Change bank,
without doing anything.
Thanks to the Macron law, changing banks is completely free and automated. We take care of everything: transfer of your direct debits, direct debits, recurring transfers. You don't move, we'll take care of it.
- 100% free — guaranteed by the Macron law
- 22 working days — maximum legal deadline
- Zero steps — We contact your old bank
Everything is transferred.
Really everything.
Our banking mobility service covers all recurring transactions linked to your account, without exception and at no additional cost.
Get started for freeEDF, gaz, eau, loyer, assurances…
Alimony, reimbursements…
Telephony, streaming, mutual insurance…
Notification to your employer or CAF…
Real estate, consumption, auto…
Automatic payments into savings accounts…
“We are committed to ensuring that no direct debit is rejected during your transition period. We cover any costs related to your old bank.”
— Our Commitment, Banking Mobility serviceYour old bank
vs Us
| Traditional banking | Our Banking offers | |
|---|---|---|
| Account maintenance fees | 5 to 15 € / month | 0 € |
| Frais de découvert | Up to €8/incident | 0 € (offered 30 days / year) |
| SEPA transfers | Sometimes charged | Unlimited and free |
| Mobile app | Limited or aging | Rated 4.8 ★ (4M users) |
| Advisor available | By appointment only | Chat & phone 7 days a week |
| Savings book rate | Standard regulated rate | Boosted up to 4% (6 months) |
They have changed.
They have no regrets.
“In 3 weeks, absolutely everything was changed. EDF, mutual insurance, rent, even alimony. I didn't have to make a single call. Everything was managed by your team”
“I was dreading the steps. In the end there were zero. I signed a document online, and two weeks later I received an SMS for each direct debit transferred. Impressive. »
“I had my old bank for 20 years and I didn’t dare leave. With your services, the change went smoothly. My advisor called me halfway through to check in. Very reassuring. »
All your
questions.
Do you have any other doubts? Our team responds via chat in less than 2 minutes.
Should I close my old bank myself?
No. We take care of notifying your old bank and retrieving the list of your direct debits. Closing the old account is optional and can be carried out by our services at your request, or kept for as long as you wish..
What happens if a direct debit is rejected during the transition?
We undertake to cover any incident fees that may be generated by your former bank during the transition period. In practice, this case is very rare because the overlap between the two accounts is managed in such a way as to avoid any rejection.
How long does it take to change banks?
The law imposes a maximum deadline of 22 working days. In practice, we finalize most transfers within 10 to 15 days. You receive a notification at each step, direct debit by domiciliation.
Is my employer notified automatically?
Yes. If you wish, we notify your employer of your new RIB. For civil servants, the process is carried out with the HR department of your administration. You can also do it yourself if you prefer.
Is the mobility service accessible to professionals?
Banking mobility as defined by the Macron law only applies to individuals (current accounts). For professional accounts, we offer personalized support on a quote via our team dedicated to entrepreneurs.
Are my home loans transferred?
No. Real estate and consumer loans are not part of the legal scope of banking mobility. On the other hand, we can offer you an advantageous credit buyback if you wish to consolidate your loans with us.
Ready to change banks?
Join the 350,000 customers who chose us this year. Opening in 10 minutes · Transfer in 22 days · 100% free.
In 4 steps, everything is set.
We orchestrate your banking mobility from A to Z, in strict compliance with the legal framework.
Open your account online
In 10 minutes online. Visa card activated immediately, French IBAN available within 24 hours. No need to close your old account.
Give us your consent
Sign a banking mobility mandate online. That's all. We then have legal authorization to contact your old bank on your behalf.
Automatic transfer
We retrieve the list of all your direct debits (EDF, rent, subscriptions, etc.) and notify each organization of your new RIB, without your intervention.
It's finished!
You receive a confirmation for each direct debit transferred. Your old account can be closed automatically or kept during the transition.