Banque CIC Nord Ouest products, services and reviews

About Banque CIC Nord Ouest

Banque CIC Nord Ouest is a regional entity of CIC serving the north-west of France and operating within Crédit Mutuel Alliance Fédérale. It offers retail, private, and business banking, including current accounts, domestic and international payments (SEPA and SWIFT), payment cards, regulated savings (Livret A, LDDS, PEL/CEL), term deposits, consumer credit, home loans, insurance, and investment and wealth services distributed through CIC group platforms. Corporate clients have access to cash management, merchant acquiring under the Monetico brand, equipment finance and leasing, factoring, guarantees, and trade finance. Services are delivered through a regional branch network, online banking, and a mobile app with strong customer authentication and secure messaging; remote advisory may be available by phone or video. Account packages and card options follow CIC’s national pricing with fees that vary by profile and features; charges apply for certain operations such as out-of-SEPA transfers, overdrafts, and card incidents, with mandatory pricing documents published under French regulation. Account opening is typically in branch, with online onboarding available for selected customer types subject to identity verification. Customer service operates via branches, telephone, and digital channels. Deposits are covered by the French deposit guarantee scheme (FGDR) up to statutory limits, and the institution is supervised by the ACPR within the ECB’s Single Supervisory Mechanism at group level. Product eligibility, lending decisions, and insurance coverage depend on individual circumstances and regulatory criteria, with credit granted subject to approval, and the bank supports PSD2/Open Banking connections for third‑party account aggregation.