Caisse d'épargne et de prévoyance Normandie

Caisse d’épargne et de prévoyance Normandie is a regional cooperative savings bank within the Caisse d’Épargne network of Groupe BPCE, serving the Normandy region across departments including Calvados, Eure, Manche, Orne and Seine-Maritime. It operates a local branch and ATM footprint and offers retail and professional banking services: current accounts, payment cards (primarily Visa), mobile and online banking with strong customer authentication under PSD2, SEPA transfers and international payments via group channels; regulated savings (Livret A, LDDS and LEP subject to eligibility), home savings plans (PEL/CEL), term accounts, investment services (securities accounts and PEA) and life insurance distributed through group insurers; consumer credit, mortgages, overdrafts and cash management; and solutions for professionals, associations and local public entities, with specialized financing and asset services provided by BPCE subsidiaries where relevant. Governance follows the cooperative model with customer-shareholders (sociétaires), and prudential supervision is exercised at group level by the ECB within the SSM and in France by the ACPR. Deposits are protected by the French deposit guarantee scheme (FGDR) up to €100,000 per depositor per institution; investor compensation can apply up to €70,000 for eligible instruments; insurance contracts are subject to the applicable insurance guarantee regime. Pricing is set out in published tariffs covering account packages, cards, transfers, overdrafts and cash operations, and rates on loans and regulated savings follow market conditions and statutory rules where applicable. Account opening requires standard KYC (identity, address and, when needed, income), and access for non-residents is subject to compliance checks. Customer service is available via branches, phone and secure messaging; unresolved complaints may be escalated to the bank’s mediator. The entity applies AML/CTF, GDPR and payment security requirements; investment products carry market risk and can result in capital loss. Prospective clients should review the latest tariff guide and product terms before subscribing.