How to Open a Bank Account in France? – 2025 Guide
How to Open a Bank Account in France? – 2025 Guide 💳
Opening a bank account is one of the most important steps for anyone planning to live, work, or study in France. Thanks to France’s reliable banking system, financial transactions are generally fast and secure. In this guide, you’ll find a step-by-step overview of how to open a bank account in France, along with alternative options. ✨
Why Do You Need a Bank Account in France?
In France, many everyday transactions require a bank account, such as:
Rent payments 🏠
Salary or scholarship payments 💰
Utility and subscription payments (electricity, internet, water, mobile phone) 📶
Tax and social security procedures
Especially for students and newly relocated residents, having a bank account makes daily life much easier.
🏦 What Types of Banks Can You Choose in France?
When choosing a bank in France, there are three main options depending on your needs:
Traditional Banks
Banks with physical branches, such as BNP Paribas, Société Générale, and Crédit Agricole.
Advantages:
In-person customer service
Wide ATM network
Financial advisory services
Digital / Online Banks
Banks that operate entirely online, such as N26 and Revolut.
Advantages:
Fast application process and lower fees
Easy-to-use mobile apps
Flexible verification for newcomers
Immigrant- and International-Friendly Banks
Some digital banks like N26, as well as certain large traditional banks, are popular among people who have recently moved to France.
📄 Documents Required to Open a Bank Account in France
Most banks request similar documents. As of 2025, the commonly required documents include:
Passport or national ID
Proof of address (utility bill or rental agreement)
Numéro de sécurité sociale (French social security number – required by some banks)
Proof of income or employment (may be requested by certain banks)
Student certificate (for students)
Online banks often allow you to open an account using only a passport and video verification.
🛠️ Step-by-Step Process to Open a Bank Account in France
Choose a bank – Select the bank and account type that best suit your needs.
Submit your application – Apply online or at a branch.
Identity verification – Complete verification in-branch or via video call.
Address verification – Your card and account details are sent to your registered address.
Account activation – Start using online banking once you receive your card.
Things to Know Before Opening a Bank Account in France
Some banks may ask for a credit history or references from new arrivals.
Online banks usually require fewer documents and offer faster approval.
Account maintenance fees vary by bank; some offer free accounts.
In most cases, you must be physically present in France to open a bank account (with some international bank exceptions).
🚀 Sending Money to France Without a Bank Account – kuikpara
Opening a bank account is not mandatory to send money to France. With kuikpara, you can:
Send money to France for free without a bank account.
Benefits:
Fast and secure transfers
Low-cost and transparent fees
Real-time transfer tracking ✅
You can send money quickly, securely, and free of charge from Turkey to your loved ones or business partners in France.
📲 How to Use kuikpara?
Download the app 📱
Download the kuikpara app from the App Store or Google Play (iOS & Android).Create an account ✍️
Sign up quickly by entering your basic information.Verify your identity ✅
Complete the identity verification process for secure transactions.Top up your wallet and send money 💸
Instantly send free transfers to a person, card, or bank account.
Frequently Asked Questions (FAQ) ❓
How long does it take to open a bank account in France?
With online banks, it usually takes 10–20 minutes. With traditional banks, it may take 1–3 business days.
Can I open a bank account before moving to France?
Traditional banks usually do not allow this, but online banks may be more flexible.
Do I need a bank account to send money from Turkey to France?
No. With kuikpara, you can make fast and secure transfers without a bank account.