Without a French bank account, neither the CAF nor an employer can pay you, and many landlords will reject your application. So it's one of the very first things to do, before you even look for permanent housing.
The documents usually required
- A valid ID document, usually your passport
- Your residence permit or visa
- Proof of address in France
- Proof of status: a school certificate, employment contract or job offer
The proof-of-address catch-22: the bank asks for it, but many landlords ask for a RIB. Common solutions: a proof of accommodation signed by the person hosting you, along with their ID and one of their bills; or a student residence certificate.
Which bank to choose
Three families of options, with different logics:
- Traditional banks — a physical branch, a dedicated adviser, useful when you have complex procedures. Often stricter on documents and more expensive.
- Online banks — cheaper, quick to open, but everything is done remotely and the documents must be flawless.
- Neobanks — open in a few minutes from your phone. Handy as an immediate stopgap, but check carefully that the RIB provided is a French one, otherwise some authorities will refuse it.
Many banks offer deals for students or new arrivals, with reduced fees. Ask for them explicitly — they aren't always offered spontaneously.
The opening appointment
Book an appointment rather than turning up unannounced: the file is handled in one go. Bring the originals and copies of every document.
The adviser will offer you additional services. You don't have to accept any of them to open an account.
What to check before signing
- Account-keeping fees — monthly, they add up.
- The type of card — a card with systematic authorisation avoids overdrafts and the fees that come with them.
- Overdraft fees — often the most expensive item.
- Insurance and savings products offered — rarely useful at the start. You can decline and come back to them later.
If you're refused an account
Anyone residing in France has the right to a basic bank account. If you're refused repeatedly, you can refer the matter to the Banque de France, which will designate a bank required to open an account with the essential services. Keep the refusal letters — they're needed for this step.