Societe Generale Scf SWIFT/BIC code

GSCFFR22 – the SWIFT/BIC code of Societe Generale Scf

The short code GSCFFR22 and the 11-character code GSCFFR22XXX identify one and the same institution: Societe Generale Scf, with its head office in Puteaux. A SWIFT code tells the banks handling a payment exactly which bank should receive the money, a bit like a postal address for banks. In practice you usually come across it on invoices from abroad, in payment forms and on the account details of Societe Generale Scf customers.

This page is meant to help anyone who pays into an account at Societe Generale Scf. Keep in mind that the BIC only identifies the bank, not the account: the account number or IBAN does that part.

Receiving money from abroad at Societe Generale Scf

For an international payment at Societe Generale Scf, the sender has to have more than the BIC. That means: your name as registered with Societe Generale Scf, your account number or IBAN, the SWIFT/BIC code GSCFFR22XXX and usually your address.

The sender’s bank might also ask for the bank address of Societe Generale Scf; the head office in Puteaux is usually fine. Double-check every detail before you send them, because the sender’s bank usually copies them as is.

Expect that the incoming amount is smaller than the amount on the sender’s receipt. Correspondent banks can take a fee, Societe Generale Scf may charge for incoming payments, and if the currency changes, an exchange rate margin comes on top. On invoices, it is common to state how the fees are split.

Choosing between the 3 SWIFT codes of Societe Generale Scf

Having 3 codes, Societe Generale Scf is one of the banks that register separate codes for parts of the organisation. The main code remains GSCFFR22XXX.

For the vast majority of payments to a private or business account, the head office code GSCFFR22XXX is what you need. If you have been given a specific code, stick to it rather than replacing it with the head office code.

The safest route is to take the code directly from the recipient’s invoice. Branch codes are sometimes changed or retired over time.

SEPA payments and the Societe Generale Scf BIC

Inside SEPA, euro payments to an account in France use common rules and in most cases need only the IBAN. The BIC field is often optional in that case.

You will still need GSCFFR22XXX for non-euro payments or transfers from countries outside SEPA. If a payment form has a field for the BIC anyway, entering GSCFFR22 does no harm.

Instant euro transfers are increasingly available across SEPA – whether Societe Generale Scf offers them for your account is worth checking. Charges on SEPA payments are generally low as long as everything stays in euros.

When will the money arrive at Societe Generale Scf?

An international transfer typically takes one to a few business days – it depends on currency, route and the banks in between. Payments made after the cut-off time or just before weekends and holidays often go out a business day later. Sometimes a bank asks about the purpose of a payment, which can hold things up.

A growing number of banks use SWIFT gpi. Every payment gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Money transfer services often provide a status online showing how far the money is.

The bank that sent the money is able to start an official trace. Request from the sender the payment receipt with the date and reference; that often settles the question quickly.

GSCFFR22 or GSCFFR22XXX – which one to use?

The structure of a BIC never changes: a bank code of four letters, two for the country and a two-character location code, plus an optional branch code. The result is GSCFFR22 for Societe Generale Scf.

The full version adds a three-character extension for a branch or department. When those three characters are XXX, they simply mean the head office.

Type the code in one piece, in upper case and without separators. Copying the code is safer than typing it by hand.

Sending EUR to Societe Generale Scf

The local currency of France is the Euro (EUR). A payment in a foreign currency is converted into EUR, and whoever converts it chooses the rate. There is rarely a separate charge for that conversion.

Where the conversion happens has an effect on how much arrives. Often it is cheaper if you send EUR straight away through a provider with a good rate rather than letting the receiving bank convert.

Rates for EUR move all the time, and some providers let you lock in a rate. With bigger transfers, even seemingly small gap in the rate adds up quickly.

About this information

We collect SWIFT/BIC codes using public sources and update our list regularly. It can happen that a code here is out of date, for example after a merger. Counts and locations come from our own dataset.

For a payment of any size, confirm the BIC with Societe Generale Scf or with the recipient. GoldexPay is a comparison site for money transfers and not part of Societe Generale Scf. Should you notice a mistake, we welcome a short note via the contact page.

Paying someone abroad from your Societe Generale Scf account

What you pay for an international transfer is made up of more than one component, and the transfer fee is only the most visible one. You pay the fee for the transfer itself, sometimes fees charged by intermediary banks along the way and, most importantly, the exchange rate markup.

Most of the cost usually sits in the exchange rate: the bank converts using an exchange rate that includes a margin. Check their rate against the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

Money transfer services often offer rates closer to the mid-market rate and lower fees. Next time you send money, take a minute to compare the total cost on GoldexPay. You can always use your account at Societe Generale Scf to fund the transfer, while a cheaper service handles the conversion.

Protect yourself against fake payment requests

One of the most common tricks goes like this: you receive a request saying that a supplier now has new bank details and asking you to pay there from now on. A real SWIFT code tells you nothing about whether the request is genuine.

Never rely on a phone number in the same message that contains the change. Urgency and requests to keep it quiet are red flags; a genuine business can wait for you to check. If money has already gone to the wrong account, contact your bank immediately: the sooner they act, the better the chance of a recall.

People receiving money can be targeted as well: one known trick is an overpayment and then sends a request to refund the difference abroad. Do not act before the money is actually in your account.

Is GSCFFR22 still correct? How to check

The safest source for the BIC is the bank details provided by the recipient. When the code you were given does not match GSCFFR22 or GSCFFR22XXX, stop and ask: check with the recipient or with Societe Generale Scf directly.

An incorrect BIC can cause a delay, a returned payment or additional charges for investigation. An error in the account number is more serious because it can reach the wrong person; check it just as carefully.

Many banking apps validate the structure 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. When you pay someone new, some people send a small amount first.