Socram banque products, services and reviews
Rating, reviews, address, contact info, branches, phone numbers, fixed deposits, savings and card accounts offered by Socram banque
3.80%
Annual fee
Free
Cashback
No
Annual fee
Free
Cashback
No
Interest rates up to 3.80%
Open and manage directly on PickTheBank Platform
Terms from 3 months to 5 years
Annual interest payments
Protected by Deposit Guarantee System up to 100.000 EUR

Socram banque
4.1
France
Credit ratings
Deposit Guarantee Scheme (DGS)
Deposit Guarantee Scheme (DGS) member. Deposits up to €100k per person are covered
S&P
-
Moody’s
-
Fitch
-
About Socram banque
Socram Banque is a French credit institution focused on consumer finance, particularly auto and personal loans distributed mainly through partner insurance networks rather than a traditional branch model. It operates under French and EU banking rules (ACPR/ECB supervision) and eligible deposits, if held, fall under the French deposit guarantee scheme (FGDR) up to €100,000 per depositor. Product structures typically include fixed-rate amortizing loans with terms and maximum amounts that vary by purpose, with pricing (APR) determined by borrower profile, loan size, and duration; representative examples and the total cost of credit are provided as required by the French Consumer Code. Applications are generally completed online or via partner channels with standard identity and income verification, credit scoring, and consultation of Banque de France files; funds for earmarked auto loans are usually paid to the vendor, while personal loans are paid to the borrower, with disbursement timings aligned to the statutory withdrawal period. Early repayment is possible, with indemnities capped by law, and optional payment protection insurance may be offered. The bank provides remote servicing (customer area, phone, email) for account management and loan follow-up. Socram Banque positions itself as a specialist lender rather than a universal retail bank; current accounts, payment cards, and investment services are not the core offering, and any savings products available serve mainly to support its lending activity. This model suits borrowers seeking financing through affiliated insurers or direct online channels, while those looking for an all-in-one banking relationship may find the product scope limited and pricing visibility dependent on partner distribution.
Socram banque Deposit guarantee scheme participation
Socram banque participates in the deposit guarantee scheme of France which applies to all deposit accounts made by natural persons, legal entities and covers up to up to 100,000 EUR (or equivalent in local currency) per bank per depositor.
Socram banque Countries of operations
Socram banque offers their savings products in
Products offered by Socram banque and interest rates
Socram banque offers 0 deposits and 0 savings accounts in .
Best interest rates in France
Loans offered by Socram banque
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Bank identifiers
BIC number
SORMFR2N
Name
Socram banque
Country
France