Natixis (Formerly Natexis Banques Populaires) SWIFT/BIC code

Natixis (Formerly Natexis Banques Populaires) SWIFT code: NATXGB2L

The short code NATXGB2L and the 11-character code NATXGB2LXXX refer to one and the same institution: Natixis (Formerly Natexis Banques Populaires). The code has a single purpose: it makes sure that an international payment reaches the right bank. In practice you mostly see the code on invoices from abroad, in your banking app and on the account details of Natixis (Formerly Natexis Banques Populaires) customers.

We wrote this page to help people who sends money to an account at Natixis (Formerly Natexis Banques Populaires) and wants to get the details right. The BIC identifies a bank or branch, never a specific account.

SEPA payments and the Natixis (Formerly Natexis Banques Populaires) BIC

Within the SEPA zone, euro transfers to Natixis (Formerly Natexis Banques Populaires) follow the same rules, so the IBAN does the job in most cases. A field for the BIC is usually optional or missing for those payments.

Outside the euro and from non-SEPA countries, NATXGB2LXXX remains required. If a payment form asks for the BIC anyway, adding NATXGB2L does no harm.

SEPA transfers usually arrive by the next business day; instant payments are faster if both banks offer them. Provided no currency is converted, the transfer is cheap; costs rise once a conversion is involved.

Tracking a transfer to or from Natixis (Formerly Natexis Banques Populaires)

An international transfer typically takes one to a few business days, depending on the currency, the route and the banks involved. Payments made after the cut-off time or on weekends and holidays usually start the next business day. Sometimes a bank asks about the purpose of a payment, which can hold things up.

When a payment takes longer than expected, ask the sending bank about the status or the UETR. Save your transfer receipt until the money has arrived.

The bank that sent the money is able to request a trace or a recall. As a recipient, it helps to check your statements for a partial amount because fees can reduce the amount.

British Pound (GBP) and conversion costs

United Kingdom uses the British Pound, code GBP. A payment in a foreign currency is converted into GBP on its way to Natixis (Formerly Natexis Banques Populaires), and whoever converts it chooses the rate. You rarely see a separate charge for that conversion – the cost sits in the rate.

Where the conversion happens has an effect on how much arrives. Check what GBP the recipient gets with several services; the difference between options can be larger than you expect.

The GBP rate fluctuates constantly and quotes are often valid only for a short time. On larger amounts, even seemingly small difference in the rate adds up quickly.

Getting paid from abroad into a Natixis (Formerly Natexis Banques Populaires) account

For a transfer from abroad into your account at Natixis (Formerly Natexis Banques Populaires), the sender has to have not just the SWIFT code. That means: your full name exactly as it appears on the account, your account number or IBAN, the SWIFT/BIC code NATXGB2LXXX (or NATXGB2L) and sometimes your address.

Their bank might also ask for the bank address of Natixis (Formerly Natexis Banques Populaires), in which case the London head office is the usual answer. A typo in your account number can be more trouble than you might think, so copy the details from your online banking.

Do not be surprised if the amount credited is smaller than what the sender paid. Fees for incoming transfers differ from bank to bank – the price list of Natixis (Formerly Natexis Banques Populaires) tells you what applies. Agree with the sender who covers the fees.

Natixis (Formerly Natexis Banques Populaires): head office code versus branch codes

Having 2 codes in 1 cities, Natixis (Formerly Natexis Banques Populaires) belongs to the banks that use individual codes for parts of the organisation. The head office code is NATXGB2LXXX.

For most payments to a private or business account, the head office code NATXGB2LXXX is what you need. Branch codes are only needed when the recipient’s bank explicitly mentions it.

The best way is to take the code straight from the recipient’s statement. Branch codes are more prone to change than the head office code.

About this information

We collect bank codes from publicly available data and update them from time to time. Even so, banks merge or change codes, so information can be out of date. The figures we show reflect our own data.

See the information here as a handy check and rely on the recipient or Natixis (Formerly Natexis Banques Populaires) for the final confirmation. GoldexPay is an independent comparison service for money transfers and not part of Natixis (Formerly Natexis Banques Populaires). Spotted outdated information? Let us know through the contact page and we will look into it.

Protect yourself against fake payment requests

Fraudsters often use payment requests with changed bank details sent from what looks like a familiar address. The fact that NATXGB2L exists does not mean that a request mentioning it is genuine – fraudsters use real bank codes as well.

Always confirm changed bank details by phone on a number you know, not one from the message. Pressure or requests to keep it quiet tend to be warning signs; a genuine business can wait for you to check. When money has already gone to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Fraud can also target the receiver: someone claims to have sent too much and wants you to refund the extra via a different route. A payment confirmation from the sender is no proof.

NATXGB2L or NATXGB2LXXX – which one to use?

A SWIFT code is made up of a few fixed parts: the first four letters stand for the bank, characters five and six give the country and characters seven and eight mark the location. For Natixis (Formerly Natexis Banques Populaires), the 8-character core is NATXGB2L.

The 11-character version has a three-character extension that identify a branch or department. When those three characters are XXX, they simply mean the head office.

Type the code as one block, in upper case and without separators. A single character can send the money to a different institution, so copy it carefully.

What a transfer from Natixis (Formerly Natexis Banques Populaires) abroad really costs

The price of a payment abroad has more than one component – not just the fee on your screen. Besides a fixed fee, correspondent or intermediary banks can deduct a fee, and when the money changes currency the bank usually uses a rate below the real market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: many banks convert at a rate that includes a margin. Compare the rate you are offered against the mid-market rate.

For many routes, a specialist provider is less expensive than a bank. On GoldexPay you can compare what recipients receive across providers, which makes the cheapest option easy to spot. Using a transfer service does not mean leaving Natixis (Formerly Natexis Banques Populaires): you simply pay the service from your account.

Verifying the SWIFT code of Natixis (Formerly Natexis Banques Populaires)

Ask the recipient to copy their account details straight from their online banking. If the code you have differs from NATXGB2L or NATXGB2LXXX, do not guess: check with the recipient or with Natixis (Formerly Natexis Banques Populaires) directly.

A wrong SWIFT code can cause a delay, a payment being sent back or extra fees for investigation. Do not forget the IBAN: a mistake there can be more difficult to correct than a wrong code.

A format check by your bank merely confirms that the IBAN exists – not that it belongs to the person you mean to pay. Where available, a payee name check on the recipient gives an extra layer of safety. For a first payment, some people start with a small test amount before sending the rest.