Gecina SWIFT/BIC code

SWIFT/BIC code of Gecina

GCCIFRP1 and GCCIFRP1XXX are the short and the long form of the same SWIFT/BIC code, and both lead to Gecina in Paris. A SWIFT code tells every bank in the chain exactly which bank should receive the money. It comes up mainly for payments that cross a border and payments in foreign currencies.

Further down we go through the practical side: receiving money at Gecina, paying someone in another country and how to check the code before you hit send. The BIC identifies a bank or branch, not a specific account, which is why you always need the account number too.

How to check GCCIFRP1 before you pay

The safest source for the BIC is the bank details provided by the recipient. When the code you were given differs from GCCIFRP1 or GCCIFRP1XXX, do not guess.

If the code is wrong, the payment might be delayed, be returned or cost extra. An error in the IBAN or account number is more serious, because the money may be credited to someone else, so check that just as carefully.

Many banking apps check the format of IBANs and sometimes look up the BIC automatically. Some banks now compare the name with the account. A small test payment is a sensible step for large sums, even if it costs an extra fee.

Euro (EUR) and conversion costs

Most accounts at Gecina are usually held in EUR, the local currency. If you send another currency, the amount has to be converted at some point: by your bank, an intermediary or Gecina itself. Each conversion costs something – usually through the rate rather than a fee.

Who converts the money matters, because each party uses its own rate. Compare how much EUR arrives with several services.

The EUR rate changes throughout the day and quotes are often valid only for a short time. With bigger transfers, a small difference in the rate adds up quickly.

Paying Gecina in euros within SEPA

France belongs to the SEPA area, where euro transfers follow common rules. When you send euros within SEPA, you normally only need the IBAN.

The BIC does come into play for payments in other currencies. If a payment form asks for the BIC regardless, entering GCCIFRP1 is fine.

Euro payments within SEPA normally land by the next business day; instant payments are faster if both banks offer them. Provided the payment stays in euros, a SEPA transfer tends to be inexpensive; it is the conversion that costs money.

Which of the 2 codes of Gecina do you need?

We have 2 SWIFT/BIC codes for Gecina in 1 places. Besides the head office code GCCIFRP1XXX, you will find codes for branches, departments or specific services.

In most cases you do not need to look up a branch: payments sent to GCCIFRP1XXX are routed within Gecina without problems. Just use a branch code when the recipient gives you that exact code, for example on an invoice or in their bank details.

Not sure which code applies? Ask the recipient. Branch codes are more prone to be retired than the head office code.

International transfers from Gecina: the real cost

If you send money abroad from Gecina, the visible fee is only part of the cost. Besides the transfer fee, banks in between can deduct a fee, and when currencies are converted the bank usually applies a rate below the real market rate.

The markup on the rate is often the biggest item even though it is not listed as a fee. An easy check: set the rate you get next to the mid-market rate and work out the difference on your amount.

For many routes, a transfer service turns out to be less expensive than a traditional bank transfer, mainly because of the exchange rate. Before your next transfer, take a minute comparing what arrives on GoldexPay rather than accepting the bank’s rate by default. You can always keep your account at Gecina; only the conversion and sending happen elsewhere.

How up to date is this code?

We collect SWIFT/BIC codes using publicly available data and check them from time to time. It is possible that a code here is no longer current, for example after a merger. Counts and locations are from our directory and are not confirmed by Gecina.

See the information here as a helpful check, and let the details from the recipient or Gecina have the final say. We are a comparison service and not part of Gecina. If you notice something that is out of date, we appreciate a message via the contact page.

What to give a sender who pays you at Gecina

Someone abroad who wants to pay you will ask for several details from you, and missing ones are a common cause of delays. Share the account holder’s name, your account number or IBAN, SWIFT code GCCIFRP1XXX and your address, which some banks require.

Some sending banks want the name and address of Gecina, so keep it at hand. Double-check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

An incoming payment does not always land in full. Fees for incoming transfers vary from bank to bank; check the price list of Gecina. Agree with the sender who pays which costs, especially for larger amounts.

Why Gecina has an 8- and an 11-character code

A SWIFT code is built from fixed blocks: the first four letters stand for the bank, the next two show the country and the two after that indicate the location. The result is GCCIFRP1 for Gecina.

XXX at the end of GCCIFRP1XXX does not stand for a missing value or an error: it indicates the head office of Gecina. Some forms insist on 11 characters, in which case you can enter XXX after GCCIFRP1.

As a rule the code is typed in capitals. A single character can send the money to another bank.

How long does an international transfer to Gecina take?

A SWIFT payment typically takes anywhere from one to several business days. Weekends and public holidays in either country can add a day or more to the journey. Compliance checks on larger or unusual payments may also cause some delay, even when all details are correct.

Many banks use SWIFT gpi. Each gpi transfer carries a unique transaction reference, the UETR. Keep your transfer receipt until the recipient confirms – you will need it for any trace request.

Only the sending bank can start an official trace or a recall. On the receiving end, you can look at your statements to see a partial amount because fees can reduce the amount.

Protect yourself against fake payment requests

Scammers often send payment requests with new bank details, sometimes in an email that looks completely genuine. The fact that GCCIFRP1 exists does not mean that the account is genuine – fraudsters use real bank codes as well.

Check new bank details through a different channel, not by replying to the message. Be suspicious of urgent requests, unusual wording or an email address that differs by one letter. If a payment was sent to the wrong account, contact your bank immediately: the sooner they act, the better the chance of a recall.

People receiving money are targeted too: a classic trick is a buyer who pays too much and then sends a request to send back the difference. A screenshot of a transfer is no proof – check your own account.