Section actions
Duration: Standard application according to bank; entitlement to account according to regulatory steps after full file
Cost: Variable rates in ordinary bank; free basic services in designated bank
Possible online
Who this guide is for
Section actions
- Newcomers in need of a deposit account and a BIN
- Persons who have received a refusal or no response for 15 days
- Users comparing conventional account, online bank and basic account fee services
To be prepared in advance
Section actions
- Valid identification
- Proof of domicile and residence permit when requested by the bank
- Proof of filing of application and letter of refusal or evidence more than 15 days old
- For the right to the account: form, declaration of honour of absence of a personal account and documents from the official list
Step-by-step procedure
Section actions
- 1Compare the account agreement, card fees, transfers, withdrawals, overdraft and closing. A free advertised account does not make all transactions free.
- 2File the application and keep dated proof: acknowledgement of receipt, electronic confirmation or copy delivered to the counter. The bank may request additional information to identify the customer and comply with its due diligence obligations.
- 3In case of agreement, read the account agreement and tariff brochure before use, then retrieve the BIR and check the means of payment granted.
- 4In case of refusal, request the letter of refusal. The absence of a reply within 15 days of a proven request shall also be deemed to be a refusal for the account entitlement procedure.
- 5If you do not have a personal deposit account in France and meet the residency or nationality requirements, file the file with the Banque de France online, at the counter or by mail. The bank that refused can also transmit it at your request.
- 6The Bank of France shall designate an institution within one working day after receipt of the complete file. The designated bank shall communicate the coins and then open the account within the prescribed period after receipt.
- 7Basic services are free of charge: account maintenance and closing, RIB, transfers and levies, cash transactions, remote consultation and card with systematic authorization. The overdraft and an ordinary checkbook are not guaranteed.
Common mistakes
Section actions
- Do not retain proof of application date and no longer be able to establish 15 days
- Believing that any bank must accept an ordinary commercial opening
- Forget to ask for the letter of refusal
- Consolidate free basic services and all banking products
- Transmit RIB, IDs or codes to an unknown person claiming to facilitate opening
Official sources
Section actions
Show sources in this section
Important remark
Commercial opening depends on the bank's policy and its controls. Entitlement to the account implies formal conditions and does not automatically entitle credit, overdraft or all cards.
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