Fce Bank PLC SWIFT/BIC code

Fce Bank PLC SWIFT code: FCEFFR21

If an invoice shows FCEFFR21 or FCEFFR21XXX, you are looking at the same address for Fce Bank PLC in France. Every bank on the SWIFT network uses BIC codes to route international transfers to the right bank. In practice you mostly see the code on international invoices, in payment forms and on the account details that Fce Bank PLC provides.

On this page we explain what the code means, when it matters and what else a transfer to or from Fce Bank PLC requires. A SWIFT code names a bank or branch, not a single account.

Changed bank details? Be careful

One of the most common tricks works like this: an email arrives with a request saying that a company has new bank details and that the next payment should go there. A real SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Never trust a phone number from the same email that announces the new account. Pressure or secrecy are warning signs. If money was sent to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Scams also target the receiver. Someone claims to have sent too much and wants you to refund the extra. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

What to give a sender who pays you at Fce Bank PLC

To receive an international payment at Fce Bank PLC, the sender has to have more than the SWIFT code. In practice that means: your name as registered with Fce Bank PLC, your account number or IBAN, the SWIFT/BIC code FCEFFR21XXX (or FCEFFR21) and sometimes your address.

Certain banks also ask for the name and address of Fce Bank PLC in Rueil Malmaison; it does no harm to include it. A typo in the IBAN is harder to fix than it looks, so copy the details from your online banking.

Expect that the amount credited is smaller than what the sender paid. Charges on incoming payments differ from bank to bank. On invoices, you can state how the fees are split to avoid a shortfall.

FCEFFR21 or FCEFFR21XXX – which one to use?

A SWIFT code is made up of fixed blocks: the first four letters identify the bank, the next two show the country and the two after that indicate the location. The result is FCEFFR21, the short form of the code.

Most banks and apps accept both lengths. If a form asks for eleven characters, enter FCEFFR21XXX.

In practice the code is typed in capitals, without spaces or dashes. A wrong letter may route a payment to another bank, so copy it carefully.

How long does an international transfer to Fce Bank PLC take?

How fast a payment arrives at Fce Bank PLC is determined by several factors: the currency, the number of banks in between, cut-off times and time zones. Transfers sent late in the day or on a weekend or public holiday usually start the next business day. Extra checks on larger or unusual payments can also add a delay, regardless of the details.

Many banks are connected to SWIFT gpi. Every payment carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Save the payment confirmation until the recipient confirms – you will need it for any trace request.

If the money does not arrive within the expected time, the sender needs to contact the bank that sent it rather than Fce Bank PLC. As a recipient, you can check your statements to see a partial amount because fees can reduce the amount.

Is FCEFFR21 still correct? How to check

The best place to find the correct BIC remains paperwork issued by the bank like a bank statement or the account page in online banking. If the code you have differs from FCEFFR21 or FCEFFR21XXX, do not guess.

A wrong SWIFT code can cause a delay, a payment being sent back or extra fees for investigation. Do not forget the IBAN: a mistake there can be harder to undo 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 adds extra certainty. Sending a small amount first can be worth it for a large first payment.

How up to date is this code?

The codes here come from public sources that we update regularly. Institutions merge, close branches and change codes. The number of codes we show are based on what is in our directory and not on information from Fce Bank PLC itself.

Treat our directory here as a handy check, and let the details from the recipient or Fce Bank PLC have the final say. GoldexPay is independent of Fce Bank PLC; we are a comparison site for money transfers. Found outdated information? Tell us through the contact page so we can correct it.

Head office or branch code at Fce Bank PLC?

Having 2 codes, Fce Bank PLC is one of the banks that register separate codes for parts of the organisation. The head office code is FCEFFR21XXX.

For most payments to a private or business account, the head office code FCEFFR21XXX is what you need. Just use a branch code when the account holder explicitly asks for it, for example on an invoice or in their bank details.

Not sure which code applies? Ask the recipient. Branch codes are more likely to change than FCEFFR21XXX.

International transfers from Fce Bank PLC: the real cost

If you send money abroad through Fce Bank PLC, the visible fee is rarely all of the cost. Besides the transfer fee, banks in between can deduct a fee, and when the money changes currency, the bank often uses a rate below the real market rate.

Many banks rarely list their exchange rate markup separately, but you pay it all the same. A simple test: put the rate you get against the mid-market rate and look at the difference.

Specialist money transfer services often offer a rate near the mid-market rate. GoldexPay compares these services next to each other so you can see the amount the recipient gets for the same amount sent. You can still use your account at Fce Bank PLC to fund the transfer; only the conversion and sending happen elsewhere.

Euro transfers to Fce Bank PLC: is a BIC needed?

Since France is part of the SEPA zone, a euro payment into Fce Bank PLC from within the SEPA area usually only needs an IBAN. Most banking apps do not require the BIC in that case.

Outside the euro and for senders outside SEPA, FCEFFR21XXX or FCEFFR21 is still part of the payment details. If your banking app asks for the BIC anyway, adding FCEFFR21 does no harm.

Euro payments within SEPA normally land by the next business day. Provided the payment stays in euros, a SEPA transfer tends to be cheap; costs rise once a conversion is involved.

The Euro and what conversion costs you

The national currency in France is the Euro (EUR). If you send money in a different currency, the amount has to be converted somewhere along the way: by your bank, an intermediary or Fce Bank PLC itself. There is rarely a separate line for that conversion – the cost sits in the rate.

Where the conversion happens has an effect on the final amount, since every bank sets its own rate. Compare how much EUR the recipient gets via different providers.

Exchange rates change during the day, and some providers let you lock in a rate. If you pay regularly, small differences in the rate make a real difference over a year.