Business accounts: France

Updated 5 October 2026

An honest assessment before work starts, the quote is fixed in writing.

A company's money at a French bank is protected by the Deposit Guarantee and Resolution Fund: up to €100,000 per customer in each bank, about $112,100 at the rate of 5 October 2026, rounded up, paid within 7 working days. The guarantee covers companies of any form, sole proprietors and associations, and one person's personal and business accounts are treated as separate customers, according to the Fund. A business account is usually opened for a French company or a company with real activity in France.

If the bank refuses: the right to an account

A French bank may refuse a business account but must issue a refusal certificate within 15 days of receiving the application. With this certificate the company applies to a Banque de France branch: with a complete file it designates a bank within 24 hours, and the designation is valid for 6 months. The designated bank says within 3 days which documents it needs and opens the account within 3 working days of receiving the complete file, according to the government business portal.

What the bank will check

• the company's registration and registry extract, the list of directors and owners;
• passports and proof of address of directors and beneficial owners;
• what the company does and how the business is linked to the country;
• expected volumes, currencies and payment countries;
• source of funds documents for the owners.

How opening works

1. Profile review and choosing a bank in France.
2. The document file and business description tailored to the bank.
3. The bank's review, often with a video call or a director's visit.
4. Account opening and online banking setup.

What we do

Murblz specialists assess the chances before applying, choose a bank in France, prepare the documents and handle the correspondence with the bank until it decides. The quote is fixed in writing; the decision to open the account is always the bank's.

Who gets refused

A bank will refuse if the source of funds cannot be documented, if the client or their money is linked to sanctions restrictions, or if the purpose of the account does not match the expected payments. We check whether a case involving Russian citizens can proceed before any documents are prepared.

What we do

• Corporate account - opening assistance

See also

Company formation · Personal account · Investment property · All country programs

FAQ