SEPA at Credit Mutuel (France)
Working with Credit Mutuel (BIC CMCIFRPP, Code banque 15589)? Here is what you need to upload your SEPA file and have it processed without friction.
TL;DR
- BIC:
CMCIFRPP - Code banque:
15589 - SCT cut-off: 15:30 CET
- Formats: SEPA XML pain.001/pain.008, CFONB 160, EBICS
- Upload path: CIC/Credit Mutuel Entreprises -> Cash management -> File import -> SEPA XML.
Quirks
Cooperative federation; shares tech with CIC. Codes banque differ per federation.
Step-by-step upload
- Generate your SEPA XML in GenerateSEPA or export from your ERP.
- Validate the batch with our SEPA XML Validator.
- Sign in to online banking: CIC/Credit Mutuel Entreprises -> Cash management -> File import -> SEPA XML.
- Confirm signing (second factor if needed).
- Download the receipt.
Spotting a Credit Mutuel IBAN
Verify any IBAN with Bank from IBAN before triggering a collection or payment.
Common errors
- Uploading an unsupported file format (check ‘Formats’ above).
- Missing the 15:30 CET cut-off (operation rolls to D+1).
- Out-of-date debtor IBAN or mandate (AC01 / MD01 returns).
Conclusion
Credit Mutuel accepts standard SEPA XML for euro operations. Follow the steps above and always validate before submitting. Confirm the exact upload path with your relationship manager if the UI differs (screens change).
