BPALC’s own regional tariff is essential for this service. A CTO order is calculated differently from a PEA order, and the CTO online bands are cumulative. The Espace Bourse platform provides detailed order monitoring and corporate-action tools, but the bank account, chosen wrapper and service agreement determine eligibility.[1][3][2]
Accounts and eligibility
Sections ↑At a glance01
Accounts and bank relationship
| Item | Details |
|---|---|
| CTO | Ordinary securities account; opening and closing are free under the regional tariff.Source 1 |
| PEA / PEA-PME | Opening is free; the wrapper has separate contribution and investment rules.Source 1 |
| Provider | Banque Populaire Alsace Lorraine Champagne, rather than an interchangeable Banque Populaire group entity.Source 1 |
At a glance02
PEA structure
| Item | Details |
|---|---|
| Cash and securities | The plan combines a cash component and eligible securities holdings.Source 2 |
| Eligibility | The PEA is an individual French tax-resident investment wrapper, subject to statutory conditions.Source 2 |
| Contribution limit | The ordinary PEA accepts up to €150,000 of cash contributions; investment gains are distinct from contributions.Source 2 |
Products and markets
Sections ↑At a glance03
Investments covered by the tariff
| Item | Details |
|---|---|
| Listed securities | Shares and bonds on Euronext and other markets.Source 1 |
| Funds | Banque Populaire group and external funds; subscription costs require the relevant quotation and product documents.Source 1 |
| Unlisted holdings | Eligible unlisted securities can be held under the relevant CTO or PEA rules.Source 1 |
| Cooperative shares | Subscription, holding and redemption of the bank’s cooperative shares are shown as free.Source 1 |
At a glance04
Service choices
| Item | Details |
|---|---|
| Cash dealing | Orders are funded through the account’s cash resources.Source 1 |
| SRD | Deferred-settlement dealing has a daily financing commission and a separate rollover charge.Source 1 |
| Discretionary management | The bank lists management under mandate on a quoted-price basis, separate from self-directed Espace Bourse use.Source 1 |
Trading and account costs
Sections ↑At a glance05
CTO: online Euronext cumulative slices
At a glance06
Examples: CTO bank commission
At a glance07
Telephone CTO orders
At a glance08
PEA / PEA-PME orders
| Item | Details |
|---|---|
| Shares online | 0.50%.Source 1 |
| Shares by phone or in branch | 1.20%.Source 1 |
| SARL shares | 1.20% through telephone or branch; no online price shown.Source 1 |
| Cancelled or unexecuted order | Free in the PEA transaction table.Source 1 |
| Tax | The stated dealing rates exclude applicable financial-transaction tax.Source 1 |
At a glance09
Annual CTO custody
| Item | Details |
|---|---|
| Group holdings | Published flat charge €20.50 for the Banque Populaire group category.Source 1 |
| Other holdings | 0.24% of valuation plus applicable line charges, subject to the €36 global minimum shown for this custody category.Source 1 |
| Euronext line fee | Free.Source 1 |
| Non-Euronext line fee | €6.50 per line.Source 1 |
At a glance10
Annual PEA / PEA-PME custody
| Item | Details |
|---|---|
| Non-group holdings | 0.24% of the relevant securities value.Source 1 |
| Group holdings | 0.24%, capped at €20.50 for the group category.Source 1 |
| Euronext line fee | Free.Source 1 |
| Non-Euronext line fee | €5 per line.Source 1 |
| Reference and collection | Charged at the beginning of the calendar year for the previous year, using the prior year-end valuation and line count.Source 1 |
At a glance11
SRD financing and rollover
At a glance12
Issuer actions and other administration
| Item | Details |
|---|---|
| CTO corporate-action processing | 1.25%, minimum €2.70, maximum €15.50.Source 1 |
| Pure registered conversion | €20.50.Source 1 |
| Unlisted PEA administration | 1.20%, capped at €128 for the stated registration/management operations.Source 1 |
| Funds | Obtain the bank’s subscription quote and the fund KID; a single universal fund charge is not published.Source 1 |
Platforms, orders and execution
Sections ↑At a glance13
Digital workspace
| Item | Details |
|---|---|
| Devices | Portfolio access through computer, tablet or smartphone.Source 3 |
| Dashboard | A summary of investments, cash resources and investment results.Source 3 |
| Tracking | Monitor order progress and receive execution or expiry notifications.Source 3 |
| Alerts | The platform page describes free opt-in market alerts and automatic free order notifications.Source 3 |
At a glance14
Order types explained in the user guide
| Item | Details |
|---|---|
| Market | Prioritises execution without a price limit; the result depends on market liquidity.Source 4 |
| Best limit | Uses the best available opposing price and leaves any remainder as a limit order.Source 4 |
| Limit | Sets a purchase ceiling or sale floor, with possible partial or no execution.Source 4 |
| Stop / stop-limit | A trigger creates a market instruction or an instruction constrained by a further price limit.Source 4 |
At a glance15
Variable-trigger tactical orders
| Item | Details |
|---|---|
| Protection order | A sell trigger follows favourable price movements according to a selected percentage.Source 4 |
| Rebound order | A buy trigger follows price falls and activates after the defined rebound.Source 4 |
| Recalculation | The guide describes an evening recalculation of the trigger; the new order replaces the previous one.Source 4 |
| Execution risk | Once triggered, the described instruction becomes a market order, so the trigger is not a guaranteed fill price.Source 4 |
At a glance16
Order validity and monitoring
| Item | Details |
|---|---|
| Default validity | The guide gives month-end validity by default for the described non-market orders; check the ticket’s actual expiry.Source 4Source 3 |
| Order book | Shows instructions by asset class and provides order details.Source 4Source 3 |
| Notifications | Executed and expired orders generate platform notifications and SMS/email where configured.Source 4Source 3 |
Cash, currencies and transfers
Sections ↑At a glance17
Cash and available cover
| Item | Details |
|---|---|
| Portfolio summary | Shows securities, cash and available cover.Source 4Source 2 |
| Cash versus SRD | The guide distinguishes available cover for cash settlement and SRD.Source 4Source 2 |
| PEA movements | Adding or removing cash from a PEA is distinct from buying or selling an investment within the plan.Source 4Source 2 |
At a glance18
Outbound CTO transfer
At a glance19
Outbound PEA / PEA-PME transfer
Legal entity and investor protection
Sections ↑At a glance20
Identify the regional bank
| Item | Details |
|---|---|
| Company | Banque Populaire Alsace Lorraine Champagne, a cooperative bank in the BPCE network.Source 1 |
| Registration | RCS Metz 356 801 571.Source 1 |
| Insurance registration | ORIAS 07 005 127 relates to insurance intermediation; it is not a securities-broker licence number.Source 1 |
At a glance21
What the protection limits cover
| Item | Details |
|---|---|
| Missing securities | Eligible claims up to €70,000 per investor and institution if the failed provider cannot return the assets; ordinary securities remain the investor’s property.Source 5 |
| Associated cash at a bank | Eligible cash falls within the €100,000 deposit guarantee per depositor and banking institution, aggregated with other eligible bank deposits.Source 5 |
| Investment losses | Neither limit reimburses ordinary market losses or guarantees the issuer of a share, bond or structured product.Source 5 |
At a glance22
Identify the banking counterparty
| Item | Details |
|---|---|
| Banque Populaire Alsace Lorraine Champagne | The account agreement identifies the provider to which the protection rules attach.Source 1Source 5 |
| Aggregation | Separate accounts or pricing plans with the same legal bank do not create a fresh limit for each account.Source 1Source 5 |
Support and complaints
Sections ↑At a glance23
Customer contacts
At a glance24
Complaints and escalation
| Item | Details |
|---|---|
| Customer-satisfaction team | 03 54 22 10 09; Monday–Friday 08:30–12:00 and 13:30–17:30, French local time.Source 1 |
| Postal route | Direction Satisfaction Clients, 3 rue François de Curel, BP 40124, 57021 Metz Cedex 1.Source 1 |
| Response timetable | Acknowledgement within 10 working days and general final response within two months; payment-service complaints follow separate shorter deadlines.Source 1 |
| Securities disputes | The brochure identifies the AMF mediator for investment matters after the bank’s complaint stage.Source 1 |
Research, reporting and additional services
Sections ↑At a glance25
Records and exports
| Item | Details |
|---|---|
| Order book | Print or export in PDF or CSV.Source 4Source 1 |
| Transaction history | The guide describes the last 24 months, with date filtering and a print function.Source 4Source 1 |
| Portfolio statements | Regular quarterly, half-yearly and annual statements are free; manual reconstruction costs €250.Source 4Source 1 |
| Tax statement | Issue and dispatch of the IFU is free under the tariff.Source 4Source 1 |
At a glance26
Scheduled funds and reinvestment
| Item | Details |
|---|---|
| Hisséo | The tariff lists the scheduled-investment service as free; fund charges remain separate.Source 4Source 1 |
| Set-up | Choose the account, fund, amount, frequency and reference date, then sign electronically.Source 4Source 1 |
| Reinvestment | Eligible distributing funds can reinvest income automatically where the fund offers that option.Source 4Source 1 |
| Changes | The guide allows the customer to consult and modify scheduled payments and reinvestment elections.Source 4Source 1 |
At a glance27
Corporate actions and shareholder rights
| Item | Details |
|---|---|
| Covered events | The guide covers most Euroclear-held corporate actions and selected foreign-custody events.Source 4Source 3 |
| Customer response | View, answer, modify or cancel an election while the event’s terms allow.Source 4Source 3 |
| Meeting and IPO tools | The workspace includes shareholder-meeting participation and offered IPO subscriptions.Source 4Source 3 |
| Research | News, expert commentary, security data and fund-selection tools support the investor’s decisions.Source 4Source 3 |
Company and account provider
Sections ↑At a glance28
Company and address
| Item | Details |
|---|---|
| Legal name | Banque Populaire Alsace Lorraine Champagne.Source 1 |
| Legal form | Cooperative limited company with variable capital.Source 1 |
| Registered office | 3 rue François de Curel, 57000 Metz, France.Source 1 |
| Pricing responsibility | This profile uses the BPALC regional tariff, rather than prices from a different Banque Populaire.Source 1 |
- Headquarters
- Metz, France
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
Banque Populaire Alsace Lorraine Champagne
FranceSource 1
No separate licence entry is recorded in this panel.
Practical account considerations
Sections ↑At a glance29
Inactive securities accounts
| Item | Details |
|---|---|
| Statutory inactive account | The tariff describes custody-based charges for inactive CTO, PEA and PEA-PME accounts.Source 1 |
| Limit | Annual charges cannot exceed the custody charges that would apply if the account were not treated as inactive.Source 1 |
| Do not substitute | The €30 annual inactive-savings-account charge belongs to a separate savings-account category.Source 1 |
At a glance30
Product costs and distribution payments
| Item | Details |
|---|---|
| Group fund distribution | The bank can receive part of a fund’s subscription or management charges.Source 1 |
| Information | Details of these payments can be requested and form part of the pre-trade/annual cost disclosures.Source 1 |
| Investment decision | A fund’s internal charges are separate from a platform’s free subscription or notification service.Source 1 |
At a glance31
Practical cost comparisons
| Item | Details |
|---|---|
| Small CTO purchase | The €2.70 first slice can be material relative to the investment amount.Source 1 |
| Holding several foreign lines | The non-Euronext custody and transfer line charges can matter more than one trade’s commission.Source 1 |
| Transferring a PEA | Use the €8/€21 regional line fees and €150 cap; do not replace them with another bank’s common €15/€50 grid.Source 1 |
Sources & further reading
- BPALC — personal banking tariff effective 1 October 2026 Banque Populaire Alsace Lorraine Champagne · Accessed 29 Oct 2026
- Banque Populaire — PEA account structure and eligibility Banque Populaire · Accessed 27 Oct 2026
- Banque Populaire — Espace Bourse services, alerts and corporate actions Banque Populaire · Accessed 29 Oct 2026
- Banque Populaire — complete Espace Bourse customer guide, October 2024 Banque Populaire · Accessed 27 Oct 2026
- FGDR — securities guarantee and cash associated with an investment account Fonds de Garantie des Dépôts et de Résolution · Accessed 29 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.