Open a French bank account

Open a French account and get a RIB, even as a newcomer.

For: Newcomers and expats who need a French bank account and a RIB for rent, salary and administration.

Overview

A French bank account and its RIB (bank details) are needed for almost everything: rent, salary, CAF, taxes and reimbursements. The tricky part for newcomers is the proof of address requirement, especially before you have a lease. The assistant helps you choose between a traditional bank and an online/mobile bank, prepare the right documents, and get your account and RIB as fast as possible.

The steps

1
Choose the right bank
Compare traditional branches, online banks and mobile accounts for newcomers.
2
Gather your documents
ID, proof of address and status; know the workarounds if you lack an address.
3
Open the account
Apply online or in branch and complete identity verification.
4
Get your RIB
Download your bank details to share with employers, landlords and administrations.
5
Set up your card and access
Activate your card, app and online banking.
6
Understand fees
Check monthly fees, overdraft rules and international transfer costs.

Documents you will typically need

Valid passport or ID
Proof of address (or a workaround such as a hosting attestation)
Residence permit or visa if you have one
Proof of activity (work contract, enrolment) when required
An initial deposit for some banks

Your personal assistant

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Frequently asked questions

Can I open an account without proof of address?

Some online and mobile banks are more flexible, and a hosting attestation can help. The assistant explains the options for your situation.

What is a RIB and why is it essential?

The RIB is your account identification used for direct debits, salary and refunds. Almost every French administration and employer asks for it.

Traditional bank or online bank?

It depends on whether you need in-branch help, cash handling, or cheap international transfers. The assistant compares them for your needs.

Demarches-Simplifiees.co is an independent service and is not affiliated with the French government or any administration. The assistant provides practical guidance, not personalised legal advice. Always confirm details, fees and deadlines on the official government websites.