Creating a company: Opening a Business Bank Account
Verified 01 January 2023 - Directorate for Legal and Administrative Information (Prime Minister)
Depending on the type of company you are creating, you may be required to create a business bank account.
What applies to you ?

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Micro-entrepreneur
Opening a business bank account allows you to separate your business operations from those you carry out in your personal life.
In addition, a business account can give you access to certain rights and benefits exclusively reserved for professionals, including personalised support in managing your business account.
Opening a professional bank account is not mandatory for a micro-entrepreneur at the time of the company's creation, because there is no deposit of share capital to be made.
It is required to have a bank account. Your personal account is enough.
On the other hand, if your annual turnover exceeds €10 000 during 2 consecutive years, you will have the obligation to create a dedicated account to your professional activity.
Dedicated account is not a business account, it is just a separate account of your personal account and which is dedicated to your activity.
It allows you to differentiate between your personal and business transactions.
You must provide your bank with the following:
- ID of
- If you are working in a business premises, proof of use of the premises (examples: commercial lease, proof of domicile at the director's address with proof of domicile)
If your bank refuses to open a bank account in your name, it must provide a certificate or a letter of refusal to open an account.
You will then have to get closer to the Banque de France to designate a banking institution that shall have to open a bank account.
Individual Entrepreneur
Opening a business bank account allows you to separate your business operations from those you carry out in your personal life.
In addition, a business account can give you access to certain rights and benefits exclusively reserved for professionals, including personalised support in managing your business account.
Opening a Business Bank Account is not required for an individual contractor at the time of the company's creation, because there is no deposit of share capital to be made.
It is required to have a bank account. Your personal account is enough.
On the other hand, if your annual turnover exceeds €10 000 during 2 consecutive years, you will have the obligation to create a dedicated account to your professional activity.
Dedicated account is not a business account, it is just an account separate of your personal account and which is dedicated to your activity.
It allows you to differentiate between your personal and business transactions.
Warning
once you open a bank account dedicated to your business you must add your name (with Individual Entrepreneur or ISIS).
You must provide your bank with the following:
- ID of
- If you are working in a business premises: proof of use of the premises (examples: commercial lease, proof of domicile at the director's address with proof of domicile)
If your bank refuses to open a bank account in your name, it must provide a certificate or a letter of refusal to open an account.
You will then have to get closer to the Banque de France to designate a banking institution that shall have to open a bank account.
Business
Opening a business bank account allows you to separate your business operations from those you carry out in your personal life.
In addition, a business account can give you access to certain rights and benefits exclusively reserved for professionals, including personalised support in managing your business account.
Opening a business bank account is required for creating a business.
This step usually occurs just beforebusiness registration. Indeed, it is often the account on which you make the capital deposit which is a pre-registration process.
The following documents should be sent to the bank:
- Request to open a business bank account
- Leader ID
- Draft Statutes
- If the activity is carried out in a business premises, proof of use of the premises (example: commercial lease)
The bank will open provisional business account on behalf of the business and will provide certificate of fund blocking following the deposit of the share capital.
Once you have registered your business, you will need to provide a proof of registration for the funds to be released and the business account is definitively open.
If your bank refuses to open a bank account in your name, it must provide a certificate or a letter of refusal to open an account.
You will then have to get closer to the Banque de France to designate a banking institution that shall have to open a bank account.
To small and medium-sized and micro-entreprises, do you have a business project, a difficulty or a question ?
Quick and simple public service: you will be contacted over the phone by one of our experts.
Speak with an advisor on Place des Entreprises- Law No. 2019-486 of 22 May 2019 on the growth and transformation of companies: Article 39Article 39
- Monetary and Financial Code: Article L312-1
- Monetary and Financial Code: Item D312-5
- Trade Code: Item L123-24Traders
- Trade Code: Item R526-27Name of bank account (EI)
- Order of 31 July 2015 fixing the list of documents for the exercise of the right to the account with the Bank of France
- Business account entitlement
Online service
- Business Account Application Form
Online service