The International RESEARCHER and PhD STUDENT’s Guide to RENNES - (Page 33)
B ank s
The above information relates to researchers and those
PhD students who benefit from the scientific procedure.
Other cases should refer to the 'International students'
A OPENING AN ACCOUNT
Some useful banking terms :
Compte-chèques : current (checking) account into
which you pay the money, such as salaries and grants,
that you receive and which enables you to pay your
everyday expenses, such as your rent, books, and those
connected with leisure time activities. In France, this
current (checking) account can be called a compte,
compte de dépôts, compte courant, or compte bancaire.
Agios : overdraft bank charges, imposed when the
overdraft limit has been exceeded.
Carte de paiement : debit card with which you can
pay for goods and services and withdraw money from
Carte de retrait : bank card which only allows you to
withdraw money from cash dispensers.
During your stay in France, you will most likely need
to open a bank account for your international money
transfers, and to receive French government benefits
(family allowance, refunded medical fees, CAF, etc.)
and your salary.
All foreigners living in France for a period of at
least 3 months can open a resident's bank account,
which will enable them to have a cheque book and
a cheque card, which will be either a debit card or a
card that can only be used to withdraw money from
cash dispensers. You will need to have three documents with you in order to open a bank account:
o Your passport and a photocopy of it
o Proof of address (rent receipt, utility bill, etc.)
o Employment contract, study agreement, proof of
In addition, after your account has been opened,
you will be asked to deposit a minimum amount of
money, which is usually about e15.
Bank charges: Your bank can charge you:
* monthly management fees;
* annual bank card fees;
* overdraft fees, if you exceed your agreed overdraft
Closing your bank account
To request that your bank account be closed, you
must first make sure that no operation involving, for
example, bills, cheques, salary, standing orders, and
direct debits is active on your account. You must also
send a registered letter with acknowledgement of
receipt to your bank.
A model letter for requesting the closing of a bank
account is available at the CMI Rennes.
DAB : Distributeur Automatique de Billets - cash dispenser (cashomat (U.S.)).
Endosser : to endorse a cheque, i.e. to sign your name
and account number on the back of a cheque.
GAB : Guichet Automatique de Banque - cash dispenser
where you can carry out a range of banking operations.
Interdit bancaire : suspension of your banking privileges ; an action which is communicated to all banks.
Prélèvement automatique : standing order (GB),
direct debit order (GB), automatic deduction order/
RIB : relevé d'identité bancaire - bank identification
form, details of one's bank account. This can easily be
obtained from the bank where you have your account.
Your employer will ask you for a RIB so that your salary
can be paid into your bank account.
Solde : balance - the amount of money held in your
Virement : the transfer of money to another account.
How to make payments :
As well as paying in cash, there are other easy-to-use
methods of payment :
o Carte de paiement (debit card) : a bank card used to
make payments and withdraw money. You must enter
your 4 digit PIN code when paying by card, and take
care that nobody can see your code. You must learn
this code by heart and keep it secret.
o Chèque Cheque(GB)/check (US) : when you pay by
cheque, you must not forget to date and sign it, to fill in
the name of the payee, and to check that the amount
shown in figures is the same as that written in letters.
o Prélèvement automatique: You can pay your
regular bills (rent, water, etc.) by authorising direct
debits from your bank account.
Table of Contents for the Digital Edition of The International RESEARCHER and PhD STUDENT’s Guide to RENNES
Sommaire : Fr
Présentation de Rennes
A La ville de Rennes
B Le Centre de mobilité internationale de Rennes
Formalités d’entrée et de séjour
A Obtenir un visa
B Obtenir un titre de séjour
S’assurer et se soigner
A Sécurité sociale et assurance santé
B L'accès aux soins
A Chercher un logement
B Informations pratiques
C Avant l’installation
D Garantie et caution solidaire
Banque et argent
A Ouvrir un compte
B Coût de la vie
Venir avec sa famille
A Démarches administratives
B Système éducatif
D Modes de garde des enfants en bas âge
E Travail pour les conjoints
F Allocations familiales
G Chômage et droits des étrangers
A Se restaurer
B Se déplacer
C Apprendre le français
Temps libre : culture, loisirs, activités sportives
A Centres d’information
B Evénements culturels
C Loisirs, détente
D Activités sportives
Table of contents : En
Welcome to Rennes
A The city of Rennes
B The Rennes International Mobility Centre
Entry and residency formalities
A Obtaining a visa
B Obtaining un titre de séjour (residency permit)
Health insurance and health care
A Social security and health insurance
B Access to health care
A Finding somewhere to live
B Practical information
C Before moving in
D Deposit and co-signing
Banks and money
A Opening an account
B The cost of living
C Income tax
D Retirement pensions
Coming with your family
A Administrative procedures
B Educational system
D Childcare facilities for young children
E Organising work for your spouse
F Family allowances/benefits
G Unemployment and the Rights of Foreigners
B Getting around
C Learning French
Free time : culture, leisure and sporting activities
A Where to get information
B Cultural events and festivals
C Leisure activities
D Sporting activities
The International RESEARCHER and PhD STUDENT’s Guide to RENNES