Bank card offers

Postal Bank has created “including family”, a support program for your children at each stage of their lives, which gives you customer advantages to the subscription of our solutions dedicated to minors.

Postal banking banking prices

Discover the bank rates offered by the Banque Postale.

Prices in force on January 1, 2023:

Prices in force on January 1, 2022:

How is postal bank a bank accessible to all ?

• Postal Bank is the bank of bank accessibility. Beyond her public service mission, she is committed to combating banking exclusion and welcoming anyone with consideration, whatever their condition, thanks to the network of post offices.
• The Bank wishes to favor a lasting and confidence relationship with its customers, which is why prices are established for everyone, on a national scale without distinction from overseas or a region to the ‘other.

Do young people benefit from really advantageous prices for the postal bank ?

Young people benefit from preferential rates*$ ::

• FreeAccount formula for customers aged between 12 and 17 years*$
• You have between 18 and 25 years old ::
  • € 2.50/month With the Réalys card and Alliatys insurance*$*$
  • 3 €/month With the Visa Classic or Visa Premier card (the 1st year) and the Alliatys insurance*$*$
  • 4 €/month With the Réalys card and Alliatys insurance*$*$
  • 5 €/month With the Visa Classic or Visa Premier card (the 1st year) and the Alliatys insurance*$*$

  And in addition, with your account formula, you benefit from an overdraft at preferential rate*$ and a threshold of non -perception of agios maximum per quarter of € 3 € 3.

  • The opening of the account, the subscription of an account formula and the issuance of means of payment are subject to the acceptance of the file by the Postal Bank as well as to the authorization of the legal representative for minor customers. As part of a subscription by a new major client via the Labanquepostale website.fr, only the online monthly account statement, the Réalys, Visa Classic or Visa Premier cards in immediate debit are offered. The checkbook and the overdraft are not offered.
  • Price reserved for customers aged between 12 and 17 years only for any subscription of an account formula #talentbooster 12-17 years with the Réalys or Visa Classic with immediate debit, carried out until 31/12/2021 inclusive. Free account formula valid until the last contribution preceding the date of the 18th anniversary.
  • The opening of the account, the subscription of an account formula and the issuance of means of payment are subject to the acceptance of the file by the Postal Bank as well as to the authorization of the legal representative for minor customers. As part of a subscription by a new major client via the Labanquepostale website.fr, only the online monthly account statement, the Réalys, Visa Classic or Visa Premier cards in immediate debit are offered. The checkbook and the overdraft are not offered.
  • Price reserved for customers aged between 18 and 25 included for any individual account opening with subscription of an account formula 18-25 years with the Réalys card (immediate debit) and an alliatys payment insurance contract.
  • The opening of the account, the subscription of an account formula and the issuance of means of payment are subject to the acceptance of the file by the Postal Bank as well as to the authorization of the legal representative for minor customers. As part of a subscription by a new major client via the Labanquepostale website.fr, only the online monthly account statement, the Réalys, Visa Classic or Visa Premier cards in immediate debit are offered. The checkbook and the overdraft are not offered.
  • Price reserved for customers aged between 18 and 25 included for any individual account opening with subscription of an 18-25-year account formula with the Visa Classic or Visa Premier year (immediate or delayed debit) and a contract ‘Alliatys means of payment insurance.
  • The opening of the account, the subscription of an account formula and the issuance of means of payment are subject to the acceptance of the file by the Postal Bank as well as to the authorization of the legal representative for minor customers. As part of a subscription by a new major client via the Labanquepostale website.fr, only the online monthly account statement, the Réalys, Visa Classic or Visa Premier cards in immediate debit are offered. The checkbook and the overdraft are not offered.
  • Price reserved for customers aged between 26 and 29 years included for any individual account opening with subscription of an account formula 26-29 years with the Réalys card (immediate debit) and an alliatys payment insurance contract.
  • The opening of the account, the subscription of an account formula and the issuance of means of payment are subject to the acceptance of the file by the Postal Bank as well as to the authorization of the legal representative for minor customers. As part of a subscription by a new major client via the Labanquepostale website.fr, only the online monthly account statement, the Réalys, Visa Classic or Visa Premier cards in immediate debit are offered. The checkbook and the overdraft are not offered.
  • Price reserved for customers aged between 26 and 29 years included for any individual account opening with subscription of an account formula 26-29 years with the Visa Classic or Visa first year (immediate or delayed debit) and a contract ‘Alliatys means of payment insurance.
  • Only for customers between 18 and 25 years old. Subject to acceptance of the file by the postal bank. Discovered to regularize within 30 days, Agios according to rate in force.

  What are the pricing advantages for families at La Banque Postale ?

  

  Postal Bank has created “including family”, a support program for your children at each stage of their lives, which gives you customer advantages to the subscription of our solutions dedicated to minors.

  Where to find practical information on banking prices ?

  Consult CCSF glossaries to better understand the bank:

  For more information and advice, find the mini guides made by the French banking federation:
  Consult the mini-guide from the French banking federation

  Find quarterly the wear thresholds in accordance with the publication of the Official Journal:
  Discover the wear rates

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  Bank card offers

  

  Discover the whole range of bank cards available at Banque Postale.

  International bank cards

  To make your daily payments and withdrawals, La Banque Postale offers you one of the most complete range of international bank cards with many associated services. From the Réalys card to the Visa Infinite à la carte, discover in detail the card that suits you.

  

  Each need for its bank card

  • Realys card: The systematic authorization card for total budget control
  • Visa Classic card: the card with all essentials
  • Premier visa card: the card to accompany you on a daily basis and on a trip
  • Visa Platinum card: the best of the first visa with access to a personal assistant
  • Infinite visa card: the Prestige card

  You plan to travel abroad ?

  Before your departure, remember to check the settings of your card from the card space of the mobile application La Banque Postale or to contact your financial center in order to make the most of and more serenity of the features of your bank card. On this occasion you can increase the payment ceiling of your bank card.

  Exchange rate applied to card transactions

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  Charitable cards

  Choose a visual in the colors of the AIDS Solidarity Association !

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  5. 05 How to use my card abroad ?

  Prepared bank cards

  Holiday or leisure budget, online purchase, your children’s pocket money … You want practical solutions to better control your expenses ? La Banque Postale offers you a range of prepaid and rechargeable international bank cards for your payments and withdrawals in France and abroad.

  

  Each need for its bank card

  • Postal Bank prepaid card
  • Protectys card: the card that simplifies the management of daily expenditure of the Protected Major
  • Regliss card: the prepaid and rechargeable bank card, from 12 years old, with parental control

  Management spaces dedicated to your prepaid bank card

  To manage your rechargeable prepaid card everywhere and at any time.

  Associated solutions

  The credit option card

  The Credit Option card is the association of CB and revolving credit, allows you to make your purchases and withdrawals without additional card contribution.

  Delayed debit service

  The delayed debit service makes it possible to optimize and facilitate the management of your cash with an advance of up to 30 days, without agios or additional costs.

  Blue e-card service

  The blue e-card service is attached to your bank card which allows you to pay your purchases online without having to transmit the contact details of your bank card.

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  This could also interest you:

  • Online payment method
  • SEPA SEP
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  • Premier visa card
  • Online bank account
  • Credit payment
  • Blue card

  What are the different types of bank cards offered by the Post Bank ?

  You want to open an account to the postal bank but do not yet know which bank card is the most suitable for your daily life and your current or future needs ? To find out what type of bank card to choose, you must have in mind the characteristics and options of each.

  International payment card

  The international payment card allows both to make cash withdrawals to automatic ticket distributors (DAB) and to pay purchases from merchants or online, whether in France as abroad, everywhere in the world where the merchant displays the visa logo for postal banking cards. It can be “with immediate speed” (that is to say that the sums paid are deducted “over the water” of the balance of the bank account) or “with delayed flow” (the amount of transactions is debited from the account at once, on a fixed date, often at the end of the month).
  Discover the Visa Classic card .

  A payment card may also be “systematic authorization”: the account balance is questioned upstream of the purchase, and the transaction is only authorized if the account is sufficiently supplied.
  Discover the Réalys card.

  Premium card

  Depending on your profile, you may need to equip yourself with a so -called “premium” card, including insurance or assistance guarantees, discounts with partner brands, concierge services, etc. The contributions of these high -end Visa Premier cards, or even very high -end Visa Platinum and Visa Infinite, have a higher contribution per year. The term “black bank card” or “black” generally designates the highest -end cards on the market, referring to their color; This corresponds to the infinite visa card of the postal bank.

  Card with debit / credit option

  The debit/credit card allows its wearer to choose, at the time of purchase, to debit either his bank account directly, or a line of renewable credit.
  Discover the credit option card

  Prepaid card

  The prepaid cards are rechargeable, with systematic authorization therefore without risk of exceeding and not attached to the current account. In France as abroad, they allow you to make withdrawals and payments in store and online.
  Depending on your needs, La Banque Postale offers a range of 3 prepaid cards:

  • The prepaid card of the postal bank: for those who wish a second bank card distinct from their current account,
  • The Regliss card: the “pocket money” prepaid bank card from 12 years old,
  • The Protectys card: the bank card that simplifies the management of daily expenditure of the Protected Major.

  Blue card: Synonym of bank card ?

  In everyday language, the two terms are used as synonyms, we should no longer talk about a bank card now. Indeed, the national credit card has not been marketed for a few years, it made it possible to make its payments or withdrawals only in France via the “CB” network.

  (1) The opening of the account and the issuance of payment methods are subject to acceptance of the file by the Postal Bank
  (2) Only for flights from Europe