Top 5 secure ways to send money to France in 2025

France is one of the most important destinations for global payments, thanks to its strong economy, attractive property market, and leading role in international trade. Whether you are buying a Paris apartment, paying a supplier in Lyon, or sending funds to family in Marseille, choosing the best and most secure money transfer method can save you time, costs, and stress.

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1. SWIFT bank transfers

SWIFT remains the most widely used channel for high-value international payments. It offers full traceability, secure settlement between banks, and is accepted by all major French banks. This method is ideal for business contracts, real estate transactions, and large personal transfers.

Advantages include strong security, official documentation for compliance, and the ability to send in major currencies such as USD, EUR, and GBP. However, fees and intermediary delays can occur, so it’s best to work with a bank that has established correspondent relationships in France.

2. Multi-currency accounts

For businesses and individuals making frequent transfers, a multi-currency account allows you to hold funds in EUR alongside other currencies. This makes it possible to convert when rates are favorable, avoiding double currency conversions and reducing exchange costs.

Multi-currency accounts are particularly useful for companies with recurring payments to French suppliers or freelancers working with clients in France.

3. Regulated fintech payment platforms

Licensed digital payment providers can offer faster settlements and lower fees for smaller or recurring payments. These platforms often provide user-friendly apps, 24/7 transfers, and competitive FX rates. They are well-suited for service payments, tuition fees, and regular personal support transfers.

When choosing a fintech provider, ensure it is regulated in both your country and the EU to guarantee compliance and payment protection.

4. Alternative payment routes

In cases where SWIFT is slow or unavailable, alternative routes via partner banks or settlement networks can be used. These are particularly valuable for urgent payments or transfers to less common banks in France.

Under the agency model offered by VelesClub Int. and UNIBROKER, you can access such routes without changing your current bank, while ensuring all compliance requirements are met.

5. Cryptocurrency settlements under compliant structures

For certain transactions, cryptocurrency can be a fast and cost-effective payment method. Under properly structured and regulated arrangements, funds can be converted to EUR in France through licensed partners. This method can be useful for cross-border trade or asset purchases where speed is critical.

However, this option should only be used with full legal guidance to ensure compliance with French and EU financial laws.

Currency and FX strategies for France

Since France uses the euro (EUR), exchange rate volatility may still affect transfers from USD, GBP, or other currencies. To optimize:

• Send in EUR when possible to avoid double conversions
• Negotiate FX rates for large transfers
• Use multi-currency accounts to time conversions strategically

Integrating payments with other services

For many businesses, sending money to France is just one part of the process. Integrating payments with logistics, customs, and documentation can save time and reduce errors.

Explore our full range of global services to see how we combine financial solutions with international shipping, certification, and insurance.

Common mistakes to avoid

• Using unregulated providers with unclear fees
• Sending payments close to French public holidays, causing processing delays
• Providing incomplete beneficiary details or incorrect IBANs
• Failing to prepare compliance documents, resulting in payment blocks

Why choose VelesClub Int. and UNIBROKER for your transfers?

• End-to-end service: Payments for imports, real estate, personal transfers — all through one operator
• Global coverage: USD, EUR, CNY, USDT, and more — to and from any country
• Legal compliance: Operating within Russian Federation law (CB Instruction No. 181-I) and French/EU regulations
• No bank change needed: Keep your current account without transferring currency control
• Optional insurance: Licensed coverage for payments and cargo
• Proven network: Agents, banks, and settlement partners worldwide