How to make a bank transfer in France: a complete guide

Making a bank transfer makes life much easier when you want to send money to someone else — whether within France or abroad. While the process may seem straightforward, there are some details worth understanding before sending funds.

So, what should you know about this essential banking operation? What types of transfers exist, and how do you make one? This guide explains it all.

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How to make a bank transfer from France?

You can make a bank transfer in several ways: by visiting your bank branch, by post, or online. Most banks in France offer all three methods, although some may require you to be physically present for certain transactions.

Let’s look at the main types of bank transfers and the details you’ll need to provide.

The different types of bank transfers

Banking systems have evolved significantly, and today you can choose between several kinds of transfers:

• SEPA transfer: Used for sending money in euros within SEPA zone countries.
• SWIFT transfer: A non-SEPA transfer used for international transfers in currencies other than euros, outside the SEPA zone.
• Instant transfer: As the name suggests, this transfer type is processed almost instantly. Funds usually arrive in the recipient’s account within 20 seconds.
• Standing order (virement permanent): A recurring transfer set to repeat automatically at scheduled intervals — commonly used by employers to pay salaries or for regular payments like rent.

What do you need to make a bank transfer?

To make a bank transfer, you’ll typically need the following:

• The sender’s account number.
• The amount to be transferred.
• The date of the transaction.
• The recipient’s bank details.

Depending on the transfer type, amount, or your bank’s policy, additional details may be required.

How to make a bank transfer using a RIB

The RIB (Relevé d’Identité Bancaire) is a French bank account identification document, essential for receiving or making transfers.

To make a transfer using a RIB:

• Go to your bank branch.
• Enter the recipient’s full name and their RIB.
• Specify the transfer amount.
• Double-check all the details and confirm the transfer.

In most cases, the recipient’s name and RIB are all you need to complete the transaction. You can also make this transfer directly online.

How to make a bank transfer online

Most banks in France now offer secure online platforms where you can carry out operations like transfers.

To make a bank transfer online:

• Log in to your online banking space.
• Go to the section for transfers.
• Enter the recipient’s details (name and RIB).
• Specify the amount.
• Review the information and confirm the transfer.

Beforehand, check that your bank offers online transfers and that your account is enabled for this service.

How to make a bank transfer with an IBAN

The IBAN (International Bank Account Number) identifies a bank account internationally. It’s essential when sending money abroad.

To make an international transfer:

• Go to your bank branch or log in to your online account.
• Request or select “international transfer.”
• Enter the recipient’s full name and IBAN.
• Enter the transfer amount.
• Verify the information and confirm the transfer.

Before making a transfer abroad, check that your bank can handle international transactions and find out what fees apply — as these are often higher than local ones.

Bank transfer fees: what you need to know

As for-profit institutions, banks usually charge fees for transfers. Here’s a quick overview:

• SEPA transfer: Typically free when done online. However, if made at a branch, a small fee (a few euros) may apply.
• International transfer (SWIFT): Rarely free. Banks usually charge a fixed fee and a currency conversion fee when exchanging currencies.
• Instant transfer: Convenient but often not free — expect a small fee per transaction.

Transfer fees depend on several factors: the bank, the transfer amount, the type of transfer, and the currencies involved. Always check your bank’s fee schedule before sending money.

FAQ – How to make a transfer to someone else’s account from France?

Let’s wrap up with a few common questions about transfers.

How to make an instant transfer?

Instant transfers work like regular ones — you just need the recipient’s details. Most French banks offer this feature, although it’s rarely free.

How to make a large transfer?

Making a large transfer is possible, but the bank may request supporting documents such as proof of the source of funds.

Can I make a bank transfer by credit card?

Yes, if your bank offers this service. Log in to your online banking space, go to the transfers section, and choose your card as the source of funds.

How to make a transfer without a bank account?

Some services allow transfers without a bank account — for example, Western Union (via money order) or digital services like Orange Money and WorldRemit.

Make transfers easily to 140+ countries with Wise

To simplify your transfers, consider opening a Wise account. It’s a multi-currency account that lets you send money worldwide (140+ countries) in 40+ currencies.

Here are the main advantages of using Wise for transfers:

• Low-cost transfers: small fees for both domestic and international transfers.
• Fast delivery: transfers reach accounts quickly, whether in France or abroad.
• Currency conversion at the mid-market exchange rate, without markups.
• No account maintenance fees.

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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.