have does not match CEPAFRPP or CEPAFRPPXXX, stop and ask: check with the recipient or with Caisses D'epargne-Groupe Bpce directly.

Errors in the BIC are costly rather than fatal. Remember the IBAN: a mistake there can be more difficult to correct than a wrong BIC.

Most online banking apps check the structure of IBANs. More and more banks check the name with the account. When you pay someone new, some people start with a small test amount before sending the rest.