Overview
L by LCL Pro, at a glance.
L by LCL Pro is a bank (crédit agricole group) headquartered in France, regulated by ACPR / ECB. The company behind L by LCL Pro is Crédit Lyonnais. Business accounts cost €9 a month. Opening an account takes 3–5 days.
L by LCL is a brand of Crédit Lyonnais (LCL), a French credit institution in the Crédit Agricole group. Deposits are covered by the French deposit guarantee fund (FGDR) up to €100,000 per depositor.
Why businesses pick L by LCL Pro
- €9 a month excluding VAT, free for existing LCL personal customers
- 40 transfers and direct debits a month included, then €0.40 each
- Visa Platinum Business card and five virtual cards included
- Kolecto invoicing, quotes and pre-accounting included
- Open to SAS and SARL as well as one-person businesses
Watch out for
- Only for businesses domiciled in France
- Card payments in foreign currency cost 1.9%
- Two euro cash withdrawals a month included, then €2 each
- EUR only
- No list of refused industries published
Business fit
Will L by LCL Pro 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 L by LCL Pro's published rules
Likely no
L by LCL Pro does not list United Kingdom among the countries where it accepts companies.
L by LCL Pro 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 L by LCL Pro publishes about the businesses it takes on.
Who L by LCL Pro serves
- Freelancers
- Startups and SMEs
- Professional services
Not supported
Industries and countries L by LCL Pro does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use L by LCL Pro?
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
Micro-entrepreneurs and sole traders (EI), EURL, SASU, SAS and SARL
Pricing
What does L by LCL Pro 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
Free
Monthly fee
€9
L by LCL Pro
€9 per month
€0 setup · €108 in year one
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Outgoing | ||
| SEPA | Free | No charge · 40 transfers and direct debits a month included, then €0.40 each |
| SEPA Instant | Free | No charge · Within the 40 a month, then €0.40 |
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | Not published |
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Physical card issue | Free | No charge · Visa Platinum Business and 5 virtual cards included |
| Card FX | 1.9% | Percentage of the amount · Card payments in foreign currency |
| ATM withdrawal | €2 | Fixed fee · After 2 free euro withdrawals a month |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Download the app
Open the L by LCL Pro app.
- 2
Company details
Enter the company's information (about 10 minutes).
- 3
Offer and card
Choose the offer and the card.
- 4
Account live
Complete the digital verification; the account is created in the app.
Documents you need
Not published
FAQ
Your questions, answered.
Is L by LCL a bank?
Yes. It is a brand of Crédit Lyonnais (LCL), a French credit institution in the Crédit Agricole group (bank code 30002). Deposits are covered by the FGDR up to €100,000.
How much does L by LCL Pro cost?
€9 a month excluding VAT, or €0 for existing LCL personal customers. It includes 40 transfers and direct debits a month (then €0.40 each), a Visa Platinum Business card, five virtual cards and two euro cash withdrawals a month (then €2). Foreign-currency card payments cost 1.9%.
Who can open it?
Micro-entrepreneurs, sole traders (EI) and companies (EURL, SASU, SAS, SARL) domiciled in France.
Is invoicing included?
Yes, through Kolecto: quotes, e-invoicing, pre-accounting and treasury tools.
Alternatives
How L by LCL Pro compares.
If L by LCL Pro is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 L by LCL ProThis pageBank (Crédit Agricole group) |  | FranceSmall companies |
 Hello bank! ProBank | | BankSole traders |
 BoursoBank BusinessBank | | BankFree account |
 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.