the banks' rentrée offers for students


Whilst it would be lovely to protect our offspring (and, indeed, ourselves) from the evils of banking, until the next generation invents a bank-free society they remain a necessary evil.

So here are the top six rentrée offers for this year's students looking to get their hands on a bank card.




Société Générale


Cost of bank card: for under 18s: 1.80 per month for Vpay and 1.92 for Visa. 18s-25s: 3.60 and 3.85. Insurance included.

Free overdraft: 18-25s: up to 460€ for five days (not necessarily consecutive) per calendar month

Extras: for an annual fee of 12€ you get a SoMusic card allowing music downloads from Universal Music and offers on concerts.

www.societegenerale.fr

LCL - Le Crédit Lyonnais 


Cost of bank card: 1 € for the first year.

Free overdraft facilities: up to 400 €.

Extras: An advance on rentrée costs of up to 1,000€. Loylaty schème offering 5 % reduction on the purchase of certain student items.

www.lcl.fr

La Banque Postale


Cost of bank card:  3.75 € for 16-17 year olds and  et 7.50 € for 18-25 year olds, insurance included.

Overdraft facilities: a 3 € limit per academic term on hovercraft charges for 18-25 year olds allowing them interest free overdraft for  nine days within the month.

Extras: Free recorded delivery on cheque books and bank cards plus postage paid enveloppes for administering your account.

www.labanquepostale.fr

Caisse d'Epargne


Cost of card: 1€ per month, insurance included, for 18-25 year olds.

Overdraft: interest free up to 400€ for authorised hovercrafts. More for those with a salary or parental guarantee.

Extras: SMS alerts about your account and you can administre it from your mobile as well as on the internet.

www.caisse-epargne.fr

BNP Paribas


Cost of bank card: 20€ per year or 1.65€ per month for 18-24 year olds for Visa card.

Overdraft charges: no charges for the first year as long as you respect your authorised limit.

Extras: mobile access to your account; interest-free loan of up to 1,000€ and réductions on purchases from the bank's partners.

www.bnpparibas.net

BRED-Banque Populaire


Cost of card: 2€ per month for a Visa ou Mastercard for 18-27 year olds.

Free overdraft: up to 250 €.

Extras: if you are a student and signed up for LMDE (La mutuelle des étudiants) and you register for the bank's Dédié Jeunes before the  31 October 2012, you will only pay 1€ for the duration of your studies.

 www.banquepopulaire.fr

source: L'etudiant newspaper.

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