Personal Finance Money transfer

International transfer with LCL from France: rates and fees

Soufiane Baba

23.09.25

Read time 3 minutes

LCL offers a wide range of financial and savings products, as well as life insurance. It’s also possible to make international transfers through the bank. But how do you send money abroad with LCL from France, and how much does it cost? Is there a cheaper and easier-to-use alternative? Let’s take a look.

With a Wise account, you can make international transfers to 140+ countries and benefit from the mid-market exchange rate when converting currencies. More information on this option is provided later in the article.

Discover the Wise account

Summary of LCL fees applied to international transfers

Here is a summary of the fees applied to international transfers by LCL bank¹:

Occasional transfer	Fee amount
SEPA transfer	Free online / €6.50 in branch
Non-SEPA transfer	Fixed fee up to €26.25 + proportional fee up to 0.13% of the transferred amount + foreign exchange fee

Find more details below.

For comparison, the Wise account allows you to send money abroad using the mid-market exchange rate when converting currencies. All fees are shown upfront before you confirm the transaction.

How to make an international transfer with LCL?

With LCL, you can make an international transfer online or at a branch. You can also transfer money via ATMs or by phone between your personal LCL accounts.

Online international transfers

LCL customers can make an international transfer online from their account. To complete the transaction, you must:

Log in to your personal account using your username and password.
Have your bank details (BIC and IBAN of the beneficiary) ready.

When logged in:

Select Current Transactions from the menu.
Click on Make a Transfer under the Transfer tab (top left corner).

You will then select the sending account and the receiving account. If you need to add a new beneficiary, the transaction must be validated by an advisor.

Once the beneficiary is registered with the necessary details (IBAN number, name, or company name):

Enter the amount to transfer and the desired transfer date.
Choose whether it is a standing order or one-time transfer.

You will receive an email or text to validate the transaction. Simply enter the security code received to confirm the transfer.

International transfers at a branch

You can also visit any LCL branch to make a transfer. A list of its 1,400 branches² and their addresses can be found online.

There’s no need to book an appointment — go to the counter and ask for an international transfer.

Bring the following documents:

Valid ID card or passport
Recipient’s bank details

Tell the advisor the transfer amount, deadline, and whether it’s a one-off or recurring transfer.

Essential information for making an international transfer

Have ready:

The recipient’s IBAN (up to 34 digits)
Their SWIFT or BIC code (8–11 alphanumeric characters)
Their name and address
Currency, amount, and desired transfer deadline

Receiving an international transfer

To receive money into your LCL account, you need to provide:

Your RIB (Bank Identity Statement) with your IBAN
The SWIFT/BIC code designating LCL
Currency, amount, and expected timeframe

How long does an international transfer with LCL take?

SEPA transfers in euros: usually 1 to 3 business days.
Transfers to the EEA outside the eurozone: generally 4 business days.
Transfers outside the EEA: may take longer depending on the banking network and countries involved.

International transfer rates with LCL

SEPA transfers¹

Only the SHARE option is available within SEPA, meaning fees are split: the sender pays issuance fees, the beneficiary pays collection fees.

	Online	In branch
To another LCL account	Free	Free
Occasional transfer to another bank	Free	€6.50
Standing order to another bank	Free	€1.62
Instant Transfer	Free	N/A
SEPA Instant Transfer Recall Request	€9.85	-
Intervention Fee	€8/transaction (max €80/month)	-
Urgent Processing	€48	-

Receiving a SEPA transfer is free at LCL¹.

Non-SEPA transfers (outgoing)

Costs vary depending on the option chosen (OUR, SHARE, or BEN).

Excluding commissions and flat fees, a non-SEPA transfer with LCL costs at least €26.25.¹

Type of fee	Amount
Transfer fees up to €80,000	€26.25
Transfer fees over €80,000	0.13% commission
Foreign exchange commission	Consult LCL
Correspondent bank fees	Consult LCL
Transfer reprocessing	€13.10
Callback request	€9.85

Other fees: forward exchange commission of 0.055% up to €75,000 (min €28.50), and €42.20 per foreign currency transaction.¹

Receiving a non-SEPA transfer

Type of fee	Amount
Flat repatriation fee (euros or foreign currencies)	€19.65¹
Foreign exchange fee	Consult LCL

Final fees depend on:

SEPA vs. non-SEPA transfer
Whether the beneficiary account is at LCL or another bank
Online vs. in-branch transaction
Amount transferred
Currency conversion
Chosen option (OUR, SHARE, BEN)

Generally, online transfers are cheaper than in-branch.

Wise: a cheaper alternative to international transfers from France

International transfers with LCL may involve certain fees and steps. A Wise account could be an alternative to consider.

With a Wise account:

Send money to 140+ countries worldwide
Convert currencies at the mid-market rate, without hidden markups
See all fees clearly before confirming
Enjoy an account without monthly or annual fees

Open your Wise account

Sources:

1 – Price brochure LCL
2 – Number of LCL agencies in France

Sources last verified on April 13, 2024

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.

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