Current Account
Free
The daily account: instant SEPA transfers, direct debits, Visa card and notification for each expense.
- Visa Classic card included
- Free instant SEPA transfers
- Overdraft allowed up to €500
- French IBAN, direct debits
Our accounts
An account for every moment of your life
Six accounts, the same requirement: no hidden fees, an online opening and your money available at any time. Choose the one that looks like you.
BCP accounts in detail
All our accounts open online, without an appointment, and accumulate between them.
18 to 25 years old
Youth Account
Free
Designed for studies and first salaries: no account maintenance fees and an adjustable ceiling from the application.
- no account keeping fees
- Free payments abroad
- Ceilings that can be modified in one gesture
- Optional Parental Controls
Most Selected
Premium Account
€7.90/month
A dedicated advisor, a Visa Premier card and travel insurance for those who travel often.
- Visa Premier Card
- Dedicated advisor reachable 6 days a week
- Travel insurance and car rental
- Unlimited Withdrawals Worldwide
Joint account
€2.90/month
Two people, with two cards and a common vision of spending. Everyone also keeps their personal account.
- Two attached Visa cards
- Shared expense categories
- Common budgets and reimbursements
- Online opening with two signatures
3% gross
Savings Account
Free
Your money available at any time, paid every day, with automatic transfers to your goals.
- Annual gross rate of 3%
- Money available without notice
- Scheduled payouts from €10
- Automatic rounding of payments
Business Account
€12.90/month
Self-employed and small companies: invoicing, VAT and accounting export combined in the same space.
- Professional IBAN in 24 hours
- Integrated Quotes & Invoices
- Automated accounting export
- Sub-Accounts for VAT
- COMPARISON :
The key differences between our six accounts.
| Criteria | Fluent | Young | Premium | Seal | Savings | Pro |
|---|---|---|---|---|---|---|
| Monthly fee | €0 | €0 | €7.90 | €2.90 | €0 | € 12.90 |
| Credit card | [Visa Classic] | [Visa Classic] | Visa Premier | 2 Visa cards | — | Visa Business |
| Payments abroad | Eurozone | Worldwide | Worldwide | Eurozone | — | Worldwide |
| Remuneration | — | — | 0,5 % | — | 3 % | 1 % |
| A DEDICATED advisor | — | — | Yes | — | — | Yes |
| Online opening | 10 min | 10 min | 10 min | 15 min | 5 min | 24 h |
applicable rates 22 September 2026 Offers subject to conditions, subject to acceptance of the file.
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