SWIFT / BIC Code
PAOTFRP1
PAYTOP
PAOTFRP1 is the BIC (SWIFT code) of PAYTOP, based in Paris. Its IBANs are 27 characters long. The bank receives SEPA Instant transfers.
Check an IBAN from PAYTOP
Paste an IBAN from France to check its check digits and see which bank it belongs to.
BIC Breakdown
PAOT: institution identifier (4 letters)
FR: country code per ISO 3166-1
P1: location code (city / timezone)
Bank Details
Payments it can receive
PAYTOP's participation in the European payment schemes, from the EPC register of participants.
Sending money to an account at PAYTOP?
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IBAN format for 🇫🇷 France
France IBANs are 27 characters long.
Frequently Asked Questions
What is the SWIFT code for PAYTOP?
PAOTFRP1. Written with the head-office branch code it is PAOTFRP1XXX; both forms reach the same bank. A euro transfer within SEPA needs only the IBAN.
What does PAOTFRP1 mean?
"PAOT" identifies PAYTOP, "FR" is the country code for France, "P1" is the location code.
How long are PAYTOP IBANs?
27 characters, like every IBAN from France: the country code FR, two check digits, the bank code (5 digits), the branch code (5 digits), the account number (11 characters) and the check key (2 digits).
Can I send an instant transfer to PAYTOP?
Yes. The European Payments Council lists PAYTOP in SEPA Instant Credit Transfer since 14 January 2026, so an instant euro transfer from a participating bank reaches its accounts in seconds.