Credit Cooperatif SWIFT/BIC code

Credit Cooperatif SWIFT code: CCOPFRCP

CCOPFRCP and CCOPFRCPXXX are two spellings of the same bank identifier, and both point to Credit Cooperatif in Nanterre. A BIC has a single purpose: it ensures that a cross-border transfer reaches the right bank. It comes up mainly when dealing with payments that cross a border or a currency.

On this page we explain what the code is put together, when you need it and what else you need for a transfer to or from Credit Cooperatif. The SWIFT code on its own does not identify an individual account holder; that is what the account number or IBAN is for.

Getting paid from abroad into a Credit Cooperatif account

A sender in another country needs several details about your account, and missing ones are a common cause of delays. What they need is: your name, IBAN or account number, CCOPFRCPXXX and, for some countries, your postal address.

It helps to include Credit Cooperatif and its city as well. A mistake in the IBAN is harder to fix than you might think; copy them from your banking app rather than typing.

Expect that the incoming amount is smaller than what the sender paid. Correspondent banks can take a fee, Credit Cooperatif may charge for incoming payments, and if the money is converted, an exchange rate margin comes on top. Make clear with the sender who covers the fees.

Paying into Credit Cooperatif in EUR

The local currency in France is the Euro (EUR). When you pay another 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 the final amount, as rates and margins differ per bank. Transferring the money already in EUR often avoids an extra conversion at the receiving end – as long as your own rate is good.

Rates for EUR move during the day. With bigger transfers, a seemingly small gap in the rate adds up quickly.

Tracking a transfer to or from Credit Cooperatif

How fast a payment arrives at Credit Cooperatif is determined by a few things: the currency, the number of banks in between, cut-off times and differences in time zone. Weekends and public holidays in either country add extra days. 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, which lets them follow a payment from bank to bank. Every payment gets a unique reference, the UETR that banks can use to trace it. Specialist transfer services often provide tracking online showing where the payment is.

A missing payment is traced from the sending side. As a recipient, it helps to check your account to see a slightly lower amount, since fees may have been deducted.

Changed bank details? Be careful

Be wary when a contact suddenly asks you to send money to another account or a bank in another country. That CCOPFRCP is a real code does not mean that a request mentioning it is genuine.

Check new bank details through a different channel like a call to a number from an earlier contract, not by replying to the message. Watch out for urgent requests, odd spelling or a sender address that is slightly off. Acted too fast? Call your bank straight away and have them try to recall the payment; also report it to the police.

People receiving money are targeted too: one known trick is a buyer who pays too much followed by a request to send back the difference abroad. A screenshot of a transfer is no proof.

Which of the 3 codes of Credit Cooperatif do you need?

Credit Cooperatif uses 3 separate SWIFT/BIC codes across 1 cities. Only one is the head office code, CCOPFRCPXXX; the others identify branches or departments, and sometimes internal departments.

For most incoming transfers, the head office code CCOPFRCPXXX works fine. Only use a branch code when the account holder gives you that exact code, for example on an invoice or in their bank details.

Unsure which code applies? Check with the recipient, or look at a recent statement from Credit Cooperatif. Codes are sometimes changed or retired over time, so a code from an old document is not always valid.

CCOPFRCP or CCOPFRCPXXX – which one to use?

The structure of every SWIFT code is always the same: a bank code of four letters, a two-letter country code and a two-character location code, plus an optional branch code. For Credit Cooperatif, the 8-character core is CCOPFRCP.

The long version adds a three-character extension for a branch or department. When those three characters are XXX, the code points to the head office, so CCOPFRCPXXX and CCOPFRCP are interchangeable.

Leave out spaces or dashes when you enter CCOPFRCP; the code is always written in one block. Look out for the letter O and the digit 0 or the letter I and the digit 1; they are easy to mix up.

Before you send: check the Credit Cooperatif code

The most reliable place for the right code is a document from the bank itself. Compare it against CCOPFRCP on this page.

Errors in the BIC are costly more than disastrous. Remember the IBAN: a mistake there is more difficult to correct than a wrong code.

A validity check in your banking app only tells you that the IBAN exists. Where available, a payee name check on the recipient gives an extra layer of safety. Sending a small amount first is worth it for a large first payment.

Paying Credit Cooperatif in euros within SEPA

France is a member of the Single Euro Payments Area (SEPA), where euro transfers follow common rules. For a standard euro transfer within SEPA, you normally only need the IBAN; many banks no longer ask for the BIC.

You will still need CCOPFRCPXXX when sending payments in other currencies or transfers from countries outside SEPA. If a payment form has a field for the BIC regardless, adding CCOPFRCP does no harm.

Instant payments in euros are increasingly supported within SEPA. Charges on SEPA payments are generally low.

International transfers from Credit Cooperatif: the real cost

The price of a payment abroad is made up of more than one component. There is the fee for the transfer itself, possibly fees charged by intermediary banks in between and, above all, the margin on the exchange rate.

The real cost is often in the rate, rather than in the fee: many banks convert at a rate with a margin built in. An easy check: set the rate you get next to the mid-market rate and work out the difference on your amount.

For a lot of routes, a specialist provider turns out to be less expensive than a traditional bank transfer – mostly thanks to the rate. Next time you send money, it is worth to compare what arrives via GoldexPay. You can always keep your account at Credit Cooperatif as the source of the money; only the conversion and sending happen elsewhere.

A note on our data

We collect bank codes using public sources and update our list regularly. It can happen that a code here is out of date, for example after a merger. Figures such as the number of codes come from our directory.

Before a payment of any size, always check the code with the recipient’s bank or with the recipient. GoldexPay is a comparison service and not part of Credit Cooperatif. Found outdated information? Let us know through the contact page.