Choosing a bank and opening an account

Step 1 – choose a bank

Each bank in France has its own policies, and some may require proof of residence or additional documentation depending on your circumstances.

For traditional banking, a good place to start is with major banks near where you live, as opening an account normally begins with a face-to-face appointment at a local branch.

Well-known banking groups include La Banque Postale, Banque Populaire, BNP Paribas, CIC, Crédit Agricole and Société Générale, among others.

Traditional banks remain the most familiar option for many administrative procedures. They provide services through local branches, though this often comes with higher fees than online-only providers.

Opening an account with an online bank is another option. These typically offer lower fees because services are managed digitally and customer support is provided remotely.

Many people use both a traditional bank and an online bank, depending on their needs, so it is worth researching the options carefully before deciding.

Step 2 – make an appointment

With a traditional bank, you will usually need to arrange an in-branch appointment with a conseiller or conseillère (bank adviser) to discuss opening an account.

Starting this process well in advance is advisable, particularly if you are newly arrived in France.

Your adviser will explain the available account options and begin the process of setting up the account, including outlining the documents you will need to provide.

They will normally remain your main point of contact for questions about your account, whether in person, by phone, or by email.

Step 3 – understand accounts and fees

Banking in France operates with a different fee structure from the UK, and most accounts involve a number of charges.

Your account may include a monthly or quarterly management fee. Banks may also charge separately for:

• a debit or credit card

• ATM withdrawals above certain limits

• a cheque book

• paper statements

Overdrafts are less commonly used, and charges for authorised or unauthorised overdrafts can be significant.

You may also need to make an initial deposit when opening an account. The required amount varies depending on the bank and type of account.

The French government provides an official comparison website that allows consumers to compare bank accounts and fees.

Step 4 – prepare your documents

Most banks will usually ask you to provide:

• your passport or other official ID

• proof of address

• details of an existing bank account

• proof of income or employment

• recent bank statements

• a tax identification number

Your adviser will confirm the exact documents required.

You do not need to be a French resident to open a bank account in France. However, some banks may limit account opening to residents, or offer fewer services to non-residents.

Step 5 – wait for your cards and chequebook

Once your account has been opened and all forms completed, any associated bank cards and chequebooks (chéquiers) will be processed and sent by post.

This typically takes up to 10 working days, so it is wise to plan your finances accordingly when first arriving.

Chequebooks are still relatively common in France and are sometimes useful in everyday situations.

For example, some large supermarkets (such as E.Leclerc) offer deferred payment (paiement différé) towards the end of a calendar month. The cheque is only processed the following month, so you should ensure there are sufficient funds in your account.

Local associations also sometimes allow annual membership fees to be paid in several instalments by cheque.

If your bank card is lost, stolen or used fraudulently, you should immediately request that it be blocked (faire opposition), either by phone or via your banking app. A replacement card will then be issued.