Credit Agricole CIB SWIFT/BIC code

SWIFT/BIC code of Credit Agricole CIB

The 8-character code BSUIDEFF and the full code BSUIDEFFXXX identify the same bank: Credit Agricole CIB. A SWIFT code tells every bank in the chain exactly which bank should receive the money. It comes up mainly for transfers between countries and payments in foreign currencies.

This page is meant to help anyone who sends money to an account at Credit Agricole CIB and wants to get the details right. Keep in mind that the BIC only identifies the bank, not the account: the account number or IBAN does that part.

Is BSUIDEFF still correct? How to check

Have the recipient copy their account details straight from their online banking. Check that code against BSUIDEFF on this page; if they differ, ask before you pay.

An incorrect BIC may lead to delays, a returned payment or extra fees. Do not forget the IBAN: an error there is harder to undo than a wrong BIC.

A validity check by your bank merely tells you that the code exists, not that it is the right account. Some banks now compare the name with the account before you confirm; take any warning seriously. A small test payment can be worth it for a large first payment, even if it costs an extra fee.

Protect yourself against fake payment requests

Fraudsters often use payment requests with changed bank details, sometimes in an email that looks completely genuine. A real SWIFT code says nothing about whether the request is genuine.

Always confirm a change of bank details by phone. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. Already paid? Call the bank you paid from without delay and have them start a recall.

People receiving money are targeted too: a classic trick is a buyer who pays too much and then sends a request to send back the difference. A payment confirmation from the sender proves nothing.

Euro transfers to Credit Agricole CIB: is a BIC needed?

Germany belongs to the Single Euro Payments Area (SEPA). For a standard euro transfer within SEPA, you normally only need the IBAN; many banks no longer ask for the BIC.

The BIC still come into play for payments in other currencies, and for transfers from outside SEPA. If a payment form asks for the BIC anyway, adding BSUIDEFF is fine.

Instant euro transfers have become increasingly supported across SEPA; check with Credit Agricole CIB whether it applies to your account. As long as no currency is converted, the transfer tends to be inexpensive.

Sending EUR to Credit Agricole CIB

The currency of Germany is the Euro (EUR). Money sent in a different currency is exchanged into EUR on its way to Credit Agricole CIB, and whoever converts it chooses the rate. There is rarely a separate charge for that conversion; it is built into the rate.

Which bank converts the payment matters, because each party uses its own rate. Transferring the amount directly in EUR often prevents a second conversion by Credit Agricole CIB.

Rates for EUR change during the day – some services let you fix a rate in advance. For regular payments, small differences in the rate add up over a year.

What a transfer from Credit Agricole CIB abroad really costs

An international bank payment can cost rather more than the listed fee. Besides the transfer fee, correspondent or intermediary banks can deduct a fee, and when currencies are converted the bank often uses a rate that is less favourable than the actual market rate.

That exchange rate margin tends to be the biggest cost even though it is not listed as a fee. Check the rate you are offered against the mid-market rate.

For many currency pairs, a specialist provider turns out to be cheaper than a traditional bank transfer. Next time you send money, take a minute comparing the total cost via GoldexPay instead of going straight to your bank. Choosing a specialist does not require closing your account at Credit Agricole CIB: you simply pay the service from your account.

Credit Agricole CIB: head office code versus branch codes

Our database contains 2 SWIFT/BIC codes for Credit Agricole CIB in 1 cities. Next to the head office code BSUIDEFFXXX, you will find codes for individual branches and departments.

For most incoming transfers, the head office code BSUIDEFFXXX works fine. Branch codes are only needed if the account holder specifically mentions 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. Codes are sometimes changed or retired when banks reorganise.

How up to date is this code?

We gather bank codes from publicly available data and update our list from time to time. Banks reorganise, change names and retire codes, and a directory never catches every change immediately. Counts and locations come from our own dataset and are not confirmed by Credit Agricole CIB.

Treat our directory on this page as a handy check. GoldexPay is independent of Credit Agricole CIB, we only compare transfer services. Should you notice a mistake, we appreciate a short note.

Getting paid from abroad into a Credit Agricole CIB account

Someone abroad who wants to pay you will ask for a few details from you. The basics are: the account holder’s name, account number or IBAN, BSUIDEFFXXX and, for some countries, your postal address.

Their bank might request the address of your bank, in which case the Frankfurt Am Main head office is the usual answer. A mistake in the IBAN can be harder to fix than you might think, so copy the details from your online banking.

What lands in your account is often lower than the amount sent. Intermediary banks may deduct a fee, and if the money is converted, a markup on the rate comes on top. On invoices, it is common to agree how the fees are split, so that nobody is left short.

Why Credit Agricole CIB has an 8- and an 11-character code

Each SWIFT/BIC code has an 8-character core: four letters for the bank, a two-letter country code and two characters for the location. For Credit Agricole CIB, that core is BSUIDEFF.

The 11-character version adds a three-character extension that identify a branch or department. If the last three are XXX, they simply mean the head office, which is why BSUIDEFFXXX and BSUIDEFF lead to the same place.

Enter the code in one piece, in upper case and without spaces. Pasting the code is safer than typing it by hand.

When will the money arrive at Credit Agricole CIB?

How fast a transfer reaches Credit Agricole CIB is determined by a few things: which currency you send, the number of banks in between, cut-off times and time zones. Transfers sent late in the day or just before weekends and holidays often go out a business day later. Extra checks on larger or unusual payments can also cause some delay.

When a payment takes longer than expected, ask the sending bank for the status. Money transfer services usually provide tracking in their app showing how far the money has got.

The bank that sent the money is able to start an official trace; the receiving side usually has nothing to trace yet. On the receiving end, you can check your statements for a slightly lower amount, since fees may have been deducted.