Oney Bank SWIFT/BIC code

Oney Bank SWIFT code: BACCFR22

Whether you are given BACCFR22 or BACCFR22XXX, it is the same identifier for Oney Bank in France. The code has a single purpose: it ensures that money from abroad reaches the right bank. You will need it mainly when dealing with transfers between countries or a currency.

This page is meant to help anyone who receives money at an account at Oney Bank. A SWIFT code names a bank or branch, never a specific account; the IBAN or account number does that.

8 or 11 characters: BACCFR22 versus BACCFR22XXX

A SWIFT code is made up of fixed blocks: characters one to four identify the bank, the next two show the country and the two after that indicate the location. The result is BACCFR22 for Oney Bank.

XXX at the end of BACCFR22XXX does not stand for a placeholder or an error: it stands for the main office of Oney Bank. Certain payment forms ask for 11 characters, in which case you simply enter XXX after BACCFR22.

Do not add spaces or dashes when you type BACCFR22 or BACCFR22XXX. Pasting the code is safer than typing it by hand: a typo can point to another bank.

Receiving money from abroad at Oney Bank

For an international payment at Oney Bank, the sender has to have more than the BIC. Give them your name as the bank knows it, your account number or IBAN, the BIC BACCFR22XXX and your address, which some banks require.

It helps to add Oney Bank and its city too. A mistake in your account number can be harder to fix than it looks, so copy the details from your online banking.

The amount you receive can be less than the amount sent. Intermediary banks may deduct a fee, Oney Bank may charge for incoming payments, and if the currency changes, a markup on the rate applies. On invoices, it is common to state how the fees are split.

Before you send: check the Oney Bank code

Have the recipient copy the account details straight from their banking app. Compare that code against BACCFR22 here and ask if anything does not match.

Errors in the BIC are costly rather than disastrous. A mistake in the IBAN or account number is a bigger problem, because the money may be credited to someone else, so check that just as carefully.

An automatic check by your bank only tells you that the IBAN exists, not that it is the right account. More and more banks check the payee name against the account before you confirm. For a first payment, some people start with a small amount first before sending the rest.

Paying someone abroad from your Oney Bank account

The price of an international transfer has several parts. Besides a fixed fee, banks in between may take a cut, and if currencies are converted the bank often uses a rate below the real market rate.

Many banks rarely show their exchange rate markup separately – you only notice it if you compare. A simple test: put the bank’s rate next to the mid-market rate and work out the difference on your amount.

Money transfer services often use rates closer to the mid-market rate and lower fees. Before your next transfer, it is worth comparing the total cost on GoldexPay instead of going straight to your bank. Choosing a specialist does not require closing your account at Oney Bank: you simply pay the service from your account.

Oney Bank: head office code versus branch codes

Our database contains 2 SWIFT/BIC codes for Oney Bank, spread over 1 cities. Besides the head office code BACCFR22XXX, there are codes for individual branches and departments.

In most cases you do not need to pick a branch: payments sent to BACCFR22XXX reach Oney Bank without problems. Only use a branch code when the account holder gives you that exact code, for example on an invoice or in their bank details.

The best way is to copy the code directly from the recipient’s statement. Codes are sometimes changed or retired over time, so a code from an old document is not always valid.

About this information

The codes here come from publicly available data which we refresh regularly. Still, banks merge or change codes. The number of codes on this page are based on what is in our directory.

Use our data as a starting point, rather than as the final word: the recipient’s bank details come first. We are a comparison site for money transfers and not part of Oney Bank. Spotted outdated information? Let us know through the contact page and we will look into it.

Tracking a transfer to or from Oney Bank

How quickly a transfer reaches Oney Bank depends on several factors: which currency you send, how many intermediary banks are involved, cut-off times and differences in time zone. Payments made late in the day or just before weekends and holidays often go out a business day later. Compliance checks by one of the banks can also add some delay.

If the money is delayed, contact the sending bank about the status and the transaction reference so they can trace it along the chain. Money transfer services often provide tracking in their app showing how far the payment has got.

The bank that sent the money is able to request a trace or a recall. On the receiving end, it helps to check your account to see a partial amount, since fees may have been deducted.

Watch out for payment fraud

Stay wary when a contact unexpectedly asks you to pay into a different account abroad. That BACCFR22 is a real code is no guarantee that the account is legitimate – fraudsters use real bank codes as well.

Check changed bank details through a different channel, such as a phone number you already know. Pressure or requests to keep it quiet tend to be warning signs; a genuine business can wait for you to check. If money was sent to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

People receiving money are targeted too: one known trick is an overpayment followed by a request to refund the difference to another account. A payment confirmation from the sender is no proof.

Euro transfers to Oney Bank: is a BIC needed?

Because France is part of the SEPA zone, a euro transfer into Oney Bank from within the SEPA area usually requires just an IBAN. Most banking apps do not require the BIC for these payments.

A SWIFT code like BACCFR22 still matter when the currency is not euros. If a payment form has a field for the BIC anyway, adding BACCFR22 does no harm.

Euro payments within SEPA usually arrive within one business day. Fees for SEPA payments tend to be low.

Euro (EUR) and conversion costs

Most accounts at Oney Bank are typically held in EUR, the national currency. A payment in a foreign currency is converted into EUR before it reaches the account. Every conversion eats into the amount – usually through the rate rather than a fee.

Who converts the money makes a difference. Check how much EUR arrives via several services.

The rate for EUR fluctuates throughout the day, so the amount you see is usually only valid for a short time. With bigger transfers, even small difference in the rate can be worth more than the fee.