Overview
Fiducial Banque, at a glance.
Fiducial Banque is a bank headquartered in France, regulated by ACPR. The company behind Fiducial Banque is Banque Fiducial. Business accounts cost €12 a month. Opening an account takes 3–5 days.
Banque FIDUCIAL SA is a French credit institution authorised by the ACPR, and an investment services provider authorised by the AMF. Deposits are covered by the French deposit guarantee fund (FGDR) up to €100,000 per depositor.
Why businesses pick Fiducial Banque
- A French bank, part of an accounting group
- Unlimited SEPA transfers and direct debits on every plan
- A route for companies being formed, with a capital-deposit certificate
- Card acceptance from 0.9% for EEA consumer cards
- A dedicated adviser
Watch out for
- Directors and shareholders must be French tax residents
- €12 to €45 a month excluding VAT
- Card prices by plan not published
- Trustpilot score of 2.4 from 53 reviews
- No list of refused industries published
Business fit
Will Fiducial Banque accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on Fiducial Banque's published rules
Likely no
Fiducial Banque does not list United Kingdom among the countries where it accepts companies.
Fiducial Banque does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What Fiducial Banque publishes about the businesses it takes on.
Who Fiducial Banque serves
- Startups and SMEs
- Freelancers
- Professional services
- NGOs and charities
- Healthcare
Not supported
Industries and countries Fiducial Banque does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use Fiducial Banque?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
EUR
Payment reach
Not published
Who can apply
Company incorporation countries1 countries · show list
- France
Owner nationality
Not publishedOwner residency1 countries · show list
- France
Company types
Small businesses and sole traders, Tradespeople, merchants and farmers, Liberal professions, Associations, Companies being formed
Pricing
What does Fiducial Banque cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Not published
Monthly fee
€12–45
depends on plan
PRO Base
Lowest cost€12 per month
Setup fee not published
PRO Plus
€25 per month
Setup fee not published
PRO Excellence
€45 per month
Setup fee not published
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Incoming | ||
| SEPA | Free | No charge · Unlimited |
| Outgoing | ||
| SEPA | Free | No charge · Unlimited, on every plan |
Other fees
Payment acceptance
| Cost | Listed amount | How it is charged |
|---|---|---|
| Card payments | 0.9% | Percentage of the amount · EEA consumer cards; non-EEA cards €0.50 + 1.2% |
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | Not published |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Choose the route
Company being formed or registered company.
- 2
Apply online
Submit the application and choose the plan and options (about 10 minutes).
- 3
Documents
Upload the company, director, shareholder and address documents; directors and shareholders must be French tax residents.
- 4
Account live
Complete the checks and sign the agreement; you get online access and an adviser.
Documents you need
Not published
FAQ
Your questions, answered.
Is Fiducial Banque a bank?
Yes. Banque FIDUCIAL SA is a French credit institution authorised by the ACPR (bank code 11449) and an investment services provider authorised by the AMF. Deposits are covered by the FGDR up to €100,000.
How much does it cost?
PRO Base €12, PRO Plus €25 and PRO Excellence €45 a month excluding VAT, each with unlimited SEPA transfers and direct debits.
Who can open an account?
Small businesses, sole traders, tradespeople, farmers, liberal professions and associations in France, including companies still being formed. Directors and shareholders must be French tax residents.
Can I deposit share capital?
Yes. A capital-deposit certificate is free if the account stays open for the period set by the plan, otherwise €100 excluding VAT.
Alternatives
How Fiducial Banque compares.
If Fiducial Banque is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 Fiducial BanqueThis pageBank |  | FranceCompanies in formation |
 L by LCL ProBank | | BankInvoicing |
 Hello bank! ProBank | | BankSole traders |
 QontoPayment institution | | FreelancersInvoicing tools |
 ShinePayment institution | | French IBANFree plan |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.