French PolynesiaXPFCFP Franc
French Polynesia is part of France, but not the European Union or eurozone - so it has its own currency. The Pacific franc XPF is fixed to the euro: 1 EUR = 119.3317 XPF, and this rate is not revised. This means the amount calculated today will arrive in Papeete unchanged. What's unpredictable here isn't the money, but the time: Tahiti is 13 hours behind Moscow, and when the work day ends in Russia, it's just beginning on the islands. You should factor this into your timeline expectations. Commission from 0.9%.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is the Pacific franc (XPF), also used in New Caledonia and Wallis and Futuna. The XPF exchange rate is fixed to the euro at 1 EUR = 119.3317 XPF. French Polynesia has the status of an overseas collectivity of France with broad autonomy and, unlike French Guiana or Martinique, is not part of the European Union but is classified as an overseas country and territory associated with the EU. The territory comprises 118 islands grouped into five archipelagos; they are scattered across a vast area of the Pacific Ocean, but the main banking and business infrastructure is concentrated on the island of Tahiti, particularly in the capital Papeete. Bank transfers use French-style account details, including IBAN with country code PF, 27 characters long; along with IBAN, a SWIFT/BIC code is required for international transfers. The banking core of the territory consists of Banque Socredo, the largest local bank, Banque de Tahiti, and Banque de Polynésie. Banque de Polynésie is part of the Société Générale group.
The official languages are French and Tahitian, with banking documents typically prepared in French. The main practical consideration for this corridor is the UTC−10 time zone: Papeete is 13 hours behind Moscow, so banking hours barely overlap with Moscow business hours and applications are best submitted with time to spare. ATM24 verifies the available route in advance before confirming the application. International SWIFT transfer time is 2–5 business days. ATM24 commission is from 0.9%.
Socredo and Banque de Tahiti cards are issued directly in Pacific francs, so the recipient won't need to convert euros on their end - the rate is already built into the peg. Banque Socredo, Banque de Tahiti, Banque de Polynesie. For crediting, you need 16 card digits and cardholder name in Latin characters. Amount in francs is calculated from euros at the fixed rate of 119.3317
The territory has its own IBAN code - PF, with the same 27-character structure as France. For the application you will need IBAN format PF, bank SWIFT code, and recipient name in Latin characters. The territory is not in the eurozone, so accounts are maintained in XPF francs, not euros. Account for the 13-hour time difference: banking days for both sides barely overlap
Pacific franc cash withdrawal: almost all infrastructure of the territory is on Tahiti. Papeete on Tahiti - the capital and only major city in the territory. Banking presence on remote archipelagos is minimal; cash needs to be arranged in advance. Confirm the island and amount in advance, before submitting the application
French Polynesia uses IBAN: it has its own country code PF in the 27-character French format. The application requires IBAN, bank SWIFT code, and recipient name in Latin characters. The exchange rate is fixed to the euro - 1 EUR = 119.3317 XPF, so the amount in francs is known in advance. Keep two points in mind about this corridor. First: the territory is not in the eurozone, and the recipient's account is maintained in francs, not euros. Second: there is a 13-hour time difference with Moscow, and banking hours barely overlap - you should allow extra time for the transfer.
We accept RUB, USD, EUR and USDT — we pay out in XPF
RUB XPF
1.13per 1 RUB
10 000 ₽ = 11 316 XPFUSD XPF
100.18per 1 USD
100 $ = 10 018 XPFEUR XPF
111.09per 1 EUR
100 € = 11 109 XPFUSDT XPF
100.18per 1 USDT
100 USDT = 10 018 XPF| You send | Payout in XPF |
|---|---|
| 100 USDT | 10 018 XPF |
| 300 USDT | 30 055 XPF |
| 500 USDT | 50 091 XPF |
| 1 000 USDT | 100 182 XPF |
| 5 000 USDT | 500 910 XPF |
Where recipients usually get the money in French Polynesia
Banque de Polynésie Société Générale — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
Banque de Tahiti BNP Paribas — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Caisse d'Épargne Polynésie — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
Credit Agricole Polynésie — a bank with an agricultural profile that typically serves farmers and small businesses through accounts and regional branches.
National currency
The national currency is the Pacific franc (XPF), with an exchange rate fixed to the euro: 1 EUR = 119.3317 XPF. XPF is the common currency of three French Pacific territories. Cash is in circulation; non-cash transfers are through French infrastructure.
Card systems
An overseas collectivity of France, using the Pacific franc (XPF). Visa and Mastercard are widely accepted. Societe Generale Polynesia and Banque de Polynesie are the main banks. SEPA transfers are available from France.
Payment applications
French Polynesia has the status of an overseas collectivity of France and is not part of the European Union.
Interbank transfers
Bank transfers use account details with IBAN format PF, 27 characters long, and bank SWIFT/BIC code.
Financial regulator
Banque de France is the central bank for this French territory and is part of the European System of Central Banks. Prudential supervision of banks is carried out by the ACPR (Autorité de contrôle prudentiel et de résolution). EU sanctions against Russia are applied in full on the territory.
Special features for ATM24
The territory comprises 118 islands grouped into five archipelagos.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Only methods present in both the country description and the current route are shown.
Real stories from real people
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Read full reviewThe service, customer care and conditions are excellent! I compared with other places—this is the most favorable here. The ability to withdraw from 2000 baht is priceless! I recommend it! 🙂🙌 nice to cooperate with
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Read full reviewGreat company! They delivered me baht in 20 minutes. The exchange took about 20 minutes too. A Thai guy drove up, we went into a cafe, I grabbed some water, and just followed the instructions in WhatsApp. My manager was Ekaterina, she responds very quickly, everything clear and to the point. I will use them again! 5 stars, definitely! Awesome service! My bank was Tinkoff.
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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We've gathered answers about the Pacific franc, its fixed link to the euro, and how the 13-hour time difference affects transfer timelines.
To send money to French Polynesia with payout in XPF through ATM24, start with the recipient's exact route for the French Polynesia XPF payout route. ATM24 confirms the amount, payment method, fee from 0.9%, timing from 15 minutes, and bank such as Banque de Polynésie. Bank-route examples for French Polynesia: Banque de Polynésie, Banque Socredo, and Banque de Tahiti.
A card or bank-account payout in French Polynesia in XPF is possible only when the selected route supports it. ATM24 verifies whether the recipient's card, account number, and name match the French Polynesia XPF payout route. The manager confirms the selected bank, such as Banque de Polynésie or Banque de Tahiti, before payment because card and account rules may differ. Bank-route examples for French Polynesia: Banque de Polynésie, Banque Socredo, and Banque de Tahiti.
ATM24 can check whether an XPF transfer to French Polynesia may go through Banque de Polynésie, Banque Socredo, and Banque de Tahiti. The receiving bank must match the recipient details and accept the selected payout route. The manager confirms the bank, account or card format, and final amount before payment.
For French Polynesia, ATM24 does not use one universal recipient form for every XPF transfer. The details are checked by route: Banque de Polynésie, Banque Socredo, and Banque de Tahiti, card payout, account payout. Name, account/card data, and payout currency must match the selected option. Bank-route examples for French Polynesia: Banque de Polynésie, Banque Socredo, and Banque de Tahiti.
An XPF transfer to French Polynesia can start from 15 minutes after ATM24 confirms the recipient route. Timing depends on amount, recipient details, and French Polynesia XPF payout route, Banque de Polynésie, Banque Socredo, Banque de Tahiti, card route, account route, and different receiving rules for Banque Socredo and Banque de Polynésie. The expected payout window is shown before payment. Bank-route examples for French Polynesia: Banque de Polynésie, Banque Socredo, and Banque de Tahiti.
The ATM24 fee for sending money to French Polynesia with payout in XPF starts from 0.9% on the French Polynesia XPF payout route. The final calculation depends on the amount, payment currency, payout method, exchange rate, and the recipient's bank. If the sender pays by an international card or through a bank transfer, the card issuer or sending bank may charge its own foreign transaction, conversion, transfer, or dynamic currency conversion fee. Bank-route examples for French Polynesia: Banque de Polynésie, Banque Socredo, and Banque de Tahiti.
Payment for an XPF transfer to French Polynesia can be arranged through an available sender method after ATM24 checks the receiving route. The check includes the French Polynesia XPF payout route, bank such as Banque de Tahiti, fee from 0.9%, and exchange conditions. USDT network cost or card-issuer charges are confirmed separately. Bank-route examples for French Polynesia: Banque de Polynésie, Banque Socredo, and Banque de Tahiti.
For French Polynesia, the minimum XPF transfer through ATM24 starts from 100 USD or the equivalent. The upper limit is route-based: the manager checks Banque de Polynésie, Banque Socredo, recipient details, payout method, and document requirements before payment. A route through Banque Socredo may have different limits than a card or non-bank payout. Bank-route examples for French Polynesia: Banque de Polynésie, Banque Socredo, and Banque de Tahiti.
For a large XPF transfer to French Polynesia, ATM24 reviews documents around French Polynesia XPF payout route, Banque de Polynésie, Banque Socredo, recipient-name match, route limit, payment purpose, source-of-funds review, and different receiving rules for Banque Socredo and Banque de Polynésie. The request may require sender ID, source-of-funds details, recipient bank data, and payment purpose. The manager confirms the exact list before payment. Bank-route examples for French Polynesia: Banque de Polynésie, Banque Socredo, and Banque de Tahiti.
If you send 1000 USD to French Polynesia, the recipient amount in XPF is not a generic market-rate number: 100,181.92 XPF. The calculation uses the payout route, bank such as Banque de Tahiti, fee from 0.9%, and exchange conditions. ATM24 confirms the final amount before the sender pays. Bank-route examples for French Polynesia: Banque de Polynésie, Banque Socredo, and Banque de Tahiti.
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