Morgan Stanley (France) S.A. SWIFT/BIC code

MSFRFRCP – the SWIFT/BIC code of Morgan Stanley (France) S.A.

Whether you are given MSFRFRCP or MSFRFRCPXXX, it is the identical address for Morgan Stanley (France) S.A. in France. The code has a single purpose: it ensures that a cross-border transfer reaches the right bank. It comes up mostly when dealing with transfers between countries.

On this page you will find how the code means, when you need it and which other details a transfer to or from Morgan Stanley (France) S.A. requires. Keep in mind that the BIC only identifies the bank, not the person: the account number or IBAN takes care of that.

Morgan Stanley (France) S.A.: head office code versus branch codes

Our database contains 2 SWIFT/BIC codes for Morgan Stanley (France) S.A. in 1 cities. Next to the head office code MSFRFRCPXXX, there are codes for branches, departments or specific services.

For the vast majority of payments to a private or business account, the head office code MSFRFRCPXXX is what you need. Just use a branch code when the account holder gives you that exact code, for example on a letter or invoice.

Unsure which code to use? Ask the recipient, or look at a recent statement from Morgan Stanley (France) S.A.. Codes are sometimes changed or retired when banks reorganise.

Incoming international payments to Morgan Stanley (France) S.A.

If you expect a payment from another country, give the sender all details at once. In practice that means: your name as registered with Morgan Stanley (France) S.A., your account number or IBAN, the BIC MSFRFRCPXXX and usually your postal address.

You can add Morgan Stanley (France) S.A. and Paris as well, because some payment forms have separate fields for them. Check every detail before you send them.

What lands in your account can be less than what was sent. Charges on incoming payments vary from bank to bank – the price list of Morgan Stanley (France) S.A. tells you what applies. For business payments, you can agree how the fees are split, so that nobody is left short.

Do you need MSFRFRCP for a SEPA transfer?

France belongs to the SEPA area, where euro transfers follow common rules. When you send euros from another SEPA country, the IBAN is usually enough.

The BIC does come into play when the currency is not euros. If your banking app asks for the BIC regardless, adding MSFRFRCP does no harm.

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

A note on our data

The directory on GoldexPay is based on public sources. It is possible that a code here is out of date. Figures such as the number of codes are from our own dataset.

Treat this page as a starting point, rather than as the last word: the recipient’s bank details come first. GoldexPay is an independent comparison service for money transfers and not part of Morgan Stanley (France) S.A.. Spotted outdated information? Tell us via our contact form so we can correct it.

Before you send: check the Morgan Stanley (France) S.A. code

The safest source for a SWIFT code is the recipient’s own bank details: an invoice, a bank statement or their online banking. Check it with MSFRFRCP here and ask if anything does not match.

Errors in the BIC are costly more than fatal. A mistake in the IBAN or account number is a bigger problem, because the money may be credited to someone else; check it just as carefully.

Many banking apps check the format of an IBAN and sometimes look up the BIC automatically – that confirms the format, not the owner. More and more banks check the payee name with the account before you confirm. Sending a small amount first can be worth it for large sums.

Sending EUR to Morgan Stanley (France) S.A.

France pays in the Euro, with the currency code EUR. A payment in a foreign currency is converted into EUR. Each conversion eats into something – usually through the rate rather than a fee.

Which bank converts the payment matters: every bank has its own margin. Transferring the amount directly in EUR usually avoids a second conversion – as long as your own rate is good.

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

Why Morgan Stanley (France) S.A. has an 8- and an 11-character code

A BIC is made up of fixed blocks: the first four letters identify the bank, characters five and six show the country and the two after that mark the location. Combined, those parts form MSFRFRCP, the code most people search for.

XXX at the end of MSFRFRCPXXX does not stand for a missing value or an error: it stands for the main office of Morgan Stanley (France) S.A.. Some forms insist on 11 characters, and then you simply add XXX after MSFRFRCP.

In practice the code is typed in capitals, without spaces or dashes. Look out for the letter O and the digit 0 or the letter I and the digit 1.

Tracking a transfer to or from Morgan Stanley (France) S.A.

How fast a transfer reaches Morgan Stanley (France) S.A. is determined by a few things: the currency, the number of banks in between, daily processing deadlines and time zones. Transfers sent after the cut-off time or just before a weekend or public holiday often go out the next business day. Extra checks on larger or unusual payments can also cause some delay.

When a payment takes longer than expected, contact the sending bank for the tracking status so they can trace it along the chain. Keep the payment confirmation; it contains the details a bank needs to start a trace.

If a payment has not arrived within the expected time, the sender should start with the bank that sent it rather than Morgan Stanley (France) S.A.. On the receiving end, it helps to check your account to see a slightly lower amount, since fees may have been deducted.

Protect yourself against fake payment requests

Fraudsters regularly use payment requests containing changed bank details. A real SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Verify changed payment details via a separate channel, such as a phone number you already know, never via the email that asked for the change. Watch out for urgent requests, unusual wording or a sender address that is slightly off. Already paid? Call your bank without delay and ask them to try to recall the payment and report the fraud.

Fraud also target the receiver: someone claims to have sent too much and asks you to refund the difference via a different route. A payment confirmation from the sender proves nothing.

Sending money abroad from Morgan Stanley (France) S.A.

If you transfer money to another country through Morgan Stanley (France) S.A., the visible fee is rarely all of what you pay. On top of the transfer fee, correspondent or intermediary banks can take a cut, and when the money changes currency the bank usually uses a rate that is less favourable than the actual market rate.

Most of the cost usually sits in the exchange rate, not in the fee: many banks convert at a rate that includes a margin. A simple test: put the rate you get against the mid-market rate and work out the difference on your amount.

For many routes, a specialist provider is less expensive than a bank. GoldexPay compares what recipients receive across providers. Choosing a specialist does not require leaving Morgan Stanley (France) S.A. – you pay the provider from your own account.