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Joined 1 year ago
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Cake day: March 2nd, 2025

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  • I’d question that reading.

    EDIT: Since i have a bit of free time.

    • Opening bank accounts in another country

    Access to bank accounts

    The law says that consumers legally resident in the European Union (EU) have the right to open a payment account with basic features in any EU Member State. However, a person wishing to open such a bank account should always comply with EU anti-money laundering rules.
    A basic bank account includes various services such as cash withdrawals at a bank counter or cash machines and the execution of payment transactions such as direct debits or credit transfers within the EU.
    

    From https://eur-lex.europa.eu/EN/legal-content/summary/opening-switching-bank-accounts-and-information-on-fees.html

    Or:

    You may want or need to open a bank account in your home country or in another EU country.

    If you are legally resident in an EU country you are entitled to open a “basic payment account”. Banks cannot refuse your application for a basic payment account just because you don’t live in the country where the bank is established.

    from https://europa.eu/youreurope/citizens/consumers/financial-products-and-services/bank-accounts-eu/index_en.htm

    • rejecting foreign IBANs

    The Commission agrees that refusing Single Euro Payments Area (SEPA) cross border direct debits is a breach of the SEPA Regulation[1]. National competent authorities designated under Article 10 of the regulation are primarily responsible for addressing this practice also known as International Bank Account Number (IBAN) discrimination. […]

    From https://www.europarl.europa.eu/doceo/document/E-9-2020-005659-ASW_EN.html

    And:

    National accounts used for credit transfers and direct debits within each SEPA member country should also be accessible throughout the EU. This is known as reachability. The same rules apply to both national and cross-border operations. Payment systems should be interoperable with each other. The regulation requires credit transfers and direct debit transactions to meet certain conditions, including:

    the use of international bank account numbers (IBANs), bank identifier codes (BICs) and a financial messaging standard for all payments in euro;
    the right of payers to issue specific instructions, such as the amount and frequency of a direct debit.
    

    From https://eur-lex.europa.eu/EN/legal-content/summary/single-euro-payments-area-regulation.html


  • You wrote:

    I am a legal EU resident in another country and cannot open an account in France, Germany, and many other countries. That’s the problem.

    Which is completely false. It’s not as easy as if you are a resident but it’s not impossible.

    Is it impossible for you to accept that we have different experiences?

    No, and it’s totally fine we have different experiences, but don’t say it’s impossible since that’s not the case. That was my point.



  • You are a French tax resident with no tax obligations in another country"

    I assume this is the problem, right? You will only became a tax resident when you live 180 days in the country (check the number of days). This means that in the near future they will ask you to prove that you are tax resident.

    If you check the documents to open an account you just need:

    • une pièce d’identité en cours de validité (Eng: a valid identity document)
    • un justificatif de domicile récent (Eng: proof of recent domicile)
    • les derniers justificatifs de revenus pourront vous être demandés. (Eng: You may be asked for the latest income receipts.)

    https://www.labanquepostale.fr/particulier/comptes-et-cartes/ouvrir-un-compte/pieces-justificatives.html

    I moved between EU countries and between EUR and non-EUR, and even because of business had to go to another country for opening an account (without even had lived there) and never had troubles.

    Anyway as an immigrant/expat it’s always better to do this kind of stuff in person, as the online templates are usually for the most common client - the natives.

    The next one in the search results was “Credit Agricole”. To open a bank account, you need to enter your postal code

    Off course, to where do you want for them to send the letters?

    and it only accepts French post codes.

    Again, go to the physical location and they will let you open. I have done that (not with those banks and not in france).


  • I moved between countries and it was very easy. Went to the bank (physical location) and showed my id, and the rent contract (so i could prove my address). They opened the bank account immediately.

    Moving away: close your bank account, you must live in the country to have a bank account here.

    I never encountered a bank that did this. I’m pretty sure this is illegal.

    Moving to: you must open a bank account here, we don’t accept foreign IBANs

    Again, this is false.

    The app thingy is true unfortunately.