It is very necessary to have a bank account and a credit card in France. The use of credit cards and personal checks has become very popular in France. In France, payment by credit card and check has exceeded payment by cash. Credit cards and checks are easy to use and safe to carry. Many formalities in France require bank statements.
banking matters
all banks in France can handle account opening procedures.
students are suitable to choose a general credit card (Carte Bleue).
Generally, credit cards have a monthly spending limit of 75 to 1,3 euros, which can be applied according to specific circumstances.
General credit cards have a weekly withdrawal limit of 3 euros from ATMs, which can be applied according to specific circumstances.
For student banks, the first year's credit card fee will be waived, and from the second year, the credit card fee will generally be 3 to 6 euros/month.
generally speaking, for credit card overdrafts, please make up the arrears within 15 days, otherwise your bank reputation will be affected.
for students, Societe Generale (3.96, ., .%) is an ideal choice.
There are gifts worth about 15 euros when you open an account.
branch traversal method.
there are also spending points, and gifts will be given when a certain point is reached.
there are often preferential services for students.
Warning: Don't write a bad check, or the French banking system will cancel your bank account for 1 years.
information required to apply for a bank account
valid passport
valid residence in France
housing contract
Students also need a student ID card
Note: please make an appointment with the bank in advance, and the bank can only open an account in the bank near the location of your housing contract or the school and the workplace.
loss
24-hour credit card loss reporting:
24-hour cheque book loss reporting:
If you are robbed or stolen, please report it immediately to the police station where the case occurred
Go to the account opening bank to handle relevant loss reporting procedures within 24 hours
Special circumstances (the following situations generally only occur in Paris)
Students who have just come to Paris from China often encounter the following situations. When applying for residence, the French government center needs the applicant to provide a bank account in France, while the bank requires foreign students who come to open an account to provide a one-year official residence in France. Students who have just arrived in France are often at a loss. Experts suggest that you do the following:
Please contact the person in charge of your school and ask the school to make an appointment to open an account with the school's cooperative bank. This method is not effective for students in language schools, which are generally not responsible for opening bank accounts for students.
First, open an account with China Bank (3.41,.,.%) in Paris, and use the account of China Bank Paris Branch for residence. I will apply for a French bank account after I get my residence. Because many shops in France don't accept checks from foreign banks.