Jethro Posted November 18, 2015 Share Posted November 18, 2015 Bonjour a tous,I am 21 years old living inFrance and have recently registered as an Autoentrepreneur, with anexpected income (monthly) of between 1-2k EUR.I have attempted to open abank account at both Banque Populaire and La Post just this morningand both banks have tried to force a Professional account on mesaying... "it is illegal to have a 'normal' bank account as anautoentreprenure".I was quoted at beingcharged 50 EUR monthly and 80EUR every three months for a professionalaccount.I believe this is false. I understand thatAutoentrepreneurs are required by law to have a dedicated bankaccount for their businesses, however that is not the same as a professional bank account. What I need is a NORMAL business bankaccount.What is the best approach tomake it clear to the bank personnel that I am entitled to a normalBUSINESS bank account?Thanks for taking the timeto read,Best regards – Jethro. Link to comment Share on other sites More sharing options...
Quillan Posted November 18, 2015 Share Posted November 18, 2015 Welcome to the ForumI would suggest you do a bit of Googling and try this as a search criteria.tarif banque auto entrepreneurI did find that the Banque Postale does one from 16 Euros per month depending what other 'goodies' you want like a Visa card and Internet banking.https://www.labanquepostale.fr/professionnels/services/compte_pro.htmlYou do have to have a business account, that's for sure. You also need Public Liability insurance or so say the ones I looked at. Link to comment Share on other sites More sharing options...
suein56 Posted November 18, 2015 Share Posted November 18, 2015 I am not sure how good your French is but here :http://droit-finances.commentcamarche.net/forum/affich-4295468-ouverture-d-un-compte-pro-auto-entrepreneurIt says that the rules changed on Jan 1st 2015 but that it might still be possible to use an adjusted current account.Also someone posting is very against LaPoste banking as they are very slow in processing credits but very quick to process debits !Sue Link to comment Share on other sites More sharing options...
Chancer Posted November 18, 2015 Share Posted November 18, 2015 Just go and open a personal account at any bank of your choice and use that for your AE earnings. If people write the cheque to your business name just sign the back and pay it in in the usual manner, my bank doesnt check anything. I dont even use a seperate bank account but I am not currently an AE, to me its like many of the other requirements like keeping a ledger of expenses, a complete waste of time given that you cannot claim against overheads, the only possible use would be for them to try and see if you are declaring the true chiffre d'affaires. I wont (willingly) do anything that consumes up my time and only benefits the enemy, a seperate bank account falls into that category. Link to comment Share on other sites More sharing options...
EuroTrash Posted November 18, 2015 Share Posted November 18, 2015 AFAIK you can't officially use a trading name as an AE in any case, since the business is you, there is no separate entity, it is registered under your own name. Hence why a personal account is OK I suppose.Have to say I thought it was all a waste of time when they brought it in but having had a separate account for a year, I find it has many advantages. Link to comment Share on other sites More sharing options...
Chancer Posted November 18, 2015 Share Posted November 18, 2015 No question about that as long as you are not paying €500 in bank charges for a part time job earning pin money, it seems to be the French way to clobber businesses from every angle. I'm sure many of us have more than one UK bank account, you move to another because its a better deal but keep the old one just in case, I still have a Nationwide account that no longer suits me but is used simply to receive and then pay back £500 per month fram Santander meaning that I can get 3% interest on a second Santander One account, of course each bank plies you with free credit cards that give one a good line of credit in an emergency. Now I dont know a single French person that has more than one current account, the charges see to that and the banks will consider you a money launderer if you try to open a second one, however pay them €500 for un compte pro and suddenly you are legit AKA un pigeon. Link to comment Share on other sites More sharing options...
EuroTrash Posted November 18, 2015 Share Posted November 18, 2015 My second current account at CA costs 60 cents a month. Link to comment Share on other sites More sharing options...
Jethro Posted December 2, 2015 Author Share Posted December 2, 2015 Hi all,I want to truely thank you all for your kind and considered replies.Yesterday I went to Credit Agricole and successfully opened a bank account. The staff were extremely helpful - far more so then the other banks. I explained my situation and they offered an option that cost 4EUR per month that includes online banking etc... very pleased with Credit Agricole and will recommend.Kind regards!Jethro. Link to comment Share on other sites More sharing options...
mint Posted December 2, 2015 Share Posted December 2, 2015 Well done, Jethro, your persistence has provided you with a solution.However, I think I'd just mention that, whilst you are very happy with your branch of CA, the service (and personel) can vary widely between different branches.Therefore, only recommend the branch that you have experience with. Certainly there are many on here who have had less than happy experiences with CA.BTW, Good Luck with your new enterprise[:)] Link to comment Share on other sites More sharing options...
Jethro Posted December 2, 2015 Author Share Posted December 2, 2015 Haha, that's a good point I well keep in mind for the future! Thanks and all the best for you too. Link to comment Share on other sites More sharing options...
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