Frequently Asked Questions
I have an account with a local Credit Agricole branch; can CA Britline help me with my account?
What are the options when sending official documents to you?
I am having problems accessing my online account
I have moved house and need to let you know – what do I do?
You need to send a signed confirmation of your new address. These documents can be forwarded to us by post, fax or as a scanned email attachment. Click here to "change of address" form.
NB: If you were a French property owner on the 1st January you will be responsible for paying the taxe d’habitation bill for that year, even if you have sold your property part way through the year.
Therefore, if you have a direct debit in place for the Trésor Public to pay this bill, it is important that you do not cancel it as soon as your property has been sold.
Unpaid taxes can result in an ‘Avis à Tiers Detenteur’ – this is where the Trésor contact the bank and request that funds on your account are blocked in order to settle the bill. You will also incur bank charges if this happens.
What is a RIB (Relevé d’Identité Bancaire)?
Understand the French message on my statement
Terms and conditions related to exceeding your authorised overdraft limit or negative balance without an authorised overdraft limit.
Mr/Mrs/Miss XXXX, the rate of debit interest applied to your account is XX%. The benchmark index used when calculating the rate of debit interest is that published by the Bank of France : the upper limit rate permitted for overdrafts < 3000€ is xx% as of XX.XX.XXXX.
The message that appears each month on your statement is for information purposes and therefore may not be applicable to you at this specific moment in time. It indicates the rate of debit interest that will be applied to your account should you become overdrawn or exceed your authorised overdraft limit.
Means of Payment
How do I pay my bills in France?
My card is lost / stolen – what should I do?
I recently issued a post dated cheque to pay my builder for completion of some work whilst awaiting the arrival of a money transfer to my French account. He decided to bank the cheque before the due date which was presented to my account causing me to go seriously overdrawn. How can this happen?
Banking rules state that you cannot issue a post-dated cheque in France. If you have done so, the beneficiary has no obligation to wait for the date before paying it into their account. You should also be aware that it is illegal to issue a cheque if you do not have sufficient funds in your account on that day to cover it.
Going into an unauthorised overdraft is one thing, but the situation can be much worse if the bank subsequently rejects the cheque payment for the reason ‘sans provision’ (insufficient funds).
This cheque rejection will be registered with the Banque de France and you will become what is known as Interdit Bancaire, which affects all signatories on the account – not only the person who has signed the cheque. In order to regularise the situation, you will need to provide proof that the ‘debt’ has been paid. If you find yourself in this position, you will receive associated paperwork in the post. Please call us immediately so we can advise what you need to do.
My card is due to expire at the end of the month - what do i need to do?
Nothing... No need to call... your new card will be sent to you and can be activated by using your PIN code when you :
- make a withdrawal from a cash machine in France or abroad,
- make a payment using a payment terminal (shop, restaurant etc) in France.
Can I change the pin number on my debit card?
What happens if I use the incorrect pin number with my debit card?
I want to change my insurance to Britline but my existing insurer says I cannot cancel my policy – what do I do?
NEW: For House and Contents and Car insurance policies, a new law (Loi Hamon), allows any customer to cancel their insurance policy at any time after the first year of subscription by giving just one month’s notice. Please note the cancellation will be done by Britline in order to guarantee continuity of insurance for you. Ask your advisor for more details.
How do I credit funds to my French account?
How do I transfer funds from my French account back to the UK?
I have recently received a text message in French which I do not understand, can you please explain it?
There are various text messages that may be sent to your mobile phone, however if you received one of the below messages the issue needs to be addressed immediately:
Text Message: CREDIT AGRICOLE *Le XX/XX votre solde est débiteur de X€*. La provision est insuffisante, merci de provisionner votre compte.
This message informs you that your account is overdrawn and asks that the neccessary arrangements be made to bring the account back in to credit.
Text Message: CREDIT AGRICOLE " Le XX/XX, solde débiteur de X€, pour éviter des rejets pour défaut de provision contactez votre agence.
This message informs you that your account is overdrawn and there are operations that can be rejected so you therefore need to contact your branch. Should you receive either of these messages you may wish to take advantage of the Britline International Payments Service. Transfer quickly and easily your £'s in to €'s and credit your account.
I have set up an online beneficiary via my French online banking. Can I immediately transfer funds to the beneficiary's account?
Please note that unless the SWIFT/BIC code is identical to your own, there is an obligatory 48 hour delay between the time of setting up the beneficiary and being able to make the first transfer. The 48 hour delay starts from midnight of the day the beneficiary has been added.
How do I update my contact information?
You need to send us this signed request to email@example.com
Why have I received this statement of banking fees?
The statement only takes into account the transactions relating to your everyday banking needs: means of payment, use of overdraft facility, on-line banking fees, etc. It doesn’t show for example, interest payments on a mortgage, personal loan, or share holding fees.
The statement is an overview of the transactions and products subscribed during the previous calendar year. The corresponding fees have already been debited from your account and were shown in your statements during the previous year.
The statement is free of charge. To conform to regulations it will be sent to you every year, together with your bank statement for January.
Unlike your bank statements there is no obligation to keep this fee statement.
Where do I find the principal banking fees?
What is the commission d’intervention?
What is an Avis à Tiers Détenteur?
The bank is legally obliged to act immediately, failure to do so could mean that the bank would have legal action taken against it. The ATD instructs the bank to place the funds onto a special side account where it must stay for a period of 2 months. These funds can only be recredited to the customers account on the specific instruction (called a mainlevee) which must be provided in writing from the Tresor Public.
Where the customer has resolved the issue by paying the Tresor Public directly, the Tresor Public will issue the bank with a mainlevee and the bank is allowed to recredit the customer’s account. In the absence of a mainlevee and at the end of the two month period the bank is legally obliged to send the funds directly to the Tresor Public. The bank’s costs for dealing with the ATD are payable by the customer.
Tailor your account
What is the Compte à Composer account service package?
The Compte à Composer is a base of essential services with modules to select from according to your needs and circumstances.
With the Compte à Composer, you choose the services that correspond best to your day-to-day needs and you benefit from reductions depending on your choice of module.
The Compte à Composer is an offer that is tailored to your needs and can adapt to unexpected obstacles that life can put in your way, as well as to your changing needs. The Compte à Composer is built from a base plus different modules selected according to your needs, plus “à la Carte” options. The more services you include, the greater your reduction in fees will be (in %). For further details click here.
What is the Bonus Gold?
How should I declare interest that you have paid to me?
Interest to non residents is paid in gross. In most cases, this is paid on the 31st December each year, or upon maturity of a term deposit. The amount should be declared in your country of fiscal residence (you may need to request a specific form from your home country to do this).
For fiscal residents in France only.
Interest earned is subject to social charges and income tax:
- Social charges: Directly debited at source on the amount of gross interest currently set at 17.2%.
- Income Tax: Compulsory taxation at source paid as an advance (unless the income tax base from the year before last for your household is less than 25 000€ for a single person, or 50 000€ for a couple subject to joint taxation, and that you have requested to be exempt from this payment for this year). Currently set at 12.8% (flat tax).
Interest is to be declared on your tax return. If your household receives total annual interest of less than 2000€ you can opt to pay a fixed percentage of tax when making your declaration.