Banque de Savoie

Banque de Savoie is a French regional retail and commercial bank headquartered in Chambéry, operating a branch network concentrated in Savoie, Haute‑Savoie and nearby departments, and serving individuals, professionals, associations and small to mid‑sized businesses. Its core services include current accounts with domestic and international payment instruments (including cheques and co‑badged cards), overdraft facilities, regulated savings such as Livret A and LDDS (and, where eligible, LEP), term deposits, home‑savings plans (PEL/CEL), consumer credit and residential mortgages. It also provides investment and insurance distribution, including securities accounts and PEA, as well as life insurance contracts via partner insurers. For businesses, the bank offers accounts, cash management, merchant acquiring, equipment and real‑estate financing, and may provide leasing or factoring solutions through partners. Digital channels include online banking and iOS/Android apps supporting account monitoring, SEPA transfers (including instant transfers where available), card controls, secure messaging and e‑statements; authentication follows PSD2 strong customer authentication and 3‑D Secure for online card payments. Pricing is set out in the bank’s brochure tarifaire and typically includes monthly package fees, card fees, charges for international transfers and non‑euro card usage, and fees for certain in‑branch or paper services. Account opening generally requires standard KYC documentation (proof of identity, address and income) and may be available online for selected products; service is provided primarily in French. Deposits are covered by the French deposit guarantee scheme (FGDR) up to €100,000 per depositor, and the institution is supervised by the ACPR within the EU regulatory framework. The bank’s footprint is regional, so customers outside its area of presence interact mainly via remote channels rather than local branches.