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Can I open a French bank account as a non-resident?
4 minutes read
If you are planning to buy a property in France or take out a mortgage, opening a French bank account is an essential first step. A bank account is also useful for paying for everyday living expenses in euros if you are on holiday or visiting France for a short period.
A frequent question asked by potential French property buyers is whether they can open a French bank account if they are a non-resident. The answer is a resounding yes… though there are of course some key documents you will need to provide to open your account without a hitch.
This article explains the benefits of opening an account, the different types of banking services, what documents you will need and how long it can take.
Defining a non-resident in France
A non-resident of France is someone who spends less than 183 days a year in the country and who does not pay French tax. So, it is important to be aware that owning a property in France does not qualify you for a resident account, which offers more comprehensive services.
The benefits of a French bank account for non-residents
There are many advantages from opening an account. When you own a French property, there will be taxes and utility bills to pay, such as electricity and water services, as well as groceries to buy and day-to-day expenditure.
For those undertaking renovation projects, paying for materials and labour costs in euros is easier and potentially cheaper than converting from a sterling or a foreign currency.
A bank account in France simplifies things, whether you are buying a baguette in the local boulangerie or ordering various services or supplies.
The different types of French bank accounts
The distinction between resident and non-resident is important regarding the types of bank accounts and services that are available.
As a non-resident, you can open a compte non-résident that gives access to current account services. For example, you will receive a bank card for payments/cash withdrawals and a French IBAN to set up direct debits. Customers get a cheque book too; unlike many other countries, in France cheques remain widely accepted.
There are some banking services which are only available to French residents, who live, study or work in France and pay their taxes in the country. These include most savings accounts and insurance policies, personal loans and certain long-term investment accounts such as the Assurance vie.
What documents do you need to open a French bank account?
Each bank will have their own requirements to ensure that they understand their clients’ needs and comply with French and EU regulations such as money laundering and fraud protection.
In general, most banks will ask you to provide the following:
- Your passport or ID
- Proof of address (in your country of residence)
- Current bank details (in your country of residence)
- Proof of income
- Recent bank statements
- Foreign tax identification number
Mortgages, insurance and savings products for non-residents
In addition to standard current account services, non-French residents may be eligible to obtain a mortgage when buying a home in France, as well as insurance services, for example home and contents insurance.
It’s critical that home buyers have insurance in place when buying a property in France; therefore, by opening a bank account before you complete your purchase, you’ll be one step ahead.
Certain types of savings accounts are similarly available for non-residents. These include the Livret A instant access account. The Livret A is open to all, regardless of age, nationality, or tax residency; the funds are 100% protected and you may withdraw your money at any time. If you are a French resident, there are tax advantages with this account.
How much does a bank account in France cost?
Fees charged as well as the terms and conditions for bank accounts will vary between banks; check the details on the bank website or ask for further information. Once you open an account, there are generally monthly fees to pay.
Students and young people may though qualify for free or reduced fees.
CA Britline: the French bank that speaks your language
CA Britline is part of Crédit Agricole, one of France’s largest and most trusted banks. We are an online bank with a dedicated team of 100% English speaking advisors.
Our friendly and bicultural team of English-speaking advisors have been helping customers (non-residents, British and Irish expats) with all their plans in France since 1999. Most of the team have lived both in the UK and France, so they can understand what life is like both sides of the Channel.
CA Britline is not only a bank though; our advisors are able to provide personalised advice to customers helping them to pursue their projects and settle in France. Although Britline has no branches, customers can speak directly to an advisor as well as accessing services 24/7.
It’s also worth noting that you do not need to own a French property to open your Britline account! You can open your account at any stage of your project; so, if you have only started looking it’s not too early to open an account.
Opening your French bank account with CA Britline
If you are an expat in France, or live in the UK or Ireland, you can start your new French adventure by opening an online account with Britline today. The process is quick and straightforward – taking just 15 minutes to complete your application.
You will only need to supply 4 documents:
- Two proofs of ID.
- One proof of address.
- One proof of tax status.
Feel reassured that you will always have access to real people who understand you and speak your language: Open your account today or feel free to request a call and we will answer all the questions you may have.
We look forward to hearing from you!
First published: 12th September 2025
Image used is provided by Getty Images.