Opening a bank account in France as a non-resident can feel complicated, especially for UK expats and any foreign national who no longer has an EU address. Yet having a French bank account is often essential for everyday life, whether you own property, plan to relocate, or simply wish to manage euro income efficiently. Moving to a new country brings its own set of banking hurdles, and France is a popular destination for expats and property buyers.
This guide explains how non-residents can open a French bank account, which banks are most welcoming to foreigners, and what happens if you leave France but wish to keep your account active. For example, you may need a French account to pay a local utility bill or to receive euro income from a French employer.
Introduction to Banking in France
France boasts a robust and diverse banking sector, offering a wide array of banking services to both residents and non-residents. Whether you’re looking to open a bank account for everyday transactions or to manage savings, French banks provide options to suit every need. Traditional banks, online banks, and innovative neobanks all operate in France, giving customers flexibility in how they manage their finances.
For those new to the French banking system, it’s important to understand the main types of accounts available. The most common is the current account (compte courant), which is used for daily banking activities such as receiving income, making payments, and cash withdrawals. Savings accounts (Livret) are also popular, offering a secure way to grow your funds with higher interest rates than current accounts.
Non-residents are welcome to open a French bank account, known as a non-resident bank account (compte non-résident). These accounts allow individuals who live outside France to access essential banking services, including debit cards, online banking, and the ability to transfer funds. With a French bank account, managing your finances in France becomes straightforward, whether you’re paying bills, sending money, or simply keeping your savings secure.
Can a Non-Resident Open a Bank Account in France?
Yes, non-residents can open a bank account in France. However, the process and type of account available depend on whether you are an EU or non-EU citizen, and whether you plan to live or just maintain assets in France.
A non-resident account (compte non-résident) is specifically designed for individuals who live outside France but have financial interests there. These accounts are fully legal under French banking regulations and can hold euros or other currencies.
For UK expats, this type of account is ideal if you:
- Own a holiday home or rental property in France
- Receive pension payments or investment income in euros
- Spend part of the year in France but remain UK-tax resident
- Want to pay French utilities, taxes, or insurance without conversion fees
The account opening process can be straightforward, but be aware that many documents may be required as part of the application.
Most banks in France now offer remote or hybrid onboarding options, allowing you to open an account without being physically present in France. Remote onboarding is increasingly common, and you can also consider using an online bank. Opening a French bank account online is possible for non-residents, with several digital banks catering to international customers.
Which Bank is Best for Non-Residents in France?
While almost every French bank offers accounts, some are far more non-resident friendly. Only a small number of banks, such as BNP Paribas and Crédit Agricole, accept applications from certain nationalities like Americans due to regulatory restrictions.
When choosing a bank, consider the following:
- Whether it is a traditional bank or a digital provider, as traditional banks may require in-person visits and stricter documentation.
- If the bank’s website is available in English, which is helpful for international clients.
- The ability to get paid into the account, such as receiving your salary or rental income.
- The monthly fee structure, as non-resident accounts may have higher maintenance costs or, in some cases, no monthly fee.
- Whether a rental contract is required as proof of address, or if other documents are accepted.
- If there are special offers or accounts for young people, such as students or those aged 18-30.
Digital providers like Revolut and Wise are not traditional banks or banking institutions; they offer digital banking services without a full banking license. These platforms provide features such as a multi currency account and flexible payment method options, making them attractive for managing funds across different currencies and facilitating international transactions.
1. Crédit Agricole Britline
Specifically created for UK customers, Britline allows you to open and manage your account entirely in English. You can apply online using a UK address and passport, making it one of the easiest options for British expats and property owners.
2. BNP Paribas International
BNP Paribas has an “International Clients” division aimed at foreigners who live, work, or invest in France. They offer English-language support and remote account opening.
3. CCF (previously HSBC France)
For clients already banking with HSBC UK, transferring or linking to CCF can be seamless. International Premier clients benefit from cross-border account management and multi-currency access.
4. Revolut and Wise (formerly TransferWise)
Although not traditional French banks, both platforms offer euro IBAN accounts, SEPA transfers, and local card use. These can be good alternatives for short-term or low-activity use.
When choosing the best bank, consider:
- Whether the bank allows non-resident applications
- English-language support and customer service
- Fees for international transfers or card use abroad
- Online access and mobile banking
- Tax reporting transparency (especially for UK tax compliance)
Bank Account Options for Non-Residents
Non-residents have a variety of choices when it comes to opening a bank account in France. Traditional banks such as BNP Paribas and Crédit Agricole are well-established and offer non-resident bank accounts with a range of features. These banks typically provide comprehensive banking services, including access to physical branches, dedicated advisors, and a wide selection of debit cards. However, they may require a minimum deposit and charge monthly fees, which can vary depending on the type of account and services selected.
For those who prefer a more digital approach, online banks like Monabanq and BoursoBank offer the convenience of opening a bank account online, often with lower fees and flexible account management. These online banks are popular among non-residents who value easy access to their accounts and efficient online banking services.
Neobanks such as N26 and Revolut provide even more streamlined options, focusing on essential banking services with minimal restrictions. These banks are ideal for non-residents seeking a simple, low-cost way to manage their finances in France, with features like instant account opening, multi-currency support, and user-friendly mobile apps.
When considering which bank to choose, non-residents should carefully review the minimum deposit requirements, monthly fees, and the availability of debit cards and online banking. Each bank offers different advantages, so it’s important to select the one that best matches your financial needs and lifestyle.
What Documents Do You Need to Open a French Bank Account as a Non-Resident?
To open a non-resident account, you will usually be asked to provide:
- A valid passport or photo ID
- Proof of address (recent utility bill, rental contract, or official correspondence from your country of residence)
- Proof of income or employment (such as payslips or pension statement)
- Tax identification number (TIN) or National Insurance number
- In some cases, a reference letter from your current bank
Some banks may request a French mobile number or initial deposit, though this is not always required.
Banking Services and Support for Non-Residents
French banks understand the unique needs of non-residents and offer a range of services tailored to make banking in France as smooth as possible. Many banks provide multi-currency accounts, allowing you to hold and transfer funds in different currencies, which is especially useful for managing international finances. International money transfers are made easy, with competitive exchange rates and low fees for sending money abroad.
Dedicated support is another key feature, with many banks offering English-speaking advisors to assist non-residents throughout the account opening process and beyond. This personalized service ensures that you can access the help you need, whether you’re managing your account, paying bills, or transferring funds.
Online banking services are widely available, giving non-residents the flexibility to manage their accounts remotely. You can check balances, make payments, and transfer money from anywhere in the world. Some banks, like CA Britline, go a step further by offering specialized services for international clients, including secure online platforms and tailored advice for managing your finances in France.
With these services, non-residents can enjoy the full benefits of French banking, from everyday transactions to long-term financial planning, all with the support and convenience they need.
Can You Keep Your French Bank Account After Leaving France?
Yes, you can keep your French bank account after leaving the country. However, it is essential to inform your bank of your new non-resident status. This ensures compliance with French and UK tax regulations and prevents potential account suspension.
If you already have a standard resident account, the bank may switch it to a non-resident status. This change can affect the interest rate, access to credit facilities, and reporting requirements, but your day-to-day banking should remain unaffected.
Keep in mind that:
- Your account may become subject to automatic exchange of information (AEOI) rules, meaning the French tax authorities share account details with HMRC.
- You may need to declare the account on your UK Self Assessment if you earn income or interest.
- Some online banks (such as Boursorama or Hello Bank) require a French address and may close the account if residency cannot be verified.
What Happens if You Move to France Later?
If you plan to relocate permanently, you can convert your non-resident account into a standard French current account. The process is straightforward and usually involves updating your address, residence permit, and proof of income.
Having a pre-existing banking relationship often speeds up the process and simplifies setting up local utilities, health insurance, and property tax payments.
How Much Does It Cost to Open a Bank Account in France?
Many French banks charge modest fees for maintaining a current account, typically between €5 and €20 per month. This may include a debit card and online access. Premium or international accounts cost more but often include free SEPA transfers, multi-currency management, and English support.
Digital banks like Revolut or Wise can offer cheaper solutions, although they may lack full French IBAN functionality or cheque issuance, which is still occasionally required in France.
Common Challenges for UK Expats Opening French Bank Accounts
UK expats often encounter several challenges when trying to open a French bank account. One of the most common obstacles is the language barrier, as many banks conduct their services primarily in French. This can make it difficult to understand the requirements and complete the necessary paperwork.
Documentation requirements can also be complex. Some banks may ask for a French address, an employment contract, or even a marriage certificate as part of their eligibility criteria. For non-residents who do not have a permanent address or employment in France, gathering the right documents can be a significant hurdle.
Since Brexit, UK nationals have faced additional complexities. Some French banks have tightened their policies, requiring more supporting documents or restricting certain services for UK residents. This means that opening a bank account in France as a UK expat may take more time and effort than before.
Despite these challenges, many banks are adapting their services to better accommodate non-residents, but it’s important to be prepared and understand the specific requirements of each institution before starting the process.
Solutions and Benefits of Non-Resident French Bank Accounts
Opening a non-resident French bank account comes with a host of benefits for those looking to manage their finances in France. These accounts make it easy to receive payments, pay bills, and handle everyday transactions in euros, all while maintaining a financial presence in the country. For non-residents, this can be especially useful when purchasing property, paying for utilities, or receiving income from French sources.
Many banks offer competitive exchange rates and low fees for international transfers, making it simple and cost-effective to send money between countries. Non-resident accounts also provide access to essential banking services, such as debit cards and online banking, allowing you to manage your accounts from anywhere in the world.
By understanding the options and requirements for non-resident bank accounts, individuals can confidently navigate the French banking system. Whether you’re looking to pay bills, receive income, or simply keep your money secure, a non-resident account offers the flexibility and convenience needed to make the most of your financial situation in France.
Tips for UK Expats Managing a Non-Resident Account
- Keep your UK address updated – banks must have a valid non-French address on file.
- Avoid overdrafts – many banks do not offer credit lines to non-residents.
- Use SEPA transfers for lower fees between UK and EU accounts.
- Notify HMRC of any French interest income if taxable.
- Consider multi-currency management through your financial adviser to balance currency risk.
At Harrison Brook, we help UK expats structure their finances efficiently across borders, ensuring bank accounts, pensions, and investments remain compliant and optimised for your tax status.
FAQs – Non-Resident Bank Account France
Can a UK resident open a bank account in France without living there?
Yes, most major French banks allow remote or non-resident applications as long as you can verify your identity and provide proof of address abroad. For example, a recent utility bill or a valid passport can be used as supporting documents.
Which French bank is best for UK expats?
Crédit Agricole Britline and BNP Paribas International are among the most popular choices for English-speaking clients.
Do I need to visit France in person to open an account?
Not necessarily. Many banks allow digital onboarding. However, you may need to visit a branch later for certain transactions or identification checks. For example, some banks may require an in-person visit to increase your account limits or to access certain services.
Can I keep my French bank account if I move back to the UK?
Yes, you can keep it open, but you should notify the bank of your new status to ensure compliance with tax regulations.
Are there tax implications for UK expats with a French account?
Interest earned in France must be declared in both France (if resident) and the UK. Harrison Brook can help you coordinate your tax reporting to avoid double taxation.
What can I do if a French bank refuses to open an account for me?
If a French bank refuses your application, you have the right to appeal to the Banque de France. The Banque de France can help enforce your right to a basic bank account and will designate a bank to open an account for you.
Speak to a Cross-Border Financial Adviser
Opening or managing a bank account in France as a non-resident is just one part of your wider financial picture. From currency planning to tax efficiency, having a cross-border adviser ensures every element of your finances works together.
Speak to a Harrison Brook adviser today to review your banking, investment, and pension options as a UK expat in France.
