Comment faire un virement bancaire : le guide complet

Bank transfers make it fairly easy to send money to a third party, whether domestic or international. However, although this operation seems easy at first glance, there are some subtleties that the sender must be aware of. So what do you need to know about this basic banking operation? What types of bank transfers are there and how do they work? We will explain in this comprehensive guide.

And once you open a Wise account, you can easily send money in record time, without any hidden fees. Wise allows you to send money to more than 160 countries with a small fee. If a currency conversion is required, it is done at the real exchange rate without any markup.

Comment effectuer un virement bancaire ?

There are various ways to make a bank transfer: in person, by mail, or online. As a rule, banks offer all these methods, but some of them require the sender to physically visit the bank.

Here we will look at the types of bank transfers and the information required to send the money.

Quels sont les différents types de virements bancaires qui existent ?

The banking system has evolved significantly and nowadays different types of bank transfers are possible:

• SEPA transfers: sending money in euros to countries within the SEPA zone.
• SWIFT transfer: Sending money in currencies other than the euro to countries outside the SEPA area.
• Instant transfer: As the name suggests, it is an instant transfer. After sending the money, it usually takes less than 20 seconds for the funds to be reflected in the recipient's account.
• Standing Order: Also known as an automatic transfer, this system is used by companies to pay their employees.

Il faut quoi pour faire un virement bancaire ?

To make a bank transfer, the following information is generally required:

• The sender's account number
• The amount to be transferred
• The date on which the transaction will be carried out.
• The recipient's bank account details.

Depending on the type of transfer, the size of the amount to be transferred, and the bank's policies, additional information may be required.

Comment faire un virement bancaire avec un RIB ?

RIB is the bank account details without which it is difficult, if not impossible, to receive and execute a bank transfer.

To transfer money using RIB, you generally need to follow these steps:

• Go to a bank counter.
• Enter the recipient's full name and the RIP of the bank account.
• Specify the amount to be transferred.
• Confirm the information one last time and confirm the bank transfer.

With some exceptions, all you need for a bank transfer is the RIB of the bank account and the recipient's first and last name. Bank transfers can also be done online.

Comment faire un virement bancaire en ligne ?

Most banks now offer online platforms. These dematerialized spaces allow you to carry out various banking activities, including money transfers.

To make a bank transfer online, follow these steps:

• Log in to your personal space on your bank's online platform.
• Go to the bank transfer section.
• Enter the recipient's account details (full name and bank account details).
• Enter the amount to be transferred.
• Confirm the information on the screen one last time and confirm the transaction.

Before making an online bank transfer, first check if your bank has an online system.

Comment faire un virement bancaire avec IBAN ?

IBAN is a bank account identification number that allows you to identify that account internationally. In other words, the IBAN of an account is used to transfer money to that account if it is not in the same country as the account you are sending money from.

To make an international transfer, you generally need to follow these steps:

• Visit a bank counter or access your bank's online services.
• Request an international transfer or access the international transfer section.
• Enter the recipient's account details (first name/last name, IBAN).
• Enter the amount you want to send to that account.
• Check for any typing errors and confirm the transaction.

Before making an international transfer, you should check whether the issuing bank can carry it out. It is also a good idea to find out about the fees, as international transfers are generally more expensive than domestic transfers.

Frais des virements bancaires : ce qu’il faut savoir

Banks, being commercial institutions, charge fees for most of the services they provide, including bank transfers.

Below is some general information on fees for some transfers:

• SEPA transfers: These domestic transfers are usually free if you initiate them online. However, if you do it at a branch, there may be a fee of a few euros.
• International transfers: SWIFT transfers are rarely free. Banks usually charge a certain fee for the transaction and a foreign exchange fee if you exchange one currency for another.
• Instant transfers: As instant transfers are practical and urgent, banks usually charge a fee for this quick transfer. The fee for this type of transfer is usually a few euros.

It should be noted that these fees are generally complicated to determine, as they depend on a variety of factors, including the type of transfer, the bank's pricing policy, and the size of the transfer amount. Before becoming a bank customer, we strongly recommend that you read the bank's fee brochure and find out what fees apply to the various transactions.

FAQ – Comment faire un virement sur un compte d’une autre personne ?

At the end of this guide on bank transfers, we present a FAQ to help you learn more about this subject.

Comment faire un virement instantané ?

Most banks offer instant transfers, which can be made by entering the recipient's bank details just like any other transfer. Please note that instant transfers are not free, except in exceptional cases.

Comment faire un gros virement ?

It is also possible to transfer large amounts. However, depending on the bank you are transferring to, you may need additional information, such as proof of source of funds.

Faire un virement par carte bancaire, c’est possible ?

Yes, bank transfers are possible at banks that offer this service. In general, you will need to log on to the bank's online space, go to the page dedicated to bank transfers, and select your bank card as the source of the transfer.

Comment faire un virement sans compte bancaire ?

Some service providers can remittance without having a bank account. One example is the Western Union, and if you present your ID card, you can transfer money by foreign exchange. In addition, online services such as Orange Money and WorldRemit can remittance without a bank account.

Avec Wise, effectuez des virements vers 160+ pays

Consider opening a Wise Account to save extra time when remittance. This account is a mult i-curencies account that can be transferred to more than 50 kinds of currency, almost everywhere in the world (160 more than 160 countries).

I summarized the benefits of wise remittance:

• Low cost remittance: Wise minimizes most domestic and international remittance fees.
• Quick remittance: The remittance route used by Wise allows you to quickly remittance to the recipient of France or the world.
• Actual market rate conversion: When converting currencies for international remittance, Wise does not mark up to most banks like most banks.
• Free account maintenance fee: There is no account maintenance fee in Wise.

*For the latest price information, please check the terms of use and product supply status of your local area, or see the WISE price and commission page.

This book is intended for general information, not legal, tax or professional advice by Wise Payment Limited, its subsidiaries and affiliated companies. Also, it is not an alternative to the advice of financial advisors and other qualified experts.

The Company does not make any statement, warranty, or promised, regardless of whether the accuracy, integrity, and timetability of this book are explicit or implicit.

Virements suspendus fin mars : nos conseils pour éviter d’être dans le rouge

The remittance will be suspended for four days from this night (March 28) for Easter's weekend. If the employer does not expect to pay the salary, be careful not to pull out too much.

March 28, 2024 9:39 Reactivating, saving, shared < SPAN> service providers, can remit money without a bank account. One example is the Western Union, and if you present your ID card, you can transfer money by foreign exchange. In addition, online services such as Orange Money and WorldRemit can remittance without a bank account.

Consider opening a Wise Account to save extra time when remittance. This account is a mult i-curencies account that can be transferred to more than 50 kinds of currency, almost everywhere in the world (160 more than 160 countries).

I summarized the benefits of wise remittance:

Quels services sont concernés ?

Low cost remittance: Wise minimizes most domestic and international remittance fees.

Quick remittance: The remittance route used by Wise allows you to quickly remittance to the recipient of France or the world.

Votre salaire de mars arrivera-t-il sur votre compte… En avril ?

Actual market rate conversion: When converting currencies for international remittance, Wise does not mark up to most banks like most banks.

Free account maintenance fee: There is no account maintenance fee in Wise.

Comment anticiper ?

*For the latest price information, please check the terms of use and product supply status of your local area, or see the WISE price and commission page.

This book is intended for general information, not legal, tax or professional advice by Wise Payment Limited, its subsidiaries and affiliated companies. Also, it is not an alternative to the advice of financial advisors and other qualified experts.

Et si votre compte est à découvert ce week-end ?

The Company does not make any statement, warranty, or promised, regardless of whether the accuracy, integrity, and timetability of this book are explicit or implicit.

The remittance will be suspended for four days from this night (March 28) for Easter's weekend. If the employer does not expect to pay the salary, be careful not to pull out too much.

March 28, 2024 9:39

Bien choisir sa banque en ligne

In response, some of the saved and shared service providers can remittance without having a bank account. One example is the Western Union, and if you present your ID card, you can transfer money by foreign exchange. In addition, online services such as Orange Money and WorldRemit can remittance without a bank account.

Consider opening a Wise Account to save extra time when remittance. This account is a mult i-curencies account that can be transferred to more than 50 kinds of currency, almost everywhere in the world (160 more than 160 countries).

• I summarized the benefits of wise remittance:
• Low cost remittance: Wise minimizes most domestic and international remittance fees.
• Quick remittance: The remittance route used by Wise allows you to quickly remittance to the recipient of France or the world.
• Actual market rate conversion: When converting currencies for international remittance, Wise does not mark up to most banks like most banks.
• Free account maintenance fee: There is no account maintenance fee in Wise.
• *For the latest price information, please check the terms of use and product supply status of your local area, or see the WISE price and commission page.
• This book is intended for general information, not legal, tax or professional advice by Wise Payment Limited, its subsidiaries and affiliated companies. Also, it is not an alternative to the advice of financial advisors and other qualified experts.
• The Company does not make any statement, warranty, or promised, regardless of whether the accuracy, integrity, and timetability of this book are explicit or implicit.
• The remittance will be suspended for four days from this night (March 28) for Easter's weekend. If the employer does not expect to pay the salary, be careful not to pull out too much.
• March 28, 2024 9:39
• Reactivation saving and sharing

En résumé

• Will checking bank accounts overtake egg hunts as the most popular activity over the Easter weekend? Money transfers will be impossible because the Target2 system, the platform that manages the flow of funds between banks in the euro zone, will be closed from this Thursday night (March 28) until Tuesday morning. The system is traditionally closed on weekends, January 1, Christmas Day, Boxing Day, Good Friday and Easter Monday.
• The problem this year is that the four-day weekend (although Good Friday is not a public holiday in France, except in Alsace-Moselle) falls exactly at the end of the month when salaries are paid. So if your employer did not expect your March salary, it may not be deposited in your account until April. And you may be in the red for a few days. According to the Cofidis Barometer of Purchasing Power in France, published in September, 37% of households overdraw at least once a month.
• The closure of the payment system managed by the European Central Bank means that interbank transfers will be unavailable between 6pm on Thursday, March 28th and 2:30am on Tuesday, April 2nd, for more than 100 hours, the Banque de France explains. This applies to internal transfers, where the sender and the recipient are in the same bank, as well as instant transfers, which are reflected in 10 seconds but are not necessarily free.
• Direct debits are recorded the next business day. However, recurring direct debits (for telephone and internet contracts, rent, etc.) should be covered, since creditors call days or even weeks before the execution date.
• The timetable for the closure of TARGET2 by 2024, drawn up by the ECB, was published on November 24, 2023 by the French Committee for Banking Organisation and Standardisation (CFONB). "These timetables are also communicated by banks to their corporate clients," explains the Fédération des Banks. That's why some companies and public institutions are sending their transfer instructions a few days ahead so they can pay salaries before the suspension of payment processing services.
• Conversely, if a transfer order is made after 6pm on Thursday, it will not be processed until after 2. 30am on Tuesday and may not reach the recipient's account until Tuesday or Wednesday morning. Retirement pensions are not affected as they are due to be paid on 9 April (March pension) for Cnav and 2 April (April pension) for Agirc-Arrco. Family allowances will be paid on 5 April.
• If you haven't received it yet, don't hesitate to ask your employer (or your company or public administration trade union) for the exact date of your salary payment. "By checking your bank account you can see if your salary has been paid or is about to be paid and if there are any deductions.
• If your employer has not issued a transfer order by this Thursday and you are worried that you will be in the red before the transfer order arrives, you can also withdraw precautionary savings (Livre A or other liquid savings account) to fully top up your account.
• If between now and Tuesday, April 2nd you are in the red because you did not receive your salary on time, there are two possibilities: If you have negotiated an authorized overdraft, the payment will be made but you will have to pay interest on the withdrawal. For overdrafts above 400 euros, the threshold accepted by most banks, the bank will charge a fee proportional to the amount and duration of the overdraft and the interest on the withdrawal will be capped (currently the interest rate is 17. 52%). 400 For overdrafts of less than €, some banks charge a flat interest rate (minimum withdrawal rate) regardless of the amount of the overdraft.
• If you are not allowed by the bank to open a debit account or if you have exceeded your overdraft limit, your payment may be refused. In such cases, a fee may be charged: 8 euros per transaction, up to a maximum of 80 euros per month.

"If your income comes later than expected and you have problems with your account, contact your bank advisor to see if adjustments can be made," advises FBF. "There may be some mercy," agrees one banker. But only if the cause of the overdraft is a delayed receipt of your salary.

Qu’est-ce qu’une banque en ligne ?

Lower fees, free bank cards, welcome offers... Thanks to attractive offers, online and neobanks are attracting more and more customers. Their main advantage is lower fees compared to traditional networks. Some banks even offer free bank cards and free transactions. But are these paperless banks really worth it? Can they be trusted? Are they really cheap? Can they replace traditional bank branches? Here we will give you an overview of the specific features of this fast-growing market and help you choose the online bank that's right for you.

Les banques en ligne première génération

Table of Contents

What is online banking?

What are the advantages of online banking?

What are the disadvantages of online banking?

Les néobanques

Can online banks be trusted?

What are the conditions for opening an account?

Quels sont les avantages d’une banque en ligne ?

What documents are required to open an account?

Une ouverture de compte simplifiée

How long does it take to open an account?

Des coûts réduits

Is it possible to open an account without a deposit?

Which bank account should I choose for my child or teenager?

Une gestion autonome et simplifiée

What criteria should I take into account when choosing an online bank?

How can I switch to an online bank?

There are two types of online banks: the so-called "first generation" online banks and neo-banks.

La disponibilité des conseillers

Not all online banks offer the same products and services, but they are becoming more diverse.

These banks focus on low or even no fees and appeal to digitalization, simplification and autonomy for their customers.

Une grande flexibilité

Free bank cards are often advertised, but they come with strings attached.

Quels sont les inconvénients d’une banque en ligne ?

Some products and services are paid for, but are generally competitive compared to traditional networks.

La relation client

Opening an online bank account is quick and easy and requires few documents.

Depending on the bank, a deposit is not necessarily required to open an account.

Des conditions d’utilisation particulières

Some online banks offer special accounts that match the age of children and teenager.

La complexité de certaines opérations

When choosing a bank, there are several criteria to consider, but it is important to keep your plan and needs in mind.

Une gratuité souvent conditionnée

If you want to change the bank easily, you can use the free moving support service.

Les banques à distance sont-elles fiables ?

→ Bank comparison

There are two types of Internet banks: the "first generation" net bank and "Neobank".

Vous avez encore un doute ?

The firs t-generation online bank is generally attached to the back of the bank. Hello bank! (BNP Pariba) and Forteno (Credit Mutuel Alcare).

Unlike the parent company, these banks are unique in that they do not have a branch, and there is no space for customers like conventional networks. As a result, all relationships between customers and advisors are paperless. Account management is performed only by the Internet, mobile application, and telephone remote control.

All of these bank employees work in the same place and respond to customer requests. Thanks to this way of working, online banks can provide much lower interest rates than conventional networks. The lack of a branch means not only reducing the number of employees, but also significantly reducing real estate costs.	There is no loss to know. Online Bank is becoming more and more generous. Not only the current account, but also other products (credit, savings, insurance, etc.) have been provided widely.
Like the firs t-generation online banks, Neobank also offers a current deposit and a conventional bank card. However, Neobank has a digital service that can be accessed from smartphones to make a difference in other companies.	The range of mobile banks is constantly expanding. ORANGE BANK (formerly Groupama Banque), Nickel (BNP Pariva Umbrella), Revolut, N26, etc.
Online banks have many advantages. < SPAN> Some online banks offer special accounts that match the age of children and teenagers.	When choosing a bank, there are several criteria to consider, but it is important to keep your plan and needs in mind.
If you want to change the bank easily, you can use the free moving support service.	→ Bank comparison
There are two types of Internet banks: the "first generation" net bank and "Neobank".	The firs t-generation online bank is generally attached to the back of the bank. Hello bank! (BNP Pariba) and Forteno (Credit Mutuel Alcare).
Unlike the parent company, these banks are unique in that they do not have a branch, and there is no space for customers like conventional networks. As a result, all relationships between customers and advisors are paperless. Account management is performed only by the Internet, mobile application, and telephone remote control.	All of these bank employees work in the same place and respond to customer requests. Thanks to this way of working, online banks can provide much lower interest rates than conventional networks. The lack of a branch means not only reducing the number of employees, but also significantly reducing real estate costs.
There is no loss to know. Online Bank is becoming more and more generous. Not only the current account, but also other products (credit, savings, insurance, etc.) have been provided widely.	Like the firs t-generation online banks, Neobank also offers a current deposit and a conventional bank card. However, Neobank has a digital service that can be accessed from smartphones to make a difference in other companies.
The range of mobile banks is constantly expanding. ORANGE BANK (formerly Groupama Banque), Nickel (BNP Pariva Umbrella), Revolut, N26, etc.	Online banks have many advantages. Some online banks offer special accounts that match the age of children and teenager.

Quelles conditions faut-il remplir pour ouvrir un compte bancaire ?

When choosing a bank, there are several criteria to consider, but it is important to keep your plan and needs in mind.

• If you want to change the bank easily, you can use the free moving support service.
• → Bank comparison
• There are two types of Internet banks: the "first generation" net bank and "Neobank".
• The firs t-generation online bank is generally attached to the back of the bank. Hello bank! (BNP Pariba) and Forteno (Credit Mutuel Alcare).
• Unlike the parent company, these banks are unique in that they do not have a branch, and there is no space for customers like conventional networks. As a result, all relationships between customers and advisors are paperless. Account management is performed only by the Internet, mobile application, and telephone remote control.

Des conditions de revenus sont-elles exigibles ?

All of these bank employees work in the same place and respond to customer requests. Thanks to this way of working, online banks can provide much lower interest rates than conventional networks. The lack of a branch means not only reducing the number of employees, but also significantly reducing real estate costs.

Quels documents faut-il fournir pour une ouverture de compte ?

There is no loss to know. Online Bank is becoming more and more generous. Not only the current account, but also other products (credit, savings, insurance, etc.) have been provided widely.

• Like the firs t-generation online banks, Neobank also offers a current deposit and a conventional bank card. However, Neobank has a digital service that can be accessed from smartphones to make a difference in other companies.
• The range of mobile banks is constantly expanding. ORANGE BANK (formerly Groupama Banque), Nickel (BNP Pariva Umbrella), Revolut, N26, etc.
• Online banks have many advantages.

You can open an account in just a few minutes online. The application procedure is designed to be simple, smooth and safe. It can be performed directly from a bank website or mobile application, and is designed to be easy to see, functional, and above all, based on ergonomics. Its purpose is that it is easy for anyone, such as students, working people, and retired people.

Je suis interdit bancaire, puis-je tout de même ouvrir un compte ?

One of the main advantages of online banks is definitely competitive management fees. Compared to conventional banks, it is up to three times lower.

Most online banks have an account maintenance fee (up to 200 euros per year for traditional banks), transfer fees, and account withdrawal fees. In addition, some banks provide free bank cards, or provide presents (discount campaigns, welcome bonuses, etc.) when the current deposit account is opened. However, although the cost is cheaper, it is not free. There is still a fee for many transactions.

Quels sont les délais d’une ouverture de compte en banque ?

Online banks can manage accounts with 100 % paperless. You don't have to go to the branch. Customer requests can be made directly online or several times, or via a mobile application.

Délais d’ouverture moyens des banques en ligne

© DENIS/REA	These banks provide personal space to customers. As a result, the account holder can fully perform most transactions (RIB printing, set of regular orders, orders for checkbooks, etc.) 24 hours a day, 365 days a year.
Unlike the parent company, these banks are unique in that they do not have a branch, and there is no space for customers like conventional networks. As a result, all relationships between customers and advisors are paperless. Account management is performed only by the Internet, mobile application, and telephone remote control.	There is no loss to know. It is not common, but some online banks provide options for customers to access branch services. Especially EKO (Credit Agrycol), Hello Bank! (BNP Paraba) and Monabanq (Credit Mutuel). However, the work that can be used differs depending on the online bank. Therefore, it is recommended to check the details before opening an account.
There are two types of Internet banks: the "first generation" net bank and "Neobank".	Online banks have many advantages, but they are not without drawbacks.
Online Bank and Neobank are regularly criticized for their customer service, especially the absence of dedicated advisors. However, there are other advantages, such as having a longer business hours than a branch, and being able to contact customers through a wide range of channels (telephone, email, chat, social network, etc.). However, the waiting time to contact the advisor can be a few minutes to a few hours.	Adobe stock
Instead of providing free products and services, there are also online banks that impose conditions of use. For example, a free bank card may have a minimum number of payments.

Depending on the online bank, if there is no actual store, specific operations, such as cashing and paying cash, may become complicated.

Délais d’ouverture moyens des néobanques

© DENIS/REA	These banks provide personal space to customers. As a result, the account holder can fully perform most transactions (RIB printing, set of regular orders, orders for checkbooks, etc.) 24 hours a day, 365 days a year.
Unlike the parent company, these banks are unique in that they do not have a branch, and there is no space for customers like conventional networks. As a result, all relationships between customers and advisors are paperless. Account management is performed only by the Internet, mobile application, and telephone remote control.	There is no loss to know. It is not common, but some online banks provide options for customers to access branch services. Especially EKO (Credit Agrycol), Hello Bank! (BNP Paraba) and Monabanq (Credit Mutuel). However, the work that can be used differs depending on the online bank. Therefore, it is recommended to check the details before opening an account.
There are two types of Internet banks: the "first generation" net bank and "Neobank".	Online banks have many advantages, but they are not without drawbacks.
Online Bank and Neobank are regularly criticized for their customer service, especially the absence of dedicated advisors. However, there are other advantages, such as having a longer business hours than a branch, and being able to contact customers through a wide range of channels (telephone, email, chat, social network, etc.). However, the waiting time to contact the advisor can be a few minutes to a few hours.	Adobe stock
Instead of providing free products and services, there are also online banks that impose conditions of use. For example, a free bank card may have a minimum number of payments.

Online banks claim that many of the services are free. However, not only attractive promises, but also the benefits often have to meet severe conditions. This is especially true for free bank cards and deposit accounts.

Yes, there is no doubt. In France, all online banks have been approved by ACPR (Autorité Prudentiere de Contrôle et de RéSolution), part of the Banque de France.

Est-il possible d’ouvrir un compte sans dépôt ?

One of the main duties of the Financial Instruments and Exchange Agency (Autorité des MARCHES FINANCIERS (AMF)) is to protect the savings invested in financial products.

AMF provides a white list of certified companies. This can be viewed online for free. Due to dubious emails, excessive temptation, demands for transfer ... If you have any doubts, check without hesitation before acting. AMF offers a number of tools for that, such as blacklists on unlicensed companies and websites, and tests to determine whether they have suffered fraud. Online Bank allows you to direct all kinds of transactions through the Internet and mobile applications. You don't need to follow the opening hours of the nearest bank branch.

Quel compte en banque choisir pour un enfant ou un adolescent ?

Online banks have many advantages, but they are not without drawbacks.

Online Bank and Neobank are regularly criticized for their customer service, especially the absence of dedicated advisors. However, there are other advantages, such as having a longer business hours than a branch, and being able to contact customers through a wide range of channels (telephone, email, chat, social network, etc.). However, the waiting time to contact the advisor can be a few minutes to a few hours.

Adobe stock

• Instead of providing free products and services, there are also online banks that impose conditions of use. For example, a free bank card may have a minimum number of payments.
• Depending on the online bank, if there is no actual store, specific operations, such as cashing and paying cash, may become complicated.
• Online banks claim that many of the services are free. However, not only attractive promises, but also the benefits often have to meet severe conditions. This is especially true for free bank cards and deposit accounts.
• Yes, there is no doubt. In France, all online banks have been approved by ACPR (Autorité Prudentiere de Contrôle et de RéSolution), part of the Banque de France.

One of the main duties of the Financial Instruments and Exchange Agency (Autorité des MARCHES FINANCIERS (AMF)) is to protect the savings invested in financial products.

L’âge de l’enfant

AMF provides a white list of certified companies. This can be viewed online for free. Due to dubious emails, excessive temptation, demands for transfer ... If you have any doubts, check without hesitation before acting. AMF offers a number of tools for that, such as blacklists on unlicensed companies and websites, and tests to determine whether they have suffered fraud.

Finally, most communication banks are a subsidiary of traditional banks, insurance companies, and mobile phone companies.

Le type de carte

Parent company

• subsidiary
• AXA Bank

AXA

Bursolama Bank

Le contrôle parental

Societe General

• Bforbank/eko
• Credit Aglycol
• Forteno
• Credit Mutuel Alcare
• Hello Bank
• BNP Pariva

Mona Bank

Le coût

Credit Mutuel CIC

• Orange bank
• Orange group

Opening an online account is relatively quick and easy. Usually, you need to meet the following conditions:

It has reached the legal age

Being a natural person

Living in France for tax

Quels critères prendre en compte pour choisir une banque en ligne ?

Valid phone number

Valid email address

• Depending on the bank strategy and services, you may need a minimum monthly deposit. But that is not always the case. In some cases, deposit may be required when the account is opened.
• As a general rule, there are few documents required to open a bank account:
• ID card

Address proof within 3 months

Les conditions d’entrée

Signing (handwritten or electronic signature)

Les conditions de la prime de bienvenue

However, depending on the bank, you may be asked to submit additional documents such as a salary statement, tax payment notice, pension payment certificate, etc.

Les conditions des offres sans condition de revenus

Banks systematically check the status of new customers. If the bank is banned from bank transactions, the bank has the right to reject an account. However, this situation is not impossible to recover. With the Cabinet Order on March 11, 2022, the procedure for opening an account has become faster and easier.

• This allows you to use basic bank services. Specifically, you will be able to pay by cash drawer card, bank account statement (RIB), transfer, and TIP (inte r-bank payment order). You can also issue cash deposits and withdrawals and account statements. < SPAN> Finally, most of the communication banks are traditional banks, insurance companies, and mobile phone companies.
• Parent company

Les frais des opérations et démarches

subsidiary

• AXA Bank
• AXA
• Bursolama Bank

Societe General

Bforbank/eko

Les cartes bancaires : les types, les conditions et frais éventuels

Depending on the bank, a deposit is not necessarily required to open an account.

Forteno

• Credit Mutuel Alcare
• Hello Bank
• BNP Pariva

Mona Bank

• Credit Mutuel CIC
• Orange bank

Orange group

• Opening an online account is relatively quick and easy. Usually, you need to meet the following conditions:
• It has reached the legal age
• Being a natural person

Living in France for tax

Valid phone number

• Valid email address
• Depending on the bank strategy and services, you may need a minimum monthly deposit. But that is not always the case. In some cases, deposit may be required when the account is opened.

As a general rule, there are few documents required to open a bank account:

Les produits bancaires de la banque

ID card

• Address proof within 3 months
• Signing (handwritten or electronic signature)
• However, depending on the bank, you may be asked to submit additional documents such as a salary statement, tax payment notice, pension payment certificate, etc.
• Banks systematically check the status of new customers. If the bank is banned from bank transactions, the bank has the right to reject an account. However, this situation is not impossible to recover. With the Cabinet Order on March 11, 2022, the procedure for opening an account has become faster and easier.
• This allows you to use basic bank services. Specifically, you will be able to pay by cash drawer card, bank account statement (RIB), transfer, and TIP (inte r-bank payment order). You can also issue cash deposits and withdrawals and account statements. Finally, most communication banks are a subsidiary of traditional banks, insurance companies, and mobile phone companies.
• Parent company

L’application mobile

subsidiary

AXA Bank

• AXA
• Bursolama Bank
• Societe General
• Bforbank/eko
• Credit Aglycol

Forteno

La qualité du service client

Credit Mutuel Alcare

Les frais de tenue de compte

Hello Bank

Les conditions de retrait

BNP Pariva

Depending on the bank, a deposit is not necessarily required to open an account.

Credit Mutuel CIC

Orange bank

Orange group

Opening an online account is relatively quick and easy. Usually, you need to meet the following conditions:

It has reached the legal age

• Being a natural person
• Living in France for tax

Valid phone number

Les découverts bancaires

Valid email address

Depending on the bank strategy and services, you may need a minimum monthly deposit. But that is not always the case. In some cases, deposit may be required when the account is opened.

Les chéquiers

As a general rule, there are few documents required to open a bank account:

ID card

Address proof within 3 months

L’assurance de moyen de paiement

Signing (handwritten or electronic signature)

However, depending on the bank, you may be asked to submit additional documents such as a salary statement, tax payment notice, pension payment certificate, etc.

Comment changer de banque pour une banque en ligne ?

Changer de banque sans la mobilité bancaire

Banks systematically check the status of new customers. If the bank is banned from bank transactions, the bank has the right to reject an account. However, this situation is not impossible to recover. With the Cabinet Order on March 11, 2022, the procedure for opening an account has become faster and easier.

• This allows you to use basic bank services. Specifically, you will be able to pay by cash drawer card, bank account statement (RIB), transfer, and TIP (inte r-bank payment order). You can also issue cash deposits and withdrawals and account statements.
• Opening a bank account online is relatively easy. Usually, complete with several clicks. However, in order to use all the benefits of opening an account, it is necessary to sign the contract and mail it to the bank. Therefore, it takes several days to open an account. According to D-Rating, a digital performance evaluation organization, this time may be doubled depending on the bank.
• Establishment of a bank

time

• Hello Bank
• 13 days
• Fortuno

Changer de banque avec la mobilité bancaire

10 days

Vosolama

• 8 days
• Source: D-Rating

Neobank, on the other hand, has a short time for this process.

Les principales banques en ligne en détail

Les banques traditionnelles toujours dans la course

Establishment of a bank