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International transfer blocked from France: possible solutions

Soufiane Baba
Soufiane Baba
11.11.25
Read time 3 minutes

There are many reasons why an international transfer might be blocked in France — and just as many ways to resolve the issue. So, why would an international bank transfer appear stuck in your account? And what can you do about it? Let’s take a closer look.

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Blocked international bank transfer: possible causes

A blocked international transfer can be stressful for both the sender and the recipient — but there’s no need to panic. This is a well-known situation in international banking, and it often has a simple explanation.

If your non-SEPA transfer is blocked, here are some common causes to consider.

Error in bank details

Transfers outside the SEPA zone require more information than domestic or European ones. One of the most frequent causes of a blocked international transfer is an error in the recipient’s bank details.

Check that you have entered all required information correctly: the recipient’s name, IBAN, and BIC or SWIFT code.

Beneficiary account in default

If the details are correct but the transfer is still blocked, the problem may come from the recipient’s account.
If the beneficiary is overdrawn or has unpaid debts, their bank may freeze incoming funds until the situation is resolved.

Dispute between sender and recipient

In some cases, a bank may suspend an international transfer if there is an ongoing dispute between the sender and the recipient. The bank can temporarily block the transfer until the dispute is settled.

Problem with the recipient’s account

A transfer may also be blocked if the recipient’s bank deems that the account cannot receive funds — for example, due to restrictions or verification issues.
The bank will usually notify the recipient and allow them to resolve the issue within a given timeframe.

NB: Other factors can also cause a transfer to be blocked. It’s always best to contact your bank directly for clarification and support.

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Solutions for a blocked international bank transfer

The good news is that most transfer blockages can be resolved. Depending on the reason, here are several practical steps to take.

1. Check available funds

Make sure you have enough funds in your account to cover the amount of the transfer. It may sound obvious, but this is a common oversight.

2. Check your transfer limits

Banks usually apply daily or weekly transfer limits. If you’ve reached the limit (for example, €1,000 per day), any amount exceeding it will be blocked automatically.
You can request to raise your transfer limit directly through your online banking or by contacting your advisor.

3. Contact your bank advisor

If your international transfer remains blocked, contact your bank advisor. They are best positioned to identify the reason for the blockage and help you fix it.
If the issue is simple, your advisor may be able to resolve it immediately. Otherwise, they will guide you through the process step by step.

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FAQ: Blocked international transfer in France

How to tell the difference between a delay and a blockage?

International transfers can take several business days to process.
If the recipient hasn’t received the money yet, it doesn’t necessarily mean the transfer is blocked.
In the event of an actual blockage, the sender will typically receive a notification or letter from their bank.

Received a blocked international transfer — what should you do?

If you’ve received a transfer that is blocked, contact the sender to confirm the situation. The sender must then contact their bank to find out the reason for the delay or blockage and how to resolve it.

Can an international transfer be permanently blocked?

In rare cases, yes — a bank may permanently block a transfer, often for compliance or anti-fraud reasons.
This can also lead to the closure of the sender’s or recipient’s account, for instance in cases of suspected money laundering or fraudulent activity.

With Wise, send international transfers from France easily — no hassle!

Avoid the frustration of blocked transfers by using Wise.
Send money to 140+ countries in just a few clicks, safely and transparently.

With Wise, you can also hold 8+ local account details and send money in over 40+ currencies.
Plus, Wise always uses the mid-market exchange rate, helping you save on every transfer.

Opening a Wise account is free and there are no monthly or 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.

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

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