Welcome to Crédit Agricole of Morbihan
Day to day banking
Opening a french bank account, it's simple
You can use your cheque book throughout France and withdraw cash and make payments in France and abroad with a Eurocard Mastercard. It is also possibile to arrange for automatic payment of your french utiily bills.
Our debit/credit Cards
We offer a wide range of cards, each with a confidential PIN code. Please note that these cards are not credit cards with a credit limit.
Making your life easier in France with our services
The "Compte Service" is a package offering several necessary services :
- insurance in case of loss or theft of your credit/debit card, and /or cheque books.
- Free On Line Banking.
- Overdraft at a lower rate for those special unaccounted purchases
- Managing your account : any sum wich exceeds an agreed amount is automatically transferred to a saving account.
Loans and Mortgages
Financing your projects and your french property.
Whether purchasing a property in France, renovating your French property or building a property, 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 instance, we will 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 payments (existing loans + any rent paid + the new French loan) should not exceed 1/3 of your net monthly income.
Many possibilities are at your disposal. However, some investments are only possible if you are a permanent French resident.
- Savings with instant access
- Getting a quarterly or a yearly income from your savings;
- Scheduled savings;
- Secured saving;
- Diversifying your investments -buying shares on the stock exchange.
Protecting your family, home and car
We provide coverage for your main and secondary house, as well as 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 ; goods are more often insured on a wear and tear basis.
You can choose from any of the packages specially develloped to fit your needs : comprehensive, "all-in" and third party insurance. You must provide a written declaration (in french) from your current insurance company.
Crédit Agricole also offers a variety of other insurance policies such as : heallth and life insurance, legal protection and personal injury insurance.