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France × Banking & Capital Access
Banking & Capital Access in France
Bank accounts, loans and investors in another market. In France, that means local law, local regulators and local practice, handled by a qualified professional who practises there.
Who handles this work
On request
WONE Global can find the right Banking & Capital Access professional in France for you.
No WONE Global Partner holds this yet. Send us your requirement: WONE Global confirms whether a vetted Associate firm can act, tells you who it is and checks for conflicts before any work begins.
Bring a requirement →France at a glanceWestern Europe
Paris · Tuesday 3 November
21:49
Local time
- Currency
- EUR
- Working week
- Monday – Friday
- Dialling code
- +33
- Region
- Western Europe
What the rules say in France
Banking & Capital Access, the essentials
From the France market guide: the points that matter most for banking & capital access, each with the source it was checked against.
Full guide · Source-checked research97% of statements checked against a source143 checked against an official source4 checked against a secondary sourceChecked 2026-10-19Not yet professionally reviewed
For an SAS, SARL or SA, cash share capital must be deposited in a blocked account with a bank or a notary before the articles are signed and before registration; payment institutions are not accepted and the Caisse des dépôts has not taken deposits since 1 June 2021.
Commercial companies. The deposit is optional for civil companies. The depositary issues a certificate of deposit required for registration.Service Public Entreprendre (DILA, Prime Minister's Office) · checked 2026-10-18Deposited share capital is released to the company only once it provides proof of registration, either a Kbis extract from the RCS or an extract from the Registre national des entreprises (RNE).
Service Public Entreprendre (DILA, Prime Minister's Office) · checked 2026-10-18A French bank may refuse to open a business account, but it must issue a written refusal certificate within 15 days of receiving the request, and silence for more than 15 days counts as a refusal.
The certificate must give the reason and mention the right to an account through the Banque de France.Service Public Entreprendre (DILA, Prime Minister's Office) · checked 2026-10-18Under the right-to-an-account procedure (droit au compte), the Banque de France must designate a bank within 24 hours of receiving a complete file, and the designated bank must open the account within 3 business days of a complete file.
Companies domiciled in France that hold no deposit account in France and can prove a refusal. The designation is valid for six months.Service Public Entreprendre (DILA, Prime Minister's Office) · checked 2026-10-18An account opened under the droit au compte must include a set of 12 basic banking services free of charge, excluding overdrafts, and the bank must give at least 45 days' notice to close it.
Service Public Entreprendre (DILA, Prime Minister's Office) · checked 2026-10-18A company applying for the droit au compte must provide the legal representative's identity document, a Kbis or RNE extract less than three months old, the refusal letter or proof of a request more than 15 days old, and a sworn statement that it holds no deposit account in France.
Filing is online through the Banque de France personal space, by post or at a branch.Service Public Entreprendre (DILA, Prime Minister's Office) · checked 2026-10-18Tracfin, the financial intelligence service of the Ministry of the Economy, receives suspicious-transaction reports from the more than 50 professions subject to anti-money-laundering obligations under the Monetary and Financial Code.
Obliged professions include banks, insurers and digital asset service providers, and in the non-financial sector notaries, casinos and commercial court clerks, among others. The financial sector provides nearly 93% of reports.Ministère de l'Économie (economie.gouv.fr) · checked 2026-10-19
Read the full guide: Banking, accounts and capital flows
Scope
What the service covers here
- 01Identify suitable banking or capital channels
- 02Prepare the business for onboarding or funding discussions
- 03Coordinate documentation and due diligence
- 04Support execution with relevant institutions
Key questions
What we will work through with you
- What needs to be decided before banking & capital access work starts?
- Who is professionally responsible in each country?
- Which other work, such as tax or employment, must happen at the same time?
- What information and decisions are needed from the business?
If your work involves another country or another area of expertise, WONE Global brings in the right professional and keeps all advisers informed.
Also in France
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Cases
What clients bring to Banking & Capital Access
The cases this service leads or joins, each with what is at stake, how WONE Global handles it and who handles it in France.
Urgent Our bank says it will close our account. Can we stop it?Banking, lending & secured financeWhy won't any bank open an account for our new foreign company?Banking, lending & secured financeHow do we get working capital for our business abroad?Banking, lending & secured financeWhich bank should we use in a new country, and how do we get accepted?Banking, lending & secured financeCan our company abroad borrow from a foreign lender?Banking, lending & secured financeOur investment can't meet its debt payments. What are our options?Restructuring, insolvency & business recoveryI live abroad. How should I hold investments back home?Personal wealth, expatriates & tax residenceBanks keep refusing or delaying my accounts abroad. Why?Personal wealth, expatriates & tax residenceUrgent An insider trading investigation has begunCapital markets & listed companiesOur company is preparing for an IPOCapital markets & listed companies
WONE Global Intelligence
Ask about banking & capital access in France
Ask in your own words. Answers come from WONE Global's checked records, with every source shown, and end with the named Partner who can act. Go deeper on any point, or build a decision file.
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