Caisse D'epargne Cepac (Formerly Banque des Antilles Francaises) SWIFT/BIC code

Caisse D'epargne Cepac (Formerly Banque des Antilles Francaises) SWIFT code: BDAFGPGX

If an invoice shows BDAFGPGX or BDAFGPGXXXX, you are looking at the same address for Caisse D'epargne Cepac (Formerly Banque des Antilles Francaises) in Guadeloupe. The code does one job: it makes sure that an international payment reaches the right bank. You will need it mainly for transfers between countries.

Further down you will find the practical side: receiving money at Caisse D'epargne Cepac (Formerly Banque des Antilles Francaises), sending money abroad and how to verify a SWIFT code before you confirm a payment. A SWIFT code names an institution, not a single account; the IBAN or account number does that.

Transfer times and tracking a payment to Caisse D'epargne Cepac (Formerly Banque des Antilles Francaises)

There is no fixed delivery time for every transfer: some land within a day. Bank holidays in the sending or receiving country can add extra days, since banks do not process on those days. Occasionally a bank wants to know about the purpose of a payment, which can hold things up.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Each payment gets a unique transaction reference, the UETR that banks can use to trace it. Save the payment confirmation until the money has arrived – you will need it for any trace request.

A delayed transfer is investigated by the sending bank, using the payment confirmation. On the receiving end, it helps to check your statements for a slightly lower amount.

Sending money abroad from Caisse D'epargne Cepac (Formerly Banque des Antilles Francaises)

What you pay for a payment abroad has more than one component, and the transfer fee is only the most visible one. Besides a fixed fee, correspondent or intermediary banks can take a cut, and when currencies are converted the bank often applies a rate that is less favourable than the real market rate.

The real cost is often in the rate, not in the fee: many banks convert using an exchange rate with a margin built in. An easy check: set the bank’s rate against the mid-market rate and look at the difference.

Money transfer services often use rates closer to the mid-market rate and lower fees. On GoldexPay we compare the amount that arrives across providers, so you can pick the cheapest route. You can still use your account at Caisse D'epargne Cepac (Formerly Banque des Antilles Francaises) to fund the transfer; only the conversion and sending happen elsewhere.

What to give a sender who pays you at Caisse D'epargne Cepac (Formerly Banque des Antilles Francaises)

To receive an international payment into your account at Caisse D'epargne Cepac (Formerly Banque des Antilles Francaises), the sender needs more than the SWIFT code. That means: your name as registered with Caisse D'epargne Cepac (Formerly Banque des Antilles Francaises), your IBAN or account number, the BIC BDAFGPGXXXX and sometimes your address.

The sender’s bank might request the address of your bank. Check the details before you share them.

Expect that the amount credited is smaller than what the sender paid. Correspondent banks can take a fee, and if the money is converted, a markup on the rate applies. Make clear with the sender who covers the fees before the money is sent.

Choosing between the 2 SWIFT codes of Caisse D'epargne Cepac (Formerly Banque des Antilles Francaises)

Having 2 codes, Caisse D'epargne Cepac (Formerly Banque des Antilles Francaises) is one of the banks that use individual codes for branches and departments. The head office code is BDAFGPGXXXX.

If nobody asks you for a branch code, go with BDAFGPGXXXX or its short form BDAFGPGX. When you receive a branch code, use it as it is instead of swapping it for the head office code.

Not sure which code to use? Ask the recipient, or look at a recent statement from Caisse D'epargne Cepac (Formerly Banque des Antilles Francaises). Branch codes are more likely to be retired than the head office code.

How to check BDAFGPGX before you pay

The most reliable source for a SWIFT code is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. Compare it with BDAFGPGX here.

Errors in the SWIFT code are costly rather than disastrous: often the payment comes back, minus fees. Remember the IBAN: an error there is harder to correct than a wrong BIC.

A format check in your banking app only tells you that the IBAN exists. More and more banks check the name against the account; take any warning seriously. Sending a small amount first can be worth it for large sums, even if it costs an extra fee.

What the XXX in BDAFGPGXXXX means

A SWIFT code is made up of fixed blocks: the first four letters stand for the bank, the next two show the country and characters seven and eight indicate the location. Combined, those parts form BDAFGPGX.

Many banks and apps accept either length. If a form requires eleven characters, use BDAFGPGXXXX, otherwise BDAFGPGX is fine.

Type the code as one block, in capitals and without spaces, exactly as shown here. Copying the code is safer than retyping it: a typo can point to another bank.

Paying into Caisse D'epargne Cepac (Formerly Banque des Antilles Francaises) in EUR

Accounts at Caisse D'epargne Cepac (Formerly Banque des Antilles Francaises) are usually held in EUR, the local currency. When you pay another currency, the amount has to be converted at some point: by your bank, an intermediary or Caisse D'epargne Cepac (Formerly Banque des Antilles Francaises) itself. Each conversion costs the amount.

Who does the conversion affects the final amount, since every bank sets its own rate. Sending the amount directly in EUR often prevents a second conversion – as long as your own rate is good.

Exchange rates change all the time – some services let you fix a rate in advance. If you pay regularly, a slightly better rate add up over time.

Watch out for payment fraud

A common scam goes like this: an email arrives with a message saying that a contact has new bank details. A correct SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Never rely on a phone number in the same message that contains the new account. Watch out for urgent requests, odd spelling or a sender address that is slightly off. Already paid? Call your bank without delay and have them try to recall the payment.

People receiving money are targeted too: a classic trick is a buyer who pays too much and then sends a request to refund the difference abroad. A screenshot of a transfer is no proof – check your own account.

A note on our data

We gather bank codes from public sources and check our list from time to time. It is possible that information here is out of date. Counts and locations come from our own dataset and are not confirmed by Caisse D'epargne Cepac (Formerly Banque des Antilles Francaises).

Treat our directory here as a handy check, and let the details from the recipient or Caisse D'epargne Cepac (Formerly Banque des Antilles Francaises) have the final say. GoldexPay is an independent comparison service for money transfers and not part of Caisse D'epargne Cepac (Formerly Banque des Antilles Francaises). If you notice something that is out of date, we appreciate a short note via the contact page.