English version Credit Agricole morbihan




Opening a French bank account
Simplifying your life in France with our services
Free On Line Banking
Crediting funds and transferring funds abroad
Financing your French property
Protecting your family, home and vehicle
Savings accounts
Glossary of terms
Contact us

Opening a french bank account, it's simple


Obtain cash and make payments in and outside of France with a Eurocard mastercard
Pay your French property utility bills

All you need to open a bank account in France if you are a non resident* is :
- a photocopy of passport
- a photocopy of your income tax or wage statement
- a photocopy of your last two months bank statements, or a bank reference

contact us for further information

* non resident : You live outside France, you pay taxes abroad andyou travel to France from time to time, on vacation or business

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Simplifiyng your life in France with our services


The "Compte Service" is a contract offering several services :
- Sécuricompte vol : insurance system in case of loss/theft of your credit/debit card, cheques book
- Overdraft at a lower rate for those special unaccounted purchases
- Managing your account : Any sum witch exceeds a agree amount is automatically transferred to a savings account.


Free On Line Banking


24 h banking with Internet
To access CA Internet Banking, log on to : http://www.ca-morbihan.fr
In order to apply, you must be an existing Crédit Agricole du Morbihan customer.
Use your personal code to access your accounts.


- How Internet Banking works :




- View balances and statements : With this on line service you can freely check your French
bank account, or credit card 24 hours a day, 7 days a week. You can view your statement and



- Transfer Funds on line : You can transfer funds online between any of your own accounts.





On line banking with " Agence en ligne" at 33 2 97 46 01 27 ,
from Monday to Saturday

The " Agence en ligne" is a telephone banking service available to all of our customers.
This service offers customers the flexibility to conduct their banking transactions over the phone.


Our debit/credit Cards


We offer a wide range of cards for all members of the family.
For each of them, you will be issued a confidential PIN code.
Please note that these cards are not credit cards with a credit limit.


Credit Card
The French credit card Eurocard MasterCard is very useful : it is secure and easy to use to withdraw money or to shop, as 800,000 French merchants accept credit cards.
MasterCard is accepted by most French merchants : in hotels, restaurants, service stations, AutoRoute toll booths, parking lots, small shops and super-markets.


With a French Eurocard you can withdraw money without paying additional fees (you will have a surcharge for withdrawals made in France with a foreign creditcard).


Surcharging on credit card purchases is prohibited in France.
Furthermore, many French merchants will prefer that you pay with a credit card rather than with a cheque. It is easier for you and it is free : It works like a cheque if you choose immediate debit payment : You are debited immediately and there are no fees.
The shopkeeper is sure to be paid, it is easy for you, plus the name of the shop appears on your statement account.
Please note that non-residents can not benefit from insurance and medical assistance which is included with the French Eurocard Mastercard.

Get more information about the Eurocard credit card


Crediting funds and transferring funds abroad


Crediting and transferring funds abroad


You need to receive funds from abroad ? to credit your Credit Agricole du Morbihan account.
The transfer will be automatically processed if you give to the principal :
Your IBAN code ( International Banking Account Number), which is mentionned in your cheque book :


IBAN Bank Counter Account Key
Code Code Code Number
FR 76 16006 36011 12345678010 99


Our SWIFT code either called BIC (Bank Identifier Code) : AGRIFRPP860

Do you need to cash cheques ?
Time can be saved if you check beforehand that the following mandatory information is provided:
- you have signed the back of the cheque (endorsement)
- the date and city are duly completed
- the cheque has been signed by the issuer


Useful Tips :
Please check that the amount in letters corresponds to the amount in figures.
Please ensure that the cheque is completed in the current currency (sterling pounds cheque to detail sterling amount and not euro amount)


Transferring funds abroad
Do you need to send funds abroad ?
Please contact your local branch of Credit Agricole and give them with the following instructions :
- your account number
- the amount and currency
- the beneficiary's bank and its SWIFT code (our own being AGRIFRPP860)
- the beneficiary's name


IBAN Bank Counter Account Key
Code Code Code Number
FR 76 16006 36011 12345678010 99


N.B : For USA we ask for Fed Wire (FW) or ABA

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Financing your french property


Whether purchasing property in France, renovating your French property, or building, we offer a full mortgage service with information and an application form in English.

With Crédit Agricole du Morbihan, you can discuss any matter concerning the purchase of your property as well as your mortgage.

For example, we can finance up to 100% of the property investments (purchase price and renovations) over a maximum of 25 years.

There is a choice of fixed and variable interest rates. To obtain a mortgage, your total monthly drafts (existing loans + any rent paid + the new French loan) should not exceed 1/3 of your net monthly income.

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Protecting your family, home and vehicle


Crédit Agricole du Morbihan, through its insurance dedicated subsidiary "Assurance Dommage", will offer you comprehensive and attractive insurance conditions for :


French properties
We provide coverage for your main and/or secondary house but also for rented properties.
You can benefit from a “broken for new” condition for both your main and your secondary home. This is a unique French insurance policy; as most insurance policies offer remplacement on an age ("wear and tear") basis.


Your car
You can choose from any of the packages specially developed to fit your needs : comprehensive, all-in and third party insurance.
You must provide a written declaration (in French) from your insurance company.


We also offer health and life insurances

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Savings accounts


Many possibilities are available.However, some investments are only possible if you are a permanent French resident.


Savings "when you feel like it" : Compte Sur Livret, Codevi, Livret d’Epargne Populaire, Carré jaune

Getting a quarterly or a yearly income from your savings : Carré Vert, Obligations (Bonds)

Scheduled savings : Carré mauve, Confluence

Secured savings : Carré Bleu

Diversifying your investments by buying shares at the stock exchange : PEA, PEB

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Glossary of terms


To open an account: Ouvrir un compte
Bank identity record : RIB
International Bank Account Number : IBAN
Bank statement: Un relevé de compte
Bankers’draft: Chèque de banque
Cash : Argent liquide / espèces
Cash dispenser: Distributeur automatique de billets
Cheque book: Un chéquier
Cheque: Chèque
Coins: Des pièces
Council Tax: Taxe d’habitation
Credit card: Carte de crédit/ carte de paiement
Credit your account: Approvisionnervotre compte
Currency: Devise / monnaie
deposit: Un dépôt
Expiry date: Date d’échéance
To stop a payment : Faire opposition
Fees: Frais
Guarantee: Une caution
Investment: Placement
Loan:Un prêt
Mortgage: Une hypothèque
Overdraft: Un découvert
Pay slip / salary advice / Wage : Un bulletin de salaire
Payment order / transfer / standing order: Un virement / transfert
PIN number: Un code confidentiel
Power of attorney: Procuration
Share: Une action
Tax return: Feuille d’impôts
Income tax : Impôts sur le revenu
Term and invalidity insurance: Assurance Décès Invalidité ( ADI )
The balance: Le solde
The exchange rate: Le taux de change
To be in the red , to be overdrawn : Avoir un compte débiteur
To effect international transactions: Effectuer des opérations internationales
To withdraw cash: Retirer du liquide / de l’argent
Valid: Valable
Telephone banking service to receive balance of accounts : Fil vert
Solde : Balance
Endosser (un chèque) : Sign (the reverse of a cheque to be credited to your account)

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Contact us


Phone In France : 02 97 46 01 27
From England : 33 2 97 46 01 27

By mail : contact@ca-morbihan.fr

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