The main cost differences are the wrapper and the age concession. A small CTO order is subject to an €8 online minimum; a PEA order is presented without that minimum. The custody waiver is marked for customers under 28 and refers to holdings during 2026. The figures below come from the bank’s October 2026 brochure, available as a bank-authored copy hosted by MoneyVox.[1]
Accounts and eligibility
Sections ↑At a glance01
Accounts and access
| Item | Details |
|---|---|
| CTO | Ordinary securities account for eligible listed and other financial investments.Source 1 |
| PEA / PEA-PME-ETI | Wrappers with their own investment and contribution requirements.Source 1 |
| Opening / closing | Free for each of these securities accounts in the regional brochure.Source 1 |
| Digital service | Direct Écureuil Service Bourse subscription is free.Source 1 |
At a glance02
Account and investment service
| Item | Details |
|---|---|
| Self-directed route | Use the online securities space or the branch dealing channel.Source 1 |
| Management under mandate | A separate VEGA IS mandate delegates portfolio decisions and has its own fee structure.Source 1 |
| Provider | The regional Caisse d’Épargne Normandie is the bank responsible for this tariff.Source 1 |
Products and markets
Sections ↑At a glance03
Financial investments
| Item | Details |
|---|---|
| Shares, bonds and ETFs | Listed dealings; the brochure treats ETF purchases and sales as stock-exchange operations.Source 1 |
| Funds | Group and non-group collective-investment funds.Source 1 |
| Structured products | Certain Natixis CIB debt products and other structured investments, with product-specific terms.Source 1 |
| Unlisted securities | Possible under the relevant account rules, with dedicated registration and administration charges.Source 1 |
At a glance04
Group versus external holdings
| Item | Details |
|---|---|
| Group definition | Financial instruments issued by a BPCE group entity, including qualifying group ETFs and funds.Source 1Source 2 |
| Why it matters | Subscription and custody categories differ between group and non-group holdings.Source 1Source 2 |
| Risk | Group status does not create capital or return protection for an investment.Source 1Source 2 |
Trading and account costs
Sections ↑At a glance05
Euronext CTO execution
At a glance06
Euronext PEA / PEA-PME-ETI execution
At a glance07
Foreign markets and funds
At a glance08
Standard annual CTO custody
| Item | Details |
|---|---|
| Only group holdings | €32 per year.Source 1 |
| Mixed portfolio | Progressive rates: 0.40% to €50,000, 0.30% on the next €50,000 and 0.20% above €100,000.Source 1 |
| Proportional-fee bounds | €36 minimum and €315 maximum for the mixed-portfolio proportional component.Source 1 |
| Mixed-portfolio lines | €4.65 per line per year in addition to the proportional charge.Source 1 |
| Empty securities account | €32 per year in the standard schedule.Source 1 |
At a glance09
Standard annual PEA custody
| Item | Details |
|---|---|
| Progressive rates | 0.40% to €50,000; 0.30% on the next €50,000; 0.20% above €100,000.Source 1 |
| Group-category cap | €32 per year for the proportional component.Source 1 |
| Non-group-category cap | €315 per year for the proportional component.Source 1 |
| Mixed categories | The applicable category caps are added; the brochure does not give one €315 all-in ceiling for every mixed PEA.Source 1 |
At a glance10
PEA line charges and billing
| Item | Details |
|---|---|
| Listed line | €4.65 per year, including the group listed category.Source 1 |
| Unlisted non-group line | €25 per year.Source 1 |
| Caps | Line charges are outside the stated proportional-fee caps.Source 1 |
| Collection basis | Annual March billing uses the previous 31 December valuation.Source 1 |
At a glance11
Custody concession for customers under 28
| Item | Details |
|---|---|
| Age restriction | The brochure marks the CTO and PEA custody headings “under 28: free”.Source 1 |
| Reference period | Its footnote applies the concession to holdings from 1 January to 31 December 2026.Source 1 |
| Billing interpretation | This is not a general waiver for all customers or a statement that every March 2026 debit is zero; annual billing uses the preceding valuation period.Source 1 |
At a glance12
Unlisted securities charges
At a glance13
Other investment charges
| Item | Details |
|---|---|
| Specified Natixis CIB bond | No bank subscription or exit charge is shown for the defined product category; the security’s own terms and risks remain.Source 1 |
| Cooperative shares | Subscription, holding and redemption charges are free.Source 1 |
| Trade confirmation | Free.Source 1 |
| Annual IFU | Issue and dispatch free.Source 1 |
At a glance14
Examples: bank execution commission only
Platforms, orders and execution
Sections ↑At a glance15
Direct Écureuil workspace
| Item | Details |
|---|---|
| Portfolio view | Holdings in the securities account or PEA, instrument performance and valuation changes.Source 2 |
| Order book | Pending purchases and sales and a history of operations.Source 2 |
| New issues | Online participation in offered IPOs and privatisations.Source 2 |
| Fund selection | Access to the group fund list through the order-entry process.Source 2 |
| Corporate actions and voting | Eligible events provide an online response button; general meetings with Vote AG can be voted through the portfolio.Source 2 |
At a glance16
Information and monitoring
| Item | Details |
|---|---|
| Market information | Financial news and the Bourse magazine.Source 2 |
| Favourite securities | Create personal lists of securities to follow.Source 2 |
| Performance | View investment results and realised gains/losses summaries.Source 2 |
| Execution | Follow the live order status; displayed market information does not guarantee the execution price.Source 2 |
| Alerts outside the session | Configurable price/news alerts can arrive by SMS or email without remaining connected to the securities space.Source 2 |
Cash, currencies and transfers
Sections ↑At a glance17
Cash and securities are different operations
| Item | Details |
|---|---|
| Investing | Buying or selling a security changes the holdings and corresponding account cash.Source 1 |
| External cash withdrawal | A cash movement from a PEA can have wrapper consequences distinct from a sale kept inside the plan.Source 1 |
| In-kind transfer | The transfer schedule moves the securities relationship; it is not a cash-withdrawal commission.Source 1 |
At a glance18
External transfer prices
At a glance19
Within the Caisse d’Épargne network
Legal entity and investor protection
Sections ↑At a glance20
Regional legal bank
| Item | Details |
|---|---|
| Name | Caisse d’Épargne et de Prévoyance Normandie.Source 1 |
| Legal form | Cooperative bank incorporated as a limited company.Source 1 |
| Insurance registration | Any ORIAS reference in the brochure concerns insurance intermediation; it is not a securities-trading authorisation 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 3 |
| 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 3 |
| Investment losses | Neither limit reimburses ordinary market losses or guarantees the issuer of a share, bond or structured product.Source 3 |
At a glance22
Identify the banking counterparty
| Item | Details |
|---|---|
| Caisse d’Épargne et de Prévoyance Normandie | The account agreement identifies the provider to which the protection rules attach.Source 1Source 3 |
| Aggregation | Separate accounts or pricing plans with the same legal bank do not create a fresh limit for each account.Source 1Source 3 |
Support and complaints
Sections ↑At a glance23
Getting account help
| Item | Details |
|---|---|
| First contact | The customer’s adviser or branch.Source 1Source 2 |
| Digital route | The bank’s authenticated personal space and the regional “Nous contacter” route.Source 1Source 2 |
| Instruction record | Keep the order confirmation and account documents when asking the bank to investigate an execution.Source 1Source 2 |
At a glance24
Complaint procedure
| Item | Details |
|---|---|
| Customer-relations address | Caisse d’Épargne Normandie, Service Relations Clientèle, BP 854, 76235 Bois-Guillaume.Source 1 |
| Acknowledgement | Within 10 working days of sending the complaint, unless answered in that period.Source 1 |
| General final response | Within two months; payment-service complaints have separate 15/35-working-day rules.Source 1 |
| Investment mediation | The brochure identifies the AMF mediator for eligible investment and securities-account disputes.Source 1 |
Research, reporting and additional services
Sections ↑At a glance25
Portfolio and tax documents
| Item | Details |
|---|---|
| Portfolio export | Download the portfolio as a PDF through Direct Écureuil.Source 1Source 2 |
| Extra portfolio statement | €30.54 for an ad hoc statement.Source 1Source 2 |
| Duplicate IFU | €20.36, distinct from the free annual original.Source 1Source 2 |
| Tax responsibility | A platform gains/losses display and IFU support reporting but do not determine every customer’s personal tax position.Source 1Source 2 |
At a glance26
VEGA IS mandates signed or amended from 16 March 2026
| Item | Details |
|---|---|
| Annual charge | 1.20% including VAT for the defined all-inclusive service.Source 1 |
| Components | 1.10% management plus 0.10% custody/administration.Source 1 |
| Collection | Half-yearly, based on the average month-end portfolio valuations.Source 1 |
| Additional amounts | Taxes and exchange stamp duties can still be charged separately.Source 1 |
At a glance27
Mandate version and termination
| Item | Details |
|---|---|
| Earlier mandates | Contracts signed before 16 March 2026 have a different structure, including movement commissions and custody.Source 1 |
| Distribution payments | The brochure discloses remuneration shared with the bank and associated conflicts of interest.Source 1 |
| End of mandate | Standard CTO/PEA tariff conditions are restored when the mandate is terminated.Source 1 |
Company and account provider
Sections ↑At a glance28
Company identification
| Item | Details |
|---|---|
| Registered office | 151 rue d’Uelzen, 76230 Bois-Guillaume, France.Source 1 |
| Registration | RCS Rouen 384 353 413.Source 1 |
| Group relationship | The regional bank is part of the BPCE / Caisse d’Épargne network.Source 1 |
| Distributor status | The brochure describes non-independent distribution, mainly using BPCE-group producers.Source 1 |
- Headquarters
- France
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
Caisse d’Épargne et de Prévoyance Normandie
FranceSource 1
No separate licence entry is recorded in this panel.
Practical account considerations
Sections ↑At a glance29
Inactivity and ordinary custody
| Item | Details |
|---|---|
| Inactive securities account | The brochure applies custody-based charges to legally inactive CTO/PEA accounts.Source 1 |
| Annual limit | Charges cannot exceed the custody that would apply to the same account if it were active.Source 1 |
| Ordinary no-trade period | Not placing a new trade does not itself make the standard custody charge disappear.Source 1 |
| Statutory inactivity conditions | The brochure describes five years without a qualifying operation for securities accounts, together with no customer/representative contact or operation on another account at the bank. A short period without trades is not this statutory test.Source 1 |
At a glance30
Optional Bourse Esprit Écureuil services
| Item | Details |
|---|---|
| Subscription component | Shown as free if taken individually.Source 1 |
| “Prise de bénéfices” component | €10 per year when taken individually.Source 1 |
| “Assurance moins-values” component | €7 per year when taken individually; the brochure’s price is not evidence of blanket insurance against investment losses.Source 1 |
| Three-service bundle | €12 is shown, but its billing period is not expressly printed in that row; confirm the subscription terms.Source 1 |
Sources & further reading
- Caisse d’Épargne Normandie — tariff effective 1 October 2026, bank-authored PDF hosted by MoneyVox Caisse d’Épargne et de Prévoyance Normandie · Accessed 29 Oct 2026
- Caisse d’Épargne — Direct Écureuil service bourse functions Caisse d’Épargne · Accessed 29 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.