Banque CIC Sud Ouest products, services and reviews

About Banque CIC Sud Ouest

Banque CIC Sud Ouest is a regional entity of CIC within Crédit Mutuel Alliance Fédérale, serving individuals, professionals, SMEs, and larger corporates across southwestern France through local branches and digital channels. Its retail offering covers day-to-day current accounts, payment cards, regulated savings (Livret A, LDDS) and housing plans (PEL/CEL), term deposits, and life insurance, alongside consumer credit, mortgages, and authorized overdrafts. For professionals and businesses, services include current accounts, domestic and international payments, working-capital and equipment finance, leasing, factoring, cash management, and trade finance; merchant acquiring and e-commerce payment solutions are available through the group’s Monetico brand. Online banking and the mobile app provide balance and transaction monitoring, SEPA transfers, e-statements, card features, and strong customer authentication compliant with PSD2; contactless and mobile payment options are supported. Pricing generally follows French market practice with optional account packages that bundle a card and services for a monthly fee; other charges can apply for international transfers, out-of-area cash withdrawals, overdrafts, and intervention commissions, with a detailed tariff brochure published by the bank. Account opening is subject to standard KYC and eligibility checks (identity, proof of address and income; corporate registration documents for businesses) and can be initiated in branch or remotely depending on profile. Deposits are covered by the French deposit guarantee scheme (FGDR) up to the legal limit per depositor and the bank is supervised by the ACPR. Customer support is provided via branches, phone lines, and secure messaging, with opening hours varying by location.