Credit Agricole SA SWIFT/BIC code

Credit Agricole SA SWIFT code: AGRIFRPP

The 8-character code AGRIFRPP and the 11-character code AGRIFRPPXXX refer to the same bank: Credit Agricole SA, with its head office in Montrouge. A SWIFT code shows every bank in the chain exactly which bank should receive the money, much like a postcode for banks. You will need it mostly for payments that cross a border or a currency.

Further down you will find the practical side: money coming in from abroad, sending money abroad and how to check a SWIFT code before you hit send. The BIC identifies an institution, never a specific account, which is why you always need the account number too.

Euro (EUR) and conversion costs

The currency of France is the Euro (EUR). When you pay money in a different currency it gets converted somewhere along the way: by your bank, an intermediary or Credit Agricole SA itself. Every conversion costs something, even when no fee is shown.

Who does the conversion has an effect on the final amount. Compare how much EUR the recipient gets via different providers; the difference between options can be larger than you expect.

Exchange rates change all the time, and some providers let you lock in a rate. With bigger transfers, a small difference in the rate adds up quickly.

Which of the 15 codes of Credit Agricole SA do you need?

Our directory lists 15 SWIFT/BIC codes for Credit Agricole SA. Next to the head office code AGRIFRPPXXX, there are codes for branches, departments or specific services.

Usually there is no need to pick a branch: payments sent to AGRIFRPPXXX reach Credit Agricole SA without problems. If you have been given a branch code, use it as it is rather than replacing it with the head office code.

If you are not sure, check with the recipient for the exact BIC in their bank details. Codes for branches are more likely to be retired than AGRIFRPPXXX.

How to check AGRIFRPP before you pay

Ask the recipient to send you their account details directly from a recent statement. Check that code with AGRIFRPP here.

Errors in the SWIFT code are costly rather than disastrous. A mistake in the IBAN or account number can be more serious.

Many banking apps check the structure of IBANs and some suggest the matching BIC. More and more banks compare the payee name against the account before you confirm – do not ignore a mismatch warning. When you pay someone new, some people start with a small test amount and wait for confirmation.

Why Credit Agricole SA has an 8- and an 11-character code

The structure of every SWIFT code never changes: four characters for the institution, a two-letter country code and two for the location, sometimes followed by a branch code. Together, these eight characters form AGRIFRPP – the version you usually see online.

The long version adds a three-character extension for a branch or department. If the last three are XXX, they simply mean the head office.

In practice the code is written in capitals, without spaces or dashes. Watch for O versus 0 and I versus 1; they are easy to mix up.

When will the money arrive at Credit Agricole SA?

A SWIFT payment typically takes anywhere from one to several business days. Payments made after the cut-off time or on a weekend or public holiday often start a business day later. Extra checks by one of the banks can also cause a delay, regardless of the details.

When a payment takes longer than expected, contact your bank for the tracking status so they can trace it along the chain. Save 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, using the payment confirmation. As a recipient, you can look at your statements for a partial amount.

Euro transfers to Credit Agricole SA: is a BIC needed?

France is part of the Single Euro Payments Area (SEPA). For a standard euro transfer from another SEPA country, the IBAN is usually enough.

The BIC does matter when the currency is not euros. A few banks and apps still show a field for the BIC out of habit; if so, enter AGRIFRPP.

Euro payments within SEPA normally land by the next business day; instant payments are faster if both banks offer them. As long as the payment stays in euros, the transfer is inexpensive.

Where our SWIFT data comes from

We collect SWIFT/BIC codes from public sources and update them from time to time. It is possible that information on this page is no longer current, for example after a merger. The figures on this page are based on our own data and not on information from Credit Agricole SA itself.

For any payment that matters, always confirm the BIC with Credit Agricole SA or with the recipient. GoldexPay is an independent comparison service and not part of Credit Agricole SA. If you notice something that is out of date, we welcome a short note.

Protect yourself against fake payment requests

Stay alert when a contact suddenly asks you to send money to a different account. A correct SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Check new payment details through a separate channel, not by replying to the message. Pressure and requests to keep it quiet tend to be red flags; a genuine business can wait for you to check. When money was sent to the wrong account, call your bank right away – speed improves the chance of getting it back.

People receiving money are targeted too: a classic trick is a buyer who pays too much followed by a request to refund the difference abroad. Wait until the money has really arrived.

What a transfer from Credit Agricole SA abroad really costs

If you send money to another country via Credit Agricole SA, the visible fee is rarely all of the cost. On top of a fixed fee, correspondent or intermediary banks can deduct a fee, and when currencies are converted the bank usually uses a rate that is less favourable than the actual market rate.

Banks do not list their exchange rate markup separately, but you pay it all the same. A simple test: set the rate you get against the mid-market rate and look at the difference.

For a lot of routes, a transfer service is less expensive than a bank, mainly because of the exchange rate. GoldexPay lists transfer providers next to each other, showing the amount the recipient gets before you commit. You can always keep your account at Credit Agricole SA to fund the transfer; only the conversion and sending happen elsewhere.

Receiving money from abroad at Credit Agricole SA

A sender in another country will ask for a few details about your account – incomplete details often cause delays. What they need is: the account holder’s name, account number or IBAN, AGRIFRPPXXX and often your postal address.

Some banks want the address of Credit Agricole SA, so keep it at hand. Double-check every detail before you send them.

The amount you receive can be lower than the amount sent. Charges on incoming payments differ per bank. On invoices, it is common to state how the fees are split to avoid a shortfall.