Socram banque products, services and reviews

About Socram banque

Socram Banque is a French retail bank and consumer finance provider that offers a range of basic banking and credit products—current accounts, payment cards, savings products, consumer loans and mortgages—together with ancillary insurance and payment services; specific product availability, interest rates and fees are set out in the bank’s published tariff and vary by customer profile. Account opening requires standard documentation and identity checks and the bank applies customary credit assessment and anti‑money‑laundering procedures; day‑to‑day operations can be handled via the branch network and electronic channels, including the website and a mobile application. As a credit institution operating in France, deposits are subject to the national deposit guarantee scheme (protection limits apply) and the bank is required to comply with national prudential and consumer‑protection rules; customers with disputes are expected to follow the bank’s internal complaint process and may escalate to the relevant ombudsman or supervisory authority. Pricing, contract terms, effective annual rates and customer service experience can vary, so potential clients should compare offers, read the contractual terms closely and consult current regulatory filings or recent customer feedback before committing.