Personal accounts: France
An honest assessment before work starts, the quote is fixed in writing.
We assess your chances against your profile, prepare the compliance file, help you present your source of funds properly and handle communication with the bank until it decides. The final decision always rests with the bank, and careful preparation improves the odds.
We quote the exact cost for this country after a short consultation: it depends on the bank and your residency. The quote is fixed in writing before work starts.
A personal account in France
If banks refuse someone living in France, they can apply to the Banque de France, which designates a bank obliged to open a basic account. Opening needs a passport or residence permit, proof of address and source of income.
| Tax | Rate 2026 |
|---|---|
| Income tax | 0-45% on a scale per household quotient share: tax is calculated per household |
| Interest, dividends, securities gains | a flat 31.4% |
| Real estate wealth tax | 0.5-1.5% if net real estate is worth more than €1.3 million |
Deposits are insured up to €100,000, about $112,100, per depositor per bank. More on our France taxes page.
We will calculate online the cost of opening a personal account and maintaining it for a year.
Who is a French tax resident
One criterion is enough: a home or main place of stay in France, main professional activity in the country or the centre of economic interests in France. A resident pays tax on worldwide income and reports foreign accounts in the return.
What we do
- We choose a bank and prepare income and address documents.
- If refused, we prepare the Banque de France right-to-an-account request.
- We calculate taxes with the household quotient.
What we do
- Personal account - opening assistance
See also
Company formation · Business account · Investment property · All country programs
FAQ
Can a non-resident open a bank account in France?
Do I need residency or a French address?
What if a French bank turns me down?
Does France report accounts to other countries?
What to do if a French bank refuses an account?
What is the tax on interest in France?
Must foreign accounts be reported in France?
What is the deposit guarantee in France?
How is family income tax calculated in France?
What documents are needed for a French account?
Can you open a French account without a residence permit?
What is the real estate wealth tax in France?
How long does opening a French account take?
Is deposit interest taxed in France?
Need a personal account with a French bank?
We choose a French bank for a non-resident or newcomer, prepare proof of income and address and explain the legal right to an account if banks refuse. Every country is in the searchable catalogue.
The Murblz consultant replies straight away in the chat on this page. Describe your situation and we will work it out together.
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