Regulatory Information
For the sake of transparency and in order to allow you to compare banking rates, Banque Richelieu France hereby provides you with rates applied by our Institution with regard to the “standard market rates” identified by the Financial Sector Advisory Committee (CCSF).
The rates below exclude package deals and any other special offers or rates specific to certain customers.
Online banking services (Online banking services) : free of charge
Not including Internet service provider costs.
Rate of a product offering SMS alerts on the status of the account : not offered
Account fees : 500 € TTC
Immediate international debit card fees: not offered
Deferred international debit card fees :
Capitol Infinite Club Visa : 500 €/year
Capitol Elite Club Mastercard : 500 €/year
Capitol Gold Visa : 130 €/year
Capitol Gold Mastercard : 130 €/year
Debit card with systematic authorisation : not offered
Fees for cash withdrawals in another bank’s cash machine (provided they are euros within the Eurozone with an international debit card) : free of charge
Insurance or theft quote : not offered
Fees for occasional transfers (e.g. SEPA transfer)
At the branch (transfer) : free of charge
Online : not offered
Payment of a SEPA direct debit
Fees to set up a standing order : free of charge
Fees for direct debit payments : free of charge
Transaction fee : free of charge
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- Information on Deposit Insurance (FGDR)
- Conditions & Charges in force
- Conditions & Charges – Applicable from January 1, 2025
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Article 29 Energy and Climate law 2023
As part of the Europe’s second Payment Services Directive (PSD2), Banque Richelieu France is preparing for the entry into force of the regulatory technical standards with the provision of a platform on which data is shared with Third Party Providers (TPPs). This data is shared securely via application programming interfaces (APIs).
Third Party Provider (“TPP”) API Portals
If you have an AISP agreement from ACPR or from a national competent authority in one of the EU Member States, and you would like to test our API, please contact us: contact@banquerichelieu.com
To access our Sandbox Click here
To ensure the availability and performance of our API and WSWL services, you will find below our statistics as of July 8, 2019. We will publish them quarterly.
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FGDR is aimed at protecting and compensating customers if their bank, investment firm or financing company is adjudged bankrupt.
Deposit accounts (especially current accounts) are covered by the Deposit Guarantee Scheme of FGDR.
FGDR covers securities and other financial instruments (shares, bonds, open-ended collective investment schemes (SICAVs), mutual funds, etc.) on the twofold condition that the securities are “declared unavailable” and the account holding institution cannot restore them.
For more information, visit the FGDR’s website : www.garantiedesdepots.fr/en
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The Act of 13 June 2014, called the “Eckert” Act, on inactive bank accounts and life assurance in escheat, came into effect on 1 January 2016.
What is an inactive bank account?
An account is considered inactive if, after 12 months :
No transaction has been recorded on this account (not including interest and debit by the account holding institution, any fees and commissions or the payment of proceeds or redemption of capital or debt securities)
And the account holder has not communicated or conducted any transaction on another account opened in their name in the same institution. This period shall be extended to 5 years for securities accounts, short-term deposits and regulated savings accounts.
This period shall be extended to 5 years for securities accounts, short-term deposits and regulated savings accounts.
The Act of 13 June 2014, called “Eckert” Act on inactive bank accounts life assurance in escheat [sic]. If the sums are blocked under the Act or any contractual provision, the 5-year term shall run from the expiration of the vesting period. The Act prescribes that an account deemed as inactive must be kept in the books of the bank for 10 years. After 10 years of inactivity, the bank shall close the account and transfer the deposits and assets to the Deposits and Consignments Fund (CDC), where they shall be kept for 20 years, and then be ultimately transferred to the State.
When an account is deemed inactive, the bank must inform the holder, or their legal representative or other authorised person known by the bank annually about this fact and its consequences.
Lastly, the bank must also inform them six (6) months before the deposits to the CDC.
Warning
This does not concern you if you regularly conduct transactions on at least one of your accounts or if you communicate with your bank regularly (by checking your accounts online, exchanging communications with your private bank by post or email).
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- Main provisions of the Eckert Act
- Guide on inactive accounts edited by the French Banking Federation (FBF)
Contact the deposit fund :
- 0 809 40 40 41
- www.ciclade.fr
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Banque Richelieu France conducts its activities in compliance with the principles of integrity and transparency in order to prevent any real or potential conflicts of interest, or at least to manage them fairly following the common framework of the group to which Banque Richelieu France belongs.
In order to identify and manage the potential types of conflicts of interest, within investment services, related services and other activities of the Group which may infringe on the customers’ interests, Banque Richelieu France is especially vigilant about the following situations prioritising the interests of an interested party, which may infringe on the interests of another interested party, particularly between :
- One or more customers ;
- One or more sub-contractors/suppliers ;
- One or more counterparties ;
- One or more related parties i.e. entities of a group, as well as the Employees, Managers and Administrators of those entities, and direct or indirect shareholders.
Particular attention is paid to any circumstance which may lead to a conflict of interest resulting from the structure of the Group and its activities.
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This report aims to specify, on the one hand, for each category of financial instruments, the ranking of the top 5 investment firms in terms of trading volumes to which our institution, Banque Richelieu France, transmitted client orders for execution during the year 2024, and on the other hand, provides summary information on the quality of execution achieved, in accordance with Article 65, paragraph 6 of the Delegated Regulation (EU) 2017/565 of April 25, 2016.
Banque Richelieu France provides the following investment services:
- Order Reception and Transmission;
- Discretionary Portfolio Management;
- Investment Advice.
Banque Richelieu France has defined an intermediary selection policy aimed at achieving the best possible outcome when transmitting orders to act in the best interest of its clients.
Banque Richelieu France transmits its clients’ orders for execution to Brokers. As part of its best selection policy, the bank takes all necessary measures to select Brokers or counterparties that allow it to fulfill its best execution obligation. In this context, our institution conducts an annual review of its authorized intermediaries using an evaluation grid completed by the Transaction Desk Manager and Compliance for each counterparty, based on the counterparties’ execution policies and execution reports. The rating criteria are as follows: price, settlement and delivery, order execution quality, and research. This review is presented to the Broker Selection Committee at least once a year.
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In accordance with Articles L313.6 and R313-3 of the Consumer code, you will find information about real estate loans which the Bank may offer attached hereto.
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In accordance with the provisions of the Avenir Act, Banque Richelieu France is publishing its gender equality index for the UES, established on the 1st March 2024, 85 points out of 100.
The index allows companies to transparently measure the gender pay gap and highlight areas for improvement.
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