Caisse d'épargne et de prévoyance Hauts de France products, services and reviews

About Caisse d'épargne et de prévoyance Hauts de France

Caisse d’épargne et de prévoyance Hauts de France is the regional Caisse d’Epargne serving the Hauts-de-France area and forms part of Groupe BPCE, operating as a cooperative savings bank with local shareholders (sociétaires). It provides retail, professional, and local public-sector banking, with a network of branches and digital channels for current accounts, packaged account plans, debit and credit cards, cash management, and SEPA transfers including instant payments. The product range includes regulated savings (Livret A, LDDS, LEP), youth accounts, PEL/CEL, term deposits, life insurance and protection products distributed through group insurers, brokerage for property and borrower insurance, investment services (securities accounts, PEA, funds), and retirement solutions (PER). Lending covers consumer credit, auto and equipment loans, overdrafts, mortgages and bridging loans, and energy-renovation financing; for professionals and SMEs it offers accounts, POS acquiring, working-capital facilities, investment loans, leasing and factoring via BPCE entities, and guarantees for public procurement. Digital services include web and mobile banking with strong customer authentication, card controls, 3‑D Secure, alerts, and support for major mobile wallets such as Apple Pay and Google Pay (availability may depend on card type). Pricing is published in a regional tariff guide, with bundled plans and à‑la‑carte fees; incident and overdraft charges follow French regulatory caps, and an “offre spécifique” for vulnerable customers is available under national rules. Account opening generally requires French residency and standard KYC; some processes may still require branch visits, and service scope can vary by customer profile and location. The institution is a licensed credit institution supervised by the ACPR and the ECB; eligible deposits are protected by the French deposit guarantee scheme (FGDR) up to €100,000 per depositor per institution, and investor compensation applies for custody failures within the statutory limits. Customer support is provided in-branch, by phone, and via secure messaging, with appointments typically required for credit and advisory services; corporate and structured needs may be handled in coordination with other BPCE units.