Phillimore SWIFT/BIC code

SWIFT/BIC code of Phillimore

The 8-character code PHLLFRP1 and the full code PHLLFRP1XXX refer to the same bank: Phillimore, with its head office in Paris. A SWIFT code tells the sending bank which institution should receive the money, much like a postcode for banks. You will need it mostly for payments that cross a border or a currency.

We wrote this page to help anyone who pays into an account at Phillimore. The SWIFT code alone cannot identify a personal account; for that you need the IBAN or account number is for.

Euro transfers to Phillimore: is a BIC needed?

Inside SEPA, euro payments to an account in France use common rules. The BIC field is often optional for those payments.

Outside the euro and from non-SEPA countries, PHLLFRP1XXX remains required. A few forms also ask for the BIC out of habit; in that case, enter PHLLFRP1.

Euro payments within SEPA usually arrive by the next business day; instant payments are faster if both banks offer them. Charges on SEPA payments tend to be low.

Head office or branch code at Phillimore?

Our database contains 2 SWIFT/BIC codes for Phillimore, spread over 1 locations. Besides the head office code PHLLFRP1XXX, there are codes for branches, departments or specific services.

Usually there is no need to look up a branch: transfers addressed to PHLLFRP1XXX are routed within Phillimore correctly. Only use a branch code when the recipient explicitly asks for it, for example on an invoice or in their bank details.

Not sure which code applies? Check with the recipient or the bank itself. Branch codes are more prone to change than PHLLFRP1XXX when a bank merges or closes offices.

Paying into Phillimore in EUR

France pays in the Euro, code EUR. When you pay another currency it gets converted at some point – by your bank, by Phillimore or by a bank in between. There is rarely a separate line for the conversion – the cost sits in the rate.

Which bank converts the payment matters. Sending the amount directly in EUR often avoids an extra conversion by Phillimore.

Exchange rates change during the day, and some providers let you lock in a rate. On larger amounts, a small difference in the rate can be worth more than the fee.

Where our SWIFT data comes from

We gather bank codes from publicly available data and check our list regularly. Institutions reorganise, change names and retire codes – a directory can be a step behind. The number of codes on this page are based on what is in our directory and not on information from Phillimore itself.

Treat this page as a reference, rather than as the final word – the bank details from the recipient are leading. We are an independent comparison site and not affiliated with Phillimore. Spotted outdated information? Let us know via our contact form and we will look into it.

Tracking a transfer to or from Phillimore

How fast a payment arrives at Phillimore depends on several factors: the currency, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Weekends and public holidays in the sending or receiving country can add extra days to the journey. Occasionally a bank wants to know about the purpose of a payment.

When a payment takes longer than expected, ask your bank about the tracking status so they can trace it along the chain. Specialist transfer services usually show tracking in their app showing how far the money has got.

A missing payment has to be investigated by the sending bank, using the payment confirmation. As a recipient, you can look at your account to see a slightly lower amount because fees can reduce the amount.

Sending money abroad from Phillimore

An international bank payment costs rather more than the listed fee. Besides a fixed fee, banks in between can take a cut, and when the money changes currency the bank usually applies a rate below the actual market rate.

The real cost is often in the rate, not in the fee: many banks convert at a rate that includes a margin. Check their rate against the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

Specialised transfer providers often use a rate near the mid-market rate. GoldexPay lists these services next to each other so you can see the amount the recipient gets before you commit. Using a transfer service does not mean leaving Phillimore – you pay the provider from your own account.

Is PHLLFRP1 still correct? How to check

The safest source for the BIC is the recipient’s own bank details: an invoice, a bank statement or their online banking. Check that code with PHLLFRP1 here.

With a wrong code, the payment might be delayed, be returned or end up costing more – sometimes after weeks of searching. Do not forget the account number: a mistake there is harder to undo than a wrong BIC.

A validity check in your banking app only tells you that the IBAN exists, not that it is the right account. Some banks now check the payee name against the account; take any warning seriously. Sending a small amount first can be a sensible step for large sums.

What to give a sender who pays you at Phillimore

If you expect a payment from another country, send the payer everything they need in one go. Share the account holder’s name, your account number or IBAN, the BIC PHLLFRP1XXX and your address.

It helps to include Phillimore and Paris too, because some payment forms have separate fields for them. A mistake in the IBAN is more trouble than you might think; copy them from your banking app rather than typing.

The amount you receive is often less than what was sent. Correspondent banks can take a fee, Phillimore may charge for incoming payments, and if the money is converted, a markup on the rate applies. Make clear with the sender who covers the fees.

Changed bank details? Be careful

Criminals regularly send fake invoices containing changed bank details. A real SWIFT code tells you nothing about who owns the account.

Always verify a change of bank details by phone on a number you know, not one from the message. Watch out for time pressure, odd spelling or a sender address that is slightly off. Acted too fast? Contact your bank straight away and have them try to recall the payment.

Scams also work the other way: someone sends more than agreed and wants you to return the difference via a different route. Do not act before the money has really arrived and check with Phillimore if anything seems off.

PHLLFRP1 or PHLLFRP1XXX – which one to use?

A BIC is built from a few fixed parts: characters one to four stand for the bank, the next two show the country and the two after that indicate the location. The result is PHLLFRP1, the short form of the code.

XXX at the end of PHLLFRP1XXX is not a placeholder or a mistake: it stands for the head office of Phillimore. Some banking apps insist on 11 characters, and then you simply add XXX after PHLLFRP1.

Enter the code in one piece, in capitals and without spaces. Watch for O versus 0 and the letter I and the digit 1.