Month: March 2025
Moving to France and need a bank account? Forget the red tape, long waits, and paperwork nightmares. Enter Neobanks—the slick, digital-first financial providers that make opening an account as easy as downloading an app. Whether you’re a fresh arrival or just need an international-friendly banking option, here’s the lowdown on the best online banks in France.
Why Open a Neobank Account First?
Settling in France can feel like a never-ending admin marathon. Here’s the problem: You need a bank account to rent an apartment, get paid, and set up bills. But guess what? Many traditional banks won’t open an account without proof of residence—which you often can’t get without a bank account. See the vicious circle?
Solution: Open an account with a Neobank first. It’s fast, easy, and doesn’t require you to be fully settled yet. Later, once you’ve got your French life in order, you can switch to a classic bank for perks like savings plans and loans.
What Is a Neobank?
Neobanks are digital-only financial institutions that have been shaking up the banking scene since 2014. They offer real-time banking, minimal paperwork, and sleek mobile apps—all without the old-school bureaucracy of traditional banks. Think of them as the future of banking, available right now.
Neobank vs. Traditional Bank: Which One Do You Need?
It depends on what you’re after. Neobanks are perfect for:
- Receiving and making payments
- Managing everyday finances
- Basic saving options
- Playing around with stock trading or crypto (hello, Revolut!)
- Traditional banks still have the edge when it comes to:
- Loans and mortgages
- Long-term investments
- Comprehensive financial advice
Are Neobanks Safe?
Yes! But not all are created equal, so do your homework before signing up. Ask around—chances are, someone in your circle is already using one and can spill the tea on their experience.
Downsides of Neobanks
Neobanks aren’t perfect. Here’s what you need to keep in mind:
Most are registered abroad, which could have tax implications (check out our tax guide for details).
No physical branches, meaning no face-to-face help.
Some only offer customer support via chat, not phone.
The Best Neobanks for Expats in France
These online banks are English-friendly and popular among expats:
- N26 (n26.com)
- Revolut (revolut.com)
- Wise (wise.com)
French-Language Neobanks
If you’re ready to navigate banking in French, check out these digital banks:
- Orange Bank (orangebank.fr)
- MaFrenchBank (mafrenchbank.fr)
- CanB (canb.eu)
- Nickel (nickel.eu)
- Aumax (aumaxpourmoi.fr)
- Helios (helios.do)
- HelloBank! (hellobank.fr)
- Lydia (lydia-app.com)
- OnlyOne (onlyonecard.eu)
- Pumpkin (pumpkin-app.co)
What About Traditional Banks?
Many classic French banks now have online banking options, but they still require in-person appointments and lots of paperwork. If you’re looking for a full breakdown of traditional banking options, check out our French Banks and Opening a Bank Account guide.
Final Verdict: Should You Get a Neobank Account?
If you’re new to France, absolutely yes—at least for the short term. It’s the easiest way to get your finances sorted without the headache. Once you’re settled, you can explore switching to a brick-and-mortar bank for additional perks.
Banking doesn’t have to be a nightmare. Go digital, skip the paperwork, and start enjoying your life in France ASAP!
Alright, girls, let’s talk about banking in France. Because here for a longer time, at some point, you’re going to need to open a French bank account. And trust me, navigating the French banking system can feel like an Olympic sport—so let’s make it simple and stress-free.
First Things First: Picking Your Bank
You’ve got two options:
- Neobank (aka online-only banks) – Think effortless, app-based, and usually zero fees. Great if you don’t need a physical branch or a personal banker to sip espresso with.
- Traditional banks – The old-school institutions with actual brick-and-mortar locations. If you’re planning to buy property, take out loans, or just want to feel fancy with a personal banker, this is the way to go.
Do You Need a French Bank Account?
Technically, no. If you have a European bank account, that might be enough for payments and receiving a salary. But if you’re from outside the EU? Things get trickier.
- Students: Universities often have partnerships with banks to make the process smooth.
- Buying property or taking out a loan? Yeah, you need a French account.
Can You Open a French Account Without a French Address?
In theory, yes. In reality? Not so much. Most banks require proof of address (aka a utility bill no older than 3 months) or an Attestation d’Hébergement (a signed letter from whoever’s hosting you).
Banking for Non-Residents
If you’re from the EEA (European Economic Area), you have the right to open a bank account in France.
If you’re from outside the EU, things are more complicated. Some banks might accept you, some won’t. And if you’re American, it can be extra tricky thanks to US regulations (bonjour, FATCA).
Your best bet? Book an in-person appointment with an international French bank or stick to a Neobank.
What Type of Account Should You Open?
Current Account (Compte Courant)
This is your everyday account—the one linked to your debit card, salary, and rent payments. If you’re a student, most banks have discounted offers for you.
Savings Account (Livret)
Want to stash some cash? France has state-regulated savings accounts with around 2% interest per year. Popular options include:
- Livret A (capped at €22,900)
- Livret Développement Durable (€12,000 cap)
Withdraw whenever you want. No strings attached.
Long-Term Savings Accounts
If you’re thinking big picture (like buying property), there are higher-interest options. The downside? Withdrawals are blocked for a set period, and there can be penalties. Some examples:
- Assurance-vie (locked for 8 years)
- Compte épargne logement (for real estate purchases)
Credit Cards vs. Debit Cards in France
Credit cards exist in France, but they’re rare. Most people use debit cards, which get called “cartes de crédit” just to confuse you.
Little tip? If you’re planning to go into the red, don’t—because overdraft fees are insane (up to 4% interest!). Stick to a Neobank if you want a hard limit that prevents you from going negative.
Can You Transfer Your Foreign Account to France?
If your home bank has a branch in France, you might be able to switch over. Otherwise, prepare for the full sign-up process.
How to Open a French Bank Account
Can You Do It Online?
Yes—if you’re a resident. But honestly? We recommend booking an appointment in person. Need help? Just ask us.
How Much Does It Cost?
- Opening Fees: Around €50 to set up your account.
- Annual Fees: These vary wildly—from as low as €2/year (Boursorama) to €100+ (Crédit Coopératif). Want fancy features? Expect to pay more.
- ATM Withdrawals: Free
What Do You Need to Open an Account?
Standard Docs
- Passport or valid ID
- Proof of address (or an Attestation d’Hébergement)
- Proof of income/work contract
Students Also Need
- Student card or proof of enrollment
💡 Good to know: If your documents aren’t in French, you might need a notarized translation.
How Long Does It Take?
If all goes smoothly, you’ll get your:
- RIB (bank details)
- Bank card
- Checkbook (if you’re old-school)
…in about two weeks.
Final Thoughts
Banking in France isn’t as complicated as it seems—once you know the ropes. Whether you go with a traditional bank or keep things slick and digital with a Neobank, the key is knowing what you need and how much you’re willing to pay for it.
And if you’re still lost? DM us. We got you. 💁♀️
Moving to France and need a French social security number? Whether you’re working, studying, or planning to stay long-term, this 13-digit number is your key to healthcare, benefits, and more. Here’s everything you need to know to get yours.
What is a French Social Security Number?
A French social security number (Numéro de Sécurité Sociale) is a unique identifier used for accessing healthcare, unemployment benefits, pensions, and more. Without it, simple tasks like seeing a doctor, opening a bank account, or receiving government support become complicated.
Why Do You Need One?
Your social security number is essential for:
✔️ Medical coverage – It links to your Carte Vitale, France’s health insurance card.
✔️ Employment – Your employer needs it for payroll and tax contributions.
✔️ Government benefits – It’s required for accessing maternity, disability, family allowances, and more.
✔️ Ameli.fr account – This online portal manages all your healthcare reimbursements.
What Happens If You Don’t Have One?
Without a social security number, you might struggle to:
🚫 Get reimbursed for medical expenses.
🚫 Receive unemployment benefits.
🚫 Secure a pension in the future.
🚫 Open a French bank account or apply for certain visas.
Who Is Eligible?
If you live and work in France, you’re eligible for a social security number. This includes:
✅ Employees (full-time and part-time)
✅ Self-employed workers
✅ International students (under certain conditions)
✅ Unemployed individuals with residency in France
Where Can You Find Your French Social Security Number?
If you already have one, you’ll find it on:
📌 Your Carte Vitale
📌 Your tax documents (e.g., tax returns)
📌 Your pay slips or employment records
📌 Your Ameli.fr account
How to Apply for a French Social Security Number
If you’ve never had a social security number or can’t find proof of one, you’ll need to apply.
Documents You’ll Need
📎 Identity Documents – Passport, national ID, or residence permit.
📎 Birth Certificate – A full version with parental details.
📎 Proof of Address – Utility bills (1 if employed, 3 if unemployed).
📎 Employment Documents – Work contract or first pay slip (if applicable).
📎 Bank Details (RIB) – Required for reimbursement.
📎 European Health Insurance (if applicable) – If previously covered in the EU, you may need an S1 form or a refusal letter from your previous provider.
How to Submit Your Application
👉 Fastest method – Ask your employer’s HR department to handle it. This can take 1-2 months instead of 6-8 months.
👉 Direct application – Mail your documents to CPAM (Caisse Primaire d’Assurance Maladie) or submit them in person.
Pro tip: If you’re coming from another European country, request an E104 form from your old health insurance provider to avoid complications.
How to Get a Social Security Number Without a Job?
If you’re unemployed and not a student, the process is trickier but possible. You must:
✅ Go in person to your local CPAM office (Find your nearest location here).
✅ Submit the same required documents listed above.
✅ Be patient—processing times vary!
Getting a Carte Vitale in France is essential for accessing the healthcare system. Whether you’re a student, employee, or freelancer, you’ll need it for doctor visits, pharmacy prescriptions, and hospital stays. Some say the process is complicated, but if you follow these steps, it’s actually quick and easy.
What is a Carte Vitale and Why Do You Need One?
A Carte Vitale is your French health insurance card, ensuring automatic reimbursements for medical expenses. Instead of dealing with paperwork, your refunds go straight into your bank account.
Without it? You’ll have to manually send forms to France’s national health insurance (Sécurité Sociale), which can be a hassle.
What Does a Carte Vitale Look Like?
It’s a small, green card, similar in size to a credit card, and fits right in your wallet. It includes:
- Your social security number (which you won’t remember by heart!)
- The names of people covered, including children under 16.
📌 Tip: Always carry it with you for doctor’s visits and prescriptions!
Is a Carte Vitale Mandatory in France?
Yes. If you live in France, you must have state-provided health insurance—whether you’re an employee, freelancer, student, or job seeker.
Is a Carte Vitale Free?
Yes, applying for a Carte Vitale is free. However, if you’re submitting documents from abroad, translation costs may apply.
How Long Does a Carte Vitale Last?
Forever! (As long as you’re living in France.)
How to Get a Carte Vitale in France: Step-by-Step Process
Eligibility Checklist
You need to:
✔ Have lived in France for at least three (3) months
✔ Be 16 or older
✔ Have a French bank account
✔ Have your Social Security Number (Numéro de Sécurité Sociale)
Documents You’ll Need
- Copy of your passport
- A portrait photo
- Proof of residence (utility bill, rental agreement, etc.)
- RIB (Relevé d’Identité Bancaire) for reimbursements
How to Apply Online
💡 Everything happens on ameli.fr (France’s national health insurance website). It’s all in French, but here’s your shortcut:
1️⃣ Create an Ameli account
- Sign up with your Social Security Number
2️⃣ Start the application
- Look for “Commander une Carte Vitale” (Order a Carte Vitale)
- Can’t find it? Try this path:
- “Remboursement, prestations et soins” → “Être bien remboursé” → “Carte Vitale”
3️⃣ Upload your documents
- Passport, photo, proof of address, and RIB
4️⃣ Submit & wait
- Your card arrives in about two weeks
- Track your order on ameli.fr
Keeping Your Carte Vitale Up to Date
✔ Annual Update: Do this once a year at a pharmacy or doctor’s office.
✔ Child Turns 16? They’ll need their own Carte Vitale.
Lost It? No Panic.
Go to ameli.fr, log into your account, and report it lost or stolen.
Final Tips (Because We’ve Been There)
🚫 Don’t call it the “Vital Card” (it sounds weird in French)
📲 Use the Ameli website or app ONLY—no shady third-party sites
📝 Always send copies, never originals of your documents
📜 If you got a paper form for your Carte Vitale request, toss it—it’s easier online
✨ Voilà! You’re now officially part of the French healthcare system. Need help? Drop your questions in the comments! 💬