Credit Agricole SWIFT/BIC code

SWIFT/BIC code of Credit Agricole

AGRIGFG1 and AGRIGFG1XXX are the short and the long form of the same SWIFT/BIC code, and both point to Credit Agricole in Cayenne. A SWIFT code tells the sending bank which institution is meant to get the money. In daily life you usually see it on international invoices, in your banking app and on the account details of Credit Agricole customers.

On this page we explain what the code means, when it matters and what else you need for a transfer to or from Credit Agricole. Keep in mind that the SWIFT code just identifies the bank, not the person: the account number or IBAN takes care of that.

When will the money arrive at Credit Agricole?

How fast a payment arrives at Credit Agricole depends on several factors: which currency you send, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Bank holidays in either country can add extra days, since banks do not process on those days. Extra checks on larger or unusual payments may also cause some delay, even when all details are correct.

Many banks are connected to SWIFT gpi for faster and traceable payments. Each payment gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Save the payment confirmation until the recipient confirms – you will need it for any trace request.

Only the sending bank can start an official trace – the recipient’s bank often cannot see a payment that has not arrived. Request from the sender a copy of the payment confirmation including the reference.

AGRIGFG1 or AGRIGFG1XXX – 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, sometimes followed by a branch code. For Credit Agricole, that core is AGRIGFG1.

Most banks and apps accept both lengths. If a form asks for eleven characters, use AGRIGFG1XXX, otherwise AGRIGFG1 is fine.

Enter the code as one block, in capitals and without separators. A single character can send a payment to a different institution, so copy it carefully.

Credit Agricole: head office code versus branch codes

Having 4 codes in 3 cities, Credit Agricole belongs to the banks that use individual codes for parts of the organisation and departments. The head office code remains AGRIGFG1XXX.

For the vast majority of payments to a private or business account, the head office code AGRIGFG1XXX is what you need. Only use a branch code when the recipient explicitly asks for it.

When in doubt, check with the recipient which code their bank gave them. Branch codes are more likely to be retired than AGRIGFG1XXX.

Incoming international payments to Credit Agricole

Someone abroad who wants to pay you will ask for several details about your account, and missing ones are a common cause of delays. Share the account holder’s name, the IBAN or account number, the BIC AGRIGFG1XXX and your address, which some banks require.

You can include Credit Agricole and Cayenne too. A mistake in your account number can be harder to fix than it looks, so copy the details from your online banking.

Do not be surprised if the amount credited is below what the sender paid. Intermediary banks may deduct a fee and your own bank may charge for processing, and if the currency changes, an exchange rate margin applies. Make clear with the sender who covers the fees.

Paying into Credit Agricole in EUR

French Guiana uses the Euro, code EUR. If you send money in a different currency, the amount has to be converted at some point – by your bank, by Credit Agricole or by a bank in between. Each conversion eats into the amount.

Where the conversion happens has an effect on the final amount, as rates and margins differ per bank. Check how much EUR arrives via different services; the difference between options can be larger than you expect.

The EUR rate fluctuates throughout the day and quotes are often valid only for a short time. On larger amounts, a small difference in the rate can be worth more than the fee.

Changed bank details? Be careful

Fraudsters often send payment requests containing new bank details sent from what looks like a familiar address. A valid SWIFT code tells you nothing about whether the request is genuine.

Always verify changed bank details through a phone call on a number you know, not one from the message. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. When money has already gone to a fraudster, call your bank right away – speed improves the chance of getting it back.

Scams can also work the other way. Someone claims to have sent too much and asks you to refund the extra. Wait until the money has really arrived.

How up to date is this code?

The codes here come from public sources. Still, banks merge or change codes, so information can be out of date. The number of codes we show are based on our own data and not on information from Credit Agricole itself.

See the information on this page as a handy check and rely on the recipient or Credit Agricole for the final confirmation. We are an independent comparison service for money transfers and not affiliated with Credit Agricole. Should you notice something that is out of date, we appreciate a message.

Is AGRIGFG1 still correct? How to check

The most reliable place for the correct BIC is paperwork issued by the bank like a bank statement or the account page in online banking. Compare that code with AGRIGFG1 here.

If the code is wrong, the payment might be delayed, bounce back or cost extra, and tracing it can take weeks. Remember the IBAN: an error there is harder to correct than a wrong BIC.

A format check in your banking app only confirms that the IBAN exists – not that it belongs to the person you mean to pay. Some banks now compare the payee name against the account; take any warning seriously. For a first payment, many people send a small test amount and wait for confirmation.

What a transfer from Credit Agricole abroad really costs

The price of an international transfer has more than one component. There is the fee for the transfer itself, possibly charges from correspondent banks in between and, most importantly, the exchange rate markup.

That exchange rate margin tends to be the largest cost, and it is easy to miss. An easy check: put the bank’s rate next to the mid-market rate for the same moment and look at the difference.

For a lot of currency pairs, a specialist provider is cheaper than a bank – mostly thanks to the rate. GoldexPay compares what recipients receive across providers. Choosing a specialist does not mean closing your account at Credit Agricole – you pay the provider from your own account.