Stet SAS SWIFT/BIC code

What STTSFRP1 means for a payment to Stet SAS

The 8-character code STTSFRP1 and the full code STTSFRP1XXX refer to one and the same institution: Stet SAS in Paris, France. A SWIFT code tells every bank in the chain exactly which bank is meant to get the money, much like a postcode for banks. It comes up mostly for payments that cross a border and payments in foreign currencies.

This page is meant to help anyone who receives money at an account at Stet SAS without mistakes. Keep in mind that the SWIFT code only identifies the bank, not the account: the account number or IBAN does that part.

Euro transfers to Stet SAS: is a BIC needed?

Within the SEPA zone, euro payments to Stet SAS use common rules and in most cases need only the IBAN. The BIC field is usually optional or missing in that case.

For anything other than euros and for senders outside SEPA, STTSFRP1XXX or STTSFRP1 remains part of the payment details. If your banking app asks for the BIC anyway, adding STTSFRP1 is fine.

Instant payments in euros are widely available within SEPA. Charges on SEPA payments tend to be low as long as everything stays in euros.

STTSFRP1 or STTSFRP1XXX – which one to use?

The layout of every SWIFT code is always the same: a bank code of four letters, a two-letter country code and two for the location. For Stet SAS, that core is STTSFRP1.

Many banks and apps accept both lengths. If yours requires eleven characters, enter STTSFRP1XXX; if it wants eight, use STTSFRP1.

Type the code as one block, in upper case and without spaces, exactly as shown here. A wrong character may route a payment to a different institution.

Where our SWIFT data comes from

The codes here are taken from public sources. Still, banks merge, rename themselves or change codes, so information can be out of date. Figures such as the number of codes are from our own dataset and may differ from what Stet SAS publishes.

Before a payment that matters, check the BIC with the recipient’s bank or the recipient. GoldexPay has no connection to Stet SAS; we are a comparison site for money transfers. Found outdated information? Let us know via our contact form.

Incoming international payments to Stet SAS

For an international payment at Stet SAS, the person paying you needs more than the BIC. What they need is: the account holder’s name, account number or IBAN, STTSFRP1XXX and often your home address.

Certain banks want the address of Stet SAS in Paris, so keep it at hand. A typo in the IBAN can be harder to fix than it looks.

The amount you receive can be lower than the amount sent. Intermediary banks may deduct a fee, Stet SAS may charge for incoming payments, and if the money is converted, a markup on the rate applies. Agree with the sender who pays which costs.

When will the money arrive at Stet SAS?

There is no single delivery time: many arrive within a day. Payments made late in the day or on weekends and holidays usually start the next business day. Compliance checks on larger or unusual payments may also add a delay, regardless of the details.

When a payment takes longer than expected, contact the sending bank about the tracking status; with that reference banks can see where the payment is. Keep the payment confirmation; it contains the details a bank needs to start a trace.

Only the sending bank can request a trace – the recipient’s bank often cannot see a payment that has not arrived. As a recipient, you can look at your account to see a partial amount.

Head office or branch code at Stet SAS?

Our database contains 7 SWIFT/BIC codes for Stet SAS, spread over 2 locations. Next to the head office code STTSFRP1XXX, there are codes for regional offices and specialised units.

For the vast majority of incoming transfers, the head office code STTSFRP1XXX is the right choice. A branch code only makes sense when the account holder specifically asks for it, which is more common for business accounts and specialised services.

When in doubt, check with the recipient for the exact BIC in their bank details. Branch codes can change when banks reorganise.

Verifying the SWIFT code of Stet SAS

Have the recipient send you their bank details directly from a recent statement. Compare it against STTSFRP1 here; if they differ, ask before you pay.

Errors in the SWIFT code are costly more than disastrous – usually the money comes back, minus fees and time lost. Do not forget the IBAN: a mistake there is harder to correct than a wrong BIC.

A validity check in your banking app merely tells you that the IBAN is valid – not that it belongs to the person you mean to pay. Some banks now compare the name against the account; take any warning seriously. For a first payment, some people send a small amount first.

What a transfer from Stet SAS abroad really costs

The price of a payment abroad is made up of more than one component – not just the fee on your screen. You pay the fee for the transfer itself, possibly charges from correspondent banks along the way and, above all, the exchange rate markup.

The real cost is often in the rate, rather than in the fee: the bank converts using an exchange rate that includes a margin. An easy check: set the bank’s rate against the mid-market rate and look at the difference.

Specialist money transfer services often use a rate near the mid-market rate and lower fees. Before your next transfer, take a minute to compare what arrives on GoldexPay rather than accepting the bank’s rate by default. You can always use your account at Stet SAS as the source of the money.

Changed bank details? Be careful

Be wary when someone suddenly wants you to send money to a different account or a bank in another country. A correct SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Always confirm changed bank details by phone on a number you know, not one from the message. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. If a payment was sent to a fraudster, contact your bank immediately.

Fraud also work the other way: someone sends too much and wants you to refund the difference via a different route. A screenshot of a transfer is no proof.

Sending EUR to Stet SAS

The national currency of France is the Euro (EUR). A payment in a foreign currency is exchanged into EUR on its way to Stet SAS. Each conversion eats into the amount.

Where the conversion happens affects the final amount, since every bank sets its own rate. Compare how much EUR arrives via different providers.

The EUR rate fluctuates throughout the day. On larger amounts, even seemingly small difference in the rate can be worth more than the fee.