Credit Mutuel - Cic Banques SWIFT/BIC code

CMCIFRPA – the SWIFT/BIC code of Credit Mutuel - Cic Banques

CMCIFRPA and CMCIFRPAXXX are two ways of writing the same SWIFT/BIC code, and both point to Credit Mutuel - Cic Banques in Paris. A SWIFT code tells the banks handling a payment exactly which bank is meant to get the money, much like a postcode for banks. You will need it mainly for payments that cross a border or a currency.

On this page we explain what the code means, when you need it and which other details you need for a transfer to or from Credit Mutuel - Cic Banques. A SWIFT code identifies a bank or branch, not a specific account; the IBAN or account number does that.

Tracking a transfer to or from Credit Mutuel - Cic Banques

How quickly a payment reaches Credit Mutuel - Cic Banques depends on several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and time zones. Bank holidays in the sending or receiving country can add extra days, since banks do not process on those days. Extra checks on larger or unusual payments may also add a delay, even when all details are correct.

When a payment takes longer than expected, contact the sending bank for the status or the UETR 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 the money does not arrive after a few business days, the sender needs to start with the bank that sent it. As a recipient, it helps to look at your account for a slightly lower amount.

Incoming international payments to Credit Mutuel - Cic Banques

Someone abroad who wants to pay you will ask for a few details about your account, and missing ones are a common cause of delays. In practice that means: your name as registered with Credit Mutuel - Cic Banques, your account number or IBAN, the BIC CMCIFRPAXXX (or CMCIFRPA) and sometimes your postal address.

Their bank might also ask for the address of your bank, in which case the Paris head office is the usual answer. A mistake in the IBAN is more trouble than you might think; copy them from your banking app rather than typing.

The amount you receive is often less than what was sent. Charges on incoming payments differ from bank to bank – the price list of Credit Mutuel - Cic Banques tells you what applies. Agree with the sender who covers the fees, especially for larger amounts.

Euro (EUR) and conversion costs

France pays in the Euro, with the currency code EUR. When you pay money in a different currency it has to be converted somewhere along the way. Each conversion costs something.

Where the conversion happens affects the final amount. Compare how much EUR arrives with different providers before choosing one.

Rates for EUR move all the time. For recurring payments, small differences in the rate make a real difference over time.

8 or 11 characters: CMCIFRPA versus CMCIFRPAXXX

The layout of a BIC is always the same: a bank code of four letters, two for the country and two for the location, sometimes followed by a branch code. In this case, that core is CMCIFRPA.

The 11-character version adds three more characters that identify a branch or department. When those three characters are XXX, the code points to the head office.

As a rule the code is typed in capitals, without spaces or dashes. Copying the code beats typing it by hand.

Choosing between the 10 SWIFT codes of Credit Mutuel - Cic Banques

Credit Mutuel - Cic Banques uses 10 different SWIFT/BIC codes. One of them is the head office code, CMCIFRPAXXX; the others belong to branches, and sometimes internal departments.

Unless the recipient tells you otherwise, go with CMCIFRPAXXX or its short form CMCIFRPA. If you have been given a specific code, use it as it is rather than swapping it for the head office code.

The safest approach is to copy the code directly from the recipient’s invoice. Branch codes are more prone to be retired than the head office code.

What a transfer from Credit Mutuel - Cic Banques abroad really costs

A bank transfer abroad can cost more than the listed fee. You pay 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.

That exchange rate margin is often the biggest cost even though it is not listed as a fee. Compare the rate you are offered with the mid-market rate. The difference is your real conversion cost.

Specialist money transfer services often use a rate near the mid-market rate and lower fees. Next time you send money, it is worth to compare the total cost via GoldexPay rather than accepting the bank’s rate by default. You can always use your account at Credit Mutuel - Cic Banques to fund the transfer.

Watch out for payment fraud

Scammers often use fake invoices with new bank details sent from what looks like a familiar address. A correct SWIFT code says nothing about who owns the account – scammers simply use real codes.

Never rely on a phone number from the same email that announces the change. Urgency and requests to keep it quiet are warning signs. Already paid? Contact the bank you paid from without delay and ask them to start a recall.

People receiving money are targeted too: one known trick is a buyer who pays too much and then sends a request to send back the difference abroad. Wait until the money has really arrived.

Do you need CMCIFRPA for a SEPA transfer?

Inside SEPA, euro payments to Credit Mutuel - Cic Banques use common rules, so the IBAN does the job in most cases. The BIC field is often optional in that case.

For anything other than euros and from non-SEPA countries, CMCIFRPAXXX is still required. Some forms also ask for the BIC; in that case, fill in CMCIFRPA.

Euro payments within SEPA normally land by the next business day. Charges on SEPA transfers tend to be low.

Is CMCIFRPA still correct? How to check

Ask the recipient to copy their bank details straight from their online banking. Check it with CMCIFRPA here.

If the code is wrong, the transfer may be delayed, bounce back or cost extra – sometimes after weeks of searching. A mistake in the IBAN or account number is a bigger problem, because the money may be credited to someone else, so check that just as carefully.

Many banking apps check the structure of IBANs. More and more banks compare the payee name against the account; take any warning seriously. A small test payment is worth it for a large first payment despite the extra fee.

How up to date is this code?

This directory is compiled from publicly available sources and is updated regularly. It is possible that information on this page is no longer current. Counts and locations come from our directory and may differ from what Credit Mutuel - Cic Banques publishes.

For a payment that matters, always check the code with the recipient’s bank or the recipient. GoldexPay is an independent comparison service and not affiliated with Credit Mutuel - Cic Banques. Spotted outdated information? Tell us via our contact form so we can correct it.