The various methods of payment used in France
Cheque
This enables you to pay for your purchases.
Make sure you have sufficient funds in your account to cover all outstanding cheques.
Otherwise the bank might refuse payment and your banking privileges could be suspended.
 |
 |
Amount written out in full |
 |
Amount in figures |
 |
Name of payee |
 |
Place |
 |
Date |
 |
Signature |
|
Interbank Payment Order
(Titre Interbancaire de Paiement or T.I.P.)
This is a payment order authorising a withdrawal from your account,
corresponding to the amount of your bill. Detach it, date, sign,
and return it to the address indicated on the T.I.P. (accompanied,
the first time, by a R.I.B. document - Relevé d'Identité Bancaire
= statement of bank details).
Do not send a cheque!
Banker's Cards
In France, several types of cards are in use.
You will receive a personal identification number (PIN code) for each one,
which must be memorised (confidential information).
The most widely used cards are:
The withdrawal card (carte de retrait)
This enables you to make cash withdrawals from a Crédit Mutuel cash
dispenser (ATM), in French, Guichet Automatic de Banque or GAB, 24
hours a day.
You can also carry out the following operations at these ATMs:
- Transfer money to a savings account
- Find out balance or your account and details of your most
recent operations
- Obtain a R.I.B. (see above)
The withdrawal and payment card (carte de retrait and paiement)
As in the United Kingdom, this enables you to :
- Withdraw money and pay for your purchases worldwide
- Benefit from repatriation assistance and arrange for certain
medical expenses to be paid
|
 |
 |
Moneo
Moneo is an electronic wallet used in France, which provides a
straightforward method of paying for minor items of everyday expenditure.
It avoids the inconvenience of carrying small change: no need to have a
wallet full of coins, keep taking cash out or handling change, etc.
You can use it in many small shops, e.g. bakeries, bars, newsagents,
chemists, etc. It is easy to spot and the establishments that take it, as
they display a prominent sticker in their window and at the cash desk.
To find out more about this service, please ask your branch.
Which way of saving suits you?
The following savings products are available to permanent residents in
France. If you wish to:
What type of plan is right for you?
A consumer loan
If you wish to borrow money for a particular consumer goods purchase,
- documentary evidence is required
A mortgage loan
If you wish to purchase a house, flat or holiday home, or have property
built or works carried out on your behalf:
Crédit Mutuel offers mortgage loans covering all kinds of homes, as
well as regulated loans.
- You will be asked to provide a copy of the
provisional sale agreement (compromis de vente) and any other proof
required.
Insurance
If you wish to take out insurance covering:
- your house in France against fire, storm or flood damage, etc.
- your car in France
Or you wish to acquire:
- civil liability insurance,
- health insurance
Crédit Mutuel, with its associate company ACM, offers a wide range of
insurance policies.
Crédit Mutuel Protection Vol
("Home Security Service")
This Crédit Mutuel service enables you to protect your home against
intruders. If a break-in occurs, a siren will sound and the alarm will
immediately be raised at a security centre, which will dispatch a guard to
your house.
Would you like to open a bank account in France?
What documentation is needed?
- a valid passport
- proof of residence (e.g. an electricity or water
bill covering your home in France or the deeds of title to the property in
France).
What types of accounts are available?
- choose between and ordinary account or a joint account for two
people,
- you can also give power of attorney to a person of your choice,
authorising them to undertake operations on your account, on your behalf,
- your account can be opened as a Eurocompte, which provides services.
Bank charges will be applied in proportion to the services selected.
For information or advice, please:
What to do if you lose your banker's card or cheque book:
Telephone the Account Control Centre (Centre d'Opposition), which will
stop them being used:
- in France : 02 98 28 42 28
- from abroad : 33 2
98 28 42 28 Declare this loss to the police or gendarmerie, confirm these
instructions to stop the card or cheque book to your own Crédit Mutuel
branch.
CMO Direct
To manage your accounts remotely or make transfers, you can contact us
in whatever way you like:
One access
code covers all services.
CMO Direct guarantees security and
confidentiality.
Please ask your branch for details.
(1) Calls cost 0.118 €/minute including VAT (2) Call costs depend on
your telephone service-provider (3) Call costs depend on your Internet
service-provider (4) Minitel calls cost 0.152 €/minute including VAT (5)
0.35 € per message + price of an SMS
^Copyright © Crédit Mutuel 2005 All Rights Reserved
Page design Copyright © 2005 AngloINFO
Limited. All Rights Reserved
|
