BNP Paribas la Reunion SWIFT/BIC code

BNPARERX – the SWIFT/BIC code of BNP Paribas la Reunion

The 8-character code BNPARERX and the full code BNPARERXXXX refer to the same bank: BNP Paribas la Reunion. A BIC has a single purpose: it makes sure that a cross-border transfer reaches the right bank. In practice you mostly see it on invoices from abroad, in your banking app and on the account details that BNP Paribas la Reunion provides.

This page is meant to help people who receives money at an account at BNP Paribas la Reunion and wants to get the details right. Keep in mind that the BIC only identifies the bank, not the account: the IBAN or account number takes care of that.

Verifying the SWIFT code of BNP Paribas la Reunion

The safest source for the BIC is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. When the code you were given does not match BNPARERX or BNPARERXXXX, stop and ask.

With a wrong code, the transfer might get stuck, be returned or end up costing more, and tracing it can take weeks. A mistake in the account number is a bigger problem, because the money may be credited to someone else; check it just as carefully.

An automatic check by your bank only tells you that the IBAN exists – not that it belongs to the person you mean to pay. If your bank offers it, a name check on the recipient adds extra certainty. Sending a small amount first is worth it for large sums, even if it costs an extra fee.

Paying someone abroad from your BNP Paribas la Reunion account

An international bank payment costs rather more than the fee suggests. Besides the transfer fee, correspondent or intermediary banks can take a cut, and if the money changes currency, the bank often applies a rate below the real market rate.

The real cost is often in the rate, rather than in the fee: many banks convert using an exchange rate that includes a margin. A simple test: set the bank’s rate next to the mid-market rate for the same moment and work out the difference on your amount.

For many currency pairs, a transfer service is cheaper than a bank, mainly because of the exchange rate. GoldexPay compares these services side by side, showing what actually arrives before you commit. Choosing a specialist does not mean closing your account at BNP Paribas la Reunion – you pay the provider from your own account.

Scams that use SWIFT codes

Fraudsters regularly use payment requests with new bank details, sometimes in an email that looks completely genuine. A correct SWIFT code tells you nothing about who owns the account – scammers simply use real codes.

Never rely on a phone number in the same message that announces the change. Watch out for urgent requests, unusual wording or a sender address that is slightly off. If a payment was sent to a fraudster, call your bank right away – speed improves the chance of getting it back.

Recipients are targeted too: a classic trick is an overpayment and then sends a request to send back the difference abroad. Do not act before the money is actually in your account – ask BNP Paribas la Reunion if something looks wrong.

BNPARERX or BNPARERXXXX – which one to use?

A BIC is made up of fixed blocks: the first four letters identify the bank, the next two show the country and the two after that indicate the location. Combined, those parts form BNPARERX.

XXX at the end of BNPARERXXXX is not a placeholder or an error: it indicates the main office of BNP Paribas la Reunion. Some banking apps ask for 11 characters, and then you can add XXX after BNPARERX.

As a rule the code is typed in capitals and without spaces. Copying the code is safer than retyping it, because one wrong letter changes the bank.

How up to date is this code?

We gather SWIFT/BIC codes using publicly available data and check them regularly. It can happen that information here is no longer current after a merger or reorganisation. Counts and locations are from our directory and may differ from what BNP Paribas la Reunion publishes.

Treat the information here as a helpful check and rely on the recipient or BNP Paribas la Reunion for the final confirmation. GoldexPay is independent of BNP Paribas la Reunion. Found an error? Tell us via our contact form.

The Euro and what conversion costs you

The currency in Réunion is the Euro (EUR). If you send another currency it gets converted at some point: by your bank, an intermediary or BNP Paribas la Reunion itself. Every conversion eats into something – usually through the rate rather than a fee.

Which bank converts the money makes a difference. Often you pay less if you send EUR straight away through a transfer service that converts near the mid-market rate rather than letting the receiving bank convert.

Rates for EUR move all the time. For recurring payments, small differences in the rate make a real difference over time.

Choosing between the 2 SWIFT codes of BNP Paribas la Reunion

BNP Paribas la Reunion has 2 different SWIFT/BIC codes across 2 cities. One of them is the head office code; the others identify branches, and sometimes internal departments.

For the vast majority of incoming transfers, the head office code BNPARERXXXX is the right choice. Only use a branch code when your contact gives you that exact code, for example on a letter or invoice.

If you are not sure, check with the recipient for the exact BIC in their bank details. Branch codes can change over time, so do not rely on old paperwork.

How long does an international transfer to BNP Paribas la Reunion take?

A SWIFT payment typically needs anywhere from one to several business days – it depends on currency, route and the banks in between. Weekends and public holidays in either country add extra days to the journey. Sometimes a bank asks about the purpose of a payment before releasing it.

If the money is delayed, ask the sending bank about the status or the UETR so they can trace it along the chain. Save the payment confirmation until the recipient confirms – you will need it for any trace request.

Only the sending bank can request a trace or a recall. Request from the sender the payment receipt with the date and reference; that often settles the question quickly.

Getting paid from abroad into a BNP Paribas la Reunion account

If you are waiting for money from abroad, send the payer a complete set of details. In practice that means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code BNPARERXXXX and, often, your address.

You can include the bank name and Saint Denis as well, since some forms ask for it. Double-check the details before you send them, because the sender’s bank usually copies them as is.

The amount you receive can be lower than what was sent. Charges on incoming payments vary per bank – the price list of BNP Paribas la Reunion tells you what applies. Agree with the sender who pays which costs, especially for larger amounts.