Axa banque products, services and reviews

About Axa banque

Axa Banque is the French retail banking arm of the Axa group, offering a primarily digital current account with a French IBAN, Visa debit cards (several tiers with differing fees and usage limits), SEPA transfers and direct debits, and optional overdraft subject to approval. The bank supports standard mobile wallet integrations (such as Apple Pay and Google Pay where available), 3-D Secure authentication, and strong customer authentication under EU rules. Savings options include regulated accounts such as Livret A and LDDS, home-savings plans (PEL/CEL), and proprietary taxable savings accounts; rates on regulated products follow government-set rules. Lending covers consumer credit and mortgages, with online simulations and application intake; borrower insurance is typically available via Axa’s insurance entities. Investment and protection products (life insurance, securities accounts, and PEA) are distributed through Axa’s ecosystem or partners, with custody and brokerage conditions distinct from the current account. Account access is through web and mobile apps; customer support is provided online, by phone, and via the Axa agent network for certain services, but cash handling is limited compared with traditional branch banks and check processing may require mail deposit or designated points. Pricing includes account maintenance, card fees by tier, foreign currency conversion costs for non-euro transactions, potential charges for withdrawals outside the euro area, and overdraft interest and incident fees where applicable; conditions vary by profile and usage. Axa Banque is supervised by the ACPR and participates in the French deposit guarantee scheme (FGDR) up to the legal limit per depositor and per institution. Account opening is done online with identity verification and may require an initial deposit; joint accounts are available on request.