Co-founder of Affari Miei
February 19, 2024
If you are thinking of opening a current report Crédit Agricole you are in the right place: here on Affari Miei I have always been responsible for reviewing and presenting you with the best accounts and the best offers for you.
Today we will look at the offer together Agricultural credita company created to respond to those who need a mainly operational account that allows them to carry out basic operations at low costs, allowing them to manage savings efficiently.
We are faced with a complex and effective banking offer, since this is among the main European institutions and has appeared in our country by acquiring other smaller entities. Let’s find out everything there is to know about Crédit Agricole current accounts!
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A few words about Credit Agricole
The history of the bank dates back to 1860, when it was born from local credit institutions that were merged together.
In 2007, however, the Gruppo Crédit Agricoleafter Cariparma becomes part of the group itself.
It is a bank that is deeply rooted in the Triveneto area.
2011 saw the entry of Crédit Agricole Carispezia into the Group, following the sale by Intesa Sanpaolo of the entire stake (79.99%) held through Banca CR Firenze in Cassa di Risparmio della Spezia.
February 26, 2019 is an important date as the bank took on its current corporate name.
To better understand the group’s reality we can analyze its numbers: today the Group is the seventh player on the Italian market with almost 1000 sales points and over 1,700,000 customers. The Group remains anchored to its territory despite its international scope thanks to the membership of a Agricultural credit which is the first banking group in France.
Is Crédit Agricole safe?
Is this bank safe? This is an essential question. I can reassure you: this institution has the highest rating among the banking groups operating in Italy.
Moody’s confirmed the A3 rating on long-term deposits, a more unique than rare case in the European and even global banking panorama, where instead large groups have had to pay a rather high bill for the subprime mortgage crisis, the credit crunch and the recent real estate bubble.
Therefore, in terms of safety and solidity there are no problems whatsoever, as it is one of the most solid groups in Europe.
The bank, in any case, is a member of the Interbank Protection Fund and therefore guarantees, both on current and deposit accounts, all sums paid up to 100,000 euros, even in the event of the bank’s bankruptcy.
Small and medium-sized savers can therefore sleep more than peacefully regarding the safety of their deposits.
But now let’s see the characteristics of the current account!
Features of the Crédit Agricole Account
Il Bank account it opens conveniently online, following the instructions on the site.
This is a zero-fee account that can be opened in 5 simple steps:
By selecting the branch, you can do everything from App e Home Banking; By entering your personal data, filling in the registration form using identity documents and health cards; Completing the own profile; Identifying with videoselfie o wire transfer; By signing i digital contractsyou will be able to proceed without documents to print and making a green choice.
By choosing this account you can also count on the support of a dedicated consultant who will follow you on a daily basis in managing your savings, for investments or for questions related to mortgages and insurance.
Of course, despite being a perfect account to open and manage online, no one is stopping you from going to the nearest branch. However, know that the convenience of the online account is that you can open it with a selfie and sign digitally.
The Crédit Agricole Card
When you open your account, you can request the carta contactless which best suits your needs.
In fact, you can choose between three different types of cards which I will now briefly describe to you:
Easy Cash, the debit card: it is a debit card for paying in shops, withdrawing money in Italy and abroad, and carrying out the main banking transactions at enabled ATMs. You can pay quickly and easily in contactless mode and consult your balances directly from the App. The card is free of charge and you will receive it directly at home;
EasyPlus, the Mastercard debit: it is a card for withdrawing and paying in Italy and abroad and for making online purchases. It is also useful to connect to your Google Pay or Apple Pay to allow your smartphone to become your new wallet and practically abandon cash. It is also free of charge;
Nexi Classic, the credit card: this is the credit card for making purchases, even online, both in Italy and abroad with which you can pay comfortably the following month. You can also choose to pay in installments, and with the easy shopping function you can choose and decide whether to pay in installments for a single purchase or for multiple expenses together.
Cashback in Amazon gift cards
An interesting promotion for those who open a Crédit Agricole online account concerns the cashback.
If you open the zero-fee online account and, among the various cards I presented to you earlier, request the Mastercard Debityou can use it both online and in store to receive cashback up to 100 euros in Amazon gift cards.
But let’s see in detail how to get your cashback.
First of all you will have to open the account by February 29th 2024, entering the promotional code “VISA” in the opening form. You will then need to use the debit card linked to the account for payments via POS/digital wallets or to make online purchases. If you make at least one transaction you will receive €50 in Amazon vouchers and if you continue to use the Visa card online or in store, then you can receive up to €100 in Amazon gift vouchers.
The costs of the Crédit Agricole account
After seeing the features and advantages of the account, we can move on to analyze the costs that you will have to pay for this current account.
As we have seen, the account is zero-fee if you open it by February 29th, and you have included the card Mastercard Debit to withdraw money worldwide and make your purchases online.
Furthermore you can manage everything independently and very simply and conveniently via the application.
In summary you will have:
Zero-fee account; Fee-free debit card; Free withdrawals on ATM Crédit Agricole; Free online SEPA transfers.
How to open a current account?
We saw the procedure for opening the account before, in fact if you want to open this type of instrument with this bank you can do it comfortably online by visiting the official website.
This is a very simple procedure that you can do quickly.
Keep your documents and possibly the old IBAN with you if you want to move an account to Crédit Agricole.
If you feel unsure, you can leave your details and you will be guided by an operator who will contact you again.
My Business Opinions
Concluding the review, we can only analyze the IT structures on which Crédit Agricole’s offer is based: the accounts are managed following the highest security standards and it also offers a rather unique transaction authorization system.
With a call from your mobile phone you can give OKs via the Now Banking system, which is particularly secure as it is based on a double authentication channel.
Furthermore, the choice is varied, the costs of the fees can be eliminated, and every type of saver can find the right account for themselves… But be careful! Some cost-free conditions include insurance investments that may not always be convenient for you.
Before opening an account, in any case, I advise you to always compare the offer with that of other banks. For this reason, I keep you on Affari Miei always updated on the best accounts.
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