Opening a French bank account is one of the first essential steps for expats relocating to France. Whether you’re renting a home, paying utility bills, receiving a salary, or setting up healthcare and tax services, a local account (compte bancaire) is often required.
Many institutions in France, including landlords, energy providers, and the French tax office, expect payments or proof of identity linked to a French IBAN. Without one, everyday admin can quickly become difficult or even blocked.
In this complete guide, we explain how to open a French bank account as an expat, including the types of accounts available, what documents you’ll need, and your options for in-person vs online banking in 2025. Whether you’re moving permanently, buying a second home, or working remotely from France, this article will help you set up your finances with confidence.
Table of Contents
Can expats open a bank account in France?
Yes, expats can open a bank account in France, whether you’re an EU citizen, a non-EU national, or a second-home owner. However, the process and requirements may vary depending on your residency status and the type of account you need.
Resident vs non-resident accounts
- French residents (those living in France full-time) can open a standard current account (compte courant) with most French banks.
- Non-residents can open a non-resident account, but not all banks offer this, and additional documentation may be required.
EU vs non-EU citizens
- EU/EEA citizens generally face fewer restrictions and can open accounts more easily.
- Non-EU citizens may be asked for extra documents such as a residence permit or visa, depending on the bank.
Can you open a bank account online?
Yes, many online banks in France accept expat clients, though they may still require proof of a French address and valid ID. Some fully digital options (like N26 or Revolut) are particularly useful for newcomers during their first few months.
Most expats can open a French bank account, but preparing the right documents and choosing the right bank is key.
> You might be interested in this article: Navigating the French banking system
Types of bank accounts in France
Before opening your account, it’s useful to understand the main types of bank accounts in France, especially as an expat. Each serves a different purpose, so choosing the right one will depend on your residency status, financial needs, and length of stay.
Compte Courant (Current Account)
This is the standard day-to-day bank account used for:
- Receiving income (e.g. salary or pension)
- Paying rent and utility bills
- Managing everyday expenses with a debit card (carte bancaire)
It includes a RIB (Relevé d’Identité Bancaire), which is required for SEPA transfers and setting up direct debits.
Compte Joint (Joint Account)
A joint current account, commonly used by couples or families living together. Offers the same features as a personal account but shared between two account holders.
Non-Resident Account
Some traditional banks offer accounts tailored for non-residents, especially property owners or second-home buyers. These may come with extra restrictions and fewer digital services.
Business Accounts (Briefly)
If you plan to run a business or freelance in France, you’ll need a separate compte professionnel. This is not covered in detail here but should be considered if you’re self-employed.
💡 For most expats, a standard compte courant is the right place to start.
Documents you'll need to open an account
To open a French bank account as an expat, you’ll need to provide several official documents. Requirements may vary slightly between banks, especially between traditional and online providers, but the following checklist covers what’s commonly requested.
Standard document checklist:
✅ Proof of identity – Valid passport or EU national ID card
✅ Proof of address in France – Recent utility bill (e.g. EDF), rental contract, or property deed
✅ Residency permit or visa – Required for non-EU nationals or those applying for a resident account
✅ Tax identification number (TIN) – From your home country or previous country of residence
✅ Bank reference letter – A letter from your current bank confirming account history and good standing
✅ Optional: Proof of income or employment – Recent payslips, work contract, or pension statement may be requested to assess eligibility or risk
Tip: Bring both the original documents and photocopies. Some banks may also request official translations.
Having these documents prepared in advance will help you avoid delays, particularly if you’re setting up your finances shortly after arriving in France.
Where to open a French bank account
Expats in France have several options when it comes to choosing a bank. The right choice will depend on whether you prefer face-to-face service, English-speaking support, or a fast, fully online setup. Below is a breakdown of the main types of banks available in France.
Traditional banks
These are brick-and-mortar banks with full in-person service. Ideal for those who want physical branches, personalised support, and access to a wide range of services.
Popular options for expats:
- BNP Paribas – Large national bank with strong online services and international experience
- Crédit Agricole / Britline – Offers English-speaking service for non-residents through its Britline division
- Société Générale – Known for solid customer service and a wide branch network
Online banks
Online-only banks offer fast setup, low fees, and full digital access, ideal for tech-savvy expats.
Top choices:
- BoursoBank (Boursorama) – Often free or low-fee accounts with generous welcome offers
- Hello Bank – Backed by BNP Paribas, user-friendly, and widely used by newcomers
Neobanks and mobile-first solutions
Designed for digital convenience, neobanks allow you to open accounts quickly—even without full residency documents.
Popular with newcomers:
> You might be interested in this article: French Banking: Essential Terms and Phrases for Expats
Step-by-step: How to open your account
Opening a French bank account as an expat is a manageable process when you know what to expect. Whether you choose a traditional bank or an online provider, the steps below outline how to get started.
Open an account in person (traditional banks)
- Visit the bank’s website or download the app
- Complete the online form: Enter your personal details and upload a scan of your ID and proof of address.
- Verify your identity: Most banks require a selfie video or live video call to confirm your identity.
- Wait for approval: This can take a few minutes to a few days, depending on the provider.
- Activate your account: Once approved, you’ll receive your IBAN and virtual card. A physical card will follow by post.
Open an account online (digital or Neobanks)
- Visit the bank’s website or download the app
- Complete the online form: Enter your personal details and upload a scan of your ID and proof of address.
- Verify your identity: Most banks require a selfie video or live video call to confirm your identity.
- Wait for approval: This can take a few minutes to a few days, depending on the provider.
- Activate your account: Once approved, you’ll receive your IBAN and virtual card. A physical card will follow by post.
🔁 Note: Some online banks may ask you to make an initial deposit (10 € – 300 €) to activate the account.
Common challenges for expats and how to solve
Opening a French bank account as an expat can involve a few hurdles, especially in your first weeks in France. Here’s a breakdown of the most common issues and how to overcome them.
No French Proof of Address Yet
Most banks require a recent utility bill or rental agreement. If you’re staying in temporary accommodation:
- Ask your landlord for a signed attestation d’hébergement (proof of accommodation).
- Pair it with their utility bill and a copy of their ID.
- Some online banks accept foreign proof of address (e.g. N26).
No French Phone Number
Banks often need a French mobile number to set up secure access and send account codes.
- Buy a prepaid French SIM card (available in supermarkets or online).
- Alternatively, some neobanks allow you to register with an international number temporarily.
Language Barriers
Banking staff may not always speak English, especially outside major cities.
- Ask if English-speaking staff are available when booking your appointment.
- Bring translated documents or a French-speaking friend for support.
- Use online banks that offer bilingual interfaces (e.g. Revolut, N26).
Opening a Bank Account from Abroad
If you want to open an account before moving:
- Try neobanks like N26 or Revolut, which accept international sign-ups.
- Britline (Crédit Agricole) is one of the few traditional banks allowing non-residents to open accounts remotely, with English-speaking service.
Managing your French account as an expat
Once your account is open, managing your French bank account day-to-day is fairly straightforward, especially with modern apps and online banking tools. Here’s what you need to know as an expat.
Setting up payments and direct debits
- Use your RIB (Relevé d’Identité Bancaire) to set up rent, electricity, internet, and other recurring payments.
- Most banks allow you to create and manage SEPA direct debits and bank transfers directly from your mobile app or online dashboard.
Using your card in France and abroad
- French debit cards (carte bancaire) are widely accepted, but some may not work outside Europe without activation.
- Inform your bank if you plan to travel or use the app to manage security settings.
Online banking and mobile apps
- Most banks provide secure apps with access to transaction history, bill payments, account transfers, fraud alerts and card control
- Online banks and neobanks typically offer more user-friendly interfaces, often with English-language options.
Fees and maintenance
- Many French accounts charge small monthly maintenance fees (2 € – 10 €) depending on services.
- Watch out for overdraft charges, ATM withdrawal fees (especially outside the eurozone), Currency conversion fees on international purchases.
Tip: Check if your account includes a free overdraft buffer (découvert autorisé) and monitor it through your app.
Closing or switching bank accounts
Whether you’re changing banks or leaving France altogether, it’s important to properly close or transfer your French bank account to avoid ongoing charges or missed payments.
How to switch banks in France
Thanks to the French banking mobility law (loi Macron), switching banks is easier than ever:
- Open your new account: Make sure it’s fully active and ready to receive funds.
- Authorise the new bank to handle the transfer: Most banks offer a free switching service that notifies your employer, utility providers, and others of the new RIB.
- Verify all payments are redirected: Monitor for at least 30 days before closing the old account.
How to close your French bank account
- Notify your bank in writing (by post or email): Request account closure and include your account number and personal details.
- Clear the balance: Transfer remaining funds to another account or withdraw them. Ensure no payments are pending.
- Return your bank card and chequebook: This is often required to finalise closure.
- Request a written confirmation: Keep it as proof the account was officially closed.
FAQs – French bank accounts for foreigners
Can I open a French bank account without an address?
It’s difficult but not impossible. Most banks require proof of a French address, but some online and mobile banks (like N26 or Revolut) may accept EU addresses or alternative documentation such as an attestation d’hébergement. For second-home owners, property deeds can often be used.
What is a RIB and why do I need one?
A RIB (Relevé d’Identité Bancaire) is your French bank account’s identity slip. It includes your IBAN, BIC, and bank details. It’s essential for setting up SEPA transfers, direct debits, and for most transactions like paying rent or receiving a salary.
Is my money protected in French banks?
Yes. All licensed French banks are covered by the Fonds de Garantie des Dépôts, which protects deposits up to 100,000 € per person, per institution.
Can I use my foreign debit or credit card in France?
Yes, but expect foreign transaction fees and limited compatibility with some payment systems. Many shops prefer French-issued cartes bancaires. Having a local account helps with everyday spending and setting up utilities.
First published: May 2023
Updated: May 2025
