Banque BCP products, services and reviews

About Banque BCP

Banque BCP is a French credit institution offering retail and small-business banking through a branch and remote service model, with products that follow standard market practices in France. It provides current accounts with debit cards (Visa or Mastercard depending on range), overdraft facilities subject to approval, SEPA transfers and standing orders, cheques and bank cheques, and international payments via SWIFT with applicable fees and foreign-exchange markups. Savings options typically include regulated products such as Livret A and LDDS (and LEP for eligible clients), as well as term accounts and housing savings products where available. Lending covers consumer credit and mortgages subject to underwriting, with borrower insurance offered through partnered insurers. Digital access is delivered via online banking and a mobile app supporting balance and transaction monitoring, transfers, card security features, and strong customer authentication in line with PSD2 and 3‑D Secure; instant SEPA transfers may be available on eligible accounts within scheme limits. Pricing follows traditional French banking schedules (monthly account maintenance, card subscription fees, charges for certain transactions and incident fees), with optional service packages that bundle means of payment and assistance services; the tariff guide details conditions and should be reviewed before account opening. Accounts are opened in branch or remotely depending on profile, with standard KYC requirements and additional documentation for non-resident or professional customers. As a French bank, Banque BCP is supervised by the ACPR and its eligible deposits are covered by the FGDR up to €100,000 per depositor, per institution; customers have access to a statutory mediation process for disputes. The main practical considerations are the size of its branch footprint relative to nationwide networks, the fee structure compared with online banks, and the scope of digital features relative to larger incumbents.