How to Open a Bank Account in France as an Expat
Opening a French bank account is one of the first things you’ll need to do after moving to France. Whether you’re renting an apartment, getting a local SIM card, or setting up utilities, most services require a French IBAN.
But if you’re an expat, the process isn’t always straightforward. Some banks have strict requirements, and without a permanent address or work contract, you might face delays.
No worries—we’ve got you covered! Here’s everything you need to know about opening a bank account in France as an expat.
🏦 Step 1: Choose the Right Bank
There are three main types of banks in France:
1️⃣ Traditional Banks (Best for Long-Term Expats & Workers)
These are the biggest banks in France, with physical branches across the country. They offer full banking services, but the process of opening an account can take longer.
🔹 Popular options:
✔️ BNP Paribas
✔️ Société Générale
✔️ Crédit Agricole
✔️ La Banque Postale
✔️ CIC
📝 Best for: Expats who need a full-service bank, plan to stay long-term, or need a mortgage or loan in the future.
2️⃣ Online Banks (Best for Quick & Easy Setup)
Many online-only banks offer French IBANs without requiring in-person visits. They have lower fees, but fewer services than traditional banks.
🔹 Popular options:
✔️ Boursorama Banque
✔️ Hello Bank!
✔️ Fortuneo
📝 Best for: Expats who want fast, easy online banking with low fees.
3️⃣ Neobanks (Best for Newcomers Without a French Address Yet)
Neobanks offer French IBANs, but they don’t have physical branches. The good news? Some of them don’t require a French address—perfect if you’re still settling in!
🔹 Popular options:
✔️ N26 (Easy setup, but some accounts come with a German IBAN)
✔️ Revolut (Great for international transfers, but no physical branches)
✔️ Wise (Best for multi-currency accounts)
📝 Best for: Expats who just arrived in France and need a quick banking solution.
📑 Step 2: Gather the Required Documents
To open a French bank account, you’ll usually need:
✅ Passport or ID
✅ Proof of address (rental contract, utility bill, or attestation from your landlord)
✅ Proof of income (work contract, payslips, or student enrollment letter)
✅ Residence permit (if required for your visa type)
💡 No French address yet? Some banks accept an attestation d’hébergement, a letter from your host stating that you live with them, along with their proof of address.
🏃 Step 3: Book an Appointment (For Traditional Banks)
Unlike online banks, traditional banks usually require an in-person appointment to open an account.
📌 How to book?
Call the branch or walk in to schedule an appointment.
Some banks (like Hello Bank!) allow online applications with video verification.
💡 Tip: If your French isn’t great, bring a friend or request an English-speaking advisor!
💳 Step 4: Activate & Start Using Your Account
Once your account is approved, you’ll receive:
✔️ Your RIB (Relevé d’Identité Bancaire) – This is your bank account details document. You’ll need it to set up payments.
✔️ A debit card (Carte Bancaire) – Usually arrives within 5-10 days.
✔️ Online banking access – Most banks have an app for managing your account.
💡 Tip: Some banks charge an annual card fee, so check before signing up!
🔄 Step 5: Set Up Payments & Transfers
With your new bank account, you can:
🔹 Set up direct debits for rent, utilities, and phone bills.
🔹 Receive your salary if you’re working in France.
🔹 Transfer money internationally (Wise and Revolut are great for this).
🚀 Need Help Opening a Bank Account?
At Le Petit Guide, we help expats set up their French bank accounts hassle-free.
✅ We recommend the best bank for your needs.
✅ We help you book an appointment & prepare documents.
✅ We guide you through the account setup process.