# L by LCL Pro: Business account

> LCL's app-based professional account for French micro-entrepreneurs, sole traders and small companies (EI, EURL, SASU, SAS, SARL): €9 a month excluding VAT (free for existing LCL personal customers), 40 transfers and direct debits a month, a Visa Platinum Business card, five virtual cards and Kolecto invoicing.

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

## Key facts

- **Monthly fee:** €9 (excl. VAT; €0 for LCL personal customers)
- **Setup fee:** Free
- **Currencies:** 1 (EUR)
- **Onboarding:** 3–5 days (typical)
- **Provider type:** Bank (Crédit Agricole group)
- **IBAN:** French IBAN
- **Payment rails:** SEPA, SEPA Instant
- **Cards:** Visa Platinum Business and 5 virtual cards
- **Safeguarding:** Deposit guarantee (FGDR)
- **Remote opening:** Yes
- **Non-residents:** Not accepted
- **Headquarters:** France

## 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:** Micro-entrepreneurs and sole traders (EI), EURL, SASU, SAS and SARL

## Industries

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

## Licences

- France: ACPR / ECB, Credit institution, Crédit Lyonnais, register no. 30002 (https://www.regafi.fr/)

Safeguarding: 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.

## Fees

Source: https://www.l.lcl.fr/pro/tarifs (checked 2026-10-20)

### Plans

- **L by LCL Pro:** 9 EUR a month

### Outgoing

- SEPA: Free · 40 transfers and direct debits a month included, then €0.40 each
- SEPA Instant: Free · Within the 40 a month, then €0.40

### Currency exchange (FX)

- FX markup: Not published

### Cards

- Physical card issue: Free · Visa Platinum Business and 5 virtual cards included
- Card FX: 1.9% · Card payments in foreign currency
- ATM withdrawal: €2 · After 2 free euro withdrawals a month

## Opening an 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: Not published

## Pros and cons

- Pro: €9 a month excluding VAT, free for existing LCL personal customers
- Pro: 40 transfers and direct debits a month included, then €0.40 each
- Pro: Visa Platinum Business card and five virtual cards included
- Pro: Kolecto invoicing, quotes and pre-accounting included
- Pro: Open to SAS and SARL as well as one-person businesses
- Con: Only for businesses domiciled in France
- Con: Card payments in foreign currency cost 1.9%
- Con: Two euro cash withdrawals a month included, then €2 each
- Con: EUR only
- Con: No list of refused industries published

## Finzil's take (opinion)

L by LCL Pro is a well-priced digital account from a major French bank, with a premium card and invoicing included, and it takes SAS and SARL as well as sole traders. Its 40-transaction allowance and 1.9% foreign-card fee make it a domestic account; businesses paying abroad should pair it with a multi-currency provider.

## Alternatives

- [Hello bank! Pro](https://finzil.com/providers/hello-bank-pro): Bank · France
- [BoursoBank Business](https://finzil.com/providers/boursobank-pro): Bank · France
- [Qonto](https://finzil.com/providers/qonto): Payment institution · France
- [Shine](https://finzil.com/providers/shine): Payment institution · France

## FAQ

**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.

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