Normally after or at the first transaction Pay Pal will invite you to invest funds with the PayPal of your country (reading this from your IP address) You should have received an email from them about this, for some reason you have not been notified of this. But it is not a problem you just have to open an account with :PayPal.fr and as a local transaction will not be charged at the same rate. I run a website business and divert the customer via there IP to the correct payment account automatically . Regarding Credit Agricole i kicked them into touch long ago, both business and private accounts, and now use Caisse D`Epargne. Bob Goff Software Harvest .com