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Finance & Taxation
Banking in France
- 1. Introduction
- 2. Which Bank?
- 3. Opening a Bank Account
- 4. Running Your Bank Account
- 5. French Bank Cards
- 6. French Cheques
- 7. International Bank Transfers
- 8. Overdrafts in France
- 9. Loans in France
- 10. Savings Accounts
- 11. Complaints
- 12. Glossary
Guides to France
Property in France
- Buying property in France
- Buying off-plan in France
- French property auctions
- SCI Ownership
- French property rights
- Renting property in France
- Selling property in France
Building & Renovation
- Building a house in France
- French planning system
- Property renovation in France
- French property rights
- French Mobile Homes
Work & Business
Money & Taxation
- Banking in France
- French mortgages
- Currency Exchange
- Taxes in France
- French inheritance
- French home insurance
Living in France
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Services
- French Health Insurance
- French Home Insurance
- Inheritance Tax & Law Consultancy
- French Planning
- Transfer Money to France
- Metric Unit Conversion
If you require advice and assistance with the purchase of French property and moving to France, then take a look at the France Insider Property Clinic.
4. Managing Your French Bank Account
- Cash Withdrawals
- Direct Debits and Standing Orders
- Statements
- Bank Overdrafts
- Closing/Transferring Account
- Death of Spouse/Partner
- Seizure of Account
4.3. French Bank Account Statements
Your bank should provide you with a hard copy statement each month, although on-line only banks will require you go on-line to review your account.
The High Street banks are also trying to wean their customers off of hard copy statements, but you can retain the hard copy if you wish. Or simply print off from your on-line account.
You can also get a balance from an ATM.
If you want a hard copy statement more regularly then you will need to pay for the service, but there seems little reason to do so, unless you have not on-line access.
French banks lack a degree of transparency in communication of charges, so you may need to read your statements with some care.
Look out for your bank adopting the practice of netting off a charge before crediting a payment into the account and so not showing the actual charge. This is often the case with international transfers.
For example, a cheque for €1,000 paid into the account, may actually be shown net of some or all of the charges, with the credit of a lower sum.
Banks are required to provide an annual statement of charges to their customers, and your monthly bank statement must state the total charges in the month, as well as your overdraft limit. The charges include interest incurred on overdrawn accounts.
Next: Bank Overdrafts
Back: Direct Debits and Standing Orders
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