Britline Newsletter january 2020

Newsletter January 2020

Ready to work for your savings?

If you are a French fiscal resident and looking to invest differently why not look in to an Assurance Vie contract.
This type of financial investment allows you to build up a nest egg which will be available for you later down the line or for the beneficiary of your choice when you pass away. This type of investment allows you to benefit from major tax advantages the longer it stays in place.

0% entry fees(1) subject to conditions,specific payment terms.
The amounts invested on the unit linked funds present a risk of capital loss. Cumulative promotional offer valid until February 29th 2020.


Sloping off to the slopes this Winter ?

You may need:
  • Higher limits on cash withdrawls and payments, ideal when buying your ski passes or renting out ski equipment.
  • Comprehensive travel insurance(2) Information Document in English, should you have an accident, including cover for medical and other related costs and damage to hired sports equipment.
If so you may think about taking out a Britline Premier debit card(3). It includes some added extras to make your trip and life easier when it comes to spending and protecting yourself.

Top Tip

If you have recently changed from a sole account to a joint account or are currently sharing a 6 digit code with you partner on the account please contact us to receive your own individual code.
Your 6 digit personal access code is very important. It will be needed not only when calling us but also when logging in to your French online banking, and from time to time when using the app Ma Banque.


Protecting your property in France from unwanted visitors

Whether your residence in France is your main home or holiday home having peace of mind when you are not present is especially important.
Nexecur(4) through CA provides home alarm systems offering a variety of options to suit your needs ; video streaming, access to your alarm wherever you may be and management of alerts by the Nexecur team.
At Britline we can set up this service and arrange for your alarm system to be installed.


French Online Banking

Following the recent changes to your French online banking service not only do you have access to our demos in English but information and tips in English will be appearing on the left hand side of the screen once you log in to your account. These will come up automatically therefore no need for google translator.
For those of you who previously logged on to your Britline International Payment(5) account from within your French online banking space you will pleased to hear this option will soon reappear.


If you have a direct contact number and email address for your Britline advisor please do not hesitate to contact them regarding any ongoing issues or up and coming projects you would like to discuss.

*Free access by Internet (excluding fees charged by your service provider)
** Local costs apply when phoning within France from a fixed line. Check with your service provider when calling from abroad.

* The funds must have been deposited on your CA Britline account for less than one month in order to be eligible for the offer. For all initial deposits on to your account when taking out an Assurance-Vie policy the initial deposit must be a minimum of 10,000€, of which 40% of the deposit is invested in unit-linked fund(s) (UC), or a minimum amount of 500,000€ is invested and of which 50% of the deposit is invested in unit-linked fund(s), are at 0% instead of 1% up to a maximum of 4.5%, depending on the type of contract [Cap Découverte, Eloquence Capitalisation,Espace Liberté/2/3, Floriagri, Floriane/2, Floripro, Predissime 9, Predissime 9 série 2 and Contrat Solidaire], instead of 1% to 4.5% maximum depending on the type of contract [Cap Découverte, Eloquence Capitalisation, Espace Liberté/2/3, Floriagri, Floriane/2, Floripro, Predissime 9, Predissime 9 series 2 and Contrat Solidaire].
Beyond this promotional period, the maximum fees on payments are those mentioned in the contract's information notice. The other contract fees indicated in the information leaflet remain unchanged.
Multi-support group Assurance-Vie contracts, which present a risk of capital loss, are insured by Prédica, a company governed by the French Insurance Code. The terms of the contracts are included in the information memo. The key information document and information on the investment options are available on the website You have a legal period of withdrawal of 30 calendar days as of the effective date of establishment of your contract.

(2) Within the limits and conditions provided in the assistance and insurance contracts subscribed to by Crédit Agricole Assurance Paiement, insurance broker registered with ORIAS under no 10 058 272 (, on behalf of the cardholder. For assistance: Mutuaide Assistance (8/14, avenue des Frères-Lumière 94366 Brysur-Marne Cedex). For insurance: CAMCA (53, rue La Boétie CS40107 75380 Paris Cedex 08). These companies are subject to the control of the ACPR (4 Place de Budapest, 75436 Paris Cedex 09).

(3) Subject to acceptance of your file, subscription is available to any person aged 18 years or over and accountholder with CA Britline. Ask your adviser about the availability, terms and conditions of use and the annual card fee. Debit cards: cards that are debited immediately, cards with systematic authorisation. Payment transactions are debited from the linked account within a maximum of 48 hours.

(4) The remote surveillance contract is offered by NEXECUR Protection, Crédit Agricole Group. SAS with a capital of 12,547,360 euros. Head office : 13, rue de Belle Ile 72190 COULAINES. SIREN 799 869 342 RCS LE MANS - N° TVA FR 19 799869342 - Approval CNAPS AUT-072-2113-07-09-20140389180 "the authorisation to exercise the contract does not confer any prerogative of public authority on the company or the persons who benefit from it". Correct as of November 2018.

(5) Britline International Payments Service, powered by HiFX. HiFX Europe Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, registration 462444, for the provision of payment services. HiFX is also a registered MSB with HM Revenue & Customs. Registration number 12131222. HiFX accepts no liability whatsoever for any loss or damages suffered through any act or omission taken as a result of reading or interpreting any of the above information. HiFX is a limited company registered in England and Wales. Registered number: 3517451. Registered office: Maxis 1, Western Road, Bracknell, Berkshire RG12 1RT.

CA Britline is a branch of the Caisse Régionale de Crédit Agricole Mutuel de Normandie - Head Office: 15, esplanade Brillaud-de-Laujardière - CS 25014 - 14050 CAEN CEDEX 4 - Cooperative company with variable capital, registered as a credit company - 478 834 930 RCS Caen - Insurance brokerage company registered under matricule Nr 07 022 868. CA Britline is a member of the Guaranteed Fund for deposits, the Guarantee of Investors warranties, and Guaranteed Fund for investors. CA Britline is controlled by L’Autorité de Contrôle Prudentiel et de Résolution: 4 Place de Budapest - CS 92459 - 75436 Paris Cedex 09.