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Overseas banking/France

EuropeFranceLicensed-entity research

La Banque Postale S.A.

La Banque Postale, Société anonyme à Directoire et Conseil de Surveillance (the banking entity in the form of a French société anonyme; head office: 115 rue de Sèvres, 75275 Paris Cedex 06). This entity should not be replaced with La Poste Group or the brand name.

La Banque Postale S.A. is a French credit institution supervised by the ACPR. It can be found in the official REGAFI register by entity name and reference ID 641. Its publicly available online personal account opening channel is explicitly for French tax residents. Its online business products have separate geographic and business-form restrictions; whether non-residents or foreign companies can open an account must be confirmed in writing by the bank on a case-by-case basis.

Regulator
French Prudential Supervision and Resolution Authority (ACPR, part of Banque de France)
Check date
2026-10-26
Verify status
Some information remains to be confirmed: The bank's actual personal and professional product pages, the La Banque Postale credit institution record in France's official REGAFI (ID 641), the bank's legal entity information and official French AML/CRS/FATCA/sanctions baselines have been checked. Online personal account opening is explicitly restricted to French tax residents. Non-residents, foreign-registered businesses, overseas addresses and their acceptance through branch channels, complete corporate document lists and detailed business authorisations still require written confirmation or original records from the bank/competent authority. This profile does not indicate that the bank accepts any specific customer or that it is a channel for which Rengangyongsheng (Hong Kong) Limited can currently arrange appointments.

Research scope and official resources

Topic number:europe-la-banque-postale-sa

Selection records list it among the selected large French banks in The Banker Top 1000 World Banks 2026 Tier 1 capital basis; this information is only a source of candidates and does not indicate an individual ranking, account availability, or a commitment to accept applications.

Bank’s official website

Personal Eligibility and Documents

The bank’s published information states that online personal account opening is limited to natural persons who are adults and have full legal capacity, and who are tax-resident in France; applications remain subject to the bank’s review and acceptance. The bank also offers applications through post office branches. The French government’s Service-Public explains that foreigners lawfully residing in France may apply for a French bank account under general rules, but a bank may refuse to open an account. Public information does not confirm whether La Banque Postale accepts non-French tax residents, people who do not live in France or customers of specific nationalities; acceptance by the bank cannot be inferred from general legal rules.

Personal information publicly disclosed or identified

  • The bank’s published list: valid identity document (government-issued national ID card or passport); recent proof of address.
  • Examples of proof of address listed by the bank: a water, electricity, gas, or landline/internet bill dated within 3 months, or proof of address/account holder issued by a service provider and downloaded within 3 months, or the latest property tax/residential tax notice; special accommodation situations may require proof of accommodation and supporting address documentation.
  • The bank says it may require recent proof of income, giving a recent payslip (no more than 2 months old) as an example.
  • For minors aged 12–17, the bank separately requires: proof of the minor’s identity; an extract of the birth certificate or family record book; proof of the legal representative’s identity; and, if applicable, a copy of the court order appointing a guardian/representative.
  • For nationals of countries outside the EU or equivalent countries, examples of acceptable identification listed on the bank’s website include an official passport from the country of origin, a residence card, an Algerian residence certificate, or a residence-renewal receipt accompanied by the old card; whether these apply to a particular case remains subject to the bank’s review.

Company eligibility and documents

La Banque Postale publicly offers professional accounts: the Formule de Compte Pro is available to professional customers with annual turnover below 3,000,000 euros, but both account opening and payment instruments are subject to the bank accepting the application. Online applications by micro-enterprises/auto-entrepreneurs are limited to this French micro-enterprise status. The bank explicitly does not accept online applications from businesses whose activity or establishment is abroad, or from sole proprietorships not yet established, minors, or applicants using a post office box address, among others. This restriction applies to the online application described on the page and does not establish that all foreign companies are accepted or categorically prohibited from applying at a branch. The bank has not publicly confirmed whether foreign-registered companies, non-resident beneficial owners, or complex ownership structures are eligible, or which products may be available. Confirm with the bank in writing before applying.

Company information publicly disclosed or identified

  • The bank’s published page requires applicants to prepare supplementary supporting documents based on their identity, but the pages reviewed do not provide a complete, uniform list applicable to all companies. Request a current list from a professional adviser that matches the entity’s legal form.
  • General compliance preparation suggestion (not a verified La Banque Postale-specific policy): Company registry extract/registration certificate, articles of association, proof of registered and operating addresses, identification and authorization documents for directors and authorized signatories, ownership structure and ultimate beneficial owner information, business description, expected account use and transaction overview, and proof of source of funds. Foreign documents may need translation or certification; confirm the specific requirements with the bank. This suggestion is based on French Monetary and Financial Code requirements concerning customer identification, verification of corporate information, and identification of beneficial owners; it does not mean the bank has published the foregoing itemized checklist.

Address, tax, and remote / witnessed procedures

Address and tax

The personal online application expressly requires a tax residence in France. The bank’s proof-of-address rules are set out in the personal-document checklist; whether non-residents can open an account using an overseas address and which address formats are acceptable have not been publicly confirmed. French CRS rules require financial institutions to identify the residence of reportable tax residents and report the relevant tax identification number (TIN/NIF); applicants should prepare tax self-certification and the corresponding tax identification number for their actual tax-residence jurisdiction. The specific forms or proof required by France or other jurisdictions depend on the bank’s requirements. The bank-specific requirements for business addresses, French SIREN/SIRET numbers, and registration documents for foreign entities were not fully confirmed on the public pages reviewed.

Remote / witnessing

Personal online applications can be completed remotely, including filling out the application, submitting supporting documents, verifying identity, and signing. The bank’s microbusiness online account-opening page describes live video-selfie identity verification. The published process for professional business accounts requires contacting an adviser, preparing documents according to identity requirements, and meeting with a professional adviser. This does not mean that global remote account opening for non-residents is supported, nor does it establish acceptance of third-party witnessing, notarization as an alternative, overseas video verification, or all foreign identity documents; the bank must confirm the relevant channel.

Public process reference

  1. Personal online route: Confirm that the applicant meets the published conditions, including French tax residence; complete the online form and submit the required supporting documents; complete identity verification and signing; and make the initial deposit by bank card as required on the account page to confirm the application. Account opening and payment services remain subject to the bank accepting the application.
  2. Personal, non-online route: Contact La Banque Postale or a post office branch to make an appointment with an adviser; the page does not publish a dedicated process or acceptance policy for non-residents.
  3. Professional/business route: Contact a professional adviser or branch, prepare documents according to your status, and book a meeting. The bank has not published a complete list of corporate documents on the pages reviewed. The online route for micro-businesses includes completing personal and business information, uploading supporting documents, and verifying identity with a live video selfie; it applies only if the online geographic and entity requirements are met.

Compliance topics, details, and sources

Customer due diligence and beneficial owners under French anti-money-laundering and counter-terrorist-financing rules

The French Monetary and Financial Code requires financial institutions to identify and verify customers. For legal-entity customers, identification includes legal form, name, registration number, registered office and actual management address, and risk-appropriate identification and verification of beneficial owners. Depending on the risks of an individual case, a bank may make further inquiries about the business, purpose of transactions or source of funds. Public materials do not disclose La Banque Postale’s complete internal document matrix for each customer category.

Source:REGAFI — La Banque Postale bank entity record, reference ID 641

Common Reporting Standard (CRS) and Tax Residency/TIN

The French tax authority’s BOFiP explains that French financial institutions must identify reportable accounts under CRS and report information such as the account holder’s name/entity name, address, tax-residence jurisdiction, and corresponding TIN; certain passive non-financial entities also involve controlling-person information. Applicants should truthfully disclose all relevant tax residences and tax identification numbers and should not equate the location where a bank account is opened with tax residence.

Source:French Tax Authority BOFiP — CRS Reporting Obligations of Financial Institutions

FATCA (France–U.S. information exchange)

Official French tax guidance requires French financial institutions to identify and report information about U.S. reportable accounts and relevant U.S. persons/controllers, including U.S. TINs. The United States implements FATCA and is not a CRS-participating jurisdiction; this profile does not describe the United States as a CRS member or infer specific account-opening eligibility with this bank.

Source:French Tax Authority BOFiP — FATCA Reporting Obligations between France and the United States

French, EU, and UN Financial Sanctions/Asset Freezes

The French Ministry of Finance’s national frozen-assets register guidance states that United Nations, European Union, and French national asset-freezing measures implemented under French law must be applied immediately. It also advises checking transaction counterparties and customers’ shareholding/ownership, using the latest list, and keeping search records. This is a baseline for France; it is not a complete disclosure of La Banque Postale’s internal screening procedures.

Source:French Ministry of Finance — National Register of Frozen Assets and Guidance on Checks

Privacy and tax information handling

Official French CRS guidance explains that financial institutions must continue to comply with applicable data-protection laws when meeting reporting obligations. Banks may lawfully collect and use information for due diligence, tax self-certification, and reporting. Refer to the bank's current privacy documents for specific retention periods, applicant rights, and the processing notice for this account.

Source:French Tax Authority BOFiP — CRS Reporting Obligations of Financial Institutions

Deposit protection

La Banque Postale states that deposit protection by the French Deposit and Resolution Guarantee Fund (FGDR) covers deposit accounts and savings accounts up to 100,000 euros. Nationally guaranteed savings products are subject to separate exclusions or arrangements. Actual eligibility, aggregation, and exceptions are governed by FGDR rules and the nature of the product.

Source:La Banque Postale — FGDR deposit and financial instrument protection information

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 focuses on preparing applications for professional customer accounts with La Banque Postale S.A. in France. The bank’s publicly available Formule de Compte Pro is for professional customers with annual turnover below 3,000,000 euros, and account opening is subject to the bank’s acceptance. This guide does not confirm whether nonresident individuals, foreign-incorporated companies, or complex cross-border structures can open accounts. It is not applicable to treating group, wholesale, or institutional business as evidence of eligibility for retail account opening.

Date information checked:2026-10-26

Document Preparation Checklist

Company registration, representative authority, and control chain

Who it applies to
Companies registered in France and legal entities intending to apply for a professional account; preparation of materials for overseas entities is only a suggestion, and eligibility for acceptance must be confirmed separately.
Documents to Prepare
  • It is advisable to prepare a recent company registry extract or equivalent proof of registration stating the legal name, legal form, place of registration, and registration number. If the entity’s formation documents have not yet been issued, prepare an explanation of its formation status for an adviser to review.
  • It is advisable to prepare the current articles of association, details of the registered address and actual place of management, and a list of directors/legal representatives and authorized signatories, with the basis for their authority.
  • It is advisable to prepare an ownership and control chart at each level, indicating natural-person ownership/voting percentages, indirect ownership paths, methods of control and dates, and prepare supporting shareholder lists or registration materials.
Description
The bank only states publicly that customers should prepare relevant supporting documents based on their profile and meet with a professional adviser; its website does not provide one complete document checklist applicable to all companies. Under French law, legal-entity identification details include legal form, name, registration number, registered office, and a different address for the place of effective management; the forms of registration document listed in the legislation for in-person verification of a legal entity are subject to specific conditions. This should not be used to claim that the bank requires documents issued within three months for every application. Ask the bank first whether foreign documents need certification, legalization, or translation.

Source:Ouvrez un compte professionnel / La Banque Postale；Code monétaire et financier—Obligations de vigilance à l’égard de la clientèle，R.561-5、R.561-5-1、R.561-7

Applicant, beneficial owner, and tax status records

Who it applies to
Company legal representative, authorized signatories, and ultimate natural-person controllers; this is preparation guidance only and does not mean the bank has published a uniform list of personal documents.
Documents to Prepare
  • Prepare valid identity documents, residential addresses, and nationality and birth information for each relevant individual. For names in non-Latin scripts, a consistent Latin-script spelling may also be provided.
  • Prepare a list of all relevant tax-resident jurisdictions and tax identification numbers, and check how the company’s tax identification information corresponds to its registered address and actual place of business.
  • If there are nominee arrangements, trusts, funds, tiered companies, or control agreements, it is advisable to prepare the relevant legal documents and a brief description of the structure, explaining the ultimate controller and the role of each entity in the chain.
Description
French law requires customers to be identified and beneficial owners to be verified according to risk, but the bank’s public professional-account pages do not specify the document format, certification or validity period required for each type of controller. The above are preparation suggestions to help reduce back-and-forth requests for additional documents. Do not treat the conditions for opening a French online personal account as conditions for opening a company account, or the country where the bank account is opened as a person’s tax-residence jurisdiction.

Source:Ouvrez un compte professionnel / La Banque Postale；Code monétaire et financier—Obligations de vigilance à l’égard de la clientèle，R.561-5、R.561-5-1、R.561-7；Déclaration des bénéficiaires effectifs de la société / Entreprendre Service Public

Genuine business, source of funds and expected account activity

Who it applies to
Businesses applying for a professional account and the operating team intending to use it; preparatory documents for explaining the business relationship.
Documents to Prepare
  • Prepare a one-page business explanation stating the products/services, main customer and supplier categories, principal countries of operation, payment channels and the specific purpose of the requested account.
  • It is advisable to prepare the latest financial statements or management accounts, budget/revenue forecasts, and samples of major contracts or invoices to support the anticipated transaction volumes and stage of the business.
  • For initial capital contributions, shareholder loans, large transfers, or amounts unusually high compared with normal activity, it is advisable to organize a traceable source-of-funds chain, the relationship to the payer, and relevant contracts, bank statements, or financial records.
Description
These are general, risk-based suggestions for organizing documents, not a verified list of documents specified by La Banque Postale or a fixed account-statement threshold. The bank’s page says applicants must discuss their future plans with a professional adviser and that the bank must accept the application. Before applying, ask the adviser to confirm which materials are relevant to the company’s legal form, business, and proposed product.

Source:Ouvrez un compte professionnel / La Banque Postale；Code monétaire et financier—Obligations de vigilance à l’égard de la clientèle，R.561-5、R.561-5-1、R.561-7；Article L561-6—Code monétaire et financier / Légifrance

Due diligence and enhanced verification

Beneficial Owners and Actual Controllers

Basis for Verification
Official guidance for French companies identifies as beneficial owners natural persons who directly or indirectly hold more than 25% of the capital or voting rights, or otherwise exercise effective control; if nobody meets the relevant conditions, the guidance provides for identifying the legal representative. Financial institutions must identify beneficial owners and take verification measures appropriate to money-laundering risks. This is a French rule, not a threshold applicable in every jurisdiction; the extent of banks’ internal verification has not been published.
Preparation recommendation
It is advisable to calculate direct and indirect ownership percentages at each level, and separately list non-ownership bases of control such as control agreements and appointment/removal powers. Check that the structure chart matches company registration/shareholder documents. If the ownership layers are complex, attach a brief calculation explanation and be prepared to explain why a person does or does not qualify as an actual controller.
Scope
Local regulatory requirements and general preparation advice; La Banque Postale’s case-specific document formats and internal thresholds are not public.

Source:Code monétaire et financier—Obligations de vigilance à l’égard de la clientèle，R.561-5、R.561-5-1、R.561-7；Déclaration des bénéficiaires effectifs de la société / Entreprendre Service Public

Source of Funds, Source of Wealth, and Transaction Purpose

Basis for Verification
French law requires financial institutions to monitor transactions throughout a business relationship and assess whether they are consistent with their latest understanding of the customer relationship. Public bank pages do not disclose the bank’s list of source-of-funds documents, trigger amounts or review thresholds for each customer category.
Preparation recommendation
It is advisable to explain separately the company’s regular income, shareholder contributions, related-party transactions, and one-off large payments, and provide corresponding contracts, invoices, financial records, or traceable bank evidence. Explain the expected transaction currencies, frequency, regions, and types of key counterparties.
Scope
Ongoing due diligence is a statutory baseline in France; the evidence listed consists of suggestions to prepare according to the circumstances of the business and is not a hard-and-fast checklist published by the bank.

Source:Ouvrez un compte professionnel / La Banque Postale；Code monétaire et financier—Obligations de vigilance à l’égard de la clientèle，R.561-5、R.561-5-1、R.561-7；Article L561-6—Code monétaire et financier / Légifrance

Politically exposed persons, sanctions, and identity-match clarification

Basis for Verification
The bank’s public professional account-opening pages reviewed do not disclose internal PEP or sanctions screening list sources, match-handling steps or rejection rules; the legal materials reviewed state that customer and beneficial owner identification and verification are risk-based. Do not describe general verification as a single policy expressly stated by the bank, or infer that PEP status automatically leads to rejection.
Preparation recommendation
If a related person currently holds or previously held public office or is connected to a restricted jurisdiction or high-risk transaction, we recommend truthfully preparing the facts about the position/relationship and the funds and transaction background. If the name may match a list entry, prepare identifying details that distinguish the person, such as birth information, nationality, and publicly available information about the position. Do not conceal the relationship or attempt to evade screening.
Scope
General preparation suggestions and explanation of gaps in public information; no conclusion about this bank's specific PEP/sanctions policies.

Source:Code monétaire et financier—Obligations de vigilance à l’égard de la clientèle，R.561-5、R.561-5-1、R.561-7

Cross-Border Business, Tax Residence Status, and Customer Eligibility

Basis for Verification
The bank’s published professional account page requires applicants to contact an adviser and prepare documents based on their profile, but does not confirm eligibility for companies incorporated overseas, non-resident controllers or specific cross-border activities. Acceptance of all overseas clients cannot be inferred from a French domestic company or professional account product page.
Preparation recommendation
It is advisable to list the company’s place of incorporation, actual place of management, tax residence, main countries of operation, and cross-border payment routes. Prepare applicable tax residence and tax identification details for the relevant natural persons/entities, and clearly explain the business relationship between the payers, payees, and intended account use.
Scope
Eligibility and tax forms must be confirmed with the bank on a case-by-case basis. Tax and transaction information is provided only as preparation guidance; this article does not confirm the bank’s risk appetite or internal limits for any particular country.

Source:Ouvrez un compte professionnel / La Banque Postale；Code monétaire et financier—Obligations de vigilance à l’égard de la clientèle，R.561-5、R.561-5-1、R.561-7

Ongoing Compliance Requirements After Account Opening

Update customer and control information promptly

French law requires ongoing due diligence during the business relationship, and transaction reviews must be consistent with the financial institution’s latest understanding of its relationship with the customer. Companies should promptly confirm with the bank how to update information on their name, address, representatives, authorised signatories, shareholders/controllers and business activities. When information declared for a French company’s beneficial-owner registration changes, government guidance requires an amendment to be filed within 30 days of the change. That 30-day period is a statutory registration deadline, not a bank commitment on the deadline for providing additional documents; the bank’s periodic review frequency has not been published.

Source:Déclaration des bénéficiaires effectifs de la société / Entreprendre Service Public；Article L561-6—Code monétaire et financier / Légifrance

Transaction activity consistent with the business described when opening the account

While using the account, retain contracts, invoices, payment evidence and source-of-funds records to explain receipts and payments in line with the company’s stated business. If the countries in which the business operates, transaction patterns or expected volumes change materially, consider asking the bank whether its records need to be updated. French law requires ongoing review of whether transactions are consistent with the latest customer information, but the bank has not publicly specified monitoring thresholds, frequency or a uniform advance-notification process.

Source:Ouvrez un compte professionnel / La Banque Postale；Article L561-6—Code monétaire et financier / Légifrance

Review documents and maintain tax information

The bank may request supplementary information or reverify it during the business relationship; ensure that company registration, authorization documents, and tax residency information can be updated and are consistent with one another. The public information reviewed does not confirm La Banque Postale’s review cycle, the update frequency for tax self-certifications, or the procedure for handling accounts if a customer does not respond promptly; refer to the account agreement and bank notices.

Source:Ouvrez un compte professionnel / La Banque Postale；Code monétaire et financier—Obligations de vigilance à l’égard de la clientèle，R.561-5、R.561-5-1、R.561-7

Please confirm with the bank before booking

  1. Based on our place of incorporation, place of effective management, annual turnover, and ownership structure, can we apply for Formule de Compte Pro, or should we choose another professional account?
  2. Please provide the current company document checklist for our company's legal form, and confirm the acceptable version/issue date of registry extracts, as well as translation, authentication, or legalisation requirements for foreign documents.
  3. How far down the ownership chain does the bank require disclosure of natural-person beneficial owners or controllers? For a structure with no natural person holding more than 25% but with other forms of control, what supporting evidence must be submitted?
  4. Must we provide a business plan, financial statements, contracts, expected payment volumes or proof of source of funds? Please specify the requirements and document formats applicable to us.
  5. Could non-resident directors/controllers, foreign shareholders, or countries and currencies involved in cross-border transactions affect the application channel or eligibility? Can identity verification be completed remotely?
  6. After account opening, which changes to company, authorization, beneficial ownership, or tax information must be reported to the bank proactively? What are the bank’s review cycle, submission channels, and consequences of failing to respond in time?

Not confirmed by public information

  • The bank’s professional account webpage does not provide a complete list of documents covering every type of company. An adviser should confirm the specific documents, whether originals or certified copies are required, and the translation and certification formats in writing for each case.
  • No public confirmation has been found of eligibility for foreign-incorporated companies, non-resident controllers, foreign addresses, or specific cross-border business activities, or of remote verification methods or the scope of accepted country risks.
  • The bank has not published internal PEP/sanctions review procedures, source of funds evidence thresholds, risk scoring, review cycles, or transaction monitoring limits; no assumptions should be made.
  • Professional account products require the bank to accept the application. Appointments, requests for additional documents, review timeframes, specific fees and account-opening outcomes are subject to the bank’s current pricing and written response.

Sources & Scope of Verification

  1. Ouvrez un compte professionnel / La Banque Postale

    The bank says professional-account applicants should contact an adviser, prepare supporting documents according to their individual or business profile, and book an appointment. Formule de Compte Pro is for professionals with annual turnover below 3,000,000 euros; account opening and payment instruments are subject to the bank’s acceptance. The website does not provide a uniform document checklist for each type of company.

  2. Code monétaire et financier—Obligations de vigilance à l’égard de la clientèle，R.561-5、R.561-5-1、R.561-7

    I reviewed the provisions explaining customer/corporate identity information, specific identification methods, checks on representative authority, and risk-based verification of beneficial owners for money-laundering purposes; this is only a baseline under French law and does not establish the bank’s document requirements in each case.

  3. Déclaration des bénéficiaires effectifs de la société / Entreprendre Service Public

    The French government states that beneficial-owner identification includes direct or indirect holdings of more than 25% of capital or voting rights and other forms of control; it also states that changes to a company’s beneficial-owner information must be reported within 30 days. This is a French company-registration rule, not a universal global standard.

  4. Article L561-6—Code monétaire et financier / Légifrance

    French law requires ongoing due diligence throughout the business relationship and careful scrutiny of transactions to ensure they remain consistent with the latest understanding of the business relationship; it does not prescribe the bank’s specific monitoring limits or review frequency.

Fees and timelines

Do not present unpublished or unverified fees, minimum deposits, or approval timeframes as conditions applying across the bank. The bank's micro-business product page lists a package starting at 9.80 euros/month (the page states it takes effect on 2026-01-01 and may change). The bank card package page separately lists prices including cards: Business 14.30 euros/month, Gold 20.80 euros/month, and Platinum 28.55 euros/month; annual card fees are 54, 132, and 225 euros, respectively. These are prices for specific micro-business products/card types and do not represent prices for ordinary personal accounts, other business accounts, or non-residents. The 15 minutes stated on the personal account-opening page refers to the advertised online application process, not the account review or opening timeframe. No minimum deposit or specific approval timeframe was confirmed on the pages reviewed.

Limitations and practical considerations

  • Online personal account opening is explicitly available only to adult natural persons with full legal capacity who are tax-domiciled in France; foreign nationality does not automatically imply eligibility to apply online, and the non-resident policy has not been confirmed.
  • The bank may refuse an application; products and payment instruments are subject to approval.
  • The applicable turnover limit stated for the professional account Formule de Compte Pro is annual turnover below 3,000,000 euros; check the product eligibility requirements for other professional customer categories.
  • The micro-business page explicitly declines online applications where the activity or institution is located abroad and lists other circumstances in which online applications are not accepted; this must not be expanded into a blanket refusal rule for all channels.
  • Public confirmation was not found for individual decisions involving offshore-registered companies, non-residents, hits in sanctions screening, or complex ownership structures. No advice on evading screening is provided.
  • Neither public information nor this profile establishes that this is an account-opening channel for which Rengangyongsheng (Hong Kong) Limited can currently arrange appointments, provide application assistance, or guarantee acceptance. Confirmation must be obtained directly from La Banque Postale.

Licensing evidence and regulatory verification

A specific entity registration has been found: the REGAFI bank record maintained by ACPR lists “La Banque Postale” by name, reference ID 641, category “Établissement de Crédit” (credit institution), and shows the entity’s European passport information. ACPR states that REGAFI is updated daily. The bank’s website legal notice confirms that the operating bank’s legal entity is La Banque Postale S.A., regulated by ACPR and AMF. This confirms a corresponding entity and a current regulatory-directory record; the reference ID is not being treated as a license number. The details extracted from the REGAFI record of authorized activities in France are incomplete, so the specific scope/codes of authorized business activities should still be confirmed against the original fields in the competent authority’s records and in writing with the bank.

French Prudential Supervision and Resolution Authority (ACPR, part of Banque de France) Official registration or record

Information sources

  1. La Banque Postale — online personal account opening and steps

    The bank’s published requirements for online personal account applications include submitting supporting documents, identity verification, signing and an initial deposit, subject to the bank’s review and acceptance, as well as account and card restrictions. Do not generalize product marketing prices as rates applicable across the bank.

  2. La Banque Postale — personal account opening document checklist

    Valid personal identification, recent proof of address, possibly requested proof of recent income, and the bank’s examples of acceptable proof of address, identification examples for foreign nationals and documents for minors.

  3. La Banque Postale — online account opening eligibility information

    The bank expressly states that online account opening is for natural persons who are adults, have full legal capacity, and are tax-resident in France. The online process is outlined, and applications are subject to review.

  4. La Banque Postale — professional customer account products and process

    Professional account consultation, document preparation according to status, and meetings with a professional adviser; account opening and payment tools are subject to the bank accepting the application.

  5. La Banque Postale — micro-enterprise account conditions, online restrictions, and pricing

    Online steps for micro-business products, real-time video selfie verification, circumstances in which online applications are not accepted, such as activities/institutions located abroad, and the rates and effective date published on the page for that specific product.

  6. La Banque Postale — professional account legal forms and turnover eligibility

    Eligibility for Formule de Compte Pro based on annual revenue below 3,000,000 euros; account opening is subject to application; business account inquiry, document, and meeting steps; and the online process for micro-enterprises.

  7. Official French ACPR—REGAFI Register Information

    REGAFI is France’s register of authorized banking, payment and related financial entities, updated daily. It explains that entities should be checked under their exact legal names and provides access to records for banking institutions.

  8. REGAFI — La Banque Postale bank entity record, reference ID 641

    The register lists La Banque Postale, reference ID 641, its French headquarters, and its credit institution category, as well as a European passport record. The extracted page does not provide complete details of authorized activities in France; therefore, it does not claim to have verified every specific licensed activity.

  9. French Tax Authority BOFiP — CRS Reporting Obligations of Financial Institutions

    Under the French CRS reporting framework, financial institutions report the tax residence, address, TIN, account information, and information on controlling persons of certain passive entities for reportable accounts, and must comply with applicable data-protection laws.

  10. French Tax Authority BOFiP — FATCA Reporting Obligations between France and the United States

    Official requirements for French financial institutions to identify and report U.S. reportable accounts, information on U.S. persons and controlling persons, TINs, and account information.

  11. French Ministry of Finance — National Register of Frozen Assets and Guidance on Checks

    French register of asset-freezing measures implemented by the United Nations, the European Union and France; advises screening transaction parties and shareholdings, checking the latest lists and retaining the results.

  12. La Banque Postale — FGDR deposit and financial instrument protection information

    The bank states that French FGDR deposit protection covers deposit and savings accounts up to 100,000 euros (excluding state-guaranteed savings products), and describes the category of protection for financial instruments.

  13. La Banque Postale — legal notice and information on the legal operating entity

    The bank’s official legal notice lists La Banque Postale S.A.’s legal form, registered office in Paris, RCS number, status as a French credit institution, and regulation by ACPR/AMF.

  14. French government Service-Public—rules for opening a personal bank account

    General information on account-opening identification requirements for foreigners legally residing in France, banks' ability to request proof of address, their right to refuse to open an account, and rights relating to French accounts. These general rules do not establish that La Banque Postale accepts non-residents.

  15. French Monetary and Financial Code — Customer Due Diligence and Beneficial-Owner Verification

    French financial institutions’ requirements for customer identification/verification, legal-form and registration information for legal entities, beneficial-owner identification and verification, and risk-based due diligence; this does not claim that the bank has an internal policy requiring each item.