Crédit Agricole International Transfer: Rates and Fees

Like most traditional banks, Crédit Agricole offers the option to make international transfers within and outside the SEPA zone. However, you should be aware of the various fees charged to both your account and that of the recipient. These costs vary depending on the country, and while the information is available, it’s not always easy to find. To learn everything about international transfers at Crédit Agricole, read the rest of this article.

Or choose Wise and make your international transfers, both SEPA and SWIFT, in just a few clicks and at a lower cost. In addition to using the mid-market exchange rate when converting currencies, Wise allows you to transfer money to more than 140+ countries and hold local account details in 8+ currencies, including major ones like the dollar, euro, and pound sterling.

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Crédit Agricole International Transfer Fees: Everything You Need to Know

Depending on the region and contract type, fees can vary significantly. For this article, we used the pricing brochure of Crédit Agricole Charente-Maritime Deux-Sèvres as an example.

Crédit Agricole international transfer fees depend on several factors, starting with the type of transfer. Depending on whether it’s a SEPA or SWIFT transfer, the fees charged will vary. Let’s take a look at the costs the sender must pay for both types of transfers.

Crédit Agricole International Transfer Fees within the SEPA Zone

Crédit Agricole international transfers within the SEPA zone refer to money transfers sent from Crédit Agricole to a bank in a country within the SEPA zone. This zone includes the 27 countries of the European Union, plus 9 other countries located in Europe.

Here are the fees you should know about for a transfer within the SEPA zone from Crédit Agricole:

Please note that the receiving bank may also apply additional fees. We recommend contacting the receiving bank for more information.

Crédit Agricole International Transfer Fees Outside the SEPA Zone

SWIFT transfer refers to the transfer of money to a country outside the SEPA zone. This is an international transfer that usually requires a currency conversion. It is not free, and it is important to know the fees before initiating it.

Here are the rates applied by Crédit Agricole for a SWIFT transfer:¹

The bank also charges a fixed fee on each transaction, in addition to the exchange rate margin if currency conversion is required. This fee is 0.055%, with a minimum of €19.¹

With a Wise account, avoid all these complex and often expensive fees and make your international transfers at particularly competitive rates.

Wise uses the unmarked mid-market rate for currency conversion and charges minimal fees on each transaction. Furthermore, Wise allows you to send money to 140+ countries and charges no account maintenance fees!

What exchange rate does Crédit Agricole use?

The exchange rate Crédit Agricole applies when converting currencies is not easy to determine. Like most traditional banks, it uses a marked-up rate when converting currencies.

The rate offered by Crédit Agricole generates higher costs on each international transfer outside the SEPA zone, since the bank adds a foreign exchange commission.¹

This point is important to understand in order to see how banks generally operate.

Crédit Agricole International Transfer FAQ

In this FAQ, you'll find answers to common questions about international transfers with Crédit Agricole.

How do I make an international transfer online at Crédit Agricole?

It is possible to make an international transfer online at Crédit Agricole, whether within the SEPA zone or outside. Here are the main steps to follow:²

• Once logged in to your online account on the Crédit Agricole website or the Ma Banque app, go to the transfer tab and choose the "external transfer" option.

• Make sure the beneficiary has been added and confirmed.

• Enter the transfer amount.

• Enter the code received on your phone to confirm the transaction.

How do I make an international SWIFT transfer at a Crédit Agricole branch?

To make an international SWIFT transfer from your Crédit Agricole account, you can visit a branch or do it directly from your online banking account.

For an in-branch transfer, you must have all the recipient's bank details, give them to the teller, and sign the transfer order, indicating the amount and the transfer date.

What information is required to make an international transfer at Crédit Agricole?

To make an international transfer at Crédit Agricole, you must obtain the following information:

• The recipient's IBAN (international account number containing a maximum of 34 digits).

• The BIC or SWIFT code, consisting of 8 to 11 digits or letters, which identifies the bank.

How do I receive an international wire transfer with Crédit Agricole?

You will need the same information required from the sender:

• Your IBAN (International Bank Account Number, up to 34 characters).

• The BIC or SWIFT code of your bank (8 to 11 digits or letters).

• Your exact address and full name, as well as your ID number.

Crédit Agricole International Transfer Delay

There are two typical cases for expected transfer times:

• If your transfer is within the eurozone or SEPA, it usually takes 1 to 2 business days.³

• If your transfer is outside this zone, the delay is generally 1 to 3 business days.²

Save money on your international transfers with Wise

Why complicate things when you can make it simple with Wise? Use your Wise account and avoid hidden fees and exchange rate markups.

With just a few clicks, from your computer or the mobile app, you can make SEPA and SWIFT transfers to more than 140+ countries and convert your money at the mid-market rate, avoiding costly exchange rate margins.

If you're looking for one of the convenient, reliable, and cost-effective ways to send money internationally, Wise could be a good option to consider.

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This article is a translation of the original article published in French and was translated within 365 days of publication. While the content has been translated for accessibility, the data and sources referenced have not been updated since the original publication date.

Sources:

Last verified on June 3, 2025.