Caisse régionale de crédit agricole mutuel du Morbihan products, services and reviews

About Caisse régionale de crédit agricole mutuel du Morbihan

Caisse régionale de crédit agricole mutuel du Morbihan is the Crédit Agricole cooperative bank serving the Morbihan department in Brittany, operating as a regional entity within the wider Crédit Agricole Group. It provides retail and professional banking for individuals, SMEs, and agricultural clients, with a network of local branches and remote advisory, plus online and mobile banking via the group’s digital platforms. Core products include current accounts, regulated and unregulated savings (such as Livret A and LDDS), payment cards (generally on the Carte Bancaire network with Visa or Mastercard options), SEPA transfers and direct debits, and optional services like overdraft facilities and instant payments where available. Lending covers home loans, consumer credit, equipment financing, and business/agri lines, alongside insurance distributed through the group (property, auto, health, borrower) and investment and savings products via group providers, including mutual funds and life insurance. Pricing follows the French “fiches tarifaires” model with published fees for account packages, cards, transfers, cash handling, and overdrafts; conditions and charges vary by product and customer profile. Account opening requires standard KYC documentation and may be handled in-branch or digitally depending on profile and product. The bank is supervised by the ACPR and participates in the FGDR deposit guarantee scheme (currently up to €100,000 per depositor for eligible deposits); payment security follows PSD2 strong customer authentication and 3‑D Secure for card transactions. As a regional caisse, product names, eligibility criteria, and decision timelines can differ from other Crédit Agricole entities, and pricing may be higher than online-only banks, while offering broader in-person services and local credit decisions. This setup suits customers prioritizing a local branch relationship and access to the Crédit Agricole ecosystem, with the trade-off of regional variation and packaged-fee structures.