How do I Add a Recipient to Online Postal Banking?

You want to make a transfer to the Banque Postale but you do not know how? First of all, be aware that there are several possibilities. Find out which ones. And follow the formalities to complete the transaction in the best conditions. Permanent or occasional SEPA transfer, in France or abroad, instant… We tell you everything!


What is a SEPA transfer?
All transfers in euros, in France and in Europe from La Banque Postale comply with SEPA (Single Euro Payments Area) standards.

The objective of this standard is to harmonize the means of payment in the European area. In other words, you have the possibility of making a transfer in euros in the European SEPA area under the same conditions as a transfer in France.

The difference between occasional and permanent transfers
At the Banque Postale as in other banking institutions, you can choose between occasional transfers and permanent transfers.

When you make an occasional transfer, the order is given for one payment. On the other hand, in the context of a permanent transfer, it is a regular transfer order of the same amount for the same person or organization. You then determine the frequency. In general, individuals implement monthly transfers

Please be aware that you can change or end the permanent transfer at any time by approaching your post office. The advantage of the permanent transfer is that it saves you steps. Payments are made without you having to think about it. You can use it for example to pay rent.

What is instant SEPA transfer?
From your Internet Banque Postale customer area, you can make an instant transfer. But what is it really about? This is a new service that allows you to send and receive money in seconds.

The funds are immediately available and reusable by the beneficiary. On the other hand, the operation can be carried out at any time 24 hours a day, 7 public holidays, including public holidays.

La Banque Postale sends you a notification confirming the correct execution of the transaction (or its failure) and informs you that the transfer has been received.

Please note that the instant SEPA transfer cannot be canceled. The transfer order is irrevocable upon receipt by the bank. Therefore, the client cannot take over the funds, which is insurance for the beneficiary.

What information is needed to make a transfer to Banque Postale?
The first thing to do is to provide you with the beneficiary’s bank details. To do this, ask him for a bank identity statement (RIB) issued by his bank. Indeed, you will need the following information to complete the operation:

the identifier and the name of the bank;
account number to be credited. This is the IBAN code.
And to make an international SEPA transfer, you can request it by mail to your financial center. To do this, obtain an “International Money Transfer Order” form. Provide personal and bank details as well as the account number to be credited.

How to make a transfer to the Banque Postale: the possibilities
You have several options for making your transfer:

via your customer area on the Internet. Access your personal space by logging into the Banque Postale website. Then go to the “Transfer” section to make, modify or cancel your transfers in France and abroad. From your personal space, you can also add a beneficiary via the CERTICODE service;
using the Banque Postale mobile application. Easy to use and free, it can be downloaded from the Apple Store and Google Play. From the Post app, you can view and manage your accounts from anywhere, anytime. In the “Transfer” section, make, modify or cancel your transfers in France and abroad. You also have the CERTICODE PLUS service at your disposal. It allows you to add a beneficiary;
on the phone by calling 3639 (0.15 euros per minute local call price). Before calling, use your username and password to authenticate online. By telephone, you can make a transfer to a beneficiary already registered via the CERTICODE or CERTICODE PLUS service;
Finally, you can perform the operation by going directly to your usual post office. Then fill out a form for the ATM to make the transfer for you.
What are the CERTICODE and CERTICODE PLUS services of the Banque Postale?
La Banque Postale offers its private customers the CERTICODE and CERTICODE PLUS services for making transfers.

These devices also help to increase the security of your transactions from your personal space and the mobile application. They are available continuously 24 hours a day, 7 days a week from a mobile phone.

Subscription to the service is done at the post office with a counter or a bank advisor.

The principle is very simple:

you carry out a transaction such as a transfer of your space personnel;
you will then receive a unique validation code via SMS to your mobile phone. Please note that only the telephone number declared to the establishment will be able to receive the validation codes. This code is intended for one-time use and has a limited lifespan;
Then enter this code in your Internet customer area;
the operation is validated!
Note : the CERTICODE service is not only used to register a beneficiary or make a transfer, but it is also useful to change your postal address and to facilitate the management of your accounts.

How to make an international transfer to La Banque Postale?
Please note that the bank allows you to make an international transfer to 100 countries around the world. The transaction must be carried out online, from your Internet customer area or by mail to your financial center. Regarding a transfer Like traditional SEPA, you must have the beneficiary’s bank details (ID and name of the bank, account number to be credited (IBAN)).

On the other hand, this service comes with options:

net transfer of fees. For countries outside the European Union, you can request the option “Foreign correspondents fees invoiced to the issuer”. As such, you are assured that the beneficiary receives the transfer amount net of fees;
beneficiary information. This option allows you to specify the reason for payment to the beneficiary.
Also note that you can set up a permanent international transfer. This is a regular transfer order for the same amount for the same person or organization.

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