Fichier de banque de France: Tout savoir sur l'enregistrement

The fichier de banque de France, also known as the bank account register, is a crucial document that every French citizen should be familiar with.

To start with, the fichier de banque de France is a centralized database that stores information about all bank accounts in France. It's maintained by the Banque de France, the country's central bank.

The fichier de banque de France contains information on all bank accounts, including current accounts, savings accounts, and credit card accounts. This information is used for various purposes, including anti-money laundering and financial inclusion efforts.

In France, it's mandatory for banks to report all bank account information to the fichier de banque de France. This means that all banks must submit regular updates on their customers' accounts to the Banque de France.

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Bank filing refers to being listed in a database maintained by the Banque de France. This database contains information about individuals who have had issues with their bank accounts or credit.

There are three types of bank filing: FCC, FNCI, and FICP. FCC is for excessive withdrawals or credit card transactions, FNCI is for stolen, lost, or closed accounts, and FICP is for personal debt or difficulty paying back a loan.

Being banned from banking essentially means you're listed in the FICP file.

The registration process for a fichier de la Banque de France can be triggered by various situations.

If you fail to pay two monthly credit installments or an incident equivalent to two monthly installments, your bank may register you in the fichier.

Tardiness in paying an installment can also lead to registration, particularly if it's been 60 days since the due date.

Exceeding your authorized overdraft limit and failing to pay back the amount within 60 days, if it's over €500, can also result in registration.

If your credit provider initiates judicial proceedings or declares the contract null and void after a failed request, you may be registered in the fichier.

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Lastly, if you file a complaint with the commission de surendettement, your bank may also register you in the fichier.

Here are the specific situations that can lead to registration in the fichier:

Note that only one incident of remboursement is registered in the FICP for a single credit.

Registration in the fichier des incidents bancaires can have serious consequences on your ability to obtain credit from banks.

Banks consult this fichier before granting a loan to a new client or authorizing a overdraft.

They are required to check the fichier before:

Checking the fichier is optional for the attribution or renewal of payment means, such as a credit card or a checkbook.

Being banned from banking does not necessarily mean you cannot get a new loan, but it will be very difficult to convince a bank to lend you money.

You're automatically registered at the FICP when you submit a debt repayment plan, and the information about your situation is shared with the commission or the court's clerk.

If you're French, you can be registered at the FICP even if you live abroad.

You can be registered at the FICP if you're late on a loan repayment, including a overdraft, under certain conditions.

A law doesn't prevent you from applying for a new loan while being registered at the FICP, but in practice, lenders are hesitant to lend to someone identified as a "bad payer."

You can be registered at the FICP by the Banque de France if you submit a debt repayment plan, and you'll benefit from a cap on incident fees on your account, and you'll be registered for up to 7 years.

Etablissements de crédit, sociétés de financement et établissements de paiement peuvent consulter le FICP pour étudier la solvabilité d'une personne.

You have the right to access the file, and you can do so online on the Banque de France's website, in person at a local branch, or by mail.

Etablissements de crédit, établissements de paiement et de monnaie électronique peuvent consulter le fichier avant d'accorder un moyen de paiement.

Your inscription au FICP does not prevent you from obtaining a credit in principle.

You can access the file online, in person, or by mail through a local Banque de France branch.

The FNCI is a valuable tool for protecting against check fraud. It's a file managed by the Banque de France that keeps track of irregular checks.

This file is fed by banks, who report checks that have been declared lost or stolen, or issued on a closed account or for a person who's been banned from banking.

Only the recipients of checks who are signed up for the Vérifiance FNCI service can access this file to verify the authenticity of the checks they receive.

Accédez aux données de la Banque de France avec Synapse. SysperTec est reconnu comme fournisseur de solutions d'accès au Portail Bancaire Internet POBI via son concentrateur Synapse, qui respecte les normes de sécurité et de fiabilité exigées par la Banque de France.

La Banque de France utilise le Portail Bancaire Internet POBI pour partager ses données avec des fournisseurs de solutions comme SysperTec.

SysperTec a développé Synapse pour répondre aux exigences de sécurité et de fiabilité de la Banque de France.

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Synapse offers a truly simplified and optimized process for collecting and utilizing data within business procedures, making it easier to access the Banque de France's files.

Facilité d'interrogation et confort d'utilisation : les requêtes auprès des différents fichiers Banque de France s'effectuent depuis une interface unique et ergonomique.

This means you can easily query different files from the Banque de France using a single, user-friendly interface.

Possibilité d'effectuer des requêtes sur les personnes physiques ou morales selon différents critères : numéro SIREN, clé BDF, clé bancaire, nom...

You can search for individuals or companies based on various criteria, such as SIREN number, BDF key, bank key, or name.

Here are some key features of Synapse's ergonomic access:

To access the Banque de France files, you can create a personal space on their website, which requires verifying your identity by attaching a copy of your ID card that includes your birthplace.

You can also request a consultation of the banking incidents file by sending a letter to Banque de France at TSA 50120 – 75035 PARIS CEDEX 01.

The Banque de France has multiple channels for making this request: by phone at 34 14, or in person at an agency with a scheduled appointment.

After submitting your request, you'll receive a list of incidents recorded under your name in the banking incidents files, along with the name of the bank that made the entry.

This information will either confirm that you're not registered in the FICP or that you're banned from banking activities.

To make a request by phone or in person, you can use the following options:

Ergonomic access is a must-have in today's fast-paced world. With Synapse, you can simplify and optimize the data collection process, making it a breeze to use.

Facilité d'interrogation et confort d'utilisation are key features of Synapse. You can access different files, such as the Banque de France's FCC, FNCI, FICP, and FIBEN, from a single, user-friendly interface.

Requiring multiple logins and navigating through various platforms can be a real pain. But with Synapse, you can automate the process of connecting and collecting data, making it lightning-fast.

Synapse offers two modes of use, catering to the unique needs of each establishment. You can choose to receive information in a format that suits your requirements, be it HTML, XML, or PDF.

The ability to consult and print data, as well as order official documents, is a significant advantage. You can also set up follow-up mechanisms with alerts, ensuring you never miss an important update.

Consulting multiple results at once can be overwhelming. But with Synapse, you can view your results in modules or as a whole, making it easier to analyze and understand.

Gestion de la notarisation des consultations FICP is a valuable feature, allowing you to obtain proof of consultation in case of any disputes.

Here are some of the key features of Synapse's ergonomic access:

You can exercise the right to a bank account even if you're banned from banking, listed on the Banque de France's incident files, or in a state of over-indebtedness.

This right applies to both personal and professional accounts, as well as to companies and associations that can't open a bank account.

If you're denied a bank account, you can request to benefit from this procedure, regardless of the reason for the denial.

You can also exercise this right if you only have a joint account or if your account is in the process of being closed.

To qualify, you'll need to prove that a bank has refused to open an account for you.