Macif-Mutualite SWIFT/BIC code

What MCCFFRP1 means for a payment to Macif-Mutualite

MCCFFRP1 and MCCFFRP1XXX are two spellings of the same SWIFT/BIC code, and both lead to Macif-Mutualite in Paris. A SWIFT code shows every bank in the chain which institution should receive the money, much like a postcode for banks. It comes up mainly when dealing with payments that cross a border or a currency.

On this page you can read how the code is put together, when it matters and which other details a transfer to or from Macif-Mutualite requires. A SWIFT code names an institution, never a specific account, which is why you always need the account number too.

Head office or branch code at Macif-Mutualite?

Our database contains 6 SWIFT/BIC codes for Macif-Mutualite. Besides the head office code MCCFFRP1XXX, there are codes for branches, departments or specific services.

In most cases there is no need to look up a branch: payments sent to MCCFFRP1XXX reach Macif-Mutualite without problems. If you have been given a specific code, use it as it is rather than swapping it with the head office code.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Codes for branches are more likely to be retired than MCCFFRP1XXX.

Paying Macif-Mutualite in euros within SEPA

Because France is part of the SEPA zone, a euro payment to Macif-Mutualite from within the SEPA area normally requires just an IBAN. Many banks no longer ask for the BIC for these payments.

For anything other than euros and for senders outside SEPA, MCCFFRP1XXX or MCCFFRP1 remains required. If your banking app has a field for the BIC regardless, adding MCCFFRP1 does no harm.

SEPA transfers normally land by the next business day; instant payments are faster if both banks offer them. As long as the payment stays in euros, a SEPA transfer is cheap; it is the conversion that costs money.

How long does an international transfer to Macif-Mutualite take?

How fast a transfer reaches Macif-Mutualite is determined by a few things: the currency, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Weekends and public holidays in either country can add a day or more, since banks do not process on those days. Compliance checks by one of the banks may also add some delay, regardless of the details.

If a transfer seems delayed, contact your bank about the tracking status and the transaction reference so they can trace it along the chain. Keep the payment confirmation until the recipient confirms; it contains the details a bank needs to start a trace.

If a payment has not arrived within the expected time, the person who paid needs to contact the bank that sent it. As a recipient, you can check your statements to see a partial amount.

How up to date is this code?

The directory on GoldexPay draws on public sources. It can happen that a code on this page is no longer current after a merger or reorganisation. Counts and locations come from our own dataset and may differ from what Macif-Mutualite publishes.

For a payment of any size, always check the code with Macif-Mutualite or the recipient. GoldexPay has no connection to Macif-Mutualite; we are a comparison site for money transfers. If you notice a mistake, we welcome a short note via the contact page.

Euro (EUR) and conversion costs

France pays in the Euro. If you send another currency, the amount has to be converted somewhere along the way: by your bank, an intermediary or Macif-Mutualite itself. You rarely see a separate line for that conversion – the cost sits in the rate.

Which bank converts the money matters. Compare how much EUR the recipient gets via different providers.

Exchange rates change all the time – some services let you fix a rate in advance. On larger amounts, a small difference in the rate can be worth more than the fee.

What a transfer from Macif-Mutualite abroad really costs

A bank transfer abroad costs more than the listed fee. On top of the transfer fee, banks in between may deduct a fee, and if the money changes currency the bank usually uses a rate below the actual market rate.

The real cost is often in the rate, rather than in the fee: the bank converts at a rate with a margin built in. Check the rate you are offered against the mid-market rate. The difference is your real conversion cost.

Money transfer services frequently use a rate near the mid-market rate and lower fees. Before your next transfer, it is worth comparing what arrives via GoldexPay rather than accepting the bank’s rate by default. You can still use your account at Macif-Mutualite to fund the transfer, while a cheaper service handles the conversion.

What the XXX in MCCFFRP1XXX means

A SWIFT code is built from fixed blocks: characters one to four identify the bank, the next two show the country and the two after that indicate the location. Combined, these eight characters make up MCCFFRP1, the code most people search for.

XXX at the end of MCCFFRP1XXX does not stand for a placeholder or an error: it indicates the head office of Macif-Mutualite. Certain payment forms insist on 11 characters, and then you simply add XXX after MCCFFRP1.

Type the code as one block, in capitals and without separators, exactly as shown here. A single letter may route a payment to another bank.

Incoming international payments to Macif-Mutualite

For an international payment at Macif-Mutualite, the person paying you has to have not just the BIC. What they need is: your name, account number or IBAN, MCCFFRP1XXX or MCCFFRP1 and, for some countries, your home address.

Certain banks also ask for the name and address of Macif-Mutualite in Paris; it does no harm to include it. A typo in the IBAN is more trouble than you might think, so copy the details from your online banking.

The amount you receive is often lower than what was sent. Intermediary banks may deduct a fee, and when currencies differ, a markup on the rate applies. On invoices, you can agree how the fees are split, so that nobody is left short.

Before you send: check the Macif-Mutualite code

The safest source for a SWIFT code is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. Check that code against MCCFFRP1 here.

An incorrect BIC can cause delays, a returned payment or extra fees. A mistake in the account number is a bigger problem because it can reach the wrong person.

A validity check by your bank only confirms that the code exists – not that it belongs to the person you mean to pay. If your bank offers it, a name check before sending gives extra certainty. When you pay someone new, some people start with a small amount first before sending the rest.

Protect yourself against fake payment requests

A common scam works like this: you receive a message claiming that a supplier has new bank details and that the next payment should go there. The fact that MCCFFRP1 exists is no guarantee that the account is genuine; criminals use the codes of real banks too.

Do not rely on contact details in the same message that announces the change. Urgency or secrecy are red flags; a genuine business can wait for you to check. Already paid? Call the bank you paid from without delay and ask them to try to recall the payment; also report it to the police.

Scams can also target the receiver. Someone sends too much and asks you to refund the difference. Wait until the money has really arrived and check with Macif-Mutualite if anything seems off.