International transfer with CIC: rates and fees

CIC is known for offering a variety of savings and credit products. However, as with many traditional banks, sending or receiving money from abroad may not always be the simplest or most cost-effective option.

In this article, we’ll explain step by step how to make an international transfer with CIC Bank. You’ll also discover practical alternatives for transferring your money, such as the option offered by Wise, which could often be more cost-effective.

Discover the Wise account

Example: If you want to make an occasional transfer of €1,000 from your online account to a sterling-denominated account in the UK, here are the fees that may apply:¹

The commissions and fees listed in this article are from the bank’s official website and compared with the Wise calculator.

The exchange rate and fees applied may vary according to individual agreements between CIC and its clients.

Fees for international transfers can vary depending on your contract, your branch, the amount, the currencies, and the receiving country. The above comparison is just an example.

CIC International Transfer Fees

The costs of these international transactions vary depending on the transfer method chosen:

• SHA (shared fees): only the fees charged by the issuing bank are paid by the sender.

• OUR (sender pays fees): all fees are covered by the sender (including intermediary bank fees).

• BEN (beneficiary pays fees): fees are deducted by the recipient’s bank. For CIC, this option is not available online.

They may also vary depending on the currency, the sending country, and whether you are sending or receiving.

CIC International Transfers in the SEPA Zone

Here is a summary of the fees:¹

There is also a €10 exchange fee if a conversion is required.¹

International transfers outside the SEPA zone

Here is an overview of the fees applied:¹

In addition, there's a €10 exchange fee.¹

You’ll also need to factor in intermediary bank fees, as well as any exchange rate markup, which depends on the currency and the destination country.

With Wise, you benefit from the mid-market exchange rate and can see exactly how much your transfer will cost upfront. Fees are transparent and low.

FAQ CIC International Transfers

You can make international transfers with CIC either online or in a branch.

How to make an international CIC transfer online?

• Log in to your online account via the website or app with your username and password. These are provided on your personal key card (which can be ordered through your account).
• In your account, click on the “Transactions” tab, then select “Transfer” > “International Transfer.”
• If the beneficiary is already saved, simply select them.
• If not, add a new beneficiary by entering their name and bank details. For security reasons, this will be validated by SMS verification.
• Once validated by your CIC branch, complete the required fields:
  • Amount
  • Currency (euros or other)
  • Recurrence of the transfer
• Confirm using the code sent to your mobile.

You will then need to confirm the transfer by copying the security code sent to your mobile phone.

CIC also offers the SafeTrans system for additional security. To use it, connect the dedicated device to your computer via USB and follow the on-screen instructions.

CIC International Transfer at a Branch

You can also make an international transfer at any CIC branch. Bring:

• Your ID
• The recipient’s banking information (IBAN and SWIFT code)
• Your own account details

Then specify the amount and desired transfer date.

What information is required to make an international transfer?

• Recipient’s IBAN (up to 34 characters)
• Recipient’s SWIFT/BIC code (8–11 characters)
• Recipient’s full name and address
• Transfer currency, amount, and desired timeframe

What information is required to receive an international transfer?

Provide the sender with:

• Your CIC bank account details (RIB), including:
  • Your IBAN (up to 34 characters)
  • Your SWIFT/BIC code (8–11 characters) identifying CIC
• Currency, amount, and timeframe for receipt

What is the limit for a CIC transfer to another bank?

For transfers outside the SEPA zone in foreign currencies, limits may vary compared to euro transfers. Contact your CIC advisor for exact limits.

How long does an international CIC transfer take?

• SEPA transfers: generally processed within 4 business days maximum²
• Non-SEPA transfers in foreign currencies: up to 5 business days²

Make international transfers at lower cost with Wise

With Wise, you can avoid complicated procedures and benefit from faster, lower-cost international transfers.

Here’s how to make an international bank transfer with Wise:

• Log in to your account

• Click on “Send money” and create a transfer

• Enter the currencies, amount, and transfer type (“fast,” “low cost,” or “easy”)

• Enter the recipient’s details (IBAN or local bank account number)

• Verify all details

• Confirm your payment and send money from your account, or pay by card for faster processing

Open your Wise account

Sources:

Last verified on June 5, 2025.

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.