Time Deposit Accounts

Compare Time Deposit Accounts in France

Updated on 23 September 2020

9 offers from 7 banks
Interest Rates: 0.01 - 1.15 % p.a.
Deposit Terms: 3 - 84 months
Rating
 (5.0)
Currency
EUR
Interest Rate (p.a.)
0.15 - 0.85 %
Deposit Term
3 - 60 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.15 %
Max. Interest Rate (p.a.)
0.85 %
Min. Deposit Term
3 months
Max. Deposit Term
60 months
Time Deposit Account Provider
 (5.0)

In April 2017, GE Money Bank was acquired by Cerberus Capital Management and started operating as My Money Bank. My Money Bank is specialized in consumer credit, car loans and savings accounts.

Rating
 (5.0)
Currency
EUR
Interest Rate (p.a.)
0.10 - 0.75 %
Deposit Term
3 - 60 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.10 %
Max. Interest Rate (p.a.)
0.75 %
Min. Deposit Term
3 months
Max. Deposit Term
60 months
Time Deposit Account Provider
 (5.0)

My Partner Bank (formerly Banque Espirito Santo et de la Vénétie (BESV)) is a French bank, specializing in providing financial advising and solutions to business clients, as well as in providing of banking services to business clients and private individuals.

Rating
n/a
Currency
EUR
Interest Rate (p.a.)
0.01 - 0.81 %
Deposit Term
3 - 84 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.01 %
Max. Interest Rate (p.a.)
0.81 %
Min. Deposit Term
3 months
Max. Deposit Term
84 months
Time Deposit Account Provider

Crédit Agricole Consumer Finance (CA Consumer Finance) is a consumer credit provider and a member of Crédit Agricole Group. CA Consumer Finance specializes in various areas of consumer credit, including direct sales, point-of-sale financing (home equipment, vehicles, etc.), e-commerce and brokerage.

Rating
n/a
Currency
EUR
Interest Rate (p.a.)
0.06 - 0.81 %
Deposit Term
6 - 84 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.06 %
Max. Interest Rate (p.a.)
0.81 %
Min. Deposit Term
6 months
Max. Deposit Term
84 months
Time Deposit Account Provider

Crédit Agricole Consumer Finance (CA Consumer Finance) is a consumer credit provider and a member of Crédit Agricole Group. CA Consumer Finance specializes in various areas of consumer credit, including direct sales, point-of-sale financing (home equipment, vehicles, etc.), e-commerce and brokerage.

Rating
n/a
Currency
EUR
Interest Rate (p.a.)
0.10 %
Deposit Term
6 - 12 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.10 %
Max. Interest Rate (p.a.)
0.10 %
Min. Deposit Term
6 months
Max. Deposit Term
12 months
Time Deposit Account Provider

EBI SA (Ecobank International SA) provides corporate banking products and services (including international trade finance, bank guarantees) to multinational companies, commodity traders, NGOs and financial institutions involved in business activities with Africa.

 UBAF
DEGermany
Rating
 (5.0)
Currency
EUR
Interest Rate (p.a.)
0.10 - 0.25 %
Deposit Term
6 - 12 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.10 %
Max. Interest Rate (p.a.)
0.25 %
Min. Deposit Term
6 months
Max. Deposit Term
12 months
Time Deposit Account Provider
 (5.0)

Established in 1970, Union de banques arabes et françaises (U.B.A.F) specializes in international trade finance between Europe, Asia and the Arab world.

 Banque BCP
DEGermany
Rating
 (2.3)
Currency
EUR
Interest Rate (p.a.)
0.35 - 0.55 %
Deposit Term
12 - 24 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.35 %
Max. Interest Rate (p.a.)
0.55 %
Min. Deposit Term
12 months
Max. Deposit Term
24 months
Time Deposit Account Provider
 (2.3)

Banque BCP provides a broad range of retail banking products to individuals, professionals and SMEs: deposits, investments, consumer, mortgage and business loans, payment cards, insurance, home savings.

Rating
n/a
Currency
EUR
Interest Rate (p.a.)
0.80 - 0.90 %
Deposit Term
24 - 36 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.80 %
Max. Interest Rate (p.a.)
0.90 %
Min. Deposit Term
24 months
Max. Deposit Term
36 months
Time Deposit Account Provider

YOUNITED (Younited Credit) is a French credit institution, specialized in providing a broad range of consumer finance solutions. YOUNITED offers consumer loans, car loans, and credit cards. YOUNITED was founded in 2009 and was previously known as PRET d'UNION.

Rating
n/a
Currency
EUR
Interest Rate (p.a.)
0.80 - 1.15 %
Deposit Term
24 - 36 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.80 %
Max. Interest Rate (p.a.)
1.15 %
Min. Deposit Term
24 months
Max. Deposit Term
36 months
Time Deposit Account Provider

YOUNITED (Younited Credit) is a French credit institution, specialized in providing a broad range of consumer finance solutions. YOUNITED offers consumer loans, car loans, and credit cards. YOUNITED was founded in 2009 and was previously known as PRET d'UNION.

DEGermany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.
ATAustria: This product is offered to Austrian residents only. When clicking on the product link you will be redirected to the product page in German.

Time deposits accounts are interest-bearing deposit accounts offering higher interest rates than savings accounts. However the money deposited to such account cannot be withdrawn for a specified period of time (term).

The table above shows essential details of selected time deposit products offered to retail customers by the banks in France: currency, interest rate per annum and deposit term. The time deposit accounts terms vary from 3 month to 7 years (84 months). The interest rates are within the range 0.01 - 1.15 %. The interest rates provided in the table do not take into account withholding tax levied on interest income in France.

Average Deposit Rates. In March 2020, average annual deposit interest rate in local currency (Euro) of new contracts with fixed term up to 1 year between credit institutions and retail customers (households) was 0.76 %.

Country Deposit Rating. France's Moodys country ceiling (the highest rating that can be assigned) for deposits in local currency is set to Aaa (prime).

Deposit Guarantee. Time deposit accounts made with credit institutions in France are covered by deposit guarantee scheme up to 100,000 EUR per depositor.

Withholding Tax. Interest income gained on time deposit accounts by non-residents of France is not taxed. Interest gained on time deposit accounts by residents of France is taxed at 24.00% rate. When the interest is paid, this tax is automatically withhold from the time deposit account by the bank.

Other Banking Products in France

See Also