Post bank card

Postal Bank requests to provide personal information (name, first name, date of birth, etc.) as well as proof of identity and domicile. When the account opening will be validated, the consumer will receive at his home his La Poste bank card.

La Poste bank card: Cards available at Banque Postale

Several bank cards are available at La Banque Postale: Visa Classic, Visa Premier, Visa Infinite … at prices similar to those of other traditional banks. Which bank card to choose at La Poste ? What are the prices ? Associated services ?

La Poste bank card: the whole list

Prices and characteristics

Banque Postale markets four bank cards to its customers. All belong to the Visa network. Find below the list of cards as well as their respective characteristics:

Réalys card
Visa Classic
Premier visa
Platinum visa
Infinite visa

Note: the second bank card is -50%.

Each bank card offered by La Poste has its own specificities.

La Poste bank card: Insurance and assistance included

Likewise, each of the postal banking bank cards incorporates insurance and assistance. Only the Réalys card does not offer any warranty.

Classic card (Visa Classic)	Gold card (First visa)	Luxury card (Infinite visa)
Insurance
Capital death / disability	✔️	✔️	✔️
Modification, cancellation and interruption of travel	❌	✔️	✔️
Snow and mountain	❌	✔️	✔️
Damage / flight of the rental vehicle	❌	✔️	✔️
Civil liability abroad	❌	✔️	✔️
Delay in transportation	❌	✔️	✔️
Delay, loss, theft and damage to luggage	❌	✔️	✔️
Assistance
Transport / medical repatriation	✔️	✔️	✔️
Back to the accompanying	✔️	✔️	✔️
Advance and reimbursement of medical expenses	✔️	✔️	✔️
Refund of telephone costs	✔️	✔️	✔️
Assistance in the event of legal prosecution abroad	✔️	✔️	✔️
Replacement driver	❌	✔️	✔️
Cash advance	❌	✔️	✔️

Which bank card to choose at La Poste ?

Réalys card

The Réalys card is a Electron visa card. It is opposed to the other cards of the Visa network by the fact that it is a Systematic authorization card.

Concretely, this means that the customer will not be able to make a transaction with his card if the balance is not enough on his account. This is a good way to avoid being uncovered. On the other hand, its main drawback is that this card is refused to tolls, parking lots, hotels, at car rental companies ..

This type of bank card is often entrusted to minors or people in financial fragility. It allows you to pay in France and abroad wherever the Visa Electron network is available.

>> Obtain your Réalys card

Visa Classic

Available in all banks, not just at La Poste, the Visa Classic bank card is most marketed in France. Accessible in immediate or delayed flow, it allows you to withdraw money, pay for merchants and make online shopping. It is also usable in France as abroad, and its ceilings are higher than those of the Réalys card.

The Visa Classic card also allows you to benefit from a few insurance and assistance that protect the consumer when traveling.

In conclusion, the Visa Classic de la Poste bank card is Perfect for conventional regular use, especially in France. A student, a young asset or an employee can be satisfied with it if he has no specific needs.

>> Obtain your Visa Classic card

Premier visa

The more expensive visa card is a high -end bank card. If it remains accessible to as many people as possible, it will be especially useful for those who travel regularly or who need higher expenditure ceilings.

Indeed, the main advantage of the Visa Premier card is that it offers to many insurance and assistance which will cover the consumer. That the customer leaves in the mountain, in the south of France or in a foreign country, he can assert the guarantees of his card in the event of a problem. We strongly invite the consumer to Consult the insurance manual and exclusions before leaving.

Thus, the Visa Premier bank card is intended especially in Those who travel a lot, or those who need higher ceilings.

Note : however, paying with your Visa Premier Bank Card from La Poste outside the euro zone is paying. The costs are even rather high. To get free abroad, you will have to turn to another bank, such as Fortuneo, which offers free costs with its Gold Mastercard or the Fosfo card. >> Find out more about Fortuneo

>> Get your first visa card

Platinum visa

This time let’s go into the field of luxury bank cards. The Visa Platinum card is Quite not very common in France And plays the role of intermediary between the Visa Premier card and the Infinite visa card.

Indeed, it has All guarantees of the Visa Premier card and a personal assistant, also called concierge service. This service is accessible by phone from Monday to Saturday from 9 a.m. to 9 p.m. in the following cases:

• Journey -Ticket reservation, “tailor-made” stay design, reservation of a rental vehicle, advice ..
• Gourmet – Advice or a restaurant reservation
• Practical -Taxi priority reservation (service available 24/7), search for home stakeholders (cleaning lady, baby-sitter for the same evening, plumber, etc.))
• Lifestyle – Tips or the reservation of show places

In fact, this is a bank card that only the wealthiest customers in La Poste will need.

>> Obtain your visa platinum card

Infinite visa

Finally, the infinite visa offers even more. THE concierge service is this time accessible 24 hours a day, 7 days a week, whatever the request. The guarantees ceilings are also higher.

However, these services are paid, and at a minimum of € 320 per year, it is obvious that this bank card only targets particularly affluent customers from the post office. It also remains to be seen if it will really use the concierge service.

>> Obtain your infinite visa card

La Poste bank card: other rates and services

The price of each La Poste bank card does not necessarily integrate all the services. Depending on the use of the card, abroad for example, and in certain situations, additional costs may be applied to the customer. Find the prices of the postal bank:

• Blue e-card service (virtual bank card): 13 € (free for Platinum and Infinite cards)
• Credit option (with association of a renewable credit: free
• Early renewal of a card: € 13.50
• Payment by card outside the euro zone: 2.30% of the amount (1 € minimum)
• Card withdrawal outside the euro area: € 3.30 + 2.30%
• Withdrawal in euro zone: € 0.85 from the 4th withdrawal per month

These bank card costs are not a specificity of the post. For example, all banks charge early renewal costs.

Obtain your Bank Card La Poste

Once the customer has made their choice, you have to Open an account to the postal bank To get his card. The consumer can either move to an agency, often by appointment, or subscribe from home thanks to the Online form.

Postal Bank requests to provide personal information (name, first name, date of birth, etc.) as well as proof of identity and domicile. When the account opening will be validated, the consumer will receive at his home his La Poste bank card.

Good to know : La Poste also has an online bank, my French Bank, which offers a account and a bank card for € 2/month.

Written by Claire Krust – Updated on 03/16/2023

18 responses to “La Poste bank card: cards available at the Banque Postale”
by Marjorie – November 15, 2022 Reply

Hello, I would like to take a payment card to my 12 year old daughter that I can credit as I wish what do you advise me .

by Joellyne de Captain Banque – November 15, 2022 Reply

Good morning,
The easiest way is initially to go to your bank to know their offer. Being already customer at home, transfers between accounts and the use of the mobile application will be easier. A large number of banks nevertheless offer accounts for minor as well as payment systems such as Mastercard which offers the Kard offer.
Sincerely, the Captain Banque team

by Williams – August 12, 2022 Reply

Hi
I have normal bank card from La Poste Just a Bank Account That Comes with a card
My question is can i use this card to withdraw money outside the country?

by Joellyne de Captain Banque – August 12, 2022 Reply

Usually, it’s possible to withdraw money outside the country but we advise you to see a bank advisor a bank Advis to find out if there are additional rats.

Sincerely, the Captain Crédit team.

by Ray – August 16, 2021 Reply

I have a Visa Classic card at La Banque Postale but I don’t use it because I have a 2nd account in BforBanque. The BforBanque card is free and more convenient to manage. It’s a first card.

Finally, I use my account to the postal bank on the Internet to make transfers. I use my BforBanque card to pay online and in store.

I cannot delete my account at the postal bank because I have a mortgage there, so I pay a Visa Classic card for nothing when I have a free card free.

If I replace my Visa Classic card with a 24/24 card (free), can I continue to benefit from my internet management at Banque Postale ? Do I take a risk to abandon my Visa Classic card ?

Thank you very much for your help. Your forum is top and relevant. I like.

by Joellyne de Captain Banque – August 17, 2021 Reply

Normally, access to a customer area does not require to have a bank card in the organization. You normally have the possibility of requesting the deletion of your bank card at the Postal Bank to use this account without a bank card. To do this, you can contact your advisor, or send a registered letter dated and signed with a photocopy of your identity document by requesting the deletion of your and attaching your card, destroyed.

Sincerely, the Captain Banque team.

by Jean -Pierre Cholet – August 15, 2021 Reply

Hello, I hold a postal bank account and I want to get a Visa Classic credit card card.
how to do ? .THANKS.

by Joellyne de Captain Banque – August 17, 2021 Reply

If you want to have a Visa Classic card associated with your postal bank account, we advise you to get closer to your advisor to explain the demonstration to you. Otherwise, you can contact us at 03.20.88.52.11 or compare current offers on our comparator by clicking here.

Sincerely, the Captain Banque team.

by Cauquil – July 13, 2021 Reply

How to get a credit card for my elderly parents who can no longer move to an agency,

by Joellyne de Captain Banque – July 13, 2021 Reply

You have the possibility of applying for an account opening on their online form. This is at this point that you will have the opportunity to choose the card that will be best suited.

Sincerely, the Captain Banque team.

by Karina – April 16, 2021 Reply

Good morning,
Is it possible to have issued a 2nd Visa Classic card that I could give my husband to use?
What would be the costs?

I do not want to change the account to a joint account, I just would like him to be able to pay by a second card or withdraw money if necessary.

by Joellyne de Captain Banque – April 17, 2021 Reply

No, nothing indicates on their website that it is possible to issue a second card linked to your personal current account. However, we advise you to contact your advisor directly to have a clear answer.

Sincerely, the Captain Banque team

by Camarakine – March 23, 2021 Reply

Hello with the Réalys bank card can we pay in several times. ? Do we have the right to have a checkbook ? THANKS

by Joellyne de Captain Banque – March 23, 2021 Reply

In principle, your Réalys card allows payment in several times. However, the acceptance of your payment request in several times depends on the merchant.
Regarding your request for checkbook, it depends on your financial situation and not on your type of bank card. You must therefore inquire with your advisor (E).

Sincerely, the Captain Banque team.

by Fred – February 23, 2021 Reply

Good morning
What is the best card of the postal bank for withdrawals from foreign currencies outside the EEC ?
THANKS

by Joellyne de Captain Banque – February 24, 2021 Reply

A priori, the costs for withdrawals outside the euro zone are identical regardless of the bank card chosen and are € 3.30 + 2.30% of the amount. If you are looking for a bank that offers reduced costs as part of payments and withdrawals outside the euro zone, the best is to turn to an online bank. You can make a simulation on our comparator to find the bank best suited to your search by clicking here.

Sincerely, the Captain Banque team.

by Sekou – January 27, 2021 Reply

I wanted some information with you please my father has died for a few years but I am in France I am not staying to go to France I am in Africa but how I can recover his bank card help me thank you

by Joellyne de Captain Banque – January 27, 2021 Reply

Unfortunately, in the event of death, the account is closed, so you will not have the possibility of recovering and using your father’s bank card.
Regarding the sum of the account, you will have to contact the bank concerned in order to know the steps to be taken and therefore to recover it if possible.

Sincerely, the Captain Banque team.

Post bank card

The postal bank

Finance your studies, change your smartphone, go abroad…
These are the days or never to take advantage of our solutions dedicated to 18-29 year olds.

Online mail

• • 200 administrative mail models
• • Printing and distribution by post
• • 24 hours a day, 7 days a week on Laposte.Fr
• • Accessible on smartphone and computer

I want to read more

My French Bank

• • Real -time account
• • International visa card
• • Zero costs abroad*
• • SMS transfers

Mobile Post

• • The quality of the SFR network and customer service La Poste
• • Smartphones of major brands, even for small budgets !
• • Mobile plans with a mini price at mini prices

I answer the call

Young pass (1)
Postal bank

• • 100% online free services:
  search for housing and financial aid, psychological aid and well-being, certification with foreign languages, .

Youth home insurance

• • A contract designed for 18-29 year olds included, tenants or occupants
• • From 6 €/month (2) for a studio and 9 €/month (2) for a two -room
• • Declaration and loss management 100% online

I make a quote

Student personal loans
And apprentice (3)

• • No personal contribution required
• • Possibility to postpone the start of reimbursement of your credit (4)
• • for students aged 18 to 35 and for apprentices
  18 to 24 years old

A credit commits you and must be reimbursed. CHECK YOUR REPAYMENT CAPACITY BEFORE YOU COMMIT.

My French Bank
*My French Bank will not pay any costs from payments and withdrawals abroad.
My French Bank – SA with Board of Directors – Publicity capital of € 258,000,000. 115 rue de Sèvres 75275 Paris Cedex 06 – RCS Paris n ° 828624759 – ORIAS n ° 18001139. My French Bank is a subsidiary of the Postal Bank.

https: // www.lapostemobile.Fr/

The postal bank
(1) Offer reserved for postal bank customers aged 15 to 29. See Terms and Terms on https: // www.the postal bank.FR/Particular/Solutions-Jeunes/Services-Extra-brands.html
(2) Prices in force on 01/01/2023. Offer valid for the first 2 years (excluding additional guarantees, whose flight) for any new subscription to an insurance contract with the Banque Postale Insurance IARD and subject to fulfilling the conditions for the eligibility of this offer. Offer valid exclusively for insured people aged 18 to 29 included, who wish to ensure their main residence of maximum 2 rooms and who opt for a level of furniture capital of € 2,500 for a room living alone without roommates, or € 5,000 for Two rooms living alone, as a couple, or with 1 maximum roommate, a deductible of € 120 and without guarantee of precious objects. (3) Offer reserved for individuals, subject to study and define acceptance of your file by the lender. You have a legal withdrawal period of 14 day -old calendar days. (4) The postponement of the start of the repayment of the credit corresponds to a possibility of deductible, according to contractual conditions.

La Banque Postale Assurances Iard – SA in capital of 146,952,480 €. Headquarters: 30, Boulevard Gallieni 92130 Issy-les-Moulineaux. RCS Nanterre n ° 493 253 652. Company regulated by the Insurance Code.
For consumer credits:
Lender: La Banque Postale Consumer Finance – SA with Board and Supervisory Board. School capital 71,085,000 €. 1, avenue François Mitterrand 93212 La Plaine Saint-Denis Cedex. RCS Bobigny n ° 487 779 035. Insurance intermediary, registered with the ORIAS under n ° 09 051 330.
Distributor/credit intermediary: La Banque Postale – SA to Management Board and Supervisory Board. Share capital 6 585 350 218 €. 115, rue de Sèvres 75275 Paris Cedex 06. RCS Paris N ° 421 100 645. ORIAS n ° 07 023 424.