Caisse régionale de crédit agricole mutuel des Savoie products, services and reviews

About Caisse régionale de crédit agricole mutuel des Savoie

Caisse régionale de Crédit Agricole Mutuel des Savoie is a cooperative regional bank within the Crédit Agricole group, serving individuals, professionals, farmers, and businesses across Savoie and Haute-Savoie. It offers current accounts with debit cards, SEPA transfers and direct debits, and overdraft facilities subject to assessment, alongside savings options such as regulated accounts (e.g., Livret A, LDDS), housing plans (PEL/CEL), term deposits, life insurance, and market-based products distributed through the group. Lending covers consumer credit, vehicle and renovation loans, mortgages with borrower insurance, and financing for professionals and the agricultural sector, with pricing and approval based on risk and profile. Ancillary services include home, auto, health, liability, and business insurance products provided via Crédit Agricole’s insurance entities, merchant acquiring and POS solutions, and cash management for SMEs. Customers can manage accounts via an online portal and mobile app with strong customer authentication for payments, initiate domestic and international transfers, and use card controls; mobile wallets may be available depending on card and device. Access is through a regional branch and ATM network, with account opening possible in branch and, for eligible profiles, online; identification, residence, and income documents are typically required, and non-resident onboarding may be restricted. Fees are set out in a published tariff brochure, with à la carte pricing and packaged offers that bundle cards, alerts, insurance, and payment services; standard charges apply for cards, account maintenance, incident fees, international payments, and early repayment on some loans, and rates and conditions vary by product and customer segment. The bank is supervised by the Autorité de Contrôle Prudentiel et de Résolution, and eligible deposits are protected by the Fonds de Garantie des Dépôts et de Résolution up to the statutory limit per depositor. Customers can submit service requests and complaints via their branch or customer service; unresolved disputes can be escalated to an independent mediator as outlined in the bank’s complaints policy. Prospective clients should review the latest tariff guide, key information documents, and loan insurance terms, compare total costs with competitors (including online banks and fintechs), and confirm any regional or eligibility constraints before subscribing.