Droit au compte
Droit au compte is the French legal right to a basic bank account, letting anyone refused by banks ask the Banque de France to designate a bank that must open a basic account.
Droit au compte operates in the French Banking segment.
Droit au compte: Core Facts
- Definition
- The legal right to a basic bank account in France
- What it provides
- Basic banking services (services bancaires de base)
- When it applies
- After being refused an account by a bank
- What it is not
- Not credit, overdraft, or a premium account
- Who can use it
- Anyone without a bank account who has been refused
- Regulator
- ACPR (Banque de France)
- Status
- Active Definition
- Verified
How Droit au compte compares
Droit au compte is NOT a free premium account and NOT a guarantee of credit; it is the right to a basic banking service (services bancaires de base). It applies when banks refuse to open an account, not to overdrafts or loans.
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Droit au compte: Frequently Asked Questions
What is droit au compte?
Droit au compte is the French legal right to a basic bank account, letting anyone refused by banks ask the Banque de France to designate a bank that must open a basic account.
How do I use droit au compte?
Droit au compte is triggered after a bank refuses you; you then apply to the Banque de France, which designates a bank obliged to open a basic account for you.
Does droit au compte include credit or overdraft?
Droit au compte only covers basic banking services and does not include credit or an overdraft, so it guarantees an account but not lending.
Related Entities
Other entities covered on the Open a Bank Account page:
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Maintained by Jules de Bruin (How to France). This page follows the Grounding Page Standard v1.5. Last verified: 2026-06-23.