The 60-second version
New Caledonia bank exit needs zero balance NOC, XPF conversion if needed, SWIFT to NRE, and Schedule FA for last FY.
XPF wires route via EUR correspondent — book FX desk early at Nouméa branch
BNC / Société Générale Calédonienne serve Nouméa expats — obtain written closure NOC after final payroll credit.
XPF wires to NRE may route via EUR correspondent bank — retain SWIFT copy for AD bank.
Tax lane: tax residency guide for Pacific/French territory exit.
New Caledonia bank wind-down
| Bank | Currency | Step |
|---|---|---|
| BNC | XPF | Written closure |
| Société Générale Calédonienne | XPF | Zero balance |
| Correspondent | EUR | SWIFT trail |
| NRE | INR/USD | FIRC receipt |
Closure
Stop debits
Cancel cards.
Final payroll
Wait for credit.
XPF convert
EUR if needed.
SWIFT NRE
AD bank Form A2.
Schedule FA
Last FY account.
Flow
New Caledonia bank kit
- Passport.
- Account stmt.
- Closure NOC.
- SWIFT.
- Tax clearance.
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XPF peg
CFP franc (XPF) is pegged to EUR — many AD banks prefer EUR SWIFT leg before NRE credit.
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FBAR?
US person — FinCEN 114 if aggregate > USD 10K.
Schedule FA?
Declare in last FY you held foreign account.
Brokerage?
No local exchange — bank custody only if held.
Form 67?
If overlap-year foreign withholding and India tax on same income.
France tax?
French territory income may need France return guide for social charge overlap.
Retention?
Keep NOC and SWIFT 7 years Indian + 10 years US/UK.
Your NRE account redesignation has a deadline.
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