Banque Laydernier

Banque Laydernier is a French regional banking brand historically serving the Alpine and Lake Geneva areas (notably Savoie and Haute-Savoie) within the former Crédit du Nord group; following the consolidation of Crédit du Nord and Société Générale retail networks, its activities have been integrated into the SG retail network. It offers standard services for individuals, professionals and SMEs, including current accounts, debit and credit cards, overdraft facilities, domestic and international payments (SEPA, instant transfers and foreign currency transfers), regulated savings (Livret A, LDDS, LEP, PEL/CEL), life insurance and securities accounts (including PEA), as well as consumer and home loans; for businesses, the catalog includes cash management, merchant acquiring, equipment financing, leasing and trade services delivered through the Société Générale group. Due to its geography, the bank has traditionally served cross-border commuters to Switzerland and supports international transfers and related needs via group solutions. Access is provided through regional branches and digital channels (web banking and the SG mobile app), with strong customer authentication under PSD2 and support for major mobile wallets; onboarding and product access are subject to KYC and eligibility criteria. Pricing follows the French model of à-la-carte fees and bundled packages, with card, account maintenance and optional service charges set out in the tariff guide; rates and FX margins vary by profile. Deposits are covered by the French deposit guarantee scheme (FGDR) up to the legal limit, while market and insurance products carry their own risks and guarantees. The ongoing network integration has entailed branding and systems changes, with processes and contact points progressively migrating to SG.