Credit Foncier de France SWIFT/BIC code

SWIFT/BIC code of Credit Foncier de France

Whether you are given CFFRFRPP or CFFRFRPPXXX, it is the same address for Credit Foncier de France in France. Every bank on the SWIFT network uses BIC codes to direct payments between countries to the correct bank. You will need it mostly when dealing with transfers between countries or a currency.

On this page you can read how the code is put together, when you need it and which other details a transfer to or from Credit Foncier de France requires. Remember that the BIC only identifies the bank, not the person: the IBAN or account number does that part.

Head office or branch code at Credit Foncier de France?

With 3 codes in 1 locations, Credit Foncier de France is one of the banks that use individual codes for branches and departments. The main code remains CFFRFRPPXXX.

Usually there is no need to pick a branch: transfers sent to CFFRFRPPXXX reach Credit Foncier de France without problems. Branch codes are only needed when the account holder explicitly asks for it.

Not sure which code to use? Check with the recipient, or look at a recent statement from Credit Foncier de France. Branch codes are sometimes changed or retired over time, so a code from an old document is not always valid.

International transfers from Credit Foncier de France: the real cost

An international bank payment can cost rather more than the fee suggests. There is the fee for the transfer itself, possibly fees charged by intermediary banks along the way and, most importantly, the exchange rate markup if the currency changes.

Most of the cost usually sits in the exchange rate, not in the fee: many banks convert at a rate that includes a margin. An easy check: put the rate you get next to the mid-market rate and look at the difference.

For many routes, a transfer service is cheaper than a traditional bank transfer, mainly because of the exchange rate. GoldexPay compares these services side by side, showing what actually arrives. You can still keep your account at Credit Foncier de France.

Tracking a transfer to or from Credit Foncier de France

A SWIFT payment typically takes anywhere from one to several business days. Weekends and public holidays in either country add a day or more to the journey. Compliance checks by one of the banks can also add a delay, regardless of the details.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Every gpi transfer carries a unique reference, the UETR that banks can use to trace it. Money transfer services usually provide a status in their app so you can see how far the money is.

A delayed transfer is traced by the sending bank on the basis of the transfer details. As a recipient, it helps to look at your account for a partial amount, since fees may have been deducted.

Protect yourself against fake payment requests

One of the most common tricks works like this: an email arrives with a message saying that a supplier has a new bank account and asking you to pay there from now on. The fact that CFFRFRPP exists does not mean that a request mentioning it is genuine; criminals use the codes of real banks too.

Never rely on contact details in the same message that contains the change. Be suspicious of time pressure, unusual wording or a sender address that is slightly off. When a payment has already gone to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

People receiving money can be targeted as well: one known trick is an overpayment followed by a request to send back the difference to another account. Wait until the money has really arrived.

Paying into Credit Foncier de France in EUR

France uses the Euro (EUR). A payment in a foreign currency will be exchanged into EUR before it reaches the account – and the bank that does it picks the rate. There is rarely a separate line for that conversion – the cost sits in the rate.

Who does the conversion affects the final amount. Often it is cheaper to send EUR directly through a provider that converts near the mid-market rate, so that the receiving bank does not need to convert again.

The EUR rate changes constantly and quotes are often valid only for a short time. If you pay regularly, small differences in the rate add up over a year.

About this information

The directory on GoldexPay is based on publicly available sources. It can happen that a code on this page is out of date after a merger or reorganisation. Figures such as the number of codes come from our directory.

Treat the information here as a handy check and rely on the recipient or Credit Foncier de France for the final confirmation. GoldexPay is not affiliated with Credit Foncier de France. If you notice a mistake, we welcome a short note via the contact page.

Is CFFRFRPP still correct? How to check

Have the recipient send you their account details directly from their banking app. If the code you have does not match CFFRFRPP or CFFRFRPPXXX, stop and ask.

Mistakes in the SWIFT code tend to be annoying rather than disastrous: often the payment comes back, minus fees. Do not forget the IBAN: a mistake there is more difficult to undo than a wrong code.

An automatic check in your banking app only confirms that the IBAN is valid. If your bank offers it, a name check before sending adds an extra layer of safety. A small test payment is worth it for large sums.

What to give a sender who pays you at Credit Foncier de France

Someone abroad who wants to pay you needs a few details about your account, and missing ones are a common cause of delays. What they need is: the account holder’s name, account number or IBAN, CFFRFRPPXXX or CFFRFRPP and, for some countries, your home address.

Their bank may also ask for the bank address of Credit Foncier de France. A typo in your account number can be harder to fix than you might think, so copy the details from your online banking.

What lands in your account can be less than the amount sent. Charges on incoming payments differ per bank; check the price list of Credit Foncier de France. On invoices, it is common to state who bears the costs, so that nobody is left short.

SEPA payments and the Credit Foncier de France BIC

Because France is part of SEPA, a euro transfer into Credit Foncier de France from another SEPA country normally only needs an IBAN. Most banking apps no longer ask for the BIC for these payments or fill it in for you.

A SWIFT code like CFFRFRPP still come into play for payments in other currencies. A few banks and apps also ask for the BIC out of habit; if so, enter CFFRFRPP.

Euro payments within SEPA normally land by the next business day, and instant transfers in seconds where both banks support them. Charges on SEPA transfers tend to be low.

What the XXX in CFFRFRPPXXX means

The layout of every SWIFT code is always the same: a bank code of four letters, a two-letter country code and two for the location, sometimes followed by a branch code. Combined, those parts make up CFFRFRPP, the code most people search for.

Many banks and apps accept either length. If yours requires eleven characters, use CFFRFRPPXXX.

Leave out spaces, dots when you enter CFFRFRPP; the code is always written in one block. A single letter can send the money to a different institution, so copy it carefully.