Mobilis Banque SWIFT/BIC code

What CAVNFR21 means for a payment to Mobilis Banque

Whether a recipient gives you CAVNFR21 or CAVNFR21XXX, you are looking at the identical address for Mobilis Banque in France. A BIC does one job: it makes sure that an international payment ends up at the right bank. In practice you mostly see it on international invoices, in payment forms and on the account details that Mobilis Banque provides.

This page is meant to help people who pays into an account at Mobilis Banque. Remember that the SWIFT code only identifies the bank, not the account: the IBAN or account number does that part.

Paying someone abroad from your Mobilis Banque account

An international bank payment costs more than the listed fee. There is the transfer fee, possibly fees charged by intermediary banks along the way and, most importantly, the margin on the exchange rate.

Most of the cost usually sits in the exchange rate: many banks convert at a rate with a margin built in. An easy check: put the bank’s rate next to the mid-market rate and look at the difference.

For a lot of currency pairs, a specialist provider is less expensive than a traditional bank transfer. On GoldexPay we compare the amount that arrives across providers, so you can pick the cheapest route. Using a transfer service does not require closing your account at Mobilis Banque: you simply pay the service from your account.

CAVNFR21 or CAVNFR21XXX – which one to use?

The layout of every SWIFT code never changes: four characters for the institution, a two-letter country code and a two-character location code. That gives you CAVNFR21, the short form of the code.

XXX at the end of CAVNFR21XXX does not stand for a placeholder or a mistake: it stands for the main office of Mobilis Banque. Certain payment forms ask for 11 characters, and then you can enter XXX after CAVNFR21.

Do not add spaces when you type CAVNFR21. Pasting the code is safer than retyping it: a typo can point to another bank.

Head office or branch code at Mobilis Banque?

Mobilis Banque has 3 separate SWIFT/BIC codes. Only one is the head office code, CAVNFR21XXX; the rest belong to branches.

For most payments to a private or business account, the head office code CAVNFR21XXX is what you need. A branch code only makes sense when the recipient’s bank specifically mentions it.

Unsure which code applies? Ask the recipient. Codes are sometimes changed or retired over time.

Incoming international payments to Mobilis Banque

A sender in another country needs several details about your account. Share the account holder’s name, your account number or IBAN, the BIC CAVNFR21XXX and your address, which some banks require.

The sender’s bank may request the address of your bank. Check each detail before you send them – a sender rarely spots a mistake in someone else’s details.

Money from abroad will not always arrive in full. Correspondent banks can take a fee and your own bank may charge for processing, and if the money is converted, a markup on the rate applies. On invoices, you can state who bears the costs.

Is CAVNFR21 still correct? How to check

The most reliable source for a SWIFT code is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. When the code you were given does not match CAVNFR21 or CAVNFR21XXX, stop and ask: check with the recipient or with Mobilis Banque directly.

If the code is wrong, the payment might be delayed, be returned or end up costing more, and tracing it can take weeks. An error in the IBAN or account number is a bigger problem.

An automatic check in your banking app merely tells you that the code is valid. If your bank offers it, a name check on the recipient gives extra certainty. When you pay someone new, some people send a small amount first.

Sending EUR to Mobilis Banque

France pays in the Euro (EUR). If you send money in a different currency gets converted somewhere along the way – by your bank, by Mobilis Banque or by a bank in between. There is rarely a separate charge for the conversion; it is built into the rate.

Who converts the payment makes a difference: every bank has its own margin. Often you pay less to send EUR directly through a transfer service with a good rate, so that the receiving bank does not need to convert again.

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

When will the money arrive at Mobilis Banque?

A SWIFT payment typically needs anywhere from one to several business days. Payments made late in the day or just before a weekend or public holiday often start a business day later. Occasionally a bank asks what the payment is for.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Every payment carries a unique transaction reference, the UETR. Keep the payment confirmation.

If the money does not arrive after a few business days, the sender should contact the bank that sent it rather than Mobilis Banque. Ask the sender for a copy of the payment confirmation; that often settles the question quickly.

Scams that use SWIFT codes

Fraudsters regularly use payment requests containing changed bank details, sometimes in an email that looks completely genuine. That CAVNFR21 is a real code is no guarantee that a request mentioning it is genuine – fraudsters use real bank codes as well.

Before paying, verify changed bank details by phone. Pressure or requests to keep it quiet are warning signs. Acted too fast? Call the bank you paid from straight away and ask them to start a recall.

Scams can also target the receiver: someone claims to have sent too much and asks you to refund the difference to a new account. A payment confirmation from the sender is no proof; only your own account shows what has arrived.

Where our SWIFT data comes from

We gather SWIFT/BIC codes from public sources and check them regularly. Banks reorganise, change names and change codes, and a directory never catches every change immediately. Counts and locations are from our directory.

See the information on this page as a handy check and rely on the recipient or Mobilis Banque for the final confirmation. GoldexPay has no connection to Mobilis Banque. Should you notice a mistake, we appreciate a message.

Do you need CAVNFR21 for a SEPA transfer?

France is part of the SEPA area, the zone for standardised euro payments. When you send euros within SEPA, the IBAN is usually enough.

A SWIFT code like CAVNFR21 does matter for payments in other currencies, and for transfers from outside SEPA. If a payment form asks for the BIC anyway, entering CAVNFR21 does no harm.

Euro payments within SEPA usually arrive by the next business day, and instant transfers in seconds where both banks support them. Charges on SEPA transfers tend to be low, as long as no currency conversion is involved.