Credit Agricole SWIFT/BIC code

What AGRIMQMX means for a payment to Credit Agricole

Whether you are given AGRIMQMX or AGRIMQMXXXX, it is the identical identifier for Credit Agricole in Martinique. Every bank on the SWIFT network uses BIC codes to direct international transfers to the correct bank. You will need it mostly for payments that cross a border.

Below you will find the practical questions: receiving money at Credit Agricole, sending money abroad and how to check a SWIFT code before you confirm a payment. Remember that the BIC just identifies the bank, not the account: the IBAN or account number does that part.

Paying someone abroad from your Credit Agricole account

When you send money abroad through Credit Agricole, the fee you see is rarely all of the cost. There is the fee for the transfer itself, possibly charges from correspondent banks in between and, above all, the exchange rate markup.

Most of the cost usually sits in the exchange rate, rather than in the fee: many banks convert using an exchange rate that includes a margin. An easy check: put the rate you get next to the mid-market rate and look at the difference.

For many routes, a transfer service is cheaper than a traditional bank transfer, mainly because of the exchange rate. Next time you send money, take a minute comparing the total cost on GoldexPay rather than accepting the bank’s rate by default. Using a transfer service does not mean closing your account at Credit Agricole: you simply pay the service from your account.

Choosing between the 2 SWIFT codes of Credit Agricole

We have 2 SWIFT/BIC codes for Credit Agricole in 2 cities. Besides the head office code AGRIMQMXXXX, you will find codes for individual branches and departments.

Unless the recipient tells you otherwise, use AGRIMQMXXXX or its short form AGRIMQMX. Just use a branch code when the account holder gives you that exact code, for example on an invoice or in their bank details.

When in doubt, check with the recipient which code their bank gave them. Branch codes are more likely to be retired than AGRIMQMXXXX when a bank merges or closes offices.

What to give a sender who pays you at Credit Agricole

For a transfer from abroad at Credit Agricole, the sender needs more than the BIC. In practice that means: your name as registered with Credit Agricole, your IBAN or account number, the BIC AGRIMQMXXXX and, often, your address.

Certain sending banks also ask for the name and address of Credit Agricole in Fort de France; it does no harm to include it. A typo in your account number is harder to fix than you might think, so copy the details from your online banking.

Money from abroad does not always land for the full amount. Charges on incoming payments vary from bank to bank. For business payments, it is common to agree who bears the costs.

AGRIMQMX or AGRIMQMXXXX – which one to use?

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

XXX at the end of AGRIMQMXXXX is not a placeholder or an error: it indicates the main office of Credit Agricole. Some banking apps ask for 11 characters, in which case you simply enter XXX after AGRIMQMX.

In practice the code is written in capitals. A single letter may route the money to another bank.

Transfer times and tracking a payment to Credit Agricole

A SWIFT payment usually takes anywhere from one to several business days – it depends on currency, route and the banks in between. Bank holidays in the sending or receiving country add extra days to the journey. Extra checks on larger or unusual payments can also cause a delay.

When a payment takes longer than expected, contact your bank for the status and the transaction reference so they can trace it along the chain. Money transfer services usually show a status in their app showing how far the money has got.

If a payment has not arrived within the expected time, the person who paid should contact their own bank rather than Credit Agricole. Ask the sender for a copy of the payment confirmation with the date and reference; that often settles the question quickly.

The Euro and what conversion costs you

The national currency in Martinique is the Euro (EUR). A payment in a foreign currency is exchanged into EUR on its way to Credit Agricole. You rarely see a separate charge for that conversion; it is built into the rate.

Who converts the money makes a difference. Check what EUR arrives with different services.

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

About this information

The codes here are taken from publicly available data. Institutions reorganise, close branches and retire codes – a directory can be a step behind. The number of codes on this page reflect what is in our directory, not official figures from Credit Agricole.

For any payment of any size, always check the BIC with the recipient’s bank or with the recipient. GoldexPay is not affiliated with Credit Agricole. If you notice a mistake, we appreciate a message.

How to check AGRIMQMX before you pay

The safest source for the BIC is the bank details provided by the recipient. When the code you were given does not match AGRIMQMX or AGRIMQMXXXX, do not guess.

A wrong SWIFT code may lead to a delay, a returned payment or extra fees along the way. Do not forget the IBAN: an error there is harder to undo than a wrong code.

An automatic check in your banking app merely tells you that the IBAN exists – not that it belongs to the person you mean to pay. If your bank offers it, a payee name check on the recipient gives extra certainty. Sending a small amount first is worth it for large sums.

Watch out for payment fraud

Scammers regularly send payment requests with new bank details, sometimes in an email that looks completely genuine. A correct SWIFT code tells you nothing about whether the request is genuine – scammers simply use real codes.

Before paying, verify changed bank details by phone, using a number you already had. Be suspicious of urgent requests, unusual wording or an email address that differs by one letter. If a payment has already gone to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Scams can also work the other way: someone sends more than agreed and asks you to refund the difference to a new account. A screenshot of a transfer is no proof – check your own account.