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EuropeFranceLicensed-entity research

Crédit Mutuel Arkéa

Crédit Mutuel Arkéa (a French cooperative credit company, S.A. coopérative de crédit à capital variable; SIREN 775 577 018, RCS Brest). The bank's website legal notice states that it is covered by collective banking authorisation from the ACPR and acts on behalf of the local mutual credit societies of Crédit Mutuel de Bretagne (CMB) to which it belongs. The bank must confirm in writing at the time of application which caisse will open/keep the account shown in the specific account contract; the group, the CMB brand, and local credit societies must not be treated as the same registered entity.

Crédit Mutuel Arkéa publicly discloses that it is a cooperative banking entity covered by collective authorisation from the ACPR and provides account and other services to the Brittany mutual credit network. Its specific retail account-opening channel is Crédit Mutuel de Bretagne (CMB), whose network serves four departments in Brittany. The bank publishes personal and business account-opening procedures, but has not confirmed whether foreign non-resident individuals or foreign-incorporated companies can open accounts; the bank reserves the right to accept or reject applications, and the details of its individual registration with the competent authority still need to be checked.

Regulator
French Prudential Supervision and Resolution Authority (ACPR, Autorité de contrôle prudentiel et de résolution; part of Banque de France)
Check date
2026-10-26
Verify status
Some information remains to be confirmed: The bank's official website legal entity and collective authorisation disclosures, CMB personal products/professional account-opening processes, the current 2026 professional customer document checklist, ACPR register explanations and official French AML/tax baselines have been checked. However, the individual Crédit Mutuel Arkéa profile link in REGAFI returned only general navigation during this review, preventing independent review of the current entry and scope of authorisation. Eligibility for non-resident individuals, foreign companies, overseas addresses/documents and remote account opening has not been publicly confirmed by the bank and requires written verification from the specific CMB caisse where the account is intended to be opened and through the competent register records.

Research scope and official resources

Topic number:europe-credit-mutuel-arkea

Retains the selected leads for major French/European banking institutions from selection.json. The list draws on publicly available institutional information from 2025/2026; it is not a real-time global top 100 ranking and does not establish Crédit Mutuel Arkéa’s licensing status or customer eligibility.

Bank’s official website

Personal Eligibility and Documents

For individuals, CMB advertises personal accounts on its official website and provides an online account-opening option. Its branch information and group profile describe CMB as a regional bank in Brittany, with operations covering Finistère, Morbihan, Côtes-d'Armor and Ille-et-Vilaine. CMB states that account opening and payment instruments are subject to the bank’s acceptance. The French government’s general guidance on opening a personal account requires valid proof of identity and proof of address, but this is not a commitment by CMB regarding applicants’ nationality. The CMB pages reviewed do not explicitly confirm account-opening eligibility separately for French residents, French residents living outside Brittany, non-EU residents or non-residents, nor do they publish special acceptance rules for foreign passports, overseas addresses or remote applications. These cases must be confirmed in writing with the CMB local caisse where the applicant intends to open an account.

Personal information publicly disclosed or identified

  • CMB’s personal account page states that the documents required to open an account must be submitted, but does not list each required document for personal applications.
  • French government baseline for personal accounts (not a policy specific to CMB): valid official photo ID, such as a national identity card, passport or residence permit. CMB’s public materials do not specify which passports or residence documents foreign applicants may use, or whether translation or certification is required.
  • French government baseline for personal accounts (not a policy specific to CMB): proof of address, such as a tax notice, rent receipt or utility bill; people living with a host may need accommodation documentation. This list does not establish that CMB accepts overseas addresses or any particular substitute document.
  • The French government states that banks record account holders’ signatures; the bank’s public pages do not confirm online identity-verification methods or CMB’s specific requirements for overseas identity documents.
  • French tax-reporting baseline: account applicants must provide a self-certification of tax residence as required by applicable rules; non-French tax residents generally must provide the relevant tax identification number (TIN/NIF). This is a French tax-information-exchange requirement, not an additional document policy imposed unilaterally by CMB.

Company eligibility and documents

CMB has an account-opening process for business/professional customers. Applicants complete an online business-project description form, then meet with an adviser for an initial meeting at a branch or the applicant’s workplace, before submitting account-opening documents. The bank expressly states that account opening is subject to review and acceptance of the application file. CMB’s 2026 professional customer banking terms apply to professional-use accounts for sole traders, legal entities, and associations, and list account-opening documents. This establishes the availability of business account products and their usual opening process, but does not mean all industries, foreign-incorporated companies, or businesses operating abroad are eligible. Public materials do not specifically confirm whether foreign-incorporated companies, foreign parent companies, overseas directors/beneficial owners, or entities without a business address in France are accepted; written confirmation from the bank is required on a case-by-case basis.

Company information publicly disclosed or identified

  • CMB General Banking Terms for Professional Customers (effective from 2026-1-1) expressly list: proof of registration in the relevant register/directory.
  • The same CMB terms expressly list the latest version of the company's articles of association, confirmed and dated by the person in charge.
  • If publication or an operating licence/regulatory approval is required by law, submit the publication in the Official Gazette, prior operating licence, or regulatory authority approval document.
  • Valid proof of identity, proof of authorization/authority (for example, a certified extract of the minutes of a shareholders’/members’ meeting), and signature for each person authorized to operate the account.
  • Proof of residence dated less than 3 months ago; if the legal entity's tax residence is outside France, CMB's terms expressly require a tax residency certificate.
  • Balance sheets and income statements for the most recent 3 years; if annual accounts must be publicly disclosed by law, submit records of their publication; tax returns for the most recent 3 years (the bank retains digital copies).
  • The above are public materials expressly listed in the CMB professional customer terms; equivalent forms of foreign registration documents, translation/certification requirements, overseas UBO information, proof of source of funds, and additional materials needed at the time of account opening must be confirmed with the bank. The bank states that it may request other documents at any time, especially in relation to specific transactions.

Address, tax, and remote / witnessed procedures

Address and tax

CMB’s personal services and physical branches are publicly positioned in the four departments of Brittany; this geographic information about its network does not by itself establish that applicants from any particular place of residence can open an account. CMB’s 2026 professional customer terms require proof of residence dated within 3 months and expressly require proof of tax residence where the tax residence is outside France. The French tax authority explains that an individual’s French tax number is generally a numéro SPI, while a legal entity’s is a SIREN. Under automatic exchange rules, banks collect tax-residence information and, where relevant, tax identification numbers. CMB has not publicly confirmed document formats, acceptable overseas address proofs, or applicable tax number formats for non-resident individuals or foreign companies.

Remote / witnessing

CMB’s personal account page promotes online account opening; its publicly described business process includes an initial meeting with an adviser at a branch or the applicant’s workplace. The public materials do not establish that individuals or companies can complete account opening remotely from any country, or that global video witnessing, overseas notaries, or third-party witnessing are supported. Electronic identity verification should be confirmed only in accordance with the bank’s specific instructions for the applicant.

Public process reference

  1. Personal: Start an online account-opening application from the CMB personal accounts/become a customer page, or contact a local branch. The webpage does not provide a specific application route for foreign addresses or non-residents.
  2. Individuals: Submit the proof of identity, residence and tax information required by the bank; complete identity verification and sign the account agreement as instructed by the bank. Account opening and payment instruments are subject to the bank’s acceptance.
  3. Professional/business: Complete the online project description application form; meet an adviser initially at a CMB branch or at the applicant’s place of work.
  4. Professional/business: Submit registration, articles of association, representative’s authority and identity documents, address, financial and tax documents in accordance with CMB’s 2026 general terms; if the tax residence is outside the country, also submit proof of tax residence.
  5. Professional/business: The account is opened after the bank reviews and accepts the file. The published process does not promise a review timeframe. Confirm in writing before submission whether foreign entity documents need to be translated or certified, and whether additional documents are required.

Compliance topics, details, and sources

French AML/KYC and Customer Due Diligence

The French Monetary and Financial Code requires regulated financial institutions to identify and verify customers. Identification of corporate customers includes legal form, name, registration number, registered office, and place of effective management. Financial institutions must understand the purpose and nature of the business relationship and keep customer information up to date. The non-face-to-face verification methods specified by law may use particular compliant methods, but this is not a guarantee of global video account opening or witnessing by any third party.

Source:Légifrance — Code monétaire et financier, obligations de vigilance à l'égard de la clientèle

French AML/UBO, Representative Authority, and Source of Funds

French regulations require beneficial owners to be identified and verified using risk-based measures. They also require persons acting on behalf of customers to be identified and their authority verified, and transactions within the business relationship to be monitored for consistency, with the source and destination of funds considered when necessary. CMB also reserves the right under its 2026 professional-account terms to request additional documents at any time. The account-opening marketing page does not set out a fixed list of possible source-of-funds documents or their formats for individual cases.

Source:Crédit Mutuel de Bretagne — Conditions Générales de Banque pour les Professionnels, en vigueur au 1er janvier 2026 ；Légifrance — Code monétaire et financier, obligations de vigilance à l'égard de la clientèle

Tax residence, CRS/Common Reporting Standard and French TIN

Official French tax guidance states that financial institutions collect account holders’ tax-residence self-certifications and, as applicable, the tax numbers of non-French tax residents. The French NIF is generally an individual’s SPI number or a legal entity’s SIREN. Tax self-certification and its updating are baseline requirements under France’s automatic exchange regime. Customers must declare their information truthfully; this does not mean every jurisdiction uses the same tax-number format.

Source:impots.gouv.fr — Pourquoi ma banque me demande des informations sur ma résidence fiscale et mon numéro d'identification fiscale ? ；BOFiP — Norme commune de déclaration, obligations des titulaires de comptes

U.S.-related Accounts and FATCA

The French tax authority also has bilateral France–United States FATCA implementation rules requiring French financial institutions to identify and report qualifying U.S. reportable accounts and collect the corresponding identity/tax identification information. The United States should be addressed under the FATCA framework; this material does not describe the United States as a CRS participating jurisdiction or presume that all U.S. persons qualify to open an account with that bank.

Source:BOFiP — Accord FATCA entre la France et les États-Unis, obligations déclaratives

French deposit protection and the right to have an account opening accepted

The French Deposit Guarantee and Resolution Fund (FGDR) states that its public-service mission is to protect customers’ assets as required by law in the event of a banking institution’s failure. The FGDR homepage reviewed does not provide a complete case-specific conclusion for the actual account-opening entity under this account agreement or the applicable protection. Accordingly, no specific protection limit is promised here for any account, amount or deposit category; check the final account agreement and FGDR information for the relevant entity.

Source:FGDR — Fonds de Garantie des Dépôts et de Résolution ；Crédit Mutuel de Bretagne — Mentions légales professionnelles

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 treats Crédit Mutuel de Bretagne (CMB) as the proposed retail/professional banking channel in Brittany. Crédit Mutuel Arkéa Group disclosures and the local caisse that ultimately books the account contract should not be conflated; the specific accepting entity must be confirmed in writing by the bank. The personal account baseline and CMB professional-client 2026 terms each apply to their respective customer types. Available public information does not confirm account-opening eligibility for individuals residing abroad, foreign-registered companies, or businesses operating from abroad, and is not a promise to open an account.

Date information checked:2026-10-26

Information evidence package

Personal identity, address and signature

Who it applies to
General preparation baseline for individual applicants; non-resident eligibility and CMB’s acceptance of overseas documents have not been publicly confirmed.
Documents to Prepare
  • Valid, photo-bearing official ID; the French government lists a national identity card, passport, or residence permit, but the eligible categories of foreign passports and any additional authentication requirements must be verified with CMB.
  • Recent proof of address, such as a tax bill, rent receipt, or utility bill; these are general examples cited by the French government and do not indicate that CMB accepts overseas addresses or any substitute document.
  • Provide a specimen signature as instructed by the bank; for online account opening, be prepared to complete identity verification in the manner specified by the bank.
Description
The preceding sentence describes the general baseline for opening a personal account under French government guidance, not a specific commitment by CMB regarding documents for non-residents. Confirm requirements for originals, certified copies, translations and validity periods individually before making an appointment. Do not assume remote notarisation or video witnessing is available.

Source:Service-Public.fr — Compte bancaire individuel

Professional/corporate identity, governance and authorization chain

Who it applies to
Sole proprietors, legal entities or associations applying for a CMB account for professional use; not applicable to applications solely for a personal day-to-day account.
Documents to Prepare
  • Proof of registration in the relevant register/list, and the latest dated articles of association confirmed by the person in charge.
  • Valid proof of identity, signatures and authorization documents for account operators. If publication or a licence/regulatory approval is legally required, prepare the relevant official-gazette publication, licence or approval documents.
  • CMB’s terms require proof of residence dated within three months; if the tax residence is outside France, the terms expressly require proof of tax residence.
Description
The above is based on CMB's professional customer terms effective from 2026-1-1. The terms also list balance sheets, income statements, and tax returns for the last three years, and allow additional documents to be requested. Equivalent formats, translation, and certification methods for foreign registration documents are not published and must be confirmed first.

Source:Crédit Mutuel de Bretagne — Conditions Générales de Banque pour les Professionnels, en vigueur au 1er janvier 2026

Operations, Financials, Tax, and Funds Flow

Who it applies to
Professional/corporate applicants; individuals may also prepare an explanation of the source of funds as appropriate, but suggested documents should not be misrepresented as a fixed checklist for personal accounts.
Documents to Prepare
  • Professional applicants should prepare the most recent three years of financial statements and tax returns listed in CMB’s terms; where applicable, include public records of annual accounts.
  • Prepare a brief description of the business, its main customers/suppliers and the expected countries, currencies, frequency and ranges of amounts for account payments, to explain the account’s purpose. This is a due-diligence preparation recommendation, not a published uniform mandatory checklist.
  • For a large initial deposit or unusual flow of funds, organize contracts, invoices, payroll/dividend/asset-sale records and corresponding bank statements into a traceable chain linking the source of funds to the purpose of the transactions; whether these will be requested is determined by the bank on a case-by-case basis.
Description
CMB’s terms expressly allow it to request additional documents at any time, especially for specific transactions, and state that it may ask about income, assets, transactions, and source of funds. File format, translation, certification, and the scope of review must all be confirmed on a case-by-case basis.

Source:Crédit Mutuel de Bretagne — Conditions Générales de Banque pour les Professionnels, en vigueur au 1er janvier 2026；Légifrance — Code monétaire et financier, obligations de vigilance à l'égard de la clientèle

Due diligence and enhanced verification

Beneficial owners, control chain, and representative authorization

Basis for Verification
The French Monetary and Financial Code requires identification of key information about legal-entity customers and their beneficial owners, and verification measures for beneficial-owner identity that are proportionate to money-laundering/terrorist-financing risk. CMB’s terms expressly state that it may obtain information about customers, representatives, agents, and beneficial owners. The pages reviewed do not specify a uniform shareholding-percentage threshold applied by CMB to entities from every country; no percentage is therefore set out here.
Preparation recommendation
It is advisable to prepare a shareholding/control structure chart tracing ownership from the applicant entity through each level to the natural persons, a shareholder register or registry extract, an explanation of control arrangements, and appointment/authorization resolutions for management and account signatories. Indicate direct and indirect ownership, voting rights, and the means of exercising effective control.
Scope
Identification and risk-proportionate verification are required by French regulations; CMB’s requirement to identify beneficiaries and request additional documents is set out in the bank’s terms; an ownership structure chart and supporting documents are general preparation recommendations.

Source:Crédit Mutuel de Bretagne — Conditions Générales de Banque pour les Professionnels, en vigueur au 1er janvier 2026；Légifrance — Code monétaire et financier, obligations de vigilance à l'égard de la clientèle

Source of Funds, Source of Wealth, and Genuine Business Activity

Basis for Verification
CMB’s professional terms allow the bank to request additional documents at any time and state that due diligence may cover income, assets, transactions, and source of funds. French law requires financial institutions to understand the business relationship and conduct customer due diligence. The public terms do not set a uniform source-of-funds document requirement or amount threshold for all customers.
Preparation recommendation
Align expected account activity with the business explanation; for large transactions, consider preparing contracts, invoices, audit/financial documents, asset sale or dividend evidence, payer information and statements for the original source-of-funds account, and explain any discrepancy with the declared business scale. This is preparation guidance to help reduce back-and-forth requests for additional documents.
Scope
The bank expressly states that it may request additional documents. Legal due diligence obligations are set out in French regulations. CMB has not published a fixed combination of documents or monetary thresholds.

Source:Crédit Mutuel de Bretagne — Conditions Générales de Banque pour les Professionnels, en vigueur au 1er janvier 2026；Légifrance — Code monétaire et financier, obligations de vigilance à l'égard de la clientèle

PEPs, sanctions and high-risk connections

Basis for Verification
The CMB account-opening terms and regulatory pages reviewed do not disclose the bank’s specific questionnaires, approval levels, country-risk criteria, or acceptance limits for PEP or sanctions-list screening. PEP status is not itself equivalent to being a sanctions target, nor does it support an inference of automatic rejection; case-by-case acceptance criteria are not public.
Preparation recommendation
If an applicant, controller or signatory is a politically exposed person or close associate, or has a connection to a sanctioned jurisdiction/entity, it is advisable to proactively ask about required declarations and evidence when making an appointment, and prepare information on the role and relationship, counterparties and countries, and documents showing the legality of the business. Do not conceal information or assume that a screening result necessarily means approval or refusal.
Scope
The bank’s specific screening details are not public. This is a prudent preparation suggestion; it does not claim that CMB has published additional forms, a list of prohibited countries, or a blanket refusal rule.

Source:Crédit Mutuel de Bretagne — Conditions Générales de Banque pour les Professionnels, en vigueur au 1er janvier 2026；Légifrance — Code monétaire et financier, obligations de vigilance à l'égard de la clientèle

Cross-Border Tax Residency, CRS, and Overseas Documents

Basis for Verification
The French tax authority states that financial institutions must collect an account holder’s tax-residence self-certification and, where the tax residence is outside France, collect a tax identification number as required; if circumstances change after the account is opened, the bank may request another self-certification. CMB’s professional terms separately expressly state that proof of tax residence must be provided when the tax domicile is outside France. Requirements for the format of tax numbers in non-resident countries, overseas addresses, and acceptance of foreign-company documents have not been published.
Preparation recommendation
List all tax-residence jurisdictions for the individual/entity, corresponding TINs and reasons for any unavailable TINs. Prepare relevant tax-residency evidence and ensure the entity classification and controllers' tax information are consistent with the filings. If there are multiple addresses or tax-residence jurisdictions, first confirm with the bank which forms and evidence to use.
Scope
Tax self-certification and applicable tax identification number requirements are based on official French tax guidance; proof of foreign tax residence is expressly stated in CMB’s professional terms; other forms of cross-border proof have not been published.

Source:Crédit Mutuel de Bretagne — Conditions Générales de Banque pour les Professionnels, en vigueur au 1er janvier 2026；impots.gouv.fr — Pourquoi ma banque me demande les informations sur ma résidence fiscale et mon numéro d'identification fiscale ?

Ongoing maintenance obligations

Changes to customer information and company circumstances

CMB’s professional terms require customers to provide relevant evidence when information or circumstances they have provided change, and allow the bank to request supplementary documents at any time; failure to provide information may affect the continuation of the relationship. Changes to address, tax residence, management, authorized persons, ownership/control, and business activities should be reported promptly, with updated registrations, resolutions, or evidence retained. The terms do not publish a uniform review schedule.

Source:Crédit Mutuel de Bretagne — Conditions Générales de Banque pour les Professionnels, en vigueur au 1er janvier 2026

Transaction monitoring and supplementary explanations

CMB’s terms state that before establishing a relationship and during the relationship, the bank will obtain information about customers, representatives, agents, and beneficial owners and, where necessary, about the purpose of transactions and source of funds. Customers must cooperate by providing information or evidence. Failure to cooperate may delay or result in the refusal of transactions, suspension of services, or even termination of the relationship. Account holders should retain contracts, invoices, payment records, and funds-flow records. The bank has not published fixed spot-check frequencies or amount thresholds.

Source:Crédit Mutuel de Bretagne — Conditions Générales de Banque pour les Professionnels, en vigueur au 1er janvier 2026；Légifrance — Code monétaire et financier, obligations de vigilance à l'égard de la clientèle

Update Tax Residency Self-Certification

After a change in tax residency status or related information, the French tax authorities explain that financial institutions may request self-certification again; their guidance states that a response is due within 30 days of the second request, and that failure to respond on time may result in reporting to the tax authorities and the application of relevant penalty rules. This deadline is part of the French tax regime guidance; it does not mean that all CMB requests for additional documents have a 30-day deadline or that the bank has a general response deadline.

Source:impots.gouv.fr — Pourquoi ma banque me demande les informations sur ma résidence fiscale et mon numéro d'identification fiscale ?

Please confirm with the bank before booking

  1. Please confirm which CMB local caisse will accept the application, open the account, and keep its records, and provide the legal name and regulatory registration details shown in the contract.
  2. Can an applicant who is an overseas resident individual, a foreign-registered company, or an overseas tax resident apply? Is a French residential address, contact with a local branch, or business activity in France required?
  3. What documents are required to open the relevant personal or professional account? Which are required for foreign registration certificates, articles of association, authorization documents, and tax certificates: originals, certified copies, French translations, or consular legalization?
  4. What evidence must be submitted for the ownership and control chart, beneficial owners, and account signatories, respectively? Is there a specified form for complex or multi-tier foreign ownership structures?
  5. Can identity verification and signing be completed online? Which steps require an in-person visit? Are overseas proof of address and verification by transfer from an overseas bank accepted?
  6. Please provide the latest fee schedule for the applicable account, minimum deposit/balance requirements (if any), expected review stages, and contact channel for submitting additional documents; these matters could not be confirmed from public information.

Not confirmed by public information

  • Public information has not confirmed eligibility for individuals residing overseas, companies registered overseas, overseas directors/beneficial owners, or customers without a business address in France.
  • The caisse where the account is to be opened must confirm on a case-by-case basis the requirements for translation, certification, validity, and online verification of foreign documents, as well as any overseas witnessing arrangements.
  • CMB’s terms do not publish a uniform UBO ownership threshold, PEP/sanctions approval standard, or specific country risk limits applicable to all customers; none should be inferred.
  • The reviewed materials do not fully specify fees, initial deposits, review times, or case-specific source-of-funds documents; these should be confirmed against the bank’s written response, current product fee schedule, and contract.
  • The ACPR information page explains how to use the REGAFI register; it is not an individual registration file for Arkéa. This review does not use it to claim independent verification of the bank's current authorized activities or the specific contractual deposit-guarantee coverage.

Sources & Scope of Verification

  1. Crédit Mutuel de Bretagne — Conditions Générales de Banque pour les Professionnels, en vigueur au 1er janvier 2026

    The text of the official PDF has been reviewed. It supports the account-opening documentation for CMB professional clients (registration, articles of association, authorised persons, address, and three years of financial and tax information), proof of foreign tax residence, the right to request additional documents at any time, updates to contact details/proof of circumstances, and AML customer, transaction and source-of-funds checks. The terms also state that failure to cooperate may affect the continuation of the relationship.

  2. Légifrance — Code monétaire et financier, obligations de vigilance à l'égard de la clientèle

    The relevant chapters of the official French code have been reviewed. They support collecting information to identify individual and legal-entity customers, verifying identity as required, identifying beneficial owners, and taking verification measures proportionate to money-laundering/terrorist-financing risks. They do not support a claim that CMB accepts applications from abroad or applies a particular unverified uniform threshold.

  3. impots.gouv.fr — Pourquoi ma banque me demande les informations sur ma résidence fiscale et mon numéro d'identification fiscale ?

    The French tax authority page has been reviewed (updated in 2026 4). It supports financial institutions collecting a tax-residence self-certification and applicable TIN, requesting it again after a change in circumstances, and an explanation within 30 days following a second request. This deadline should not be generalized to all bank requests for additional documents.

  4. Service-Public.fr — Compte bancaire individuel

    The French government's guidance on personal accounts has been reviewed (verified in 2026 5). It supports the baseline requirements for opening a personal account: valid photo ID, proof of address and a signature; foreigners legally residing in France may apply under the general rules; and banks retain the right to refuse. It does not establish that CMB accepts overseas addresses or non-residents.

Fees and timelines

The CMB account promotional page, professional account-opening process and 2026 professional customer general terms reviewed do not clearly specify the minimum initial deposit, approval time or complete account fee schedule applicable to this standard account opening. Do not infer that it is free, any particular fee amount or a processing timeline; ask the CMB caisse where you intend to open the account for the latest fee schedule and contract corresponding to the actual account product, currency and applicable date.

Limitations and practical considerations

  • CMB is a regional network in Brittany, France. Its website describes services covering Finistère, Morbihan, Côtes-d'Armor, and Ille-et-Vilaine; eligibility for individuals living abroad and foreign-incorporated companies has not been publicly confirmed.
  • Personal accounts, payment services, and business account opening are all subject to the bank’s review and acceptance of the application; general promotion of online applications does not constitute a commitment to open an account.
  • Crédit Mutuel Arkéa is a cooperative group/authorised entity, and CMB is its Brittany business network; confirm with the bank at the time of application the specific caisse named in the final account contract, the deposit protection arrangements applicable to the account, and the relevant regulatory registration.
  • The French statutory droit au compte is a scheme involving designation by Banque de France, subject to conditions including statutory residence/nationality criteria and the absence of a French deposit account; it is not this bank’s promise to open an account for overseas non-residents.
  • The above is based on research of public information and does not mean that Rengangyongsheng can currently arrange an appointment, recommend, or handle the account opening for this bank.

Licensing evidence and regulatory verification

The specific legal entity was identified in Crédit Mutuel Arkéa’s legal notice (SIREN 775 577 018, RCS Brest), which states that it has collective banking authorization from the ACPR in its own name and on behalf of the affiliated CMB credit unions. The ACPR states that REGAFI is a register of authorized institutions updated daily. A link to Crédit Mutuel Arkéa’s individual REGAFI profile was located, but the profile’s dynamic page returned only generic navigation during this review and did not display its registration details. The bank’s own disclosure of authorization was found, but the independent record in the current regulatory profile and the authorized activities still require item-by-item verification; no license number is invented, and completion of the register check is not claimed.

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

Information sources

  1. Crédit Mutuel de Bretagne — Mentions légales professionnelles

    Discloses Crédit Mutuel Arkéa’s legal name, SIREN, RCS and cooperative variable-capital form; states that it is authorized by the ACPR as a bank and investment services provider and acts on behalf of the affiliated Crédit Mutuel de Bretagne local mutual credit union; also notes that website content may be subject to the applicant’s applicable laws and restrictions on particular subscriptions.

  2. ACPR — Registre des agents financiers et des organismes d'assurance / REGAFI

    The ACPR explains that REGAFI records businesses authorized to provide banking, financial, electronic money and payment services and is updated daily; the register specifies that institutions must be identified using an exact match of legal name, trade name and address. This page explains the register; it is not an individual registration record for Crédit Mutuel Arkéa.

  3. Crédit Mutuel Arkéa — Crédit Mutuel de Bretagne

    The group’s official page describes CMB as a regional bank, lists its coverage of the four départements of Brittany, and states that it provides banking and related services to individuals, professionals, businesses, associations and local institutions.

  4. Crédit Mutuel de Bretagne — Comptes bancaires

    CMB personal and joint account product pages; they disclose account-related products, services, and some credit approval conditions. The pages do not provide a complete list of account-opening documents or establish eligibility for non-residents or foreign passport holders.

  5. Crédit Mutuel de Bretagne — Devenir client

    CMB’s Become a Customer page promotes online account opening for individuals. It lists conditions for personal products and the bank’s acceptance rules, and describes CMB’s Brittany member/customer and branch network; promotional offers and membership conditions are not general account-opening conditions.

  6. Crédit Mutuel de Bretagne — Conditions Générales de Banque pour les Professionnels, en vigueur au 1er janvier 2026

    The account-opening section of the current CMB General Terms for Professional Customers lists proof of registration, the latest articles of association, licences/approvals required by law, identification and authority documents for authorised persons, proof of address dated within the last three months, financial statements for the last three years and tax returns. For an overseas tax residence, it also requires a tax residence certificate. The terms limit the account to professional or association activities and allow the bank to request additional documents.

  7. Crédit Mutuel de Bretagne Professionnels — Ouvrir un Compte Bancaire Professionnel

    CMB business/professional customer account-opening process: complete an online professional project application, meet with an adviser initially at a branch or workplace, submit the required account-opening documents, and obtain the bank’s acceptance.

  8. Service-Public.fr — Compte bancaire individuel

    General rules for opening an ordinary personal bank account in France: basic requirements include valid photo ID, proof of address and a signature specimen; the bank may refuse to open an account. These are general national baseline requirements and do not represent CMB’s policy on accepting non-residents.

  9. impots.gouv.fr — Pourquoi ma banque me demande des informations sur ma résidence fiscale et mon numéro d'identification fiscale ?

    The French tax authority explains the self-certification requirements for automatic exchange reporting, under which financial institutions collect tax residence and applicable tax identification numbers, as well as the obligation to update information when circumstances change.

  10. BOFiP — Norme commune de déclaration, obligations des titulaires de comptes

    Official French tax documents explain account holders’ tax-residence and TIN self-certification obligations under CRS/the Common Reporting Standard; they state that an individual’s French NIF is generally an SPI number and a legal entity’s NIF is a SIREN, and address tax information for controlling persons of passive non-financial entities.

  11. Légifrance — Code monétaire et financier, obligations de vigilance à l'égard de la clientèle

    Current provisions of the French Monetary and Financial Code explain requirements for financial institutions to identify customers and legal-entity information, verify identities and authority to represent, identify beneficial owners, understand the business relationship and continuously monitor risks, including risk monitoring consistent, where necessary, with the source and destination of funds.

  12. BOFiP — Accord FATCA entre la France et les États-Unis, obligations déclaratives

    The French tax authority explains that French financial institutions must identify, collect, and report information on qualifying U.S. reportable accounts under the France–United States FATCA framework; this supports addressing U.S. FATCA rules separately from CRS.

  13. FGDR — Fonds de Garantie des Dépôts et de Résolution

    The French Deposit Guarantee and Resolution Fund states that its public-service mission is to protect and compensate customers’ assets in the event of the failure of a bank or financial institution. The homepage reviewed does not establish which specific deposit category or contracting entity applies to this account agreement.

  14. Service-Public Entreprendre — Compte bancaire professionnel d'une société

    French government baseline documentation for general business professional accounts and explanation of the droit au compte procedure if a bank refuses to open an account. The company documents listed are general preparation references, not CMB’s policy on documents for foreign companies or their acceptance.

  15. Service-Public.fr — Refus d'ouverture de compte bancaire : droit au compte

    The French government explains the specific eligibility requirements, procedure and basic services under the droit au compte, including conditions such as residence in France, French nationality while living abroad, or lawful residence in certain parts of the EU. This shows that it is not a general alternative account-opening channel available to all non-residents abroad.