When I first moved to Paris, opening a bank account felt more like a rite of passage than a simple task. It was confusing, bureaucratic, and—let’s be honest—a bit overwhelming.
But thankfully, things have improved. Here’s what you need to know if you’re planning to open an account in France today.
1. Traditional Banks Still Exist (And Still Need Paperwork)
If you choose a traditional French bank like BNP Paribas, Société Générale, or Crédit Agricole, be prepared for paperwork.
What they usually ask for:
- Valid passport or national ID
- Proof of residence in France (such as a rental contract or utility bill)
- Visa or residence permit (for non-EU residents)
- Sometimes a tax identification number (TIN) from your home country
- Letter of guarantee or employment contract in some cases
When I first arrived, I didn’t have a permanent address yet — and that was a problem. Some banks even asked me to bring a French “guarantor” to co-sign.
2. Without a Home Address? It’s Still Complicated
If you’re staying in a hotel or temporary housing, many traditional banks won’t open an account for you.
Some may accept an attestation d’hébergement (a signed letter from a host along with their utility bill),
but this depends on the branch — and the person helping you.
3. Online Banks Have Made Things Easier
Thankfully, online banking has changed the game for foreigners.
Popular digital banks in France include:
- N26 – German-based, English-friendly, easy mobile setup
- Revolut – Great for currency exchange, fast online KYC
- Hello bank! – Backed by BNP Paribas
- Monabanq, Boursorama, and others
Why I recommend digital banks:
- No need to visit a branch
- Often accept rental contracts or hotel bookings as address proof
- Customer service usually available in English
- Faster setup — sometimes in 1–2 days
4. Tips Before You Start
- If possible, get a translated utility bill or proof of address ahead of time
- Some online banks still require a French mobile number for SMS verification
- Don’t be afraid to try multiple banks — what one rejects, another may accept
- If you’re a student, look for youth account packages with fee discounts
Opening a bank account in Paris used to feel like a test of patience. But now, with digital options and a bit of preparation, it’s much more manageable. Just don’t forget: in France, paper still matters — even if it’s a PDF.