SWIFT Code UMREFR21 — UNION DES MUTUELLE DE LA REUNION, SAINTE SUZANNE

About SWIFT Code UMREFR21 — UNION DES MUTUELLE DE LA REUNION, SAINTE SUZANNE

SWIFT code UMREFR21 is the official 8-character head-office BIC (Bank Identifier Code) for UNION DES MUTUELLE DE LA REUNION in SAINTE SUZANNE, 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 UNION DES MUTUELLE DE LA REUNION for all outward international remittances from SAINTE SUZANNE. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code UMREFR21

The code UMREFR21 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code UMREFR21

Receiving International Wire Transfers

To receive money from abroad at your UNION DES MUTUELLE DE LA REUNION account in SAINTE SUZANNE, share SWIFT code UMREFR21 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 UNION DES MUTUELLE DE LA REUNION, SAINTE SUZANNE must provide SWIFT code UMREFR21. 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 UNION DES MUTUELLE DE LA REUNION in SAINTE SUZANNE rely on SWIFT code UMREFR21 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 UNION DES MUTUELLE DE LA REUNION →

For cheque clearing or NACH mandates, use the MICR code for UNION DES MUTUELLE DE LA REUNION →

For TDS challan deposits, find the BSR code for UNION DES MUTUELLE DE LA REUNION →

How SWIFT Code UMREFR21 Routes an International Transfer

1. Initiation: The sender provides SWIFT code UMREFR21 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 UNION DES MUTUELLE DE LA REUNION.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: UNION DES MUTUELLE DE LA REUNION receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code UMREFR21

• Spaces or lowercase letters — Always enter UMREFR21 uppercase with no spaces.
• Using the wrong city — This code is for SAINTE SUZANNE 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 UMREFR21 directly with UNION DES MUTUELLE DE LA REUNION's SAINTE SUZANNE branch or via the SWIFT BIC Directory.