Remote bank

✔️ The V Pay card

Our opinion and full test of the SG Bank (Société Générale) and its online account Sobrio 2023

Presentation of the SG (Société Générale) bank

Founded in the 19th century, Société Générale is one of the oldest banks in France. With the arrival of online banks and Neobanques (mobile banks), the SG is considered a so -called traditional bank.

In 2020, Société Générale has just over 2,200 banking agencies in France and has more than 25 million customers.

In 2 centuries, the Retail Bank SG has changed its offer, in particular on the transition from digital and online banking with its Sobrio offer. This online offer for individuals of the Physical Bank Société Générale must have reinvented themselves in particular since the health crisis and the confinement which risks becoming commonplace.

With Sobrio, the SG offers a 100% online bank account allowing you to manage all your banking operations from any medium whether it is a computer, a tablet or a smartphone.

It is because this French bank has been renewed with a completely online offer that we offer a full guide and opinion with a deep analysis of the Société Générale Sobrio offer and thus give you objectively the advantages and Disadvantages before opening a Sobrio bank account. Without further ado, discover our opinion & full test carried out by our experts !

✅ Advantages of subscribing to the Sobrio bank account

• �� Up to € 80 offered for the opening of a bank account with Sobrio + Sobrio has € 1 per month for 12 months.
• 0 € of costs account holding
• A bank for all (low incomes to the frame)
• Choice of cards network: 3 types of visa cards and 3 types of mastercard cards available
• Network of more than 2,200 agencies and dedicated customer service
• A know-how of more than 100 years
• Possibility of unlimited withdrawals in all automatic distributors (including competing banks)
• Mobile payments with bank cards and compatibility with Paylib & Apple Pay
• A mobile app complete with the excellent notes of 4.7/5 on the App Store and 4.6/5 On Google Play according to customer reviews on the Société Générale online account

❎ Disadvantages of subscribing to the Société Générale online offer

• Some paid options
• A paid but free bank card for minors aged 15 to 18
• Withdrawal costs on the entry -level card

Société Générale SOBRIO

• Prices : monthly contribution depending on the chosen bank card ranging from € 7.20 to € 14.90 (free subscription for minors aged 15 to 18).
• Card replacement: Free
• International option For unlimited payments, withdrawals and transfers from € 2 to 25 € depending on age and professional situation
• Withdrawal to all DABs of all banks: € 1.60 per month (included in the Visa Premier offer)
• Exemption of Agios: € 2 per month
• Dynamic crypto option : € 9.60 per year
• Rejection Department for lack of provision: € 20 per operation capped at € 200 per year
• Letter fee prior information for check without provision: € 15

�� Payment and withdrawal ceilings of Cards from Société Générale

✔️ The V Pay card

• The paid cap is over 30 slippery days in France and abroad for an amount of 15,300 €.
• The withdrawal of withdrawals is on 7 slippery days for an amount of 3,050 €.

✔️ Classic mastercard and classic visa

• The paid cap is over 30 slippery days in France and abroad for an amount of 15,300 €.
• The withdrawal of withdrawals is on 7 slippery days for an amount of € 3,500.

✔️ Mastercard Gold and Visa Premier

• The paid cap is over 30 slippery days in France and abroad for an amount of 137,300 €.
• The withdrawal of withdrawals is on 7 slippery days for an amount of € 6,100.

✔️ The infinite visa

• The paid cap is over 30 slippery days in France and abroad for an amount of € 300,000.
• The withdrawal of withdrawals is on 7 slippery days for an amount of € 15,000.

☑️ Opinion on Société Générale by Connectbanque experts

After a full test on the 100% online offer from Société Générale, we confirm that we give A positive opinion on the Groupe Sobrio offer. SG has adapted to the emergence of online banking and Banking digitalization while offering a local offer through its 2,200 agencies spread over France.

We love the fact that there is No account holding fees, with an evolutionary offer according to your needs (3 bank cards that can respond to all profiles), high -end insurance for travel or purchases (with a 2 -year manufacturer’s warranty by buying with your bank card) and therefore ideal for your online purchases.

Société Générale has been able to position itself in the face of offers from other online banks by offering to € 80 to new customers who open a bank account. And Sobrio has € 1 per month for 12 months.

According to our opinion, the Groupe Sobrio offer has all the advantages of a traditional bank but with Paid options (Dynamic crypto option, the international option, the unlimited DAB withdrawal package. ), to benefit from all the advantages that are still less expensive than if you subscribed to a traditional offer.

To conclude this notice, the Société Générale grouped grouped supply remains A good compromise if you want to change the bank for an online account while benefiting from the advantages of a local bank.

⭐ Customer opinions on Société Générale

Regarding, the customer opinions of Société Générale, we note that they are more than positive.

• A note from 4.7 out of 5 with 328,343 reviews on the AppStore;
• A note from 4 out of 5 with 173,868 reviews On Google Play.

Société Générale knows how to adapt to its consumers. You will have no account holding costs, the cards offered adapt to your budget. Finally, Société Générale offers € 80 to new customers following the opening of a bank account. These are the main reasons why the General Society is well noted.

Bank cards offered by Société Générale

Monthly contribution

Monthly contribution

Monthly contribution

Monthly contribution

1. Zoom and Opinion on the Société Générale Sobrio offer and insurance options
   1. International option
   2. Dynamic crypto option
   3. Unlimited DAB package
   4. Collection option
   5. Traveler option
   6. Tranquility option
   1. Loss and flight insurance
   2. Purchase guarantee insurance
   1. Sobrio reviews on Société Générale online credits
   2. Sobrio reviews on Société Générale Savings Savings Booklets
   3. SOBRIO SOBRIO INSTRUCTION Sociétoy Générale online insurance

   Zoom and Opinion on the Société Générale Sobrio offer and insurance options

   

   The Société Générale Bank offers a whole set of à la carte services allowing users to take out options according to their needs.

   Discover each option Below and find the one (s) capable of meeting your needs for bank accounts.

   International option

   This option is without obligation, so you can activate it and deactivate it at any time without additional additional costs. This adapts according to the age of the subscriber.

   • Students from 16 to 29 years old : (2 € euros per month without commitment)
     • Unlimited by card payments at no additional cost
     • Unlimited withdrawal with a distributor
     • International transfers, issued or received without commission
     • Initial level (€ 5 per month without commitment)
       • Up to 6 payments per card
       • 2 withdrawal with a free distributor
       • Unlimited payments by card
       • Unlimited withdrawals from a free distributor
       • Unlimited payments by card
       • Unlimited withdrawals from a free distributor
       • International transfers issued or received without commission
       • Initial level (8 € per month without commitment)
         • Up to 6 payments per card
         • 2 withdrawal with a free distributor
         • Unlimited payments by card
         • Unlimited withdrawals from a free distributor
         • Unlimited payments by card
         • Unlimited withdrawals from a free distributor
         • International transfers issued or received without commission
         • Initial level (10 € per month without commitment)
           • Up to 6 payments per card
           • 2 withdrawal with a free distributor
           • Unlimited payments by card
           • Unlimited withdrawals from a free distributor
           • Unlimited payments by card
           • Unlimited withdrawals from a free distributor
           • International transfers issued or received without commission

           Dynamic crypto option

           The dynamic crypto option at € 9.60 per year is € 0.80 per month is an innovative solution allowing individuals to protect themselves from bank fraud at a very high level, whether for your online purchases or during A flight of your bank card data.

           Unlimited DAB package

           For € 1.60 per month without obligation, this option allows you to have a quiet mind of withdrawals allowing you to withdraw from any automatic ticket distributor whatever the bank without you having additional costs.

           This package is already included in the first visa.

           Collection option

           Société Générale offers its customers a catalog of personalized card by theme: manga, sport, animals, shopping for fashionistas, associations, travel … It’s not just to personalize the design of its card as we can believe. The animal collection card for example, contains animal medical insurance, practical for animal owners.

           Traveler option

           This option is to be favored instead of the international option if you are a large traveler, since it costs only € 26.00 per year without the Sobrio grouped offer, and € 20.80 with the Grouped Sobrio offer. This option exempts costs on card withdrawals and payments outside the euro zone.

           Tranquility option

           This option makes it possible to connect the bank accounts that you have to competition on the Société Générale application. In this way, in the event of theft or loss, you can have the opposition of your cards. You can also record your documents and identity documents.

           Details and opinion on Sobrio insurance

           Société Générale’s Sobrio offer will allow you to have the guarantees of a traditional bank with the advantages of an online bank. For € 2 per month you will be entitled to strong guarantees through your bank card.

           Note that these insurances are already included in the first visa as well as travel insurance in the Visa Classic.

           Loss and flight insurance

           In the event of loss or theft of your payment means already well secured and that you are the victim of fraudulent use, you will be covered up to € 6,000 per sinister and per year.

           Purchase guarantee insurance

           As part of a purchase with your Sobrio payment method, you will benefit from an extension of your manufacturer’s warranty in the event of a breakdown of your electronic devices purchased new with compensation up to € 5,000 per year and per claim.

           Société Générale’s cashback offer

           With Société Générale, you can take advantage of a cash-back program that allows you to Combine money (in the form of reimbursements) on your purchases both online but also in stores at more than 800 brands such as: Monoprix, Sixt, Alain Afflelou, Maison du Monde.

           This cash back program is completely free and allows up to 20% reimbursement on your online or store purchases.

           Opinion on banking products and services associated with Société Générale online banking: SOBRIO

           Sobrio is the online banking offer from Société Générale bank, which allows you to benefit from all SG’s banking products and services as their loan solutions (mortgage, personal loan. ) At attractive rates, savings products such as booklets, life insurance.

           Without waiting to have an online advisor, you can make simulations on all the services offered by the Société Générale bank in a simple and intuitive way.

           Sobrio reviews on Société Générale online credits

           There is no point in reminding you that the Société Générale bank is also a credit institution. Opening a Sobrio bank account allows you to have access to a large offer in terms of loan whether for a mortgage or consumer credit for your personal projects such as work, the purchase of A car, finance your studies, etc … The subscription is done online with a simple to use simulator proposed by Société Générale where you receive an immediate response in principle. The rates offered are much more attractive than when you travel to an agency with a fixed TAEG (overall effective annual rate) from 0.5%.

           In order to avoid any problem, we remind you of the following sentence: “A credit commits you and must be reimbursed. It is important to check your reimbursement capacities before committing to you “.

           Sobrio reviews on Société Générale Savings Savings Booklets

           To date, when you open a Société Générale Sobrio online account, You have access to a wide choice of savings book as if you were in a traditional bank.

           So you enter:

           • 3 regulated savings booklets: Booklet A, LDDS (Sustainable and Solidarity Development Booklet) and the LEP (Popular Savings Booklet), these booklets are tax exempt.
           • 3 Ceiling -free savings booklets: the CSL (Livret account), Savings Plus Société Générale booklet and the BFM future booklet reserved for public sector agents.
           • The young booklet whose ceiling is 1,600 euros and paid 0.5% net. You can also open a book to your child.

           SOBRIO SOBRIO INSTRUCTION Sociétoy Générale online insurance

           First of all, from a general point of view, we can say that life insurance has become one of the favorite savings products of the French. With PEA, life insurance represents almost 70% of financial savings in France.

           To start our opinion on Société Générale life insurance, we can tell you that opening a SOBRIO online account gives you the opportunity to subscribe to Société Générale Générale Insurance. We remind you that this savings product is a long -term investment (minimum 8 years) and that it is generally used to meet your heritage needs such as the purchase of a main residence, transmission of heritage to your spouse or child or to save in order to carry out a medium, long -term project.

           You cannot subscribe to online life insurance, you must make an appointment with an advisor in a Société Générale agency according to your city or region of residence so that it can analyze your objectives and thus advise you On the best supports of supports. Surely the reason why payment or arbitration fees are not free. However, they are low and decreasing depending on the level of your investment. If for this type of type of placement, you prefer to do everything online we recommend that you take a look at our comparison of online life insurance to have a low cost. If, on the contrary, you want to have an advisor to reassure you because this savings product has a risk of capital loss, then discover below the advantages, prices and costs of the Essential Establishment Insurance of Société Générale: (For information, you have access to 2 other sequoia and Ebène life insurance contracts).

           • Accessible in free payment from € 50 or scheduled payments at only € 25 per month.
           • Possibility to suspend & take up your payments according to your situation.
           • Payment costs: 3% for payments below € 1,500 and 2.5% for payments above € 1,500
           • Management costs: 0.08 % per month for capital of less than € 75,000, 0.06 % per month for capital between € 75,000 and € 150,000 and 0.04 % per month for capital beyond € 150,000
           • Arbitration fees: 0.50 % of the arbitrated sums however there is a ceiling of € 75 maximum per operation
           • 2 types of management

           The state guaranteed by the State with Société Générale

           The state guaranteed student loan has been set up by the government to help young people under 28 years old who have no guarantor or means to finance their studies. To benefit from it, it is necessary to be of French nationality or national of a country of the European Union.

           This loan is subject to an in -depth study with the bank. You will need to justify your student status, your nationality or your membership of an EU member country. Like the consumer loan, the student loan guaranteed by the State can be reimbursed in total or partial delayed. The envelope allocated by bank being limited, the files are carefully studied by the banks.

           Société Générale Kapsul offer

           Kapsul is a 100 % online offer, intended for autonomous customers, who do not particularly need to be supported by an agency advisor. The contribution is € 2 per month and includes:

           • The opening, holding and closing of the Kapsul account (without overdraft)
           • Subscription to remote banking services (Internet, telephone, SMS)
           • Membership in the e-document service (free)
           • A CB Visa Kapsul (International payment card with immediate debit and systematic authorization)
           • Mobile payment (Apple Pay and Paylib)
           • A checkbook (on request)

           �� How to open a Société Générale online bank account ?

           First of all, to open a private Société Générale online account, you must be of age (18 years old). We insist that this online account can only act for individuals, if you want to use an account for your freelance, self-employed, micro-enterprise activity, etc. We advise you to discover our Comparison of independent accounts.

           �� Right now, there is an offer for new customers: up to € 80 offered For any account opening with Sobrio (without forgetting the 0 € account holding costs). + Sobrio has € 1 per month for 12 months.

           To open an SG line bank account, you must:

           • Being French tax resident
           • Domiciled in France and not be a tax resident in the United States
           • In the event that you are hosted by a third party, you must be under 26 or you are hosted by a parent or a loved one or that you are hosted by your employer or an administration and have a signed accommodation certificate.

           Then the subscription to the Société Générale online bank account lasts only a few minutes in:

           • Filling in the form with your civil status, your address as well as your contact details.
           • Selecting the account and type of bank card you want (visa or mastercard)
           • Providing your supporting documents:
             • Valid identity document
             • Proof of address
             • Accommodation certificate in case you are hosted

             Remote bank

             

             

             To continue accessing your online accounts, we invite you to use your new remote bank exclusively for your online banking operations.

             • Via your Customer Area To manage your accounts by internet:

             

             • Via your hasmobile SG New Caledonia, Downloadable on your devices iOS and Android ::

             

             Need help ?

             Find all the help supports: HERE

             Your privileged advisor remains at your disposal to support you in these steps as well as our sgcall at 36.70.00*

             Terms and conditions

             Find the general conditions, by clicking here.

             IN DETAIL

             Beneficiary

             Anyone client privately, aged at least 12 years old*.

             *Some accounts may be subject to specific operating methods and restricted access to the service.

             Services

             Access your accounts in the blink of an eye

             • Consult the balances of your accounts as well as their movements
               • Visualize your operations in progress and to come during the day

               Watch your cards at any time

               • Visualize your cards as well as their operations for better management of your expenses
               • Create your visa security code

               Make your transfers

               • Manage and plan your transfers 24/7 (locally and internationally)
               • Validate your beneficiaries live

               Consult your credits in one click

               • Access all of your credits

               Optimize your interface

               • With the personalization of shortcuts

               New features for more comfort and autonomy

               • Sending temporary passwords by SMS, failing the paper letters
               • RIB sharing: you have the possibility of sharing your RIB by email directly from your remote bank
               • The choice of the checkbook for issuing a checkbook and the consultation at any time of the order of the order

               Benefit from enhanced security

               • For the management of your daily operations
               • As part of the double strong authentication for online payments

               Use

               Smartphones compatibility:

               • IOS terminals (iPhone 5s and higher, iPod touch 6 and higher) version 11 and higher

               Tactile tablets compatibility:

               • IOS terminals (Apple iPad 5 and higher, iPad mini 2 and higher, iPad air/pro 1 and higher) version 11 and higher
               • Terminals must have an Internet connection (3G, 4G or WiFi).

               Need help ?

               Find all the help supports HERE

               Your privileged advisor remains at your disposal to support you in these steps as well as our sgcall at 36.70.00*

               You have not yet subscribed to a remote bank solution ? Ask your agency advisor.

               We wish you a great discovery !

               *Operator cost: 144 F CFP / Call then 12 F CFP HT 30 seconds. Advisers answer you from Monday to Friday.
               For a complaint or the proper execution of your contracts, please contact your agency (call not surcharged).