Macifilia SA SWIFT/BIC code

SWIFT/BIC code of Macifilia SA

The 8-character code MATAFR21 and the 11-character code MATAFR21XXX identify the same bank: Macifilia SA, with its head office in Niort. Banks worldwide use BIC codes to direct international transfers to the right institution. In daily life you mostly come across the code on invoices from abroad, in payment forms and in the bank details of Macifilia SA customers.

On this page we explain what the code means, when you need it and what else you need for a transfer to or from Macifilia SA. Remember that the BIC only identifies the bank, not the person: the IBAN or account number does that part.

How to check MATAFR21 before you pay

The best place to find the right code remains a document from the bank itself, such as a statement or the account details in online banking. Check that code with MATAFR21 here.

An incorrect BIC may lead to delays, a payment being sent back or extra fees for investigation. Do not forget the IBAN: a mistake there is more difficult to correct than a wrong code.

Most online banking apps check the structure of IBANs and some suggest the matching BIC, but that does not prove the account belongs to the right person. If your bank offers it, a name check on the recipient adds an extra layer of safety. A small test payment is worth it for a large first payment.

How up to date is this code?

The codes on this page come from public sources. Even so, banks merge, rename themselves or retire codes, so information can be out of date. Figures such as the number of codes come from our directory and are not confirmed by Macifilia SA.

See our directory on this page as a handy check and rely on the recipient or Macifilia SA for the final confirmation. GoldexPay is independent of Macifilia SA; we are a comparison site for money transfers. Should you notice a mistake, we welcome a message.

Paying Macifilia SA in euros within SEPA

Because France is in the SEPA zone, a euro payment into Macifilia SA from within the SEPA area usually requires just an IBAN. Most banking apps do not require the BIC for these payments.

For anything other than euros and from non-SEPA countries, MATAFR21XXX or MATAFR21 remains part of the payment details. Some banks and apps also show a field for the BIC; if so, enter MATAFR21.

SEPA transfers usually arrive within one business day. Provided the payment stays in euros, a SEPA transfer tends to be inexpensive; costs rise once a conversion is involved.

Protect yourself against fake payment requests

Stay wary if a contact suddenly asks you to send money to a different account or a bank in another country. A correct SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Always confirm a change of bank details through a phone call. Urgency or secrecy are red flags; a genuine business can wait for you to check. Acted too fast? Contact your bank straight away and have them try to recall the payment and report the fraud.

Recipients are targeted too: one known trick is an overpayment followed by a request to refund the difference to another account. Wait until the money has really arrived – ask Macifilia SA if something looks wrong.

Incoming international payments to Macifilia SA

When you are waiting for money from abroad, give the sender a complete set of details. Give them your name as the bank knows it, your account number or IBAN, the BIC MATAFR21XXX and your address, which some banks require.

Certain banks want the bank’s address, so keep it at hand. A mistake in your account number is harder to fix than you might think; copy them from your banking app rather than typing.

The amount you receive can be lower than the amount sent. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate applies. Make clear with the sender who covers the fees, especially for larger amounts.

The Euro and what conversion costs you

Most accounts at Macifilia SA are typically held in EUR, the national currency. If you send money in a different currency, the amount gets converted at some point. Every conversion eats into the amount.

Where the conversion happens has an effect on how much arrives. Sending the amount directly in EUR often prevents a second conversion by Macifilia SA.

Exchange rates move all the time – some services let you fix a rate in advance. If you pay regularly, small differences in the rate make a real difference over a year.

Paying someone abroad from your Macifilia SA account

A bank transfer abroad costs rather more than the fee suggests. Besides a fixed fee, banks in between may deduct a fee, and if currencies are converted, the bank usually applies a rate below the actual market rate.

The markup on the rate tends to be the biggest item because it is hidden in the rate. Compare the rate you are offered against the mid-market rate – the rate you find on financial news sites.

For a lot of currency pairs, a transfer service turns out to be cheaper than a traditional bank transfer – mostly thanks to the rate. Next time you send money, it is worth comparing what arrives via GoldexPay rather than accepting the bank’s rate by default. You can always use your account at Macifilia SA as the source of the money, while a cheaper service handles the conversion.

Tracking a transfer to or from Macifilia SA

How fast a transfer arrives at Macifilia SA depends on several factors: which currency you send, how many intermediary banks are involved, cut-off times and differences in time zone. Bank holidays in the sending or receiving country can add extra days, since banks do not process on those days. Extra checks by one of the banks can also add some delay, even when all details are correct.

A growing number of banks are connected to SWIFT gpi. Each gpi transfer carries a unique transaction reference, the UETR. Specialist transfer services often show tracking in their app so you can see how far the payment has got.

The bank that sent the money is able to request a trace; the receiving side usually has nothing to trace yet. Ask the sender for a copy of the payment confirmation – it helps your own bank look for the money.

Why Macifilia SA has an 8- and an 11-character code

The layout of a BIC is always the same: a bank code of four letters, a two-letter country code and a two-character location code, plus an optional branch code. Together, those parts form MATAFR21.

Many banks and apps accept either length. If yours requires eleven characters, use MATAFR21XXX, otherwise MATAFR21 is fine.

Do not add spaces when you type MATAFR21 or MATAFR21XXX. Look out for O versus 0 or the letter I and the digit 1; they are easy to mix up.

Macifilia SA: head office code versus branch codes

With 6 codes, Macifilia SA belongs to the banks that register individual codes for parts of the organisation and departments. The head office code remains MATAFR21XXX.

For the vast majority of incoming transfers, the head office code MATAFR21XXX is what you need. Just use a branch code when the recipient gives you that exact code.

If you are not sure, check with the recipient for the exact BIC in their bank details. Codes for branches are more likely to change than MATAFR21XXX when a bank merges or closes offices.