# Fiducial Banque: Business account

> A French bank for small businesses, tradespeople, farmers, liberal professions and associations, from the Fiducial accounting group: online professional accounts with unlimited SEPA transfers and direct debits on three plans at €12, €25 or €45 a month excluding VAT, and a route for companies being formed. Directors and shareholders must be French tax residents.

Finzil profile: https://finzil.com/providers/fiducial-banque · Provider website: https://fiducial.fr · Facts checked: 2026-10-20

## Key facts

- **Monthly fee:** €12 (excl. VAT; Plus €25, Excellence €45)
- **Setup fee:** Not published
- **Currencies:** 1 (EUR)
- **Onboarding:** 3–5 days (typical)
- **Provider type:** Bank
- **IBAN:** French IBAN in the company's name
- **Payment rails:** SEPA, SEPA direct debit, international transfers
- **Cards:** Bank cards by plan
- **Safeguarding:** Deposit guarantee (FGDR)
- **Remote opening:** Yes
- **Non-residents:** Not accepted
- **Headquarters:** France
- **Trustpilot:** 2.4 from 53 reviews (checked 2026-10-20)

## Who can apply

- **Non-resident owners** (owner or director living outside the company's country): Not accepted
- **Countries of incorporation accepted:** France (only these)
- **Countries of incorporation refused:** Not published
- **Owner residency accepted:** France
- **Owner residency refused:** Not published
- **Owner nationality refused:** Not published
- **Company types accepted:** Small businesses and sole traders, Tradespeople, merchants and farmers, Liberal professions, Associations, Companies being formed

## Industries

- **Industries served:** Startups and SMEs, Freelancers, Professional services, NGOs and charities, Healthcare
- **Prohibited industries (provider's own list):** Not published

## Licences

- France: ACPR, Credit institution, Banque Fiducial, register no. 11449 (https://www.regafi.fr/)

Safeguarding: 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.

## Fees

Source: https://www.fiducial.fr/BanquePro/Tarifs (checked 2026-10-20)

### Plans

- **PRO Base:** 12 EUR a month
- **PRO Plus:** 25 EUR a month
- **PRO Excellence:** 45 EUR a month

### Incoming

- SEPA: Free · Unlimited

### Outgoing

- SEPA: Free · Unlimited, on every plan

### Payment acceptance

- Card payments: 0.9% · EEA consumer cards; non-EEA cards €0.50 + 1.2%

### Currency exchange (FX)

- FX markup: Not published

## Opening an 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: Not published

## Pros and cons

- Pro: A French bank, part of an accounting group
- Pro: Unlimited SEPA transfers and direct debits on every plan
- Pro: A route for companies being formed, with a capital-deposit certificate
- Pro: Card acceptance from 0.9% for EEA consumer cards
- Pro: A dedicated adviser
- Con: Directors and shareholders must be French tax residents
- Con: €12 to €45 a month excluding VAT
- Con: Card prices by plan not published
- Con: Trustpilot score of 2.4 from 53 reviews
- Con: No list of refused industries published

## Finzil's take (opinion)

Fiducial Banque suits French small businesses that already use the Fiducial group for accounting and want a bank with an adviser and a route for companies being formed. Its plans cost more than the online banks, and owners must be French tax residents.

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## FAQ

**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.

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