financial matters

FINANCIAL MATTERS
BANK ACCOUNT
You have the possibility to keep your home bank account.
If you do not have an account from which you can write cheques in euros, you will
need to open a French bank account as soon as you have an address in France.
Ask for a cheque book and a “RIB” (which is the “Relevé d’Identité Bancaire” = IBAN).
Bank representatives will be at SKEMA Business School at the beginning of September. Call
ahead and make an appointment to open an account.
The BDE (Student Board) has agreements with banks. This might change from one year to
another, so check with them before opening you bank account. You might be able to save
some money by doing so. You can ask S’Konnection about that.
WHAT DO I NEED TO OPEN A BANK ACCOUNT ?
- Your identity card, your passport and your Residence Permit for non-European
citizens (valid time period)
- Proof of domicile (originals, less than 3 months) that you can your lease or an
electricity bill, or a home phone/Internet bill or a water bill
USEFUL INFORMATION
Non-resident bank account
You have the possibility to open a bank account even before you have a Residence Permit.
These accounts are called ‘Non resident’ Bank Accounts. To do this, you will need a
passport and a school certificate provided by SKEMA Business School.
What is a “RIB” (IBAN)?
A “Relevé d’Identité Bancaire” is a series of codes that include the code of your bank in
France, its location and also your personal account number. You will need this number in
order to receive electronic money transfers from your bank in your home country and to
receive other automated electronic deposits to your account, for example, remuneration for
an internship or other employment. This should be provided by your bank several days
after opening your account or can be obtained directly at the branch, simply by asking for
your “RIB”.
Credit card
Credit cards given by your bank (“Carte Bleue”, Visa or Mastercard) are debit cards. The
money is directly debited from your bank account (you may choose immediate debit or
debit at the end of the month). You can also use it in any Automated Cash Machine around
France.
If you are coming from North America, you will notice that in Europe credit cards almost
always feature a microchip. This has important implications for those coming from North
America, as machines or other automated devices will only accept your card with this chip
AND/OR with your personal pin number. In North America, it is not common to either know
or use a PIN number with your credit card. Before leaving your home country, contact your
card issuer for your PIN number and particulars about using your card in Europe. In
restaurants and stores, you can pay with your card (magnetic strip), and you will be asked
for your signature as usual. Conversely, European credit card holders do not sign, as their
PIN number substitutes this verification. In addition, you may be asked for a
supplementary piece of identification when paying by credit card. The minimum payment
amounts for using your credit card ranges from 10 euros to 20 euros.
Never give your PIN number to anyone.
Cash dispensers (ATM)
If you need cash, there are lots of cash dispensers in La Défense, but there is also one in
the PULV, Foyer des Etudiants, rue Basse (ground floor).
SKEMA PARTNERSHIPS
- LCL
http://particuliers.lcl.fr/etudiants/
- Société Générale
https://particuliers.societegenerale.fr/index.html
- Caisse d’Epargne
http://www.caisse-epargne.fr/particuliers/solutions-jeunes.aspx?fu=banque-au-quotidien
- Banque populaire
http://www.banquepopulaire.fr/Catalogue/Segments/Pages/banque-jeune.aspx?vary=0-00
BANK AGENCIES IN LILLE
BNP PARIBAS
BNP VIEUX LILLE
114 rue Saint André 59800 – Lille ; Tel: 0 820 82 00 01
Open Tuesday to Friday 9.00 - 12.30 and 1.45 pm - 6.00 pm
Saturday 9.00 am - 1.00 pm
BNP LILLE GAMBETTA
171 rue Léon Gambetta 59000 - Lille ; Tel: 0 820 82 00 01
Open Tuesday to Friday 9.00 am - 12.30 and 1.45 pm - 6.00 pm
Saturday 9.00 am - 1.00 pm
BNP LILLE GRAND PLACE
9 place du Général de Gaulle 59000 – Lille ; Tel: 0 820 82 00 01
Open Tuesday to Friday 9.00 am - 6.00 pm
Saturday 9.00 am - 1.00 pm
BNP LILLE REPUBLIQUE
13 place de Béthune 59000 - Lille ; Tel: 0 820 82 00 01
Open Tuesday to Friday 9.00 am - 12.30 and 1.45 pm - 6.00 pm
Saturday 9.00 am to 1.00 pm
BNP LILLE VAUBAN
336 rue Nationale 59000 - Lille ; Tel: 0 820 82 00 01
Open Tuesday to Friday 9.00 am - 12.30 and 1.45 pm - 6.00 pm
Saturday 9.00 am to 1.00 pm
BNP SAINT MAURICE
161 rue du Faubourg de Roubaix 59000 - Lille ; Tel: 0 820 82 00 01
Open Tuesday to Friday 9.00 am - 12 30 and 1.45 pm - 6.00 pm
Saturday 9.00 am to 1.00 pm
LCL
LCL LILLE GAMBETTA
188 T rue de Solférino 59000 LILLE Tel: 03 28 38 50 67
Open Tuesday to Friday 09.00 am - 12.30 and 02.00 pm - 06.00 pm
Saturday 09.00 am to 01.00 pm
LCL EURALILLE
21 Centre Commercial Euralille 59777 Euralille Tel: 03.20.14.17.08
Open Tuesday to Friday 09.00 am - 12.30 and 02.00 pm - 06.00 pm
Saturday 09.00 am to 01.00 pm
LCL ST MAURICE
177 rue du Faubourg de Roubaix 59800 LILLE ; Tel: 03 20 15 96 54
Open Tuesday to Friday 09.00 am - 12.30 and 02.00 pm - 06.00 pm
Saturday 08.30 am to 12.30 pm
LCL LILLE
28 rue Nationale 59800 LILLE ; Tel: 03 20 14 78 24
Open Tuesday to Friday 09.00 am - 12.30 and 02.00 pm - 06.00 pm
Saturday 9.00 am to 01.00 pm
CREDIT DU NORD
CREDIT DU NORD LILLE RIHOUR
28 place Rihour 59000 Lille ; Tel: 03 20 78.54.54
Open Monday to Friday 8.30 am - 17.00 pm
CREDIT DU NORD LILLE NATIONALE
31 rue Nationale 59800 Lille ; Tel: 03 20 78.54.34
Open Monday to Friday 9.00 am - 12.30 and 13.45 pm - 6.00 pm
Saturday 9.00 am to 12.30