Euro from Ireland to a French bank account
Ireland and France share a currency, so nothing is converted in either direction. Euro leaves your Grey balance and credits the account at BNP Paribas, Credit Agricole, Societe Generale or La Banque Postale as an ordinary SEPA payment, typically within minutes, with the fee shown before you confirm.
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One of the busiest routes out of Ireland
France is a corridor with four distinct kinds of sender, and most Irish households will recognise at least one. There are the property owners, a generation of Irish buyers with a house in Brittany, Normandy or the Dordogne and an apartment in the Alps, all of which generate taxe fonciere, syndic charges and a plumber who wants paying this week.
There are the students, because France takes a large share of Irish Erasmus places and a semester in Lyon or Bordeaux comes with rent, a deposit and a caution.
There are Irish companies paying French suppliers, agencies and contractors. And there is the French community working in Dublin's tech and pharmaceutical employers, sending money home to Paris, Nantes or Toulouse.
All four benefit from the same thing. The euro is the currency at both ends, so a transfer is an amount rather than an exchange, and nothing is applied when it lands in France.
Sending to France in three steps
Open an account
Free, about five minutes, and one valid identity document such as your passport or Irish driving licence.
Fund in euro
SEPA transfer from your Irish bank into the Grey euro balance you will pay the French account from.
Pay the IBAN
Enter the French IBAN from their RIB, add the reference the syndic or landlord asked for, check the fee and confirm.
What it costs to send euro to France
The comparison worth making is against your own bank rather than against a currency conversion. Irish banks send euro to France over the same SEPA scheme, but the price sits in a fee schedule and the payment disappears from view once it leaves. Judge the two on what you pay and what you can see.
If you are funding from dollars held on Grey, one conversion into euro happens before the payment goes, and the rate for it sits next to the fee. After that, nothing else is applied between Dublin and the French bank.
How the rate works on a euro to euro transfer
There is no rate between Ireland and France. Euro sent is euro received, so a French notaire asking for a precise figure gets a precise figure.
Where a conversion does apply, because your balance is in dollars or sterling, the rate is shown before you accept it and fixed at confirmation. It does not move while the SEPA credit is travelling, which is what lets you pay a taxe fonciere bill to the cent rather than approximately.
Grey against an Irish bank transfer to France
Since both go over SEPA, the money arrives either way. What differs is the experience of paying: an Irish bank publishes its charge separately from the payment screen, cannot always carry a long syndic reference intact, and offers little visibility once the payment is away. Grey shows the fee as you type the amount, keeps the reference with the money, and tracks the credit until the French bank posts it.
What lands on the French releve
A euro credit on their releve, described the way any French domestic virement is, with the reference you entered attached. They open nothing and install nothing.
French banks
BNP Paribas, Credit Agricole, Societe Generale, La Banque Postale and any French bank with an IBAN.
Timing
From a funded euro balance, SEPA credits to France typically arrive within minutes.
If they use Grey too
GreyTag between two Grey users is free and instant, which suits a student and a parent.
Getting euro into your Grey account in Ireland
The funding side is the same whether the money is going to a syndic or a supplier. Plenty of readers already keep Revolut for spending in France; Grey is the account for payments that must reach a named French bank with a reference.
Irish bank transfer
From your AIB, Bank of Ireland or Permanent TSB account, or An Post Money.
Income in dollars
Paid into your USD account, provided by Lead Bank, then converted once into euro.
Euro already on Grey
A standing balance covers a French bill the day the demand arrives.
Save each French recipient once, the syndic, the landlord, the supplier, and repeat payments come down to an amount and a confirmation.
What Irish senders pay for in France
Property costs
Taxe fonciere, taxe d'habitation, syndic charges and insurance on a house in Brittany or the Dordogne.
Students in France
Rent, deposits and living costs for an Erasmus semester in Lyon, Bordeaux or Paris.
Suppliers and contractors
Irish businesses settling invoices with French agencies, manufacturers and freelancers.
Family at home
French workers in Dublin's technology and pharmaceutical employers sending money to family in France.
Property, study, business and family, in roughly that order of frequency. Each is a euro figure that has to match a document exactly.
Why use Grey between Ireland and France
For an Irish sender this is as simple as a cross border payment gets: same currency, same scheme, one fee. What is worth choosing on is whether you can see the cost when you pay and see the payment afterwards.
Open a Grey account, keep euro on it, and pay the French IBAN when the bill, the rent or the invoice lands.
FAQs
Which French banks can Grey pay into from Ireland?
BNP Paribas, Credit Agricole, Societe Generale, La Banque Postale and any other French bank with an IBAN. No Grey account is needed there.
Do I need the RIB as well as the IBAN?
The IBAN printed on the RIB is what Grey needs, along with the recipient's name. The rest of the RIB is not required.
Is anything converted between Ireland and France?
No. Both countries use the euro, so the amount confirmed in Dublin is the amount credited to the French account.
Can I pay taxe fonciere on a house in the Dordogne?
Yes. Send the exact euro figure to the account on the demand, with the reference attached so it is allocated correctly.
How long does a SEPA credit to a French bank take?
From a funded Grey euro balance, credits to French banks typically arrive within minutes and are trackable until they settle.
Will my syndic reference reach the French bank?
Yes. The reference you enter travels with the euro credit, which stops a payment to a syndic sitting unallocated.
Can I send rent for an Erasmus student in Lyon?
Yes. Save the landlord's French IBAN once and each month's rent becomes an amount and a confirmation.
Can an Irish business pay a French supplier through Grey?
Yes. Enter the supplier's French IBAN and invoice reference, with the fee shown on the same screen before you confirm.
Does my recipient in Paris need to join Grey?
No. The euro arrives as an ordinary virement in their existing French account. Grey accounts only matter for free GreyTag transfers.
Can I fund a French payment from dollars held on Grey?
Yes. Dollars convert into euro once before the payment leaves, at the rate fixed on confirmation, and France receives euro.
Is Grey different from a euro transfer through my Irish bank?
Both use SEPA. Grey prices the payment on the screen where you enter it and lets you track the credit into France.
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