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Overseas banking/France

EuropeFranceLicensed-entity research

Crédit Agricole S.A.

Crédit Agricole S.A. (a French société anonyme; the website legal notice lists SIREN 784 608 416)

The Crédit Agricole S.A. website describes the entity as a French credit institution authorised by the ACPR and states that it performs functions including those of the group's central body. The website's public channels for opening personal and business accounts primarily direct users to the group's 39 regional banks (Caisses régionales); it has not been confirmed that applicants can open retail or business deposit accounts directly with this legal entity.

Regulator
French Prudential Supervision and Resolution Authority (Autorité de contrôle prudentiel et de résolution, ACPR)
Check date
2026-10-26
Verify status
Some information remains to be confirmed: Official bank, French regulatory, and government source texts have been reviewed. The bank’s website states that Crédit Agricole S.A. is a French credit institution authorised by the ACPR, and distinguishes it from the regional banking network that provides everyday retail and business accounts. The exact current REGAFI entry and authorised activities for this legal entity, whether the target legal entity directly provides account opening, and the specific eligibility conditions and complete documentation for non-residents/foreign companies remain to be confirmed in writing by the actual account-opening bank or the ACPR.

Research scope and official resources

Topic number:europe-credit-agricole-sa

A selected large European bank based on the lead in the project’s selection.json, which lists The Banker Top 1000 World Banks 2026 Tier 1 capital basis; this selection is not a current global top 100 ranking and does not establish that a particular legal entity is licensed, accepts account applications or offers a specific account.

Bank’s official website

Personal Eligibility and Documents

Publicly confirmed: Crédit Agricole Group’s online personal product page lists account plans such as Eko, Essentiel, Premium, and Prestige. The online account-opening process includes entering personal information and identity verification, and the page states that promotional plans are for adults. The group structure page states that 39 regional banks are independent cooperative banks serving personal customers. The group’s personal account-opening information says that foreign non-residents may in principle apply for an account with a bank in France, but must prove their identity and address, provide a specimen signature, and declare their non-French tax-resident status. Not confirmed: These materials relate to the group/regional bank level and do not constitute a commitment by Crédit Agricole S.A. to open accounts directly. The accepting regional bank must confirm in writing its acceptance scope, areas in which applicants must reside, nationality/residence requirements, eligible countries for non-residents, specific product eligibility, and acceptance of individual applications.

Personal information publicly disclosed or identified

  • 【General account-opening documents published by the banking group; not a product-specific list for Crédit Agricole S.A.】Valid official identification that includes a photo and signature; examples on the website include an identity card, passport, and residence card/permit.
  • 【General account-opening documents published by the banking group; not a product-specific list for Crédit Agricole S.A.】Proof of address dated within the last three months; examples on the website include a tax notice, property ownership document, electricity bill, or internet bill. Acceptance of foreign proof of address, format, and translation/certification requirements have not been publicly confirmed.
  • 【General account-opening documents published by the banking group; not a product-specific list for Crédit Agricole S.A.】Specimen signature; each account holder must provide one for a joint account. If an authorized agent is appointed, both the account holder and the agent must provide specimen signatures.
  • 【Non-resident matters described by the banking group】You must declare that you are not a French tax resident to the bank; provide your tax-resident country and tax identification number in accordance with the tax self-certification requirements.
  • 【General preparation suggestion; not a published policy of the legal entity or regional bank】Prepare proof of the purpose of funds and of income/wealth before the appointment so you can respond to KYC questions; confirm with the actual receiving regional bank whether these are required and its specific document, format and certification rules.

Company eligibility and documents

Publicly confirmed: The group business account page requires applicants to select the Crédit Agricole regional bank nearest their place of residence or work, contact the branch to make an appointment, and complete their file with a relationship manager. The regional bank website says it is an independent bank, and final approval for business products and payment services is subject to acceptance by that regional bank. Not confirmed: There is no evidence that foreign-registered companies or non-resident businesses can open standard business deposit accounts directly with Crédit Agricole S.A. Foreign companies, entities without a business establishment in France, holding/complex ownership structures, industry restrictions, and specific products must be assessed in writing by the regional bank or relevant specialist subsidiary to which the application is made. Group business services must not be treated as confirmation of account approval.

Company information publicly disclosed or identified

  • 【Process published by the account-opening bank】Select a regional bank in your area, contact a branch to make an appointment, and complete the application file with an account manager. The legal entity has not listed a complete set of corporate account-opening documents on the pages reviewed.
  • 【General preparation suggestion; not a checklist confirmed by the bank】Prepare proof of company registration/good standing (a Kbis or equivalent registration document for a French entity), company articles of association, proof of registered address, resolutions or authorization for directors/authorized signatories, and identification for representatives and signatories. Confirm with the receiving bank any legalization, translation, notarization and document validity requirements for foreign entities.
  • 【General preparation suggestion; not a checklist confirmed by the bank】Prepare a chart of the ownership and control chain, identity and address details for ultimate natural-person beneficial owners, and the basis of their control; French companies are legally required to declare beneficial owners, but INPI states that access to this register data is restricted, so the bank should verify the information through its due diligence process.
  • 【General preparation suggestion; not a checklist confirmed by the bank】Prepare supporting documents on business activities, expected account use, main counterparties, initial funding and ongoing sources of funds, as well as self-certifications of tax residence and tax identification numbers for the company and its controllers; provide specific documents as requested in writing by the bank.

Address, tax, and remote / witnessed procedures

Address and tax

The group’s general information for personal applications in France requires proof of address and gives examples of documents dated within three months. The statement that foreign non-residents may apply does not guarantee that a particular Caisse régionale will accept an overseas address, and no overseas-document format has been published. A French individual taxpayer’s numéro fiscal has 13 digits. Whether a French tax-resident identification number applies must be determined based on the individual’s actual tax status. The account-opening tax self-certification also requires declaration of all tax-residence jurisdictions and the corresponding foreign tax numbers (NIF/TIN). U.S. persons complete a self-certification under the group’s separate FATCA process and provide a U.S. TIN if required; this does not mean that the United States participates in CRS. The account-opening pages reviewed do not specify proof-of-address requirements for businesses or tax-number requirements for non-resident companies. SIREN, VAT numbers and an individual’s NIF cannot be substituted for one another; confirm the requirements in writing with the bank where the account will actually be opened.

Remote / witnessing

The public personal online account-opening page describes entering information through the Ma Banque app and verifying identity; the group's general account-opening information also offers the option of scheduling an appointment at a branch. The business account page says to contact the regional bank near the business location/workplace, with a relationship manager completing the file. No commitment was found that the target legal entity supports global remote account opening for non-residents, cross-border video identity verification, or substituting third-party witnessing/notarization for in-person bank verification; a specimen signature is not equivalent to third-party witnessing.

Public process reference

  1. First identify the legal entity and regional bank that would actually provide the account. The group website states that personal and business day-to-day banking services are provided through a network including 39 regional banks, while Crédit Agricole S.A. performs the group’s central institution and specialist business coordination functions.
  2. Individuals: The group’s online page describes selecting a plan, downloading the Ma Banque app, entering personal information, completing identity verification and then opening an account. You can also book an appointment with an adviser/branch through the group’s channels. This process does not establish that the target legal entity directly opens accounts or that all non-residents can apply online.
  3. Businesses: The group business account page says to select the regional bank near the place of residence or work, contact the branch to make an appointment, and then complete the application file with a relationship manager. The regional bank must accept the application before an account or payment instruments can be provided.
  4. For the target legal entity in this file, before applying, obtain written confirmation from Crédit Agricole S.A. or the actual regional bank of the precise legal entity entering into the account contract, eligibility for residents/non-residents and foreign companies, document checklist, identity verification method, account type, and current fees. Public information does not provide a uniform application timeline.

Compliance topics, details, and sources

French AML/KYC and Source of Funds

The ACPR explains that French credit institutions are subject to AML/CFT (anti-money laundering and counter-terrorist financing) obligations under the French Monetary and Financial Code. The Crédit Agricole Group states that customer due diligence is conducted when a relationship is established and updated subsequently; it may ask about occupation, income, assets and other matters, and may require supporting evidence in some cases. Specific risk reviews, source-of-funds documents, refusal criteria and procedures of the target legal entity are not public; individual outcomes should not be inferred from general rules.

Source:Crédit Agricole: customer due diligence file/KYC ；ACPR: Applicable French AML/CFT legislation

Company UBO/beneficial owners and control structure

The French government states that beneficial owners generally include natural persons who directly or indirectly hold more than 25% of a company’s capital or voting rights, or otherwise control it; where no such person meets the criteria, the applicable rules identify the legal representative. The French INPI states that access to beneficial-owner registration data is restricted and that entities with AML obligations, such as banks, may access it in their legally authorised capacity. This statutory baseline does not mean that the bank has published a business-account document checklist; applicant companies should prepare verifiable information on the complete control chain and actual beneficial owners.

Source:French government business service: declare company beneficial owners ；French National Institute of Industrial Property (INPI): access to beneficial-owner data

Tax Residency Declarations, CRS/EAI, and Foreign TIN

Crédit Agricole's EAI page requires customers to provide all countries in which they are tax resident and their NIF/TIN, and complete a tax residency self-certification; the page states that financial institutions must report certain account information to the French tax authorities. The page describes automatic exchange by reference to participating EAI countries/territories and should not be used to claim that the United States is a CRS participant. The French personal tax number page states that a French personal tax number has 13 digits; whether an applicant needs a French NIF depends on their tax status and the bank's requirements, and it cannot replace the TINs of their other countries of tax residence.

Source:Crédit Agricole: EAI automatic exchange of information rules ；French Tax Authority: Personal Tax Account and Tax Number

U.S. Persons and FATCA

The Crédit Agricole Group has a separate US Person/FATCA process requiring US persons or those identified as US persons to submit a tax residency self-certification and potentially provide a US TIN. Where there are indicators such as a US place of birth, citizenship, US address/telephone number, standing transfer instructions for a US account, or authorisation using a US address, the page says that additional documents may be required. This is public information from the banking group's page; it does not claim that the United States participates in CRS, nor does it confirm how each regional bank will ultimately handle every status.

Source:Crédit Agricole: information US persons must provide under FATCA

Sanctions and asset-freeze screening

ACPR French AML/CFT materials indicate that the competent authorities maintain and update the national asset-freezing measures list, and advise relevant financial institutions to monitor it. These materials support the French regulatory baseline; this review did not obtain information on Crédit Agricole S.A.'s internal screening procedures, specific list coverage or hit-handling policy, none of which should be treated as verified bank-specific rules.

Source:ACPR: Applicable French AML/CFT legislation

Account Opening Compliance Information

Account Opening Compliance and Document Preparation Guide

This page lists separately the requirements published by the bank, local regulations, and document preparation suggestions. Acceptance and specific requirements are subject to confirmation by the bank.

This guide concerns the situation where eligibility to open an account with Crédit Agricole S.A. (a French credit institution) has not been confirmed. Public information does not establish that this legal entity directly provides ordinary personal or business deposit accounts; everyday banking services within the group may be provided by independent regional banks. The following materials are for appointment and due diligence preparation; they are not a published checklist of this entity or a regional bank, and do not confirm that nonresidents or foreign companies will be accepted.

Date information checked:2026-10-26

Document Preparation Checklist

Company entity, representative authority and control chain

Who it applies to
The company or institution intending to apply; this applies only after the bank actually handling the application confirms it accepts that entity. French companies should separately check their statutory beneficial-owner registration obligations.
Documents to Prepare
  • It is advisable to have recent company registration or proof of good standing, constitutional documents, and registered address information ready to verify the entity and its operating status.
  • Prepare appointment/authorization documents and proof of identity for directors, account signatories, and authorized representatives.
  • It is advisable to prepare a chart of ownership and control relationships at each level, listing the basis for natural-person control, percentages and relevant registration documents.
Description
The above company documents are due diligence preparation recommendations, not a complete list published by the bank. The bank's page does not state whether foreign documents must be notarized, certified, apostilled, translated, or issued within a specific period; confirm the submission format with the account-opening entity. See French government rules separately for the scope and determination of beneficial owner declarations for French companies.

Source:French government business service: declare company beneficial owners；ACPR: Applicable French anti-money laundering and counter-terrorist financing legislation

Business legitimacy, account purpose, and evidence of funds

Who it applies to
The prospective account-opening business and its beneficial owners/authorized personnel; personal financial information should be prepared only as required by the account-opening entity and where applicable to the individuals concerned.
Documents to Prepare
  • Prepare a business overview, website/contracts or orders, countries where major customers and suppliers are located, and an explanation of expected incoming and outgoing payment purposes.
  • It is advisable to prepare supporting evidence for the source of initial deposits, main sources of income, and expected transaction volumes, such as contracts, invoices, financial statements, or relevant account records.
  • Control persons may prepare statements and corresponding evidence regarding occupation, income and assets as requested; the banking group says it may ask about personal financial circumstances and may require supporting documents in some cases.
Description
Business contracts, account statements and proof of source of funds are reasonable preparation suggestions; the pages reviewed do not list them individually as mandatory documents for the target corporate entity. Do not submit unrelated sensitive information; first confirm the scope, period and acceptable formats with the relationship manager.

Source:Crédit Agricole: customer due diligence file and KYC update；Crédit Agricole: EAI automatic exchange of information rules

Identity, Address, and Tax Self-Certification

Who it applies to
Company representatives, signatories, beneficial owners or individual applicants (only the actual parties to be verified, as confirmed by the account-opening entity); this does not mean Crédit Agricole S.A. offers individual retail account opening.
Documents to Prepare
  • Prepare a valid passport or other official photo ID, and residential address information for the relevant individuals.
  • List the tax-residence countries and corresponding tax identification numbers for each relevant natural person. The banking group requires clients to complete a tax self-certification and is responsible for the accuracy of their declarations.
  • If tax-residence status, address, or tax number does not match the registration or other documents, prepare a brief explanation and supporting documents.
Description
The banking group’s EAI page does not require all applicants to provide a French tax number, nor does it specify a uniform validity period for proof of address. Requirements for foreign-address documents, translation and authentication, and corporate tax forms must be confirmed on a case-by-case basis.

Source:Crédit Agricole: customer due diligence file and KYC update；Crédit Agricole: EAI automatic exchange of information rules

Due diligence and enhanced verification

Beneficial Owners and Actual Controllers

Basis for Verification
The French government states that, for French companies within the applicable scope, natural-person beneficial owners generally include persons who directly or indirectly hold more than 25% of the capital or voting rights, or otherwise control the company; if nobody qualifies, the legal representative is identified. This standard applies to the relevant French registration obligation and should not be applied directly to every foreign company or treated as this bank’s account-opening threshold.
Preparation recommendation
It is advisable to explain ownership percentages, voting rights, appointment/removal powers and other control arrangements at each level. Prepare a control-chain chart, registration information and identity details for each relevant natural person. If the ownership structure does not indicate individual control, explain the basis for identifying the legal representative.
Scope
French government statutory registration rules; the document formats are preparation suggestions, and the bank’s own look-through levels and evidentiary requirements have not been published.

Source:French government business service: declare company beneficial owners

Source of Funds, Source of Wealth, and Business Logic

Basis for Verification
French credit institutions must comply with LCB-FT regulations and customer identification and due-diligence requirements. Crédit Agricole Group publicly states that it performs KYC when establishing a relationship and during subsequent updates, and may ask about occupation, income and assets; supporting documents may be required in some cases. The specific triggers or a uniform list of source-of-funds documents for the target legal entity have not been published.
Preparation recommendation
It is advisable to align the account-opening purpose, source of funds, expected transactions, key counterparties, and business contracts in a timeline. If a large deposit comes from a shareholder loan, asset sale, financing, or an intra-group transfer, prepare the agreement, transaction evidence, and an explanation of the flow of funds.
Scope
Regulatory obligations and the bank group's public KYC information; the listed commercial evidence is a case-by-case preparation suggestion and does not represent requirements imposed by the bank item by item.

Source:Crédit Agricole: customer due diligence file and KYC update；ACPR: Applicable French anti-money laundering and counter-terrorist financing legislation

PEPs, sanctions and high-risk connections

Basis for Verification
The bank pages reviewed do not disclose its PEP classification criteria or details of how matches are handled. ACPR materials set out LCB-FT customer identification/know-your-customer guidance and advise attention to France’s national asset-freezing measures list; the materials reviewed are insufficient to describe the bank’s internal screening rules on that basis.
Preparation recommendation
Proactively disclose whether relevant individuals hold or have held prominent public office and any related relationships, and prepare explanations of their roles and the source of wealth/funds. If sanctioned persons or transactions involving high-risk countries are involved, first ask the bank what it can accept. PEP status in itself does not mean a sanctions match or automatic rejection.
Scope
ACPR supervisory materials support general regulatory context; PEP-related disclosure materials are precautionary preparation recommendations, and the actual determination and handling must be confirmed by the entity opening the account.

Source:Crédit Agricole: customer due diligence file and KYC update；ACPR: Applicable French anti-money laundering and counter-terrorist financing legislation

Cross-Border Tax Residence and Tax Identification Numbers

Basis for Verification
The Crédit Agricole Group EAI page requires declaration of all countries of tax residence and the corresponding NIF/TIN, as well as completion of a tax self-certification; customers are responsible for the accuracy of their declarations. The page states that financial institutions report certain account information to the French tax authorities; this should not be taken to mean that the United States is an EAI/CRS participant.
Preparation recommendation
Check tax residence and local tax identification numbers separately for individuals and entities. For cases involving no tax identification number, multiple tax residences, or U.S. tax status, ask in advance which forms apply and how to provide additional documents, and keep a copy of the self-certification submitted.
Scope
The banking group has published tax information; applicable forms and actual reporting procedures depend on the customer’s status, account, and account-opening entity.

Source:Crédit Agricole: EAI automatic exchange of information rules

Ongoing Compliance Requirements After Account Opening

Keep customer due-diligence records up to date

The banking group says KYC information is collected when a relationship is established and may be updated periodically or during the relationship in response to life events or changes in information, such as a change of address or name. It may ask about occupation, income, and assets and may require evidence in some cases. The page does not disclose a uniform review cycle. It is advisable to respond promptly to update requests from the relationship manager and keep records of submitted documents and explanations.

Source:Crédit Agricole: customer due diligence file and KYC update

Accuracy of tax self-certification

The banking group says customers must declare their countries of tax residence and corresponding NIF/TIN and are responsible for the accuracy of their self-certification. If tax residence or a tax number changes, it is advisable to promptly ask the actual account-opening bank how to update the information; public pages do not specify a customer update deadline. The bank’s reporting obligations for certain accounts do not mean customers can disregard changes in their information.

Source:Crédit Agricole: EAI automatic exchange of information rules

Changes to the beneficial-owner registration of French companies

For companies subject to French registration rules, changes in beneficial ownership must be registered. French government information states that the change must be declared within 30 days of the change. This is a company registration obligation, not an account review cycle set by the bank; it is advisable to also check that the bank's records of controlling persons remain accurate.

Source:French government business service: declare company beneficial owners

Please confirm with the bank before booking

  1. Is the contracting legal entity for the intended account Crédit Agricole S.A., which Caisse régionale, or another group entity? Does that entity accept applications from this type of non-resident individual, foreign company, or business without a place of business in France?
  2. Please provide the current document checklist applicable to this customer type, and confirm requirements for originals/certified copies, translations, authentication, and issue dates for company registration documents, proof of address, and proof of funds.
  3. How does your bank identify the shareholders, controllers, and representatives required to provide information? What evidence is required for indirect ownership, contractual control, complex cross-border ownership chains, or structures in which no one holds more than 25%?
  4. For PEP status, sanctions connections, complex funds flows, or transactions involving high-risk countries, what circumstances require advance disclosure or additional documents? Could a PEP assessment require source-of-wealth materials?
  5. Which personal/business forms should be used for tax self-certification? How should multiple tax residencies, the absence of a local TIN, or U.S. tax status be reported and updated?
  6. How are account-information reviews notified, and is there a fixed review cycle or deadline for reporting changes? What are the account-opening fees, minimum balance, processing time and remote identity-verification methods?

Not confirmed by public information

  • Public information does not confirm whether Crédit Agricole S.A. directly accepts applications for retail or general business deposit accounts, or the eligibility of non-residents/foreign companies; the actual entity accepting applications must first be identified.
  • The target legal entity or specific regional bank has not published its full KYC checklist, authentication/translation/validity requirements for overseas documents, remote identity verification procedures, case-specific PEP handling or internal risk limits; no uniform standard should be inferred.
  • The materials reviewed do not confirm account fees, minimum deposits, processing time frames, or the frequency of periodic KYC reviews.
  • The current REGAFI entry exactly matching the legal name and SIREN of Crédit Agricole S.A. was not independently verified for this research. Existing records of the bank’s statements about its authorization on its website do not replace verification against the current regulatory register.

Sources & Scope of Verification

  1. Crédit Agricole: customer due diligence file and KYC update

    The banking group says KYC supports anti-money laundering, counter-terrorist financing, and tax compliance. Information is updated when the relationship is established and during the ongoing relationship, possibly periodically or following changes such as address/name changes; the bank may ask about occupation, income, and assets and request supporting documents. This page provides group-level information for individual customers and is not a specific corporate account-opening checklist for Crédit Agricole S.A.

  2. Crédit Agricole: EAI automatic exchange of information rules

    The banking group requires customers to declare their countries of tax residence and corresponding NIF/TIN, complete a tax self-certification, and take responsibility for its accuracy. It states that financial institutions report information on certain accounts to the French tax authority. The page does not establish that the United States is an EAI/CRS participant, nor does it specify the forms for this particular target legal entity.

  3. French government business service: declare company beneficial owners

    The French government states that beneficial owners of companies within the French regime generally include natural persons who directly or indirectly hold more than 25% of the capital or voting rights, or otherwise control the company. If there is no such person, the legal representative is identified. Relevant changes must be reported within 30 days. This applies to the French registration regime and is not a universal banking threshold.

  4. ACPR: Applicable French anti-money laundering and counter-terrorist financing legislation

    The ACPR explains that credit institutions are subject to AML/CFT obligations under the French Monetary and Financial Code, cites guidance on customer identification and due diligence, and refers to guidance on asset-freezing measures and the national asset-freezing list. It supports the French regulatory baseline but does not disclose Crédit Agricole's internal review standards.

Fees and timelines

Account-opening fees, minimum deposits, processing times, or account limits for individuals or businesses at the legal entity Crédit Agricole S.A. have not been verified. The Group’s public product pricing pages distinguish between regional Caisses régionales and state that their rates apply to regional banks; this dossier does not misstate regional-bank rates as fees for the target legal entity. The specific regional bank opening the account must provide a written quote for the actual product and applicable rates.

Limitations and practical considerations

  • The boundaries between entities are key: Crédit Agricole S.A.’s website says it is a credit institution authorized by the ACPR, but the group’s regional banks primarily promote its day-to-day retail and business account opening services. The regional banks are independent banks; the group brand, holding-company relationship or products of a particular regional bank must not be presented as products of this legal entity.
  • Regulatory status has not yet been independently verified: this search did not obtain a specific REGAFI record matching the name/SIREN. Verify the current registration status and authorised activities using the legal name and SIREN.
  • General information about non-resident individuals opening bank accounts in France is not a commitment by the bank or regional bank concerned; overseas residence, nationality, tax status, document format, and the scope of online applications remain subject to confirmation by the specific bank handling the application.
  • No public confirmation has been found on whether foreign-registered companies or businesses without a French business establishment can open an account, which entity would provide the service, or what documents would be required.
  • The personal online process does not establish support for global remote video account opening, third-party witnessing, or a notary as a substitute for bank verification; the business page describes regional branch appointments and a relationship-manager process.
  • This profile is compiled solely from public information. It does not indicate that Rengangyongsheng currently offers appointment or application assistance services, and it does not constitute a promise that an account will be approved.

Licensing evidence and regulatory verification

The Crédit Agricole S.A. website legal notice states that the company is a credit institution under French law and is authorised by the ACPR; the notice also lists SIREN 784 608 416. The ACPR explains that REGAFI is a register of authorisations for banks and financial institutions, updated daily, which can list permitted activities and business that French entities may conduct abroad. In this review, we were unable to obtain and individually verify a current REGAFI entry matching this legal name/SIREN exactly or its scope of authorisation. This is therefore the bank's own statement and not an independent verification against the regulatory register in this review; the specific licence entry, permitted activities, and current status still need to be checked with REGAFI/ACPR. No licence number has been invented.

French Prudential Supervision and Resolution Authority (Autorité de contrôle prudentiel et de résolution, ACPR) Official registration or record

Information sources

  1. Crédit Agricole S.A. legal notice

    The official website lists the legal name Crédit Agricole S.A., the French company’s SIREN 784 608 416, and its registered office, and states that it is a credit institution authorized under French law by the ACPR. It also explains that the website provides information about Crédit Agricole S.A.

  2. ACPR: Official REGAFI register of financial agents and insurance entities

    The ACPR explains that REGAFI lists businesses authorized to provide banking, financial, electronic money or payment services, is updated daily, and contains information on authorized activities. This page explains the register and provides an entry point; it does not independently establish the specific record of the target legal entity.

  3. Crédit Agricole Group structure

    The bank’s official website explains the central institution, group coordination and business-line responsibilities of Crédit Agricole S.A., and states that the 39 regional banks are full-service banks serving individuals, farmers, small businesses, companies and local authorities; this is used to distinguish the target legal entity from the regional bank network.

  4. Crédit Agricole: open a personal account online

    The group’s personal-product page lists options such as Eko, online application and identity-verification steps, and states that there are 39 regional banks. Personal promotions/account-opening offers are limited to adults, and services and rates may vary by regional bank.

  5. Crédit Agricole: information and documents required to open a bank account

    The Group article explains the general conditions for foreign non-residents applying for an account with a French bank and declaring non-resident status for French tax purposes. It lists common personal identity documents, proof of address dated within the past three months, specimen signatures, and joint-account/authorisation scenarios, and notes that product availability is subject to regional bank availability and acceptance review.

  6. Crédit Agricole: business account application

    The group’s business page publishes the steps for opening a business account: choose a regional bank near the place of residence or work, contact the branch to make an appointment, and complete the application file with an account manager. The page states that each regional bank is an independent bank.

  7. Crédit Agricole: business accounts for professionals

    The group’s page for professionals opening accounts states that Pro by CA is intended for professional use, that final account opening and payment tools depend on acceptance by the regional bank, and that fees vary by regional bank. The page does not provide a complete document checklist for the target legal entity or foreign company.

  8. Crédit Agricole: customer due diligence file/KYC

    The Group explains that KYC supports anti-money-laundering, counter-terrorist-financing, and tax-compliance obligations. Customer profiles are established when the relationship begins and updated during the relationship; information such as occupation, income, and assets may be collected and supporting evidence requested.

  9. ACPR: Applicable French AML/CFT legislation

    The ACPR explains that credit institutions are subject to AML/CFT obligations under the French Monetary and Financial Code, cites guidance on customer identity verification and customer due diligence, and refers to the national asset-freezing measures list.

  10. Crédit Agricole: EAI automatic exchange of information rules

    The bank page says customers must provide their countries of tax residence and corresponding NIF/TIN, complete a self-certification, and notes that financial institutions report information on certain accounts to the French tax authority. Its applicability language concerns countries/territories participating in the EAI regime.

  11. Crédit Agricole: information US persons must provide under FATCA

    The bank page says US Persons must provide a tax-residence self-certification, may need to provide a U.S. TIN, and lists certain U.S. indicia and procedures for handling supplementary documentation.

  12. French Tax Authority: Personal Tax Account and Tax Number

    The French tax authority explains that an individual tax number is a unique 13-digit number used for French tax procedures, and that those without a tax number must first confirm their identity with the tax authorities to obtain one; this does not establish that all account applicants must already have a French tax number.

  13. French government business service: declare company beneficial owners

    The French government states that relevant French companies must declare their beneficial owners. Common control criteria include direct or indirect holdings of more than 25% of shares or voting rights, or control by other means, and the guidance explains reporting and access restrictions for control information.

  14. French National Institute of Industrial Property (INPI): access to beneficial-owner data

    INPI explains that access to beneficial ownership data is restricted, and that banks and others subject to LCB-FT obligations are among the categories of persons legally entitled to access it. It also explains the procedure for obtaining data on designated persons.