Societe Marseillaise de Credit SWIFT/BIC code

SMCTFR2A – the SWIFT/BIC code of Societe Marseillaise de Credit

If an invoice shows SMCTFR2A or SMCTFR2AXXX, it is the identical identifier for Societe Marseillaise de Credit in France. Banks worldwide use these codes to route international transfers to the right institution. In practice you usually come across the code on international invoices, in your banking app and on the account details of Societe Marseillaise de Credit customers.

We wrote this page to help people who pays into an account at Societe Marseillaise de Credit and wants to get the details right. Remember that the BIC only identifies the bank, not the account: the IBAN or account number takes care of that.

Before you send: check the Societe Marseillaise de Credit code

The most reliable place for the correct BIC remains a document from the bank itself like a bank statement or the account page in online banking. If the code you have does not match SMCTFR2A or SMCTFR2AXXX, do not guess.

Mistakes in the BIC tend to be annoying more than disastrous. An error in the account number is more serious because it can reach the wrong person; check it just as carefully.

A validity check by your bank only confirms that the code exists, not that it is the right account. If your bank offers it, a name check before sending gives an extra layer of safety. A small test payment is worth it for a large first payment, even if it costs an extra fee.

Paying someone abroad from your Societe Marseillaise de Credit account

What you pay for a payment abroad is made up of several parts, and the transfer fee is only the most visible one. You pay the transfer fee, sometimes charges from correspondent banks along the way and, most importantly, the margin on the exchange rate if the currency changes.

The markup on the rate is often the largest cost, and it is easy to miss. Compare their rate against the mid-market rate – the rate you find on financial news sites; the gap is what conversion costs you.

For a lot of currency pairs, a transfer service turns out to be cheaper than a bank. GoldexPay lists these services side by side, showing the amount the recipient gets before you commit. You can always use your account at Societe Marseillaise de Credit.

The Euro and what conversion costs you

The currency of France is the Euro (EUR). If you send another currency it has to be converted somewhere along the way – by your bank, by Societe Marseillaise de Credit or by a bank in between. Each conversion costs something, even when no fee is shown.

Who converts the payment makes a difference, because each party uses its own rate. Compare what EUR the recipient gets with several providers; the difference between options can be larger than you expect.

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

Head office or branch code at Societe Marseillaise de Credit?

Societe Marseillaise de Credit has 14 different SWIFT/BIC codes. One of them is the head office code, SMCTFR2AXXX; the others belong to branches.

Unless the recipient tells you otherwise, go with SMCTFR2AXXX. A branch code only makes sense when the account holder explicitly mentions it, which is more common for corporate accounts and specialised services.

The safest route is to copy the code directly from the account holder’s statement. Branch codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

What the XXX in SMCTFR2AXXX means

A BIC is built from fixed blocks: characters one to four stand for the bank, characters five and six give the country and characters seven and eight mark the location. Together, these eight characters make up SMCTFR2A – the version you usually see online.

The 11-character version adds three more characters that identify a branch or department. If the last three are XXX, the code points to the head office.

Enter the code in one piece, in upper case and without spaces. Pasting the code is safer than retyping it: a typo can point to another bank.

Watch out for payment fraud

One of the most common tricks goes like this: an email arrives with a message saying that a company has a new bank account. A real SWIFT code says nothing about whether the request is genuine.

Do not rely on contact details from the same email that contains the new account. Be suspicious of urgent requests, odd spelling or an email address that differs by one letter. Already paid? Call your bank straight away and have them try to recall the payment and report the fraud.

People receiving money can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to refund the difference to another account. A screenshot of a transfer proves nothing – check your own account.

Do you need SMCTFR2A for a SEPA transfer?

France is a member of the Single Euro Payments Area (SEPA), where euro transfers follow common rules. When you send euros from another SEPA country, the IBAN is usually enough; many banks no longer ask for the BIC.

Outside the euro and for senders outside SEPA, SMCTFR2AXXX or SMCTFR2A remains required. If a payment form asks for the BIC regardless, entering SMCTFR2A is fine.

Euro payments within SEPA normally land within one business day, and instant transfers in seconds where both banks support them. Fees for SEPA payments tend to be low.

Tracking a transfer to or from Societe Marseillaise de Credit

There is no single delivery time for every transfer: some land within a day while others need several business days. Payments made after the cut-off time or just before a weekend or public holiday usually go out a business day later. Sometimes a bank wants to know about the purpose of a payment before releasing it.

A growing number of banks are connected to SWIFT gpi for faster and traceable payments. Every payment gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Specialist transfer services often show a status in their app so you can see where the money has got.

If the money does not arrive within the expected time, the person who paid should contact the bank that sent it. Ask the sender for a copy of the payment confirmation; that often settles the question quickly.

Where our SWIFT data comes from

We gather bank codes from public sources and check our list regularly. It is possible that a code on this page is out of date. Counts and locations come from our own dataset.

Treat this page as a starting point, rather than as the final word: the recipient’s bank details come first. GoldexPay is a comparison site for money transfers and not part of Societe Marseillaise de Credit. Spotted outdated information? Tell us through the contact page so we can correct it.

Receiving money from abroad at Societe Marseillaise de Credit

To receive an international payment into your account at Societe Marseillaise de Credit, the person paying you has to have more than the BIC. Share the account holder’s name, your account number or IBAN, the BIC SMCTFR2AXXX and your address, which some banks require.

Their bank might request the bank address of Societe Marseillaise de Credit; the head office in Marseille is usually fine. Check each detail before you send them.

Do not be surprised if the amount credited is below the amount on the sender’s receipt. Fees for incoming transfers differ per bank – the price list of Societe Marseillaise de Credit tells you what applies. Make clear with the sender who covers the fees, especially for larger amounts.