Thiriet Gestion SWIFT/BIC code

SWIFT/BIC code of Thiriet Gestion

Whether a recipient gives you THGEFRP1 or THGEFRP1XXX, it is the same address for Thiriet Gestion in France. A BIC does one job: it makes sure that an international payment reaches the right bank. In practice you usually see the code on invoices from abroad, in your banking app and in the bank details of Thiriet Gestion customers.

This page is meant to help people who sends money to an account at Thiriet Gestion without mistakes. The SWIFT code alone cannot identify a personal account; that is what the account number or IBAN is for.

Is THGEFRP1 still correct? How to check

Ask the recipient to send you the bank details directly from a recent statement. When the code you were given differs from THGEFRP1 or THGEFRP1XXX, stop and ask.

With a wrong code, the transfer may be delayed, be returned or cost extra, and tracing it can take weeks. An error in the IBAN or account number can be a bigger problem because it can reach the wrong person.

Many banking apps check the structure of an IBAN and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. Where available, a name check on the recipient gives an extra layer of safety. Sending a small amount first is worth it for large sums.

Why Thiriet Gestion has an 8- and an 11-character code

Every SWIFT/BIC code has an 8-character core: four letters for the bank, two letters for the country and two characters for the location. Combined, those parts make up THGEFRP1.

The full version has a three-character extension for a branch or department. If the last three are XXX, they simply mean the head office, which is why THGEFRP1XXX and THGEFRP1 lead to the same place.

Leave out spaces, dots when you enter THGEFRP1; the code is always written in one block. A wrong letter may route the money to a different institution, so check it twice.

Incoming international payments to Thiriet Gestion

Someone abroad who wants to pay you will ask for a few details from you, and missing ones are a common cause of delays. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the BIC THGEFRP1XXX and sometimes your postal address.

Certain banks want the bank’s address. A typo in your account number is harder to fix than you might think.

Expect that the amount credited is smaller than the amount on the sender’s receipt. Correspondent banks can take a fee, and if the money is converted, an exchange rate margin applies. On invoices, you can state how the fees are split.

Do you need THGEFRP1 for a SEPA transfer?

Since France is part of SEPA, a euro transfer into Thiriet Gestion from another SEPA country usually only needs an IBAN. Most banking apps no longer ask for the BIC for these payments or fill it in for you.

A SWIFT code like THGEFRP1 does come into play when the currency is not euros, and for transfers from outside SEPA. Some banks and apps still show a field for the BIC out of habit; if so, fill in THGEFRP1 or THGEFRP1XXX.

Instant payments in euros are increasingly supported within SEPA – whether Thiriet Gestion offers them for your account is worth checking. Charges on SEPA transfers are generally low, as long as no currency conversion is involved.

Paying someone abroad from your Thiriet Gestion account

What you pay for a payment abroad has more than one component – not just the fee on your screen. On top of a fixed fee, correspondent or intermediary banks may deduct a fee, and if the money changes currency the bank often applies a rate that is less favourable than the actual market rate.

Most of the cost usually sits in the exchange rate, not in the fee: the bank converts at a rate that includes a margin. Compare the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites; the gap is what conversion costs you.

For many routes, a specialist provider is cheaper than a bank, mainly because of the exchange rate. Next time you send money, it is worth comparing what arrives on GoldexPay instead of going straight to your bank. Using a transfer service does not require closing your account at Thiriet Gestion: you simply pay the service from your account.

Which of the 2 codes of Thiriet Gestion do you need?

Thiriet Gestion uses 2 different SWIFT/BIC codes. One of them is the head office code; the others belong to branches, and sometimes internal departments.

Unless the recipient tells you otherwise, go with THGEFRP1XXX. If you have been given a specific code, use it as it is rather than swapping it for the head office code.

If you are not sure, check with the recipient for the exact BIC in their bank details. Branch codes are more likely to change than the head office code when a bank merges or closes offices.

Euro (EUR) and conversion costs

The national currency in France is the Euro (EUR). If you send money in a different currency it gets converted somewhere along the way. Every conversion eats into the amount, even when no fee is shown.

Who converts the money makes a difference: every bank has its own margin. Sending the amount directly in EUR often avoids an extra conversion – as long as your own rate is good.

Rates for EUR change all the time. For recurring payments, small differences in the rate add up over a year.

Where our SWIFT data comes from

The directory on GoldexPay draws on public sources. Banks merge, close branches and retire codes – a directory can be a step behind. Figures such as the number of codes come from our directory.

Before any payment of any size, always confirm the BIC with Thiriet Gestion or the recipient. We are an independent comparison site and not part of Thiriet Gestion. If you notice a mistake, we welcome a message.

Watch out for payment fraud

Stay alert when a contact unexpectedly wants you to send money to a different account abroad. That THGEFRP1 is a real code does not mean that a request mentioning it is genuine; criminals use the codes of real banks too.

Before paying, confirm a change of bank details by phone, using a number you already had. Pressure or requests to keep it quiet are red flags. When money has already gone to a fraudster, contact your bank immediately.

Scams also work the other way. Someone sends more than agreed and asks you to refund the difference. A screenshot of a transfer is no proof; only your own account shows what has arrived.

When will the money arrive at Thiriet Gestion?

How fast a payment reaches Thiriet Gestion depends on a few things: the currency, how many intermediary banks are involved, cut-off times and time zones. Payments made after the cut-off time or just before weekends and holidays usually go out a business day later. Occasionally a bank asks about the purpose of a payment before releasing it.

Many banks are connected to SWIFT gpi. Every gpi transfer gets a unique transaction reference, the UETR. Save your transfer receipt; it contains the details a bank needs to start a trace.

If the money does not arrive within the expected time, the sender should contact the bank that sent it, not the receiving bank. As a recipient, you can check your statements for a slightly lower amount, since fees may have been deducted.