Crédit Agricole Sud Rhône Alpes: the complete guide

Crédit Agricole is one of the banks that has occupied the banking landscape for many years. The financial institution is also one of the organizations with the most customers in France. In France, there are several regional banks including Crédit Agricole Sud Rhône Alpes. Discover all the specificities of this organization and its complete offer in terms of bank cards, savings products, online account, etc. Follow the guide to find out all about the CA Sud Rhône Alpes including its pricing.

Who is Crédit Agricole Sud Rhône Alpes?

Crédit Agricole has more than 2,400 local and regional banks. All these mutuals hold most of the capital of the 53 regional mutuals present in the territory. In addition, they have nearly 27 million individual customers as well as 30,000 administrators.

It is a bank intended for all customers, individuals and businesses, but also farmers and local authorities. With roots from a regional point of view, Crédit Agricole is one of the day-to-day banks of the French people.

On the other hand, the financial organization offers an adapted offer in savings, investments, death insurance, loans, means of payment… Crédit Agricole is positioned on almost all of the local markets in France.

Crédit Agricole Sud Rhône Alpes was created in 1996 from the merger of the Regional Banks of Ardèche, Drôme and Isère. The bank is present in these three departments as well as in certain communes of the Rhône. The company continues its development with the creation of new agencies, especially in urban areas. In addition, the establishment is proving to be a major player in local development.

Read also: Crédit Agricole Pyrénées Gascogne

Open an account with Crédit Agricole Sud Rhône Alpes: how to do ?

To open a bank account in a Crédit Agricole Sud Rhône Alpes branch, there are two possibilities: complete the procedure on the Internet or go directly to the branch.

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On line

To open an account online, follow the procedure: https://www.ca-sudrhonealpes.fr/ouverture-un-compte.html

In agency

You can go directly to one of the CA Sud Rhône Alpes agencies or make an appointment with an advisor by filling out the dedicated online form: https://www.ca-sudrhonealpes.fr/Formulaires/Vitrine/p-93552.jsp? object=Become%20customer

Conditions

You must meet two conditions to open an account with CA Sud Rhône Alpes: be of legal age and reside in France. The bank will also ask you for two supporting documents: two valid identity documents and proof of address.

Crédit Agricole Sud Rhône Alpes banking services

Account to compose

With this service, you choose the services that match your needs and your profile. This personalized offer is built around a base and can evolve. The account to compose allows you to operate your deposit account on a daily basis with services such as:

  • control of your overdraft;
  • securing your insurance budget (reimbursement of contributions in the event of financial difficulties;
  • account monitoring;
  • distance shopping…

The Eko offer

This offer includes a card and an application. It costs 2 euros per month and offers:

  • an international Mastercard, to be used in France and worldwide;
  • free withdrawals from CA ATMs;
  • a flat rate of 25 withdrawals per year in other ATMs in France and in EU member countries;
  • a balance control card to control your budget and anticipate bank accidents;
  • the possibility of paying via contactless payment;
  • insurance and assistance included;
  • the My Bank application to monitor accounts in real time;
  • an SMS alert in the event of a balance of less than €20.

Bank cards

Crédit Agricole Sud Rhône Alpes offers a full range of bank cards. It is not just a means of payment. Indeed, the cards also offer insurance and assistance services as well as numerous advantages to simplify life (eg car rental without deposit).

Among the range of bank cards, you have:

  • the company card;
  • Mastercard, Gold Mastercard;
  • Gold Mastercard Cartwin and Mastercard Cartwin;
  • the Mosaic map;
  • the Visa Classic card;
  • Visa Infinite card…
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savings products

CA Rhône Alpes, like all other traditional banks, also has savings products and passbooks:

  • A booklet ;
  • sustainable and solidarity development booklet;
  • young Mozaïc booklet;
  • Housing Savings ;
  • term savings…

Other services

Contactless payment

To save time during your transactions with merchants, it is possible to use contactless payment. You can also pay for your purchases in stores with your smartphone. No need to enter your credit card code anymore.

Access your accounts remotely

CA Sud Rhône Alpes allows consultation of current accounts, savings, current loans and insurance contracts by telephone or online.

Three offers are available:

  • Vision to manage your personal accounts;
  • Vision + to subscribe to remote banking services to manage all accounts and external transfers;
  • Action is an offer with access to stock market transactions.

On the other hand, you can request a RIB or a check book from your home. At home, it is also possible to carry out all your day-to-day operations such as transfers.

Finally, be aware that to access all the services securely, by telephone or on the Internet, you use the same unique personal code.

SMS alert

This service makes it possible to avoid bank accidents, and in particular overdrafts and the payment of agios. Indeed, you receive an SMS notification as soon as your account is in danger of being overdrawn. This is a free service.

Buy shares

Do you want to buy shares? It is quite possible to do this thanks to Crédit Agricole Sud Rhône Alpes.

The first step is to determine how much money you want to spend on this investment. If you want to buy shares, it is essential to have savings to take no risk and invest money that you do not currently need. Never lose sight of the fact that even if you invest your money correctly in stocks, you can still lose all your invested capital. This brings us to your preference for risk. You must ask yourself if you want to invest for the long term or if you prefer to bet on the short term. When buying stocks, you should also think about the type of companies you want to invest in. Small stocks, i.e. those of small companies, have a different risk profile than the stocks of the largest and most profitable companies.

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When you have never traded, it is important to familiarize yourself with the vocabulary. Your Crédit Agricole advisor is there to support you, explain the terms you need to know and help you with your investments. It will even allow you to train on a virtual portfolio to familiarize yourself with the markets and acquire the basics.

If you do not want to go through your bank, you should know that in 2021 it is possible to buy shares online via a bookmaker or even a broker. Some specialized sites such as https://invest-sur-internet.com/comment-achat-des-actions-en-ligne/ will give you all the keys to achieve this. On this site, a complete guide is at your disposal to better understand the market and to get started in the purchase of shares. In addition to this, you will have access to a ranking of the best stocks to buy. It’s a real plus when you start and it avoids very risky investments.

The rates of Crédit Agricole Sud Rhône Alpes

In the ranking of the 127 cheapest banks in France, CA Sud Rhône Alpes ranks 101th square.

Maintaining a standard account costs 24 euros per year (2 euros per month) and count 30 euros per year for an inactive account. The Internet subscription as well as the SMS alert are free. On the other hand, insurance for loss or theft of means of payment costs 24 euros per year.

Find all the pricing applied to 1er January 2019 on the CA Sud Rhône Alpes website: https://www.ca-sudrhonealpes.fr/tarifs-particuliers-credits.html

Access your online account: how to do ?

To access your online accounts, click on the « Access my accounts » button located at the top right of the home page.

Then enter your 11-digit username, then your 6-digit confidential code using your virtual keyboard.

Read also: Crédit Agricole Charente Périgord

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