Credit du Nord SWIFT/BIC code

SWIFT/BIC code of Credit du Nord

The short code NORDFRPP and the full code NORDFRPPXXX refer to one and the same institution: Credit du Nord, with its head office in Lille. Every bank on the SWIFT network uses BIC codes to route international transfers to the correct bank. You will need it mostly when dealing with payments that cross a border or a currency.

This page is meant to help people who receives money at an account at Credit du Nord and wants to get the details right. A SWIFT code identifies a bank or branch, not a specific account; the IBAN or account number does that.

How to check NORDFRPP before you pay

Ask the recipient to copy the bank details directly from their banking app. Compare it with NORDFRPP on this page; if they differ, ask before you pay.

Errors in the SWIFT code are costly more than disastrous – usually the money comes back, minus fees and time lost. A mistake in the account number is a bigger problem because it can reach the wrong person; check it just as carefully.

A validity check in your banking app merely confirms that the code exists – not that it belongs to the person you mean to pay. Some banks now compare the name with the account. A small test payment can be a sensible step for large sums despite the extra fee.

Why Credit du Nord has an 8- and an 11-character code

The layout of every SWIFT code never changes: a bank code of four letters, a two-letter country code and a two-character location code. Together, these eight characters form NORDFRPP.

The 11-character version adds a three-character extension that identify a branch or department. If the last three are XXX, they simply mean the head office, so NORDFRPPXXX and NORDFRPP are interchangeable.

Do not add spaces or dashes when you enter NORDFRPP or NORDFRPPXXX. Watch for O versus 0 or the letter I and the digit 1; they are easy to mix up.

A note on our data

Our SWIFT/BIC directory is based on publicly available sources and is updated regularly. It is possible that a code here is no longer current. The figures on this page are based on what is in our directory and not on information from Credit du Nord itself.

Before a payment of any size, confirm the code with the recipient’s bank or the recipient. GoldexPay is independent of Credit du Nord; we are a comparison site for money transfers. Spotted outdated information? Let us know through the contact page.

The Euro and what conversion costs you

France pays in the Euro, code EUR. Money sent in a different currency will be exchanged into EUR, and whoever converts it chooses the rate. Each conversion eats into something – usually through the rate rather than a fee.

Which bank converts the payment makes a difference. Check what EUR the recipient gets via several services before choosing one.

Exchange rates change all the time – some services let you fix a rate in advance. For recurring payments, a slightly better rate make a real difference over a year.

Head office or branch code at Credit du Nord?

Credit du Nord uses 3 separate SWIFT/BIC codes. One of them is the head office code; the others belong to branches, and sometimes internal departments.

Unless the recipient tells you otherwise, go with NORDFRPPXXX. Only use a branch code when the recipient gives you that exact code.

Unsure which code to use? Ask the recipient, or look at a recent statement from Credit du Nord. Branch codes can change when banks reorganise, so do not rely on old paperwork.

Paying Credit du Nord in euros within SEPA

France is a member of the Single Euro Payments Area (SEPA), where euro transfers follow common rules. For a regular euro transfer from another SEPA country, the IBAN is usually enough and the BIC is often filled in automatically.

You will still need NORDFRPPXXX when sending payments in other currencies or money from outside the SEPA area. Some forms also show a field for the BIC out of habit; in that case, enter NORDFRPP or NORDFRPPXXX.

SEPA transfers usually arrive by the next business day, and instant transfers in seconds where both banks support them. Charges on SEPA transfers are generally low, as long as no currency conversion is involved.

Getting paid from abroad into a Credit du Nord account

To receive an international payment at Credit du Nord, the sender has to have more than the BIC. Share the account holder’s name, the IBAN or account number, SWIFT code NORDFRPPXXX and your address.

Some sending banks want the address of Credit du Nord in Lille. A mistake in your account number can be more trouble than it looks, so copy the details from your online banking.

Money from abroad does not always arrive in full. Correspondent banks can take a fee and your own bank may charge for processing, and if the currency changes, a markup on the rate applies. On invoices, it is common to agree who bears the costs to avoid a shortfall.

International transfers from Credit du Nord: the real cost

The price of a payment abroad has several parts – not just the fee on your screen. You pay the fee for the transfer itself, sometimes fees charged by intermediary banks in between and, most importantly, the exchange rate markup.

Many banks rarely list their exchange rate markup separately. A simple test: set the bank’s rate against the mid-market rate and work out the difference on your amount.

Money transfer services frequently offer rates closer to the mid-market rate with clearer fees. Next time you send money, take a minute to compare what arrives on GoldexPay rather than accepting the bank’s rate by default. Choosing a specialist does not mean leaving Credit du Nord: you simply pay the service from your account.

Tracking a transfer to or from Credit du Nord

How fast a payment reaches Credit du Nord depends on a few things: which currency you send, the number of banks in between, cut-off times and differences in time zone. Weekends and public holidays in either country add a day or more. Occasionally a bank wants to know what the payment is for.

If a transfer is late, contact the sending bank about the status and the transaction reference so they can trace it along the chain. Keep the payment confirmation until the money has arrived – you will need it for any trace request.

If a payment has not arrived within the expected time, the sender needs to contact their own bank, not the receiving bank. Ask the sender for the payment receipt with the date and reference; that often settles the question quickly.

Watch out for payment fraud

Be wary when someone unexpectedly wants you to send money to a different account abroad. That NORDFRPP is a real code does not mean that the account is genuine – fraudsters use real bank codes as well.

Do not trust a phone number in the same message that contains the new account. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. If money has already gone to the wrong account, contact your bank immediately.

Scams can also work the other way. Someone sends too much and asks you to refund the extra. Do not act before the money has really arrived – ask Credit du Nord if something looks wrong.