Credit Agricole SWIFT/BIC code

AGRIGPGX – the SWIFT/BIC code of Credit Agricole

AGRIGPGX and AGRIGPGXXXX are two spellings of the same SWIFT/BIC code, and both point to Credit Agricole in Pointe-A-Pitre. The code has a single purpose: it ensures that money from abroad ends up at the right bank. You will need it mainly for transfers between countries and payments in foreign currencies.

This page is meant to help people who pays into an account at Credit Agricole. Remember that the SWIFT code just identifies the bank, not the account: the IBAN or account number takes care of that.

Is AGRIGPGX still correct? How to check

The best place to find the correct BIC remains paperwork issued by the bank like a bank statement or the account page in online banking. When the code you were given does not match AGRIGPGX or AGRIGPGXXXX, do not guess: check with the recipient or with Credit Agricole directly.

Mistakes in the SWIFT code are costly rather than fatal. Remember the account number: an error there can be harder to correct than a wrong code.

A format check in your banking app only confirms that the code is valid. Where available, a name check before sending adds extra certainty. For a first payment, some people start with a small test amount.

Sending money abroad from Credit Agricole

A bank transfer abroad can cost rather more than the fee suggests. On top of the transfer fee, correspondent or intermediary banks can deduct a fee, and if currencies are converted, the bank often applies a rate below the actual 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. Check the rate you are offered with the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

For a lot of routes, a specialist provider turns out to be less expensive than a bank, mainly because of the exchange rate. GoldexPay lists transfer providers side by side, showing what actually arrives before you commit. Using a transfer service does not mean leaving Credit Agricole: you simply pay the service from your account.

What the XXX in AGRIGPGXXXX means

A SWIFT code is built from fixed blocks: the first four letters stand for the bank, characters five and six show the country and the two after that indicate the location. Combined, those parts make up AGRIGPGX – the version you usually see online.

XXX at the end of AGRIGPGXXXX does not stand for a placeholder or a mistake: it stands for the main office of Credit Agricole. Some forms ask for 11 characters, in which case you simply add XXX after AGRIGPGX.

Type the code in one piece, in capitals and without spaces. Pasting the code is safer than typing it by hand, because one wrong letter changes the bank.

Incoming international payments to Credit Agricole

If you expect a payment from another country, send the payer a complete set of details. In practice that means: your full name as registered with Credit Agricole, your account number or IBAN, the SWIFT/BIC code AGRIGPGXXXX (or AGRIGPGX) and usually your address.

Certain banks also ask for the address of Credit Agricole. A typo in the IBAN is more trouble than you might think, so copy the details from your online banking.

What lands in your account can be lower than the amount sent. Fees for incoming transfers differ per bank; check the price list of Credit Agricole. Make clear with the sender who pays which costs.

Watch out for payment fraud

Be wary if a contact unexpectedly asks you to send money to a different account abroad. A correct SWIFT code tells you nothing about who owns the account – scammers simply use real codes.

Check new bank details via a separate channel like a call to a number from an earlier contract. Be suspicious of urgent requests, unusual wording or a sender address that is slightly off. Acted too fast? Contact your bank straight away and have them try to recall the payment and report the fraud.

People receiving money are targeted too: one known trick is a buyer who pays too much and then sends a request to refund the difference abroad. Wait until the money has really arrived.

Which of the 2 codes of Credit Agricole do you need?

We have 2 SWIFT/BIC codes for Credit Agricole, spread over 2 cities. Next to the head office code AGRIGPGXXXX, there are codes for branches, departments or specific services.

Usually there is no need to look up a branch: transfers addressed to AGRIGPGXXXX reach Credit Agricole without problems. When you receive a branch code, use it as it is instead of swapping it with the head office code.

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

Where our SWIFT data comes from

Our SWIFT/BIC directory is based on public sources and is updated regularly. Banks reorganise, change names and change codes. The number of codes we show reflect our own data, not official figures from Credit Agricole.

Treat our directory here as a handy check. GoldexPay is independent of Credit Agricole. Found an error? Tell us through the contact page and we will look into it.

When will the money arrive at Credit Agricole?

There is no fixed delivery time for international payments: many land within a day. Transfers sent after the cut-off time or just before weekends and holidays usually go out the next business day. Sometimes a bank asks what the payment is for before releasing it.

When a payment takes longer than expected, ask the sending bank about the tracking status or the UETR; with that reference banks can see where the payment is. Money transfer services usually show a status online so you can see how far the money has got.

The bank that sent the money can request a trace – the recipient’s bank often cannot see a payment that has not arrived. As a recipient, it helps to check your statements for a slightly lower amount because fees can reduce the amount.

The Euro and what conversion costs you

Most accounts at Credit Agricole are typically held in EUR, the local currency. Money sent in a different currency will be converted into EUR before it reaches the account, and whoever converts it chooses the rate. Every conversion eats into the amount, even when no fee is shown.

Where the conversion happens affects how much arrives. Compare how much EUR the recipient gets via different services; the difference between options can be larger than you expect.

Rates for EUR move all the time – some services let you fix a rate in advance. With bigger transfers, a seemingly small gap in the rate adds up quickly.