SWIFT Code SMCTFR2APER — SOCIETE MARSEILLAISE DE CREDIT, PERPIGNAN

About SWIFT Code SMCTFR2APER — SOCIETE MARSEILLAISE DE CREDIT, PERPIGNAN

SWIFT code SMCTFR2APER is the official 11-character branch-specific BIC (Bank Identifier Code) for SOCIETE MARSEILLAISE DE CREDIT in PERPIGNAN, France. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by SOCIETE MARSEILLAISE DE CREDIT for all outward international remittances from PERPIGNAN. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code SMCTFR2APER

The code SMCTFR2APER follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code SMCTFR2APER

Receiving International Wire Transfers

To receive money from abroad at your SOCIETE MARSEILLAISE DE CREDIT account in PERPIGNAN, share SWIFT code SMCTFR2APER with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at SOCIETE MARSEILLAISE DE CREDIT, PERPIGNAN must provide SWIFT code SMCTFR2APER. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using SOCIETE MARSEILLAISE DE CREDIT in PERPIGNAN rely on SWIFT code SMCTFR2APER for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for SOCIETE MARSEILLAISE DE CREDIT →

For cheque clearing or NACH mandates, use the MICR code for SOCIETE MARSEILLAISE DE CREDIT →

For TDS challan deposits, find the BSR code for SOCIETE MARSEILLAISE DE CREDIT →

How SWIFT Code SMCTFR2APER Routes an International Transfer

1. Initiation: The sender provides SWIFT code SMCTFR2APER and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to SOCIETE MARSEILLAISE DE CREDIT.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: SOCIETE MARSEILLAISE DE CREDIT receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code SMCTFR2APER

• Spaces or lowercase letters — Always enter SMCTFR2APER uppercase with no spaces.
• Using the wrong city — This code is for PERPIGNAN only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within France.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm SMCTFR2APER directly with SOCIETE MARSEILLAISE DE CREDIT's PERPIGNAN branch or via the SWIFT BIC Directory.