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Overseas banking/France

EuropeFranceLicensed-entity research

BNP Paribas SA

BNP Paribas SA (its legal name in the Regafi record is BNP Paribas; legal form: Société anonyme; SIREN 662042449). This record concerns the French parent-bank legal entity and does not represent all branches, subsidiaries or brands within the BNP Paribas Group.

BNP Paribas SA is a French-registered société anonyme and credit institution. Its public retail account-opening pages are primarily for individuals residing in France, while its professional online account has separate conditions, including French tax residence and a SIREN. The group says that it has services for non-resident customers and serves international clients, but public information does not provide a uniform commitment to accept residents of all countries or foreign legal entities. Eligibility should be confirmed with the bank based on the specific applicant, place of residence, intended use and transaction profile.

Regulator
French Prudential Supervision and Resolution Authority (ACPR; the Regafi register lists banking institutions)
Check date
2026-10-26
Verify status
Some information remains to be confirmed: BNP Paribas' official personal/professional account-opening pages, international customer service explanations, French ACPR registration explanations, the specific BNP Paribas record in Regafi and official French AML, CRS/FATCA and sanctions materials have been reviewed. The specific Regafi record supports BNP Paribas' legal entity identity and credit institution category, but the full range of currently authorised activities within France has not yet been verified item by item. Acceptance of non-resident individuals and foreign legal entities, country coverage, required documents and remote processes require written confirmation from the bank.

Research scope and official resources

Topic number:europe-bnp-paribas-sa

A French legal bank entity candidate in the publicly available selection of large European banks for 2026; selection.json provides selection leads only and is not evidence of ranking, licensing, or account-opening acceptance.

Bank’s official website

Personal Eligibility and Documents

The bank’s personal online account-opening page confirms that applicants must be legally competent adults, reside in France, and apply for a personal account for individual use or a joint account with no more than two holders. Applicants must not already hold a BNP Paribas account, and all account openings are subject to the bank’s acceptance. The residence condition on the bank’s page does not mean that all non-residents are refused: its international customer pages cover services for expatriates, returning residents, cross-border commuters and foreign investors. The group’s 2024 years overview of non-resident services says the service covers people with international career experience and foreign individuals intending to invest in France, among others, and says that nationality, residence and transaction circumstances will be considered. This overview shows that a service channel exists; it does not confirm that a person of any particular nationality, a non-resident or a remote applicant can open an account. The international customer team must confirm in writing the specific countries accepted, products, account-opening locations and required documents.

Personal information publicly disclosed or identified

  • The bank’s online personal account-opening page expressly requires valid identity documents and proof of address in the applicant’s name issued within the past year. Applicants for a Visa Classic or Visa Premier immediate-debit card must also provide proof of income. Income may be demonstrated using the latest French income-tax/exemption notice or a recent payslip. The card also has a monthly net income threshold; this applies only to the relevant card product and is not a general account-opening deposit requirement.
  • The bank’s online process requires scans or photos of original documents. For biometric electronic signing, applicants must also handwrite their signature on a blank sheet of paper. For first-transfer verification, applicants must provide a RIB for a bank account in their own name and valid identity documents. Joint accounts may require additional documents.
  • The bank’s checking account information states that applicants residing in France may provide valid identification (national identity card, passport or residence permit) and proof of residence; documents issued within the previous three months are generally required in original form, while documents covering six months or one year may be accepted in specific cases. If a third party is hosting the applicant and the applicant has no proof of address in their own name, the page requires a hosting certificate, proof of the host’s address and the host’s identification. This page describes the process at ordinary branches in France and cannot be treated as a complete checklist for channels specifically intended for non-residents.
  • For non-residents, dual tax residents or individuals abroad, the bank has not published a single, comprehensive set of required documents. You may first prepare a valid passport, proof of current address, details of each tax-residence jurisdiction and tax identification number, and information about income/occupation and intended account use for the bank to confirm. This is general preparation guidance, not a fixed policy checklist published by BNP Paribas.

Company eligibility and documents

The confirmed online application for professional customers is limited to adult individuals with a French SIREN, French tax-resident status, and a primary residence in France, applying as sole proprietors, microbusiness operators, or specified healthcare professionals; these are not general corporate account-opening conditions for foreign legal entities. BNP Paribas Group’s 2024 non-resident services information states that it may serve companies incorporated abroad, subsidiaries of international groups, and diplomatic institutions under certain conditions, but it does not publicly provide a complete list of eligible countries, company types, business risks, or application documents. Therefore, whether foreign legal entities and non-resident controllers can be accepted, and which French branch should handle the application, must be confirmed in writing by the bank on a case-by-case basis.

Company information publicly disclosed or identified

  • BNP Paribas’s professional online account-opening page expressly applies only to the French sole traders described there: valid photo ID; proof of address dated within 12 months; proof of business registration dated within three months (for example, an RCS K extract, professional register D1, URSSAF certificate, Sirene status notice or INSEE registration certificate); and a RIB in the applicant’s own name issued by a bank in the EEA or an equivalent accepted region that is part of SEPA. Applications require a SIREN, and the first transfer must be made from the applicant’s own account as specified on the page. This list does not apply to foreign legal entities.
  • For foreign-law companies or subsidiaries of international groups, public information only confirms that services are available to non-resident customers under certain conditions; it does not publish a complete document list for these companies. As general due diligence preparation, not an established BNP Paribas policy, you could organize a certificate of incorporation/good standing, constitutional documents, identification of directors and authorized signatories, ownership structure and ultimate beneficial owner information, registered address proof, tax residence and tax identification number, business activities and intended account use, and source-of-funds and counterparty explanations. First ask the bank to confirm its specific forms, certification/translation requirements, eligible applicants, and document validity periods.

Address, tax, and remote / witnessed procedures

Address and tax

Eligibility for online professional account opening in France expressly requires applicants to be French tax residents whose principal residence is in France. Online personal account opening requires residence in France, while the acceptable age of proof of address for branch applications varies by opening channel. Information about services specifically for non-residents does not publish a list of eligible countries or a uniform address standard. Therefore, overseas residential addresses, French correspondence addresses and proof-of-address formats must be confirmed on a case-by-case basis. French tax residency and any other tax-residence jurisdictions must be declared truthfully. French CRS rules concern reportable tax-residence jurisdictions, addresses and corresponding tax identification numbers (NIF). U.S. citizens or U.S. tax residents are also subject to France–U.S. FATCA due diligence and U.S. TIN rules. Individuals may prepare their French tax number (if applicable) and the tax number for each other tax-residence jurisdiction. The French bank has not published a BNP-specific tax self-certification form on the account-opening pages reviewed; it must be requested from the bank. French account opening does not imply that an applicant is a French tax resident.

Remote / witnessing

The personal online process offers the option of using a qualified electronic signature with identity verification: take a photo of the original identity document and a selfie with a mobile phone, with assistance from a service provider named by the bank; alternatively, verify identity by transferring funds from an account in the applicant’s own name, as required by the product page. Professional accounts use secure electronic signatures and online document submission. The personal branch-account-opening page requires an appointment at the selected branch, presentation of proof of identity, and a specimen signature. Non-resident services have an international customer team, dedicated branches, and remote support, but no commitment was found to global remote account opening, video verification available in all countries, or acceptance of a notary or third-party witness; confirm any such arrangements with the bank on a case-by-case basis.

Public process reference

  1. First determine the applicant type (individual, French sole trader or foreign legal entity), actual place of residence/tax residence, intended account use and product. The personal online channel is available only subject to the conditions shown on the page, including residence in France; the professional online channel applies only to applicants meeting its published French SIREN and French-residency requirements.
  2. If you are a non-resident individual or foreign legal entity, first contact BNP Paribas International Client Services or a dedicated branch. Disclose your actual nationality, place of residence, tax residence, entity’s place of registration, beneficial owners, and intended business, and ask the bank to confirm in writing the servicing entity, eligible countries, application method, complete document requirements, and whether an in-person visit is required. Public group service descriptions do not replace confirmation of acceptance for an individual case.
  3. For individuals who meet the published online conditions, complete the application, sign the contract, complete biometric electronic signing or the required first-transfer verification, and upload the identity, address and, where applicable, income documents specified on the website; the bank reserves the right to accept or reject the application.
  4. For eligible French sole traders, follow the website’s process to submit an application and provide the SIREN, e-sign, complete identity verification, and upload registration/address/identity/RIB documents, then transfer the initial funds as instructed on the website; the account can be activated only after the bank approves the application.

Compliance topics, details, and sources

French AML/KYC Customer Identification and Verification

Article L.561-5 of the French Monetary and Financial Code requires relevant financial institutions to identify customers and, where applicable, beneficial owners before establishing a business relationship, and to verify identity using reliable written documents. This statutory obligation does not mean that the bank accepts account applications from everyone; the bank's website also says that non-resident services take nationality, place of residence, and transaction circumstances into account.

Source:Légifrance — Code monétaire et financier, Article L561-5 ；BNP Paribas Group — Non-Residents service: our dedicated support for international clients

Ultimate beneficial owners and source of funds/transaction purpose

The law expressly requires identification and, where applicable, verification of ultimate beneficial owners. The bank’s information about non-resident services states that it applies strict banking requirements based on customers’ nationality, residence, and transaction profile, but the website reviewed does not publish a fixed list of source-of-funds documents for all applicants. Applicants should prepare truthful evidence of source of funds, source of wealth, and business purpose, and provide it according to the bank’s case-specific checklist; general preparation advice should not be presented as a published, fixed BNP policy.

Source:Légifrance — Code monétaire et financier, Article L561-5 ；BNP Paribas Group — Non-Residents service: our dedicated support for international clients

Tax residency, CRS and FATCA reporting

The French tax authority’s CRS implementation guidance requires financial institutions to identify the tax residence of reportable accounts and, as applicable, report information such as name/entity name, address, tax residence, and corresponding tax identification numbers; the relevant information may be automatically exchanged with other participating jurisdictions. France also has an intergovernmental arrangement with the United States under FATCA, requiring French financial institutions to identify and report U.S. accounts that meet the definition and, where applicable, collect U.S. TINs. The United States is covered here under the FATCA framework; this must not be taken to mean that the United States has joined CRS.

Source:BOFiP — CRS, obligations déclaratives des institutions financières ；BOFiP — Accord FATCA France–États-Unis, obligations de diligence

Financial Sanctions Screening Applicable in France

The French DG Trésor explains that financial restrictions applicable in France include United Nations Security Council, European Union, and French domestic asset-freezing measures; some measures prohibit providing funds or financial services to designated persons. Applications and subsequent transactions may be affected by sanctions screening. This describes the French legal environment and does not mean that BNP's internal lists or specific screening parameters have been obtained.

Source:Direction générale du Trésor — Sanctions économiques et financières

Customer data and cross-border tax information

The French CRS provides that financial institutions must comply with applicable data-protection laws when processing account information for automatic exchange obligations. Customers should accurately declare their tax residence and tax identification numbers on the bank's forms and confirm with the bank its privacy notice, use, and cross-border transfer terms for account information.

Source:BOFiP — CRS, obligations déclaratives des institutions financières

Compliance evidence

Account-opening compliance and supporting-document checklist

The bank’s stated requirements, local regulations, and preparation recommendations are presented separately. Acceptance in a specific case is subject to confirmation by the bank.

This guide concerns the possibility of acceptance by BNP Paribas SA in France and preparation for account-opening due diligence, distinguishing between nonresident individuals, companies incorporated outside France, and other international customers. The bank publicly describes services for nonresidents and says it supports foreign-law companies or subsidiaries of international groups under certain conditions, but this does not confirm that a particular customer, country, or product is eligible. Online personal and professional accounts in France each have residence, identity, and business requirements; this does not imply that foreign legal entities can use the online channel.

Date information checked:2026-10-26

Information evidence package

Non-resident individual identity, residence, and tax information

Who it applies to
Non-resident customers intending to apply for a personal account; this is not a mandatory document list published by BNP for all nationalities.
Documents to Prepare
  • It is advisable to have a valid passport or other official photo ID, as well as proof of your current residential address. The bank indicates that identification and proof of address may be required, but has not published specific document formats or validity periods for non-residents.
  • Organize information on occupation/employer or business activity, source of income, purpose of opening the account, and connections to France. Prepare payslips, tax documents, contracts, or bank statements supporting the main source of funds.
  • It is advisable to list each tax residence and its corresponding tax identification number, and prepare a brief explanation of the anticipated payment countries, main counterparties, and intended account use. The bank must confirm the specific forms and whether supporting documents are required.
Description
The bank’s personal information page allows documents to be submitted through the customer area or mobile app, or at a branch. The page concerns the maintenance of information for existing personal customers and does not establish that non-residents can open accounts remotely. Requirements for originals/certified copies, translations, notarization or document recency for non-resident applicants have not been published. The additional items mentioned above are preparation suggestions, not an express list from the bank.

Source:BNP Paribas Group — Non-Residents service: our dedicated support for international clients；BNP Paribas France — Justificatifs et informations personnelles

Foreign legal entity, authorized representative, and evidence of the control chain

Who it applies to
Applicants may include foreign-law companies and subsidiaries of international groups. The online account conditions for French sole traders do not apply to foreign legal entities.
Documents to Prepare
  • It is advisable to prepare proof of company registration and good standing, the articles of association, registered and operating address details, and identification and authorization documents for directors, representatives, and authorized signatories.
  • It is advisable to prepare an ownership chart through each level to natural persons, listing ownership/voting percentages, agreements or other control rights at each level, and prepare relevant registration extracts, shareholder lists or control agreements.
  • It is advisable to prepare identification and residential addresses for ultimate beneficial owners and controllers, explanations of their occupations/source of wealth, and supporting materials on the company’s business, customers and suppliers, main transaction countries, and intended account use.
Description
For company customers within its scope, the French Code includes persons who directly or indirectly hold more than 25% of the capital or voting rights, or otherwise exercise legal control, in the identification of beneficial owners. If no such person can be identified, the law provides, under specified conditions, for a fallback identification of the legal representative. This is a French legal obligation, not a universal threshold or a complete list for foreign companies published by BNP. Confirm certification, translation and document-recency requirements with the bank.

Source:Légifrance — Code monétaire et financier, Article L561-5；Légifrance — Code monétaire et financier, Article R561-1

Source of Funds, Source of Wealth, and Business Rationale

Who it applies to
May be prepared by individual and corporate applicants for review; this is not an item-by-item list of documents the bank has published as mandatory.
Documents to Prepare
  • Organize the source-of-funds trail according to the customer type, such as personal income/asset sale documents, company financial statements, contracts, invoices, or shareholder contribution resolutions, and ensure the document amounts correspond to the expected deposits.
  • Prepare an explanation of the account's main purpose, expected transaction amounts and frequency, source and destination of funds, countries involved, and key counterparties. For intra-group funds, include the organizational relationships and basis for the transactions.
  • For unusually large, complex, or business-inconsistent transactions, retain contracts, logistics/service-delivery records, invoices, and payment evidence in advance, in case the bank asks for an explanation on a case-by-case basis.
Description
BNP’s public information on non-resident services says that strict banking requirements are applied in light of nationality, place of residence and transaction profile, but it does not publish a uniform list of source-of-funds or source-of-wealth documents, amount thresholds or internal risk parameters for all customers. All items in this section are general preparation suggestions.

Source:BNP Paribas Group — Non-Residents service: our dedicated support for international clients

Due diligence and enhanced verification

Beneficial Owners and Actual Controllers

Basis for Verification
The French Monetary and Financial Code requires relevant institutions to identify customers and, where applicable, beneficial owners before establishing a business relationship, and to verify their identities using written documents with evidential value. French rules on beneficial owners of companies include directly or indirectly holding more than 25% of the capital or voting rights, or exercising legal control by other means; the statutory fallback rule for identifying a representative when no beneficial owner can be identified is subject to legal conditions. This threshold is a French rule and must not be extrapolated as a universal standard.
Preparation recommendation
Provide a complete ownership chart tracing through every tier, not just direct shareholders. Also disclose voting agreements, delegations, director appointment/removal rights, and other arrangements that may confer actual control. If no individual meets the ownership criterion, prepare an explanation of the control structure and ask the bank which statutory representatives should be identified.
Scope
French regulations; applicability depends on the customer entity and its structure. BNP has not published a dedicated UBO document format or internal assessment criteria on the pages reviewed.

Source:Légifrance — Code monétaire et financier, Article L561-5；Légifrance — Code monétaire et financier, Article R561-1

Occupation/business, purpose of the relationship, and source of funds

Basis for Verification
BNP publicly states that reviews of non-resident business take nationality, place of residence and transaction profile into account, and mentions the international regulatory and geopolitical environment. It has not published a uniform list of required source-of-funds or source-of-wealth documents, or expected transaction limits. French law requires identification and verification of the customer and, where applicable, the beneficial owner before an account is opened.
Preparation recommendation
It is advisable to ensure that the occupation, corporate business scope, French connection, source of credits and proposed transaction activity in the application materials are consistent with one another. For third-party payments, group funds or cross-border investments, attach contracts/resolutions and an explanation of the funds flow. Do not present recommended documents as bank requirements.
Scope
BNP’s publicly disclosed risk considerations, together with general preparation suggestions. The bank’s case-specific checklist, acceptable industries and internal risk appetite have not been published.

Source:BNP Paribas Group — Non-Residents service: our dedicated support for international clients；Légifrance — Code monétaire et financier, Article L561-5

PEPs, sanctions and cross-border risk disclosures

Basis for Verification
The BNP public materials reviewed state only that reviews take into account nationality, residence, transaction profile and the changing international regulatory/geopolitical environment. They do not disclose a specific PEP definition, screening scope, lists, escalation procedures or country restrictions. Do not infer that PEPs are necessarily rejected or equate PEPs with sanctioned persons.
Preparation recommendation
It is advisable to truthfully prepare information about the applicant’s, actual controllers’, and relevant authorized persons’ public office/PEP status (if the bank asks), and compile the countries, counterparties, and flow of funds for transactions. If a name matches or is shared by another person, have the date of birth, nationality, and other distinguishing identity details ready and explain the situation as requested by the bank.
Scope
This only describes BNP's published risk considerations and general preparation; confirm the specific legal screening obligations, screening parameters, and acceptance policy with the bank. No assumptions are made here.

Source:BNP Paribas Group — Non-Residents service: our dedicated support for international clients

Verifiability of customer identity and information

Basis for Verification
French law requires customers to be identified before establishing a business relationship and, where applicable, beneficial owners to be identified and verified using written documents with evidential value. BNP also says it must continuously maintain up-to-date information sufficient to understand the identities of customers, authorised persons and beneficial owners.
Preparation recommendation
It is advisable to ensure that name spellings, addresses, company names, registration numbers, ownership percentages and tax information are consistent across the application form, registration documents and supporting evidence. Ask in advance whether non-Latin documents need translation or certification; do not assume the bank accepts ordinary photocopies.
Scope
French regulations and BNP’s official website; statutory requirements do not oblige BNP to accept any particular application or determine the document format for an individual case.

Source:BNP Paribas France — Justificatifs et informations personnelles；Légifrance — Code monétaire et financier, Article L561-5

Ongoing maintenance obligations

Keep identity and customer information up to date

BNP states that it must keep customer information up to date throughout the business relationship. It may request proof of identity and address, and provides channels for submission through the customer area, mobile app or a branch. The bank says that failure to provide requested information may result in a transaction not being processed, some services being restricted or the business relationship being terminated. Respond promptly to bank notices and first confirm a secure submission method. No uniform update interval is specified on the public pages.

Source:BNP Paribas France — Justificatifs et informations personnelles

Changes to company ownership, control, and authorization

French beneficial-owner rules require identification of the natural persons who own or control companies within the applicable scope. When the ownership chain, voting rights, directors/representatives or authorised signatories change, it is advisable to proactively notify the bank and retain registration documents, resolutions and records of the former and new control structures. The BNP pages reviewed do not publish a specific reporting deadline or submission channel.

Source:BNP Paribas France — Justificatifs et informations personnelles；Légifrance — Code monétaire et financier, Article R561-1

Keep transaction and source-of-funds explanations on file

BNP publicly lists transaction profiles as a factor in reviewing non-residents. It is advisable to retain contracts, invoices, proof of payment and source-of-funds documents, and to inform the relationship manager promptly of significant changes to the actual transaction pattern, business, place of residence or transaction countries. The bank has not published the frequency of ongoing reviews, trigger thresholds, account limits or required response times; no assumptions are made.

Source:BNP Paribas Group — Non-Residents service: our dedicated support for international clients；BNP Paribas France — Justificatifs et informations personnelles

Please confirm with the bank before booking

  1. Based on my nationality/residence country (or the company’s country of incorporation), tax residence, industry, and intended use of the account, which specific French legal entity or team would handle the application? Does it accept this type of client, and is an in-person visit required?
  2. Please provide the latest document checklist applicable to this customer type, and confirm the acceptable formats, validity periods, authentication, and translation requirements for proof of identity, proof of address, and company registration documents.
  3. For complex ownership chains, indirect ownership, contractual control, or structures with no single holder exceeding 25%, how does your bank require UBO/ultimate controlling persons to be identified and evidenced?
  4. What evidence is required from individuals or businesses for source of funds, source of wealth, and expected cross-border transactions? Do intra-group payments, third-party payments, or transactions involving specific countries require additional explanations?
  5. Which tax-residency self-certification or PEP/sanctions-related declarations must be completed? How should the form be completed if a tax identification number has not yet been obtained or the applicant has multiple tax residencies?
  6. After opening an account, which changes must be reported proactively, and what review frequency or events trigger a review? How can updated documents be submitted securely, and which operations could be affected if you do not respond?

Not confirmed by public information

  • The full acceptance scope for non-resident individuals and foreign companies by nationality, place of residence, place of registration, industry, and transaction counterparties has not been published. The Group's customer-service information does not constitute an account-opening commitment.
  • The complete document checklist for applications from non-residents or foreign legal entities, acceptable certification/translation methods, document validity periods, and whether an interview or in-person attendance is required have not been published; the handling team must confirm these details.
  • BNP’s internal PEP/sanctions screening parameters, country or industry risk appetite, source-of-funds review thresholds and transaction limits have not been published; they should not be filled in by speculation.
  • The pages reviewed did not confirm fees, minimum balances, approval timelines, review frequency, or specific deadlines for reporting different types of changes for non-resident and foreign legal entity accounts.
  • This guide does not verify BNP Paribas SA’s authority to provide services in a particular customer’s location and does not guarantee account acceptance or remote processing. The bank’s written response to the individual case and the applicable product terms should govern.

Sources & Scope of Verification

  1. BNP Paribas Group — Non-Residents service: our dedicated support for international clients

    The bank says its non-resident services are aimed at international professionals, individuals abroad planning to invest in France, and, under certain conditions, foreign companies and group subsidiaries, among others. It offers dedicated branches and remote support. The bank expressly states that it considers nationality, residence, and transaction profile during review. It does not list all eligible countries, application documents, or guarantee acceptance.

  2. BNP Paribas France — Justificatifs et informations personnelles

    The bank says customers must keep their information up to date throughout the business relationship; it may request proof of identity and address, lists online/mobile-app and branch submission methods, and states that failure to provide information may result in transactions not being processed, restricted services, or termination of the relationship. The page concerns maintenance of personal information and does not provide a uniform checklist or update frequency for non-resident account opening.

  3. Légifrance — Code monétaire et financier, Article L561-5

    French statutory anti-money-laundering due-diligence provision: before establishing a business relationship, identify the customer and, where applicable, the beneficial owner, and verify them using written documents with evidential value. This legal obligation is not a promise of account-opening eligibility.

  4. Légifrance — Code monétaire et financier, Article R561-1

    The definition of a beneficial owner of a French company includes a person who directly or indirectly holds more than 25% of the capital or voting rights, or controls the company by other means. It also provides for a statutory fallback rule identifying the legal representative in certain circumstances when no beneficial owner can be identified under the standard criteria. This must not be extrapolated as a universal global threshold.

Fees and timelines

The personal online page says that, once the application is complete and approved by the bank, the process takes about a week; the professional online page says that it takes less than a week once the documents are complete and approved. These are statements on the official website about their respective, specific French online processes; they do not apply to individual cases involving non-residents or foreign legal entities, and are not guaranteed timeframes. For personal online identity verification, the page says no initial deposit is required if biometric electronic signature is selected; if transfer verification is selected, it lists an initial transfer of 150–300 euros, or 20–300 euros for students. The French professional online channel lists an initial transfer of 150–300 euros. The French branch personal-account page says there is no minimum initial deposit. All amounts above refer to the specific processes described on the official website and should not be extrapolated to non-resident accounts, other products, or private banking. The materials reviewed did not confirm fees, minimum balances, approval times, or transfer limits for non-residents and foreign legal entities; request the applicable official fee schedule and product terms in force on the application date.

Limitations and practical considerations

  • Online personal account opening in France is available only to natural persons who meet the French residence, age-of-majority and other conditions stated on the relevant page, and remains subject to the bank’s acceptance. This does not imply that all worldwide residents can open accounts remotely.
  • The professional online account page reviewed is limited to French tax residents with a principal residence in France and a French SIREN, among other conditions, and is intended for specified categories of self-employed professionals; it is not an online application route for foreign companies.
  • The non-resident services page and Group information confirm that international customer services exist, but the specific countries, nationalities, business/industry risks, tax circumstances, legal entity types, and channels accepted remain subject to written confirmation from the bank. The bank expressly states that it assesses applicants based on nationality, place of residence, and transaction profile.
  • The specific authorization details shown in Regafi are cross-border passporting records for Spain; they do not replace a complete, current search of the entity’s authorization scope in France and do not constitute a commitment that any account product is available.
  • BNP Paribas’s public pages are not an account-opening channel currently available for appointment through Rengangyongsheng (Hong Kong) Limited. This profile does not imply that our company has any referral, agency, appointment or account-opening arrangement with the bank.

Licensing evidence and regulatory verification

An individual BNP Paribas record was read in Regafi, rather than merely locating the register landing page. The record lists the name BNP Paribas, SIREN 662042449, LEI R0MUWSFPU8MPRO8K5P83, legal form Société anonyme, and category of banking credit institution. Its notes state that BNP Paribas SA assumed the relevant CIB after absorbing BNP Paribas Wealth Management Monaco in 2024. The specific Regafi record read concerns a cross-border passport record for a French bank operating in Spain. It establishes the identity of the legal entity in that record and its status as a credit institution as indicated on that page; it should not be extrapolated to all authorisations for products in France, account-opening eligibility or the full current scope of authorisation. The French REGAFI page states that the register is updated daily. The specific entity details for the full set of domestic French authorised activities were not obtained on this occasion; the precise domestic scope of authorisation still needs to be checked in REGAFI using the SIREN.

French Prudential Supervision and Resolution Authority (ACPR; the Regafi register lists banking institutions) Official registration or record

Information sources

  1. BNP Paribas France — Ouvrir un compte bancaire en ligne

    The bank’s personal online application steps; identity, address and income documents; online residence and age requirements; electronic signature and transfer-based identity verification methods; and the amount and approximately one-week timeframe for the specified process.

  2. BNP Paribas France — Conditions d'éligibilité

    Minimum eligibility for personal online account opening, French-residency and existing-customer restrictions, conditions for the income-card product, identity verification steps involving a selfie with an ID, and verification conditions for the first transfer.

  3. BNP Paribas France — Compte chèque individuel

    Branch application steps for a standard checking account, examples of documents showing French residency/address, arrangements for a third-party hosting certificate, and the statement that this branch's personal account has no minimum initial deposit.

  4. BNP Paribas France — Offres bancaires pour clients à l'international

    The bank has published international customer service topics for expatriates, people returning to or moving to France, cross-border commuters and foreign investors; the page does not publish detailed account opening eligibility rules by country.

  5. BNP Paribas Group — Non-Residents service: our dedicated support for international clients

    The 2024 group overview describes its target customers for non-resident services, states that foreign-law companies and subsidiaries of international groups may be supported under certain conditions, and notes the availability of dedicated branches/remote support. Reviews take nationality, place of residence, and transaction activity into account. This is not a promise to accept applications from every country or all applicants.

  6. BNP Paribas Professionnels — Ouvrir un compte pro en ligne

    Eligibility for a French online professional account, applicable only to certain self-employed professionals with a SIREN; the French tax-residency/principal-residence requirement; documents expressly specified by the bank; and the designated initial transfer and processing steps.

  7. ACPR — Registre des agents financiers et des organismes d'assurance

    ACPR explains that REGAFI lists entities authorized to conduct activities such as banking, records authorized activities, is updated daily, and provides banking/insurance APIs; this page describes the register system and does not, by itself, establish BNP's specific authorization.

  8. Regafi — Fiche banque BNP Paribas, passeport sortant Espagne

    The specific REGAFI bank entity record lists BNP Paribas, SIREN 662042449, LEI, the legal form of a société anonyme, French origin, and the credit institution category. This page is a specific cross-border passporting record for Spain, not a complete list of authorised activities in France.

  9. Légifrance — Code monétaire et financier, Article L561-5

    French anti-money-laundering and counter-terrorist-financing legislation requires customers and, where applicable, beneficial owners to be identified before establishing a business relationship and verified using documents with evidential value.

  10. BOFiP — CRS, obligations déclaratives des institutions financières

    Under the French CRS/Common Reporting Standard, financial institutions collect/report, for reportable accounts, names or entity names, addresses, tax residence, corresponding tax identification numbers, account details and balances, and other information; information may be automatically exchanged and data-protection obligations apply.

  11. BOFiP — Accord FATCA France–États-Unis, obligations de diligence

    French financial institutions’ FATCA due diligence/reporting for U.S. accounts, definitions of U.S. citizens or U.S. tax residents, U.S. TINs, and tax self-certification requirements for new accounts; this source supports FATCA, not the claim that the United States has joined CRS.

  12. Direction générale du Trésor — Sanctions économiques et financières

    Official guidance on United Nations, European Union, and national financial sanctions, asset freezes, and restrictions on providing funds/financial services to designated persons applicable in France.