Euroclear France SA SWIFT/BIC code

ESESFRPP – the SWIFT/BIC code of Euroclear France SA

ESESFRPP and ESESFRPPXXX are two ways of writing the same bank identifier, and both lead to Euroclear France SA in Paris. Banks worldwide use BIC codes to route international transfers to the correct bank. In practice you usually see it on invoices from abroad, in payment forms and in the bank details that Euroclear France SA provides.

This page is meant to help people who sends money to an account at Euroclear France SA and wants to get the details right. The SWIFT code alone does not identify a personal account; for that you need the IBAN or account number .

Sending EUR to Euroclear France SA

France uses the Euro, with the currency code EUR. Money sent in a different currency is converted into EUR, and whoever converts it chooses the rate. There is rarely a separate line for that conversion – the cost sits in the rate.

Who converts the payment matters: every bank has its own margin. Often you pay less to send EUR directly via a provider with a good rate.

The EUR rate fluctuates throughout the day and quotes are often valid only for a short time. On larger amounts, a small difference in the rate can be worth more than the fee.

Sending money abroad from Euroclear France SA

What you pay for an international transfer has more than one component – not just the fee on your screen. You pay the transfer fee, possibly fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate.

That exchange rate margin is often the biggest item. Check their rate against the mid-market rate.

Specialist money transfer services frequently offer rates closer to the mid-market rate with clearer fees. Before your next transfer, it is worth comparing what arrives on GoldexPay instead of going straight to your bank. Using a transfer service does not require closing your account at Euroclear France SA.

Verifying the SWIFT code of Euroclear France SA

The best place to find the correct BIC is a document from the bank itself. Check that code with ESESFRPP on this page.

If the code is wrong, the payment might get stuck, bounce back or cost extra – sometimes after weeks of searching. An error in the IBAN or account number is more serious, so check that just as carefully.

Many banking apps check the format of an IBAN and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. Some banks now compare the name with the account before you confirm – do not ignore a mismatch warning. Sending a small amount first can be a sensible step for a large first payment despite the extra fee.

Which of the 18 codes of Euroclear France SA do you need?

Euroclear France SA has 18 separate SWIFT/BIC codes. Only one is the head office code; the others identify branches, and sometimes specific services.

For most payments to a private or business account, the head office code ESESFRPPXXX is what you need. A branch code only makes sense when the recipient’s bank explicitly asks for it, which is more common for business accounts and trade services.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Codes are sometimes changed or retired over time.

Changed bank details? Be careful

One of the most common tricks goes like this: you receive a message saying that a supplier now has a new bank account and asking you to pay there from now on. A real SWIFT code tells you nothing about who owns the account.

Always verify changed bank details through a phone call, using a number you already had. Pressure and requests to keep it quiet tend to be red flags; a genuine business can wait for you to check. If a payment has already gone to the wrong account, call your bank right away – speed improves the chance of getting it back.

People receiving money are targeted too: one known trick is an overpayment followed by a request to refund the difference to another account. A payment confirmation from the sender proves nothing.

Paying Euroclear France SA in euros within SEPA

Inside SEPA, euro payments to an account in France use common rules. The BIC field is often optional for those payments.

The BIC does come into play when the currency is not euros. Some banks and apps still show a field for the BIC out of habit; in that case, enter ESESFRPP.

Euro payments within SEPA normally land by the next business day, and instant transfers in seconds where both banks support them. Provided the payment stays in euros, the transfer tends to be cheap; it is the conversion that costs money.

Transfer times and tracking a payment to Euroclear France SA

A SWIFT payment usually takes anywhere from one to several business days, depending on the currency, the route and the banks involved. Bank holidays in the sending or receiving country can add a day or more. Sometimes a bank wants to know what the payment is for, which can hold things up.

Many banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Keep the payment confirmation until the money has arrived – you will need it for any trace request.

A missing payment is traced by the sending bank, using the payment confirmation. On the receiving end, you can check your account for a partial amount, since fees may have been deducted.

Incoming international payments to Euroclear France SA

For an international payment into your account at Euroclear France SA, the person paying you has to have not just the BIC. Give them the account holder’s name, the IBAN or account number, SWIFT code ESESFRPPXXX and your address, which some banks require.

It helps to include the bank name and its city as well, since some forms ask for it. Check every detail before you send them, because the sender’s bank usually copies them as is.

The amount you receive is often less than what was sent. Charges on incoming payments vary from bank to bank – the price list of Euroclear France SA tells you what applies. For business payments, it is common to state who bears the costs.

8 or 11 characters: ESESFRPP versus ESESFRPPXXX

A BIC is made up of a few fixed parts: the first four letters identify the bank, characters five and six give the country and characters seven and eight mark the location. That gives you ESESFRPP, the short form of the code.

The 11-character version adds a three-character extension that identify a branch or department. When those three characters are XXX, they simply mean the head office, so ESESFRPPXXX and ESESFRPP are interchangeable.

Do not add spaces, dots when you enter ESESFRPP; the code is always written in one block. A wrong character can send a payment to another bank, so check it twice.

Where our SWIFT data comes from

This directory draws on publicly available sources and we update it periodically. Even so, banks merge, rename themselves or change codes. Figures such as the number of codes are from our directory and may differ from what Euroclear France SA publishes.

Before any payment of any size, check the code with Euroclear France SA or the recipient. GoldexPay is a comparison site for money transfers and not part of Euroclear France SA. Should you notice something that is out of date, we welcome a short note.