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 Secure online banking in FR 
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Joined: 06 Nov 2013, 13:52
Posts: 6
Hi,

I'm trying to pick a bank in France. I'm interested in safest online banking since I'm using it a lot (as an individual though not SME).
What sort of security is in palce:
♦ when logging in - just user ID & Password? Card reader?
♦ when making a transfer - password/TAN via SMS, using card reader?
♦ any security when making a payment to new recipient?

It's been a nightmare doing research online - everything is in French. Google translator helps a bit but even in French the info is very limited?

Perhaps you have first-hand experience as to how it works?
Please help.....


I'm considering:
BNP Paribas
Credit Agricole
Societe Generale
Credit Mutuel
Credit Lyonnais


07 Nov 2013, 09:06
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Joined: 09 Dec 2009, 09:41
Posts: 1248
Credit Agricole - account number, then a 6 figure code where you have to click on numbers in a randomly-generated grid. Internet payments they text a code to your mobile that you have to enter to confirm the payment (not always though). Never used it for e transfers.


07 Nov 2013, 09:12
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Joined: 11 Jan 2008, 23:49
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Location: W of Cahors (46)
I doubt you'll find that any one bank is more or less secure online than any other, it's as much in their own interest too be as in yours !

If you are going to be needing certain facilities then I suggest you concentrate your research on finding the bank or banks which provide them.

Do you know for instance that with CA you cannot do online transfers, even between CA customers ?

That my be different for commercial accounts, I couldn't say.

I discovered this only when I bought a car a few weeks ago. Initially I had agreed to pay by cheque (it wasn't a particularly expensive car) but the chap who I'd been dealing with had neglected to consult with his better half and she wanted cash or transfer.

Cash we couldn't do because we hadn't come prepared for that and as we were 100 miles away from home we probably would have encountered difficulty in getting the amount required out of a local branch of CA so it was going to have to be a transfer. The seller was also with CA and in the same region, Northern Midi-Pyrenees so we didn't anticipate any problems.

How wrong can you be !

After failing to find even a mention of 'transfer' on the CA website we phoned our branch. That was when we discovered that such a seemingly simple act was not possible online and after some discussion the manager asked us to send him an email requesting it and with all relevant details which we did and eventually he phoned us back to confirm that the payment would be made - note WOULD be not HAD !

Fortunately this was good enough for the seller so we loaded up the car on a trailer and left.

This all took the best part of an hour.

Even after that pularva it turned out that there was an error in the email we (OH!) sent which hadn't been spotted so the payment didn't go through I had to go into the bank the next day and fill in an official form for it.

I can well imagine you now crossing CA off your list !

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07 Nov 2013, 09:52
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Joined: 07 Feb 2011, 10:27
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Location: NW UK and Charente 16
Of course you can do an electronic transfer with CA, all you need is an RIB from the intended payee, set them up on your account then make the virement, I've done it many times - it works for me!
They also have a good Android app CreditAgroid which works well.

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07 Nov 2013, 10:13
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Joined: 10 Mar 2009, 15:51
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Location: L'Hérault depuis Juin 2006
AnOther wrote:
Do you know for instance that with CA you cannot do online transfers, even between CA customers ?


Thats odd, must have been dreaming the other day when I did just this!


07 Nov 2013, 10:36
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Joined: 09 Nov 2009, 19:39
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Maricopa wrote:
AnOther wrote:
Do you know for instance that with CA you cannot do online transfers, even between CA customers ?


Thats odd, must have been dreaming the other day when I did just this!


That's even odder, I thought ANO usually knew what he was rattling on about :D

I have been making online transfers from my CA account for years. One simply has to set up the arrangement and sign a contract.


07 Nov 2013, 10:45
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Joined: 10 Mar 2009, 15:51
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Location: L'Hérault depuis Juin 2006
nomoss wrote:
That's even odder, I thought ANO usually knew what he was rattling on about :D

I have been making online transfers from my CA account for years. One simply has to set up the arrangement and sign a contract.


Never signed anything, just logged in, gone to the page to set up the virement, received an authorisation code by text and away you go.


07 Nov 2013, 10:55
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Joined: 07 Feb 2011, 10:27
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Location: NW UK and Charente 16
nomoss wrote:
I have been making online transfers from my CA account for years. One simply has to set up the arrangement and sign a contract.


And if you do it all on-line there is nothing to sign, you just need a mobile phone to get the auth code if you set up new payees.

I have no hesitation recommending CA, I think their on-line services are excellent (and if all fails they have an English speaking helpline too)

Caveat - I'm talking about CA Charente-Perigord, other CA regions may be different?

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07 Nov 2013, 10:58
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Joined: 10 Mar 2009, 15:51
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Bartonflyer wrote:
I have no hesitation recommending CA, I think their on-line services are excellent (and if all fails they have an English speaking helpline too)

Caveat - I'm talking about CA Charente-Perigord, other CA regions may be different?


And I am talking about CA Languedoc-Roussillon, and would also thoroughly recommend them.

Should also say welcome to the OP.


07 Nov 2013, 11:02
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Joined: 17 Mar 2010, 11:45
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Location: Picardie
No problem about on line transfers with CA Brie Picardie, I would question however the whole security of the French banking system, I certainly would be uncofortable with keeping any significant funds in my account.

Have you ever wondered what happens to all the paperasse that you have to sign and take to the bank for autorisation de prélèvements télépaiments, TIP's and the other one whose name escapes me? Mine always seem to be treated as having no value and propelled in the direction of the bin so I decided to experiment.

Recently I gave my bank details to les impôts and to EDF so that I could pay on line, I deliberately did not fill out and take the forms to my bank, both withdrawals were successfully taken from my account :shock: :shock:

Now les impôts doesnt surprise me, I think that they have the power but EDF did surprise me, whats to stop anyone else even you from taking money from my account, remember that your bank details (RIB) can all be found on any cheque that you pay someone with.

Now maybe the banks will only allow businesses to take money but i dont trust many of them, my pal and i are going to further the experiment for our next electric bills, he is going to change his bank details to mine and vice versa and see what happens.

I reckon that in the future if I fall on hard times than things wont be so bleak :lol: :lol:


07 Nov 2013, 11:17
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Joined: 11 Jan 2008, 23:49
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I can only relate my personal experience when I tried to do it that first and only time a few weeks ago and when a branch manager tells you it's not possible how can you argue ?

This is what the CA-NMP have to say about new transfers:

• Après avoir fiabilisé votre numéro de portable, vous recevrez par SMS le code nécessaire à l'ajout de nouveaux comptes bénéficiaires de vos virements.

• Sinon, pour rajouter un nouveau compte destinataire (RIB), vous devez vous présenter à votre agence ou appeler le 098.098.18.18, (appel non surtaxé, hors coût éventuel selon votre opérateur) du lundi au vendredi de 8h30 à 18h30, le samedi de 8h30 à 17h00 ou en remplissant le formulaire présenté suite au clic sur la vignette de droite dans votre espace virement.

And I've looked again but can see no way to actually instantly set up a new recipient online but perhaps I'm missing something.

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07 Nov 2013, 13:46
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Joined: 07 Feb 2011, 10:27
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Location: NW UK and Charente 16
Well here's how it works for me - just sign on, select virements, then under Compte Beneficiare select "+Saisir un autre compte beneficiare" - then you get a text with the auth code and bang it's done, you can then immediately make a payment.

Image

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07 Nov 2013, 13:55
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Joined: 10 Mar 2009, 15:51
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+1


07 Nov 2013, 14:06
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Joined: 11 Jan 2008, 23:49
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I do not have that option on the CA-NMP site.

Could it be because I don't have a mobile registered with them ?

EDIT:

Actually I do but it's a UK number and one I don't use anymore to boot.

I have registered my French mobile so let's see if that makes any difference.

I note when registering it obliges me to agree to one or both of the following so hopefully that doesn't open me up to phone spam as well !

Oui, j'autorise la Caisse Régionale de CA NORD MIDIPYRENEES et toute entité du Groupe Crédit Agricole à m'envoyer des messages commerciaux par téléphone (SMS, MMS, Fax,...).

Non, je n'autorise pas la Caisse Régionale de CA NORD MIDIPYRENEES ni les autres entités du Groupe Crédit Agricole à m'envoyer des messages commerciaux par téléphone.

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And those who were seen dancing were thought to be insane by those who could not hear the music.
Nietzsche


Last edited by AnOther on 07 Nov 2013, 15:02, edited 2 times in total.



07 Nov 2013, 14:54
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Joined: 07 Feb 2011, 10:27
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Location: NW UK and Charente 16
AnOther wrote:
I do not have that option on the CA-NMP site.

Could it be because I don't have a mobile registered with them ?


I guess that's a possibility, they do need a French Mobile to be able to do it all automatically - you go into your account details and register your mobile number - I know it won't take a foreign mobile as the number of digits in the entry field is limited - however I "think" you can ring them and get the branch staff to enter a UK number if you need to.

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07 Nov 2013, 14:57
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