Open account without bank abroad – Sogexia, open an account in a foreign bank in France – Wise
Open an account in a foreign bank in France: what are your choices
This is the case if the traveler inadvertently exceeds his withdrawal or payment ceiling, or if he is stolen from one of these bank cards. In addition, the traveler benefits from advantageous online banks while retaining its main account in its reference bank.
Open a bank account abroad
When you live abroad and you want to open a bank account with a French banking institution, it’s not always easy. So why not contact a payment institution rather such as Sogexia ? This one offers you the possibility of opening your payment account if you are a resident of European Economic Space, even temporarily.
The simplicity of opening an account abroad
Private or company can open a payment account from abroad. Whether you are traveling to Europe or student but also if you are a foreign national living in France, you have the possibility of opening an account with Sogexia. No need for regular income or significant deposit. You can even if you have had some problems with the Banque de France (banking prohibition) proceed to the opening of an account in a few clicks. To do this, you must simply justify a residence address in one of the European Economic Space countries. You can open an account abroad directly online in a few minutes, get a bank card – debit card – and a RIB for your banking operations. Once your information has been recorded, your account is open. Even if you already have a bank account abroad.
Many advantages with Sogexia
- Transfers credited upon receipt;
- Payments displayed immediately in your history;
- Real -time notifications;
- Categorization of expenses;
- Monitoring tool.
With your bank card, you can make shopping in store or online and withdrawals. It is possible to order several MasterCard cards per account. You have the possibility of opening a particular account and a business account and this from abroad. The account holding costs are free and you can recharge your bank account abroad by bank card or transfer in a few minutes.
Open an account in a foreign bank in France: what are your choices?
Complete guide for those who wish to open an account in a foreign bank in France: What are the available establishments ? What are the differences with French banks ?
For more flexibility, subscribe to the Wise account: you can receive transfers in Euro and 9 other currencies at no cost, but also make foreign currency transactions (one of the best exchange rates possible).
Foreign network banks present in France: what are they ?
Many foreign banks have a branch in France. Their geographic coverage is however very uneven.
Among the establishments present in France, we find:
- Bank of America
- Attijariwafa Bank Europe
- Chaabi Bank of Morocco
- Bforbank
- Deutsche Bank
- HSBC
- ING Bank
- UBS
- Unicredit
Attention : banks do not necessarily offer services for private customers. Some of them have only an investment activity for example.
How to open an account in a foreign bank in France ?
Foreign banks are subject to French law Even if the parent company is not located in another country.
The documents to be provided and the procedure to open an account are the same as in the other establishments.
We will ask you at least:
- Copy of your identity card, passport or residence permit.
- Proof of address.
- Handwritten signature.
Depending on the account or card you request, you may have to present other supporting documents.
Here is the general procedure to subscribe to a bank account:
- Make an appointment to find out the list of documents to provide.
- Go to the agency and ask to see the advisor.
- Choose the account that interests you.
- Give the required documents.
Once the account is opened, you just have to recover your card: you will generally have to return to the agency. However, some banks may send it to you at home.
Foreign Bank VS. French bank: which solution to choose ?
If you stay in France and travel little, to open an account in a French bank is the most natural.
This does not mean, however, that pricing conditions are better. Take the time to compare before making your choice.
On the other hand, if you often travel, having an account in a foreign bank can be interesting for withdrawals.
Some establishments offer exemption from costs on withdrawals made in the DAB of the bank. If the bank is present in the country where you are going, you can save money.
You are expatriate and you have ties in your country of origin ? Opening an account in a foreign bank in France is a solution to consider. Attijariwafa Bank Europe, for example, offers transfers to Morocco at preferential prices.
Foreign online bank in France: what are the establishments present ?
With the creation of the SEPA zone and the simplification of financial standards, many players offer their service in France.
These providers are distinguished from network banks by the fact that the subscription is done online. No need to go to an agency to open an account. Everything is done from a mobile application. You will then receive the bank card at your home.
Another point to note: they allow to save on foreign currency transactions, which makes them more interesting abroad.
Foreign bank for French resident in France: how to find the one that suits me ?
What to choose: a physical bank or an online bank ?
You are looking for a card and an account to use in France ? Opt for a physical bank. National transactions (including withdrawals) will come back to you cheaper than with an online bank.
With a traditional establishment, you have access to the agency network. Practical if you need advice or help for outgoing transactions.
If you travel a lot, it is better to subscribe to the offer of an online bank. Some of them (like Wise) make it possible to make withdrawals, payments and transfers at the interbank rate. You will save money compared to a classic bank.
Foreign online banks offered in France are international oriented. Even if they allow you to make payments by card and receive free money (subject to condition), withdrawals will be more expensive than with a card issued by a foreign bank in France.
Foreign network bank in France: what are the criteria to take into account ?
Number 1: the price. Look at how much the account holding costs, the various insurance costs and especially the contribution of the card.
You plan to travel ? Check if there are withdrawal fees if you go to a dab of the same establishment. If not, you will save many during your stay. However, the bank must be well established where you are going so that it is interesting.
Whatever the physical establishment you choose, transactions abroad will come back to you more expensive than with an online bank. Except in special cases.
If you are looking for a long-term banking solution, take a look at other banking products: loans, investment solution … Find out about interest rates, and conditions to have the right.
Finally, do not hesitate to try the mobile application of the bank. What are the functions offered ? Is it intuitive ? So many details that will make the difference in the long term.
Wise: an ideal payment operator for France and abroad
The WISE MULTI-DISTRIBUTION ACCOUNT is accessible to anyone with an address in France or in Europe. In particular, it allows to do operations in currency at the interbank rate.
He also has other advantages:
- No account holding fees, no card contribution: you only pay the costs of sending the card. Then Wise will charge you to use only.
- Currency account numbers: Receive payments in Euro and 9 other currencies at no cost.
- At no cost with one of the currencies of your account.
- Online subscription: Open an account from the Wise application, without moving.
This publication is provided for general information only and does not aim to cover all aspects of the subjects it deals with. This is not the only source of advice on which you should rely. You must obtain professional or specialized advice before taking, or to abstain, to make any decision on the basis of the content of this publication. The information contained in this publication does not constitute legal, tax advice or other professional advice from Wise Payments Limited or its affiliated companies. Past results do not guarantee a similar result. We do not make any declaration, guaranteed, express or implicit, that the content of the publication is exact, complete or up to date.
Here and elsewhere, your money at all times
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The best banks to travel: which online bank to go abroad ?
Traveling abroad has a cost. Among the sources of expenditure, the banking costs, which increase as soon as the user makes withdrawals and payments to foreign foreign currency. Before going on a trip, why not subscribe to a bank offer without obligation and at no cost abroad ? Find in this guide our selection of the best banks online to travel at a lower cost.
up to 120 € offered
Monabanq offers you up to 120 € For a first current account opening.
Boursorama Banque offers you Until 100 € For very first account opening.
Up to € 230 offered
Fortuneo offers you up to 230 € For a first account opening.
✈️ Best bank to travel: our ranking
Selection of best bank cards to travel
Fosfo
0 €/month
Standard mastercard
✔️ No income condition
✔️ Accessible card without income condition
✔️ Payments and withdrawals at no cost abroad
✔️ Unlimited and free ephemeral virtual cards
✔️ Mobile payment via Apple Pay, Google Pay, Samsung Pay
✔️ Access to MasterCard insurance and assistance
✔️ Promotional offers (welcome bonus, sponsorship)
Welcome
0 €/month
International visa card with systematic authorization
✔️ No income condition
- A free offer and without income conditions
- Reduced foreign costs
- Classic Visa Insurance
- Overdraft
- Sponsorship program + generous welcome offer
- Efficient mobile application
Hello One
0 €/month
International visa card with systematic authorization
✔️ No income condition
✔️ Free bank card without income conditions
✔️ Telephone customer service
✔️ Fresh removal all over the world in the BNP network
✔️ Check delivery service
Revolut Standard
0 €/month
International MasterCard card with systematic authorization
✔️ No income condition
✔️ Free card
✔️ little fees abroad
✔️ Revolut junior account
✔️ Innovative mobile application
N26 Standard
0 €/month
International MasterCard card with systematic authorization
✔️ No income condition
✔️ Free card in e-card version
✔️ 3 free retreats in Euro
✔️ Free payments all over the world
Standard orange bank
0 €/month
International visa card with systematic authorization
✔️ No income condition
✔️ Free card
✔️ Discovered authorized
✔️ Insurance of payment means included
✔️ Innovative and efficient mobile application
✔️ Virtual advisor available 24 hours a day, 7 days a week
✔️ no intervention commission
Updated data September 2023
Hello Bank! : Take advantage of 180 € offered with Hello Prime and Hello One !
Here is the detail by offer:
- One: € 80 offered for any 1st account opening + € 100 in vouchers (for any bank mobility with Hello Start +)
- Premium: 80 € offered for all 1st account opening + € 100 in vouchers (for any bank mobility with Hello Start +) + € 1 per month for 6 months
Take advantage of this offer from August 17 to October 9, 2023
�� Top 3 online banks for travelers
THE Online banks are acclaimed by travelers thanks to their Low -prices offers and their reduced bank rates.
Fortuneo, Boursorama Banque or Hello Bank!, All offer free cards adapted to travel and a more premium range for those wishing to benefit from a Complete insurance cover for travel.
Top 3 best online banks offers to travel
Fosfo
0 €/month
Standard mastercard
✔️ No income condition
�� Withdrawal in euro zone:
✔️ Free and unlimited
�� Withdrawal outside the euro zone:
✔️ Free and unlimited
✈️ Payments abroad:
✔️ Free and unlimited
✔️ Standard mastercard insurance
Welcome
0 €/month
International visa card with systematic authorization
✔️ No income condition
�� Withdrawal in euro zone:
✔️ Free and unlimited
�� Withdrawal outside the euro zone:
1 free withdrawal per month
1.69% beyond
✈️ Payments abroad:
✔️ Free and unlimited
✔️ Visa Classic insurance
Hello One
0 €/month
International visa card with systematic authorization
✔️ No income condition
�� Withdrawal in euro zone:
�� Withdrawal outside the euro zone:
✈️ Payments abroad:
✔️ Free and unlimited
✔️ Visa Classic insurance
Updated data September 2023
Fortuneo: offers at no cost abroad
Fortuneo is one of the Best banks to travel With 3 offers of Bank card at no cost abroad.
Its entry -level offer Fosfo is free and without income conditions or costs abroad : we recommend it to people with reduced income as well as Actoint card for your trips.
Assidue travelers looking for premium insurance coverage, can opt for more premium fortuneo cards, always Free but under income conditions.
Note, however, that free Fortuneo cards is under conditions of use : It will therefore be necessary to continue to use it after your trip.
Boursorama Bank: 2 free credit card to travel
Boursorama Banque offers Two free bank card offers suitable for travelers. With Welcome and the Plus Premium Ultim card, travelers will be able to Pay around the world for free and make withdrawals at no cost.
We will more willingly opt for the Ultim card to benefit from a Visa Premier insurance cover, more deals with a currency included as well as Extended expenditure ceilings.
Note: free of the Boursorama Welcome or Ultim cards remains Under condition of use, An important detail if you wanted Subscribe a BOURSORAMA BANQUE OUR ONLY FOR A VOYER.
Hello Prime: the HELLO BANK offer! For travelers
Hello Bank!, BNP Paribas subsidiary offers an interesting offer for regular travelers. Thanks to its network of DAB BNP Paribas, Hello Bank! can benefit its customers from advantageous banking costs on withdrawals outside the euro zone.
In addition, hello one as hello prime customers benefit from Free payments all over the world.
Good news for travelers looking for a Card for occasional use : the Hello One card is Free without conditions of use.
�� Travel with a mobile bank: the best neobanc cards abroad
Top 3 best offers for mobile banking travelers
Revolut Standard
0 €/month
International MasterCard card with systematic authorization
✔️ No income condition
�� Removal outside or in the euro zone:
Until 200 €/month and 5 withdrawals/month at no cost
✈️ Payments abroad:
✔️ Free and unlimited
❌ No insurance coverage
N26 Standard
0 €/month
International MasterCard card with systematic authorization
✔️ No income condition
�� Withdrawal in euro zone:
Up to 3 free withdrawals per month
�� Withdrawal outside the euro zone:
1.70% of the amounts withdrawn
✈️ Payments abroad:
✔️ Free and unlimited
❌ No insurance coverage
Standard orange bank
0 €/month
International visa card with systematic authorization
✔️ No income condition
�� Withdrawal and payment in the euro zone:
�� Withdrawal and payment excluding euro zone:
✔️ Free and unlimited
❌ No insurance coverage
Updated data September 2023
Revolut: a free card to fly away
The Lithuanian neobank offers 4 revolut cards, all without income conditions. Its entry -level card, Revolut Standard, is free and included all free payments all over the world and some free retirements in currency or euro.
For some regular travelers, It will be necessary to go upmarket: with a Premium or Revolut Metal card, You can benefit from a Premium abroad insurance and free retreat abroad extended.
N26: a free card for your escapades abroad
N26 also offers you a Free card without income conditions, to slide in his suitcase. To the key, payments at no cost all over the world And some withdrawals in the euro zone.
Note: the Currency withdrawals are not included with standard N26. From then on, we favor Revolut Standard for its distant and N26 getaways for its Travel to Europe.
Orange Bank: the map of travel families
The young French outlet orange bank has everything to please the globetrotteur tribes. Indeed, with his Bundle offer for the whole family, Orange Bank gives you a premium service, for you and your children and Withdrawals and payments at no cost around the world.
Orange Bank also offers a Free card, at no cost in the euro zone : practice for the youngest and students.
�� Choose your bank card for traveling: our advice
Bank costs abroad: what to pay attention ?
The use of Bank card during a trip abroad of several weeks is inevitable. The cash on board from France is not enough over time.
- The costs to pay attention to travel
- Commissions on withdrawals to automatic banking distributors (DAB), especially in currency,
- Commissions on payment by bank card such as the purchasing regulations in store or the place of accommodation (percentage or fixed).
THE online banks and neobancs are generally cheaper that traditional banks are confirmed when traveling with fees abroad much more lenient.
It remains advantageous to go through a traditional bank when it hasPhysical agency abroad, Like HSBC. In the event of a problem abroad, you can have an interlocutor on site.
Become HSBC customer: make the choice of a heritage bank to accompany you
HSBC is The multi -reacked bank to help you in your financial strategy : with a wide range of banking products and one Personal advisor by your side, HSBC offers a Attractive current account offer , thought for all premium needs and with products Efficient investment products.
Fancy an expert bank with you mobilized to carry out your projects and build your wealth ? HSBC has recognized expertise and a wide range of financial products to support you in all your projects:
- Finance your projects in the best conditions : mortgage and personal loan
- Save and develop your wealth : Life insurance, more than 10 savings booklets, experts in wealth management councilors
- Invest in stock markets thanks to a wide range of financial investments to recognized expertise
- Adapt to all moments of life : Manage your accounts on a daily basis thanks to a secure mobile application among the best rated on the market.
Transactions in free euro zone since the entry into force of the European Union regulation on cross -border payments (July 2002), payments and withdrawals made in the euro zone costs the same price as in the country of residence. Banks cannot apply No additional costs.
A mobile bank for a extra foreign use
Neobancs have a Attractive offer for connected travelers. To be competitive compared to online banks, some completely remove the costs on foreign exchange payments and are content to apply a Commission on withdrawals. Others go even further by invoicing neither the payments nor the withdrawals in currencies.
Express opening, Quick reception of the card, Absence of income conditions and often of deposit condition, everything is designed to allow you to quickly take out a neobanque offer, before your departure.
Without discovered banks Good to know : digital banks are payment establishments. If their offer turns out Without income or deposit condition, They cannot, for example, authorize a banking overdraft.
Which bank to choose for an extended trip ?
For go abroad In all serenity, it is recommended to have two bank accounts, one that can help the other in case of problems.
This is the case if the traveler inadvertently exceeds his withdrawal or payment ceiling, or if he is stolen from one of these bank cards. In addition, the traveler benefits from advantageous online banks while retaining its main account in its reference bank.
A bank card also includes precious insurance and assistance guarantees in the event of incidents during a trip (accidents, delays, flights, diseases, etc.)). It is important to compare the offer of banks in terms of high -end cards whose guarantees are much larger.
- Bank for traveling: the globetrotter checklist
- Compare them commissions on foreign currencies
- Adjust them Payment and withdrawal ceilings Before your departure so as not to find yourself in a blockage situation
- Consult Bank card insurance and provide additional travel insurance for a long -term stay
- If you are customers of a traditional bank, prevent your banker from your departure To avoid any unexpected blocking of your card
- Consult the Network of physical establishments of which your bank has in your host country.