Send money to France

Wise is typically the cheapest for most currency pairs to EUR. For Moroccan or Algerian senders in France receiving from family, providers like Remitly, WorldRemit, and Western Union also offer competitive rates. For USD-to-EUR transfers, OFX and Wise are both very competitive.

French IBANs are exactly 27 characters: FR + 2 check digits + 5-digit code banque + 5-digit code guichet + 11-digit account number + 2-digit clé RIB. Example: FR7630006000011234567890189. BNP Paribas bank code is 30004, Crédit Agricole varies by region, Société Générale is 30003, La Banque Postale is 20041.

SEPA Instant transfers to French banks arrive in seconds. Standard SEPA Credit Transfer arrives next business day. Wise delivers to BNP Paribas, Société Générale, and most French banks using SEPA Instant where supported. International SWIFT wires take 1–3 business days before the SEPA leg inside France.

Yes. La Banque Postale accepts all standard SEPA transfers and SWIFT wires. Its IBAN starts with FR + bank code 20041. With over 17,000 post office locations, it is especially useful for recipients in smaller towns and rural areas who don't have easy access to traditional bank branches.

France has gift tax (droits de donation) with exemptions of €100,000 per parent per child every 15 years. Regular family support transfers are not generally subject to tax. French tax residents must declare foreign assets above €10,000 and foreign accounts — but routine family remittances under exemption thresholds are not taxable. Consult a French notaire or tax advisor for large transfers.