In France, the use of visa credit cards and personal checks is very popular. Almost all stores accept credit cards and checks, while cash is rarely used. Let’s take a look at the guide to opening bank accounts and reporting losses at France International Bank.
1. Overview
So opening a bank account means that you will have a bank account, a credit card (Carte Bleue), and a check book. Under normal circumstances, you need to communicate with the consultant by email to receive the check book. After opening a bank account, there will be a Compte Check daily account and a Livret A, which is equivalent to a time deposit account. For students under 25 years old, there will be a Livret Jeune youth account with relatively higher interest.
2. How to handle the relevant procedures for a bank account?
First, you must consult the major banks for their preferential measures and annual fees for student cards, and then choose one of them to make an appointment with RDV in advance, China The banks that international students often open accounts include Societe Generale (Society Generale), BNP (BNP Paribas), CIC, and LCL. I can’t say which bank is the best. Just like China Construction Bank, ICBC, and Bank of China, they all have their own merits.
It is recommended that you understand the comparison in advance and give yourself more opportunities to practice language. If you are a student with insufficient French foundation, you can first apply for English communication with a bank consultant, or find a friend who speaks better French to accompany you.
Account opening materials will be slightly different depending on the bank chosen. Here, attached is a list of essential documents. For example: valid passport and visa, birth notarization, school registration certificate, and housing contract. If you live with a French host family, you may also need to present a copy of the landlord's ID card and the accommodation certificate issued by him.
After preparing all the materials, go to the bank at the scheduled time. Everyone will have a fixed bank consultant (conseiller). From pre-account opening consultation to various matters after signing the contract, all matters must be handled through this specialized bank consultant. consultant.
On the day of application, you will need to sign a lot of paper documents. For example, whether to handle online banking, and the initial password for online banking. The online password needs to be logged in and changed within one month. After all the procedures are completed, the consultant will give you a piece of RIB paper (RELEVE D'IDENTITE BANCAIRE), which is the bank account number. Only with this number can you proceed to apply for a French phone card and CAF housing reimbursement.
The official bank card password will be sent to your residential address within January. It is a four-digit password and does not need to be changed. Students must remember it well. The bank card will need to be signed at the counter to receive. If there are special circumstances, it can also be sent to the residential address.
3. What should I do if I lose my bank card?
Bank cards, check books, and online banking accounts all have 24-hour service hotlines. If you lose your visa card in France, you can call 0 892 705 705. Each bank also has its own loss reporting hotline. After you lose your card or check, please report the loss immediately and contact your bank consultant. A replacement bank card and new password will be sent to your residential address.
If you encounter theft or robbery, you need to go to the local police station to file a case. After the police files the case, they will send a registered letter with receipt to the bank to indicate that your credit card has been stolen and you no longer have to bear the responsibility. Responsibility for the account balance being illegally collected, and attach the "acceptance of loss report registration number" given to you when you called the National Loss Reporting Center for help, as well as the déclaration when filing the case.
IV. Registered letter template
Lettre recommand avec avis de réception
Madame, Monsieur,
Immédiatement après la constatation du vol de ma carte bancaire, j'ai fait opposition auprès de votre établissement, le (date) à (…) heures.
Vous trouverez ci-joint le récépissé de la déclaration de vol faite auprès des services de police.
En vous remerciant de bien vouloir tenir compte de cette déclaration d'opposition, je vous prie d 'agréer, Madame, Monsieur, l'expression de mes salutations distinguées.
(Signature)
The above content is what I have brought to you how to open a bank account and how to open a bank account when international students first arrive in France. I hope the procedures for reporting loss and the template for registered letters will be helpful to everyone.