Our documents

Price guide

FEES

APPLICABLE TO INDIVIDUALS

Below is the main schedule of fees applicable to individual customers as of 1 September 2016.

INDIVIDUAL fees – Septembre 2016 (pdf) (in French)

Standard list of fees INDIVIDUALS – Sept. 2016 (pdf) (in French)

APPLICABLE TO COMPANIES

Below are the main terms applicable to business customers as of 1 May 2011.

COMPANY fees – May 2011 (pdf) (in French)

 

USURIOUS LOANS

Article L. 313-3 of the French Consumer Code (Code de la Consommation) defines a usurious loan as a loan issued at an annual percentage rate (APR) exceeding by more than one-third the average APR charged during the previous quarter for
comparable transactions.
The usury rate is therefore a rate beyond which a loan’s APR is considered excessive in the eyes of the law.
Legislation on usury applies to both personal (consumer) loans and business loans, with the stipulation that, for the latter, only account overdrafts are subject to compliance
with the usury rate.
The general notion of “business loan” refers to loans granted to a legal entity as well as loans granted to a private individual acting for his/her business (non-consumer) purposes.

Below is a link that allows you to view the usury rates in force for the various loan categories.
These rates are set through a notice published each quarter by the French Ministry of Economy in the Official Journal (Journal Officiel) on the basis of surveys conducted by the Banque de France on rates charged:

Link to the Banque de France website with current rates

 

GLOSSARY OF EVERYDAY TRANSACTIONS

The Financial Sector Advisory Committee (Comité Consultatif du Secteur Financier – CCSF) has created glossaries to help you understand the terms used in your day-to-day banking transactions.

Glossaries – Day-to-day banking and credit (pdf) (in French)
Glossaries – Savings and financial investments (pdf) (in French)
Glossaries – Insurance (pdf) (in French)