Credit Agricole CIB SWIFT/BIC code

CRLYINBB – the SWIFT/BIC code of Credit Agricole CIB

Whether you are given CRLYINBB or CRLYINBBXXX, it is the identical address for Credit Agricole CIB in India. The code has a single purpose: it makes sure that a cross-border transfer ends up at the right bank. You will need it mainly when dealing with payments that cross a border or a currency.

This page is meant to help anyone who receives money at an account at Credit Agricole CIB. The SWIFT code on its own cannot identify a personal account; for that you need the account number or IBAN is for.

What the XXX in CRLYINBBXXX means

The structure of a BIC is always the same: four characters for the institution, two for the country and a two-character location code, sometimes followed by a branch code. In this case, the 8-character core is CRLYINBB.

The full version has a three-character extension that identify a branch or department. If the last three are XXX, the code points to the head office, so CRLYINBBXXX and CRLYINBB are interchangeable.

Enter the code in one piece, in upper case and without spaces, exactly as shown here. Watch for the letter O and the digit 0 and I versus 1.

What a transfer from Credit Agricole CIB abroad really costs

The price of a payment abroad is made up of more than one component – not just the fee on your screen. On top of the transfer fee, banks in between may take a cut, and if currencies are converted, the bank often applies a rate that is less favourable than the actual market rate.

The markup on the rate is often the largest item even though it is not listed as a fee. Compare their rate with the mid-market rate – the rate you find on financial news sites.

Specialised transfer providers often use rates closer to the mid-market rate with clearer fees. Next time you send money, it is worth to compare the total cost on GoldexPay. Choosing a specialist does not require closing your account at Credit Agricole CIB: you simply pay the service from your account.

Choosing between the 6 SWIFT codes of Credit Agricole CIB

We have 6 SWIFT/BIC codes for Credit Agricole CIB. Besides the head office code CRLYINBBXXX, you will find codes for regional offices and specialised units.

For most payments to a private or business account, the head office code CRLYINBBXXX works fine. If you have been given a branch code, use it as it is instead of swapping it for the head office code.

The best way is to copy the code straight from the account holder’s bank details. Branch codes are more likely to change than the head office code when a bank merges or closes offices.

Tracking a transfer to or from Credit Agricole CIB

How fast a payment arrives at Credit Agricole CIB depends on a few things: the currency, how many intermediary banks are involved, daily processing deadlines and time zones. Bank holidays in the sending or receiving country can add a day or more, since banks do not process on those days. Extra checks on larger or unusual payments may also add a delay.

When a payment takes longer than expected, ask your bank for the tracking status and the transaction reference. Keep your transfer receipt until the money has arrived; it contains the details a bank needs to start a trace.

Only the sending bank can request a trace; the receiving side usually has nothing to trace yet. As a recipient, you can look at your statements for a partial amount, since fees may have been deducted.

What to give a sender who pays you at Credit Agricole CIB

Someone abroad who wants to pay you needs a few details about your account, and missing ones are a common cause of delays. Share your name as the bank knows it, your account number or IBAN, SWIFT code CRLYINBBXXX and your address, which some banks require.

Certain sending banks want the address of Credit Agricole CIB in Mumbai. A mistake in the IBAN can be harder to fix than you might think.

The amount you receive is often lower than the amount sent. Fees for incoming transfers vary per bank. Make clear with the sender who pays which costs before the money is sent.

Paying into Credit Agricole CIB in INR

Accounts at Credit Agricole CIB are typically held in INR, the national currency. When you pay money in a different currency, the amount has to be converted at some point. Each conversion costs something – usually through the rate rather than a fee.

Who does the conversion has an effect on how much arrives, since every bank sets its own rate. Transferring the money directly in INR often prevents a second conversion at the receiving end.

The INR rate fluctuates constantly, so the amount you see is usually only valid for a short time. For regular payments, small differences in the rate make a real difference over a year.

How to check CRLYINBB before you pay

The most reliable source for a SWIFT code is the recipient’s own bank details: an invoice, a bank statement or their online banking. Compare that code with CRLYINBB on this page; if they differ, ask before you pay.

An incorrect BIC may lead to a delay, a payment being sent back or extra fees for investigation. Do not forget the account number: an error there can be harder to correct than a wrong code.

Many banking apps check the format of IBANs and sometimes look up the BIC automatically. Where available, a payee name check on the recipient adds an extra layer of safety. When you pay someone new, many people send a small test amount.

Changed bank details? Be careful

Be alert if a contact suddenly asks you to send money to a different account. That CRLYINBB is a real code does not mean that a request mentioning it is genuine – fraudsters use real bank codes as well.

Do not rely on contact details in the same message that announces the new account. Urgency or secrecy are warning signs. Already paid? Call your bank straight away and have them try to recall the payment.

Scams can also work the other way. Someone sends more than agreed and wants you to return the extra via a different route. Do not act before the money is actually in your account.

Where our SWIFT data comes from

Our SWIFT/BIC directory draws on publicly available sources. Institutions reorganise, close branches and retire codes, and a directory never catches every change immediately. Counts and locations come from our own dataset and may differ from what Credit Agricole CIB publishes.

Treat the information here as a handy check and rely on the recipient or Credit Agricole CIB for the final confirmation. GoldexPay is independent of Credit Agricole CIB. If you notice something that is out of date, we appreciate a message via the contact page.