CIC’s securities convention combines custody and administration in a half-yearly charge, while each trade adds brokerage. Its €250 half-year ceiling for an individual differs materially from Crédit Mutuel CMCEE despite similar online commission tiers. Use the CIC bank named in the account agreement and model both the recurring fee and trading activity.[1]
Accounts and eligibility
Sections ↑At a glance01
Accounts covered by the retail tariff
| Item | Details |
|---|---|
| CTO | Ordinary securities account for the broader eligible investment range.Source 1 |
| PEA and PEA-PME | Both wrappers are covered by the securities-service convention and tariff.Source 1 |
| Retail versus institutional | The schedule is expressly for the general retail branch network; negotiated institutional arrangements are separate.Source 1 |
At a glance02
PEA entry requirements
| Item | Details |
|---|---|
| Who can open | Adults with French tax residence, subject to the bank’s onboarding checks.Source 2 |
| Opening payment | The first cash payment establishes the plan’s opening date. The current page’s €15 amount refers to programmed investing, not an expressly stated universal opening minimum.Source 2 |
| Personal ownership | The PEA is individually owned and cannot be held jointly or in indivision.Source 2 |
| Cash contributions | Contributions must be cash; existing outside securities cannot simply be contributed in kind.Source 2 |
At a glance03
PEA contribution limits
| Item | Details |
|---|---|
| Ordinary PEA | €150,000 maximum cash contributions; investment gains do not consume that contribution limit.Source 2 |
| PEA-PME combination | The combined PEA and PEA-PME cash-contribution ceiling is €225,000, while the PEA’s own €150,000 ceiling remains.Source 2 |
| Withdrawals | The plan’s age and statutory exceptions affect closure and tax treatment; a withdrawal is different from selling a holding while keeping the money in the plan.Source 2 |
| Tax-dependent adult | The product page states a €20,000 limit while attached to another taxpayer’s household; the ordinary ceiling becomes available after fiscal independence.Source 2 |
Products and markets
Sections ↑At a glance04
Securities and funds
| Item | Details |
|---|---|
| Exchange-traded products | Shares, bonds, subscription rights, warrants, turbos and other listed securities.Source 1 |
| Collective investments | Group and external funds; their own KID costs remain relevant.Source 1 |
| Structured debt | Group and external EMTNs are separately priced in the tariff.Source 1 |
| Unlisted securities | A digital process supports eligible unlisted purchases and sales; account-wrapper rules still apply.Source 1 |
At a glance05
Market coverage in the schedule
| Item | Details |
|---|---|
| Euronext pricing group | Paris, Brussels and Amsterdam.Source 1 |
| Other European venues | Germany, United Kingdom, Austria, Denmark, Spain, Finland, Greece, Ireland, Italy, Norway, Portugal, Sweden and Switzerland are listed.Source 1 |
| North America | Canada and the United States are included in the foreign-market group.Source 1 |
Trading and account costs
Sections ↑At a glance06
Securities convention: charged each half-year
| Item | Details |
|---|---|
| Individual holder | 0.125% of the relevant securities valuation; minimum €12.50, maximum €250.Source 1 |
| Legal person | 0.0625%; minimum €25, maximum €150.Source 1 |
| Valuation date | Holdings at the previous 30 June or 31 December.Source 1 |
| Included services | Custody and account maintenance are included; they are not added a second time.Source 1 |
At a glance07
Half-yearly fee examples for individuals
| Item | Details |
|---|---|
| €10,000 valuation | €12.50 for the half-year.Source 1 |
| €100,000 valuation | €125 for the half-year.Source 1 |
| €250,000 valuation | The €250 half-yearly ceiling applies.Source 1 |
| Annual interpretation | Two charge periods may occur in a year; the portfolio valuation can change between them.Source 1 |
At a glance08
Self-directed order channels
| Item | Details |
|---|---|
| Euronext online | 0.50% of the transaction value before any earned activity discount.Source 1 |
| Branch order | 0.80%; the €30 minimum applies to foreign CTO orders.Source 1 |
| Foreign online CTO | 0.50%, minimum €30.Source 1 |
| Advice / management | The tariff has separate advised and managed columns; those prices should not be substituted for self-directed branch dealing.Source 1 |
At a glance09
Fidélité Bourse: activity pricing
| Item | Details |
|---|---|
| Qualifying order count | The brochure specifies executed orders above €2,000 over a rolling 12-month period.Source 1 |
| From the 11th qualifying order | 0.35% Euronext online commission.Source 1 |
| From the 21st qualifying order | 0.25% Euronext online commission.Source 1 |
| Calendar basis | The window rolls; it is not a January–December reset or a calendar-quarter test.Source 1 |
At a glance10
Matched intraday discount
| Item | Details |
|---|---|
| Eligible pattern | Buy and sell the same security, in the same quantity, on the same day.Source 1 |
| Discounted leg | 50% reduction on the Euronext brokerage of the second order.Source 1 |
| What remains | The first order and any separate applicable taxes or costs are not made free.Source 1 |
At a glance11
Self-directed fund purchases
| Item | Details |
|---|---|
| Money-market funds | No bank transaction charge.Source 1 |
| Bond funds | 0.25% purchase transaction charge.Source 1 |
| Other funds | 0.50% purchase transaction charge.Source 1 |
| Automatic fund investing | 0.25% purchase charge for the programmed-investment service.Source 1 |
| Fund-level costs | Bank entry/exit fees are shown as free except fees retained by the fund; the fund’s own management and other KID costs continue.Source 1 |
At a glance12
EMTN and structured-product costs
| Item | Details |
|---|---|
| Group EMTN order | No bank transaction charge shown.Source 1 |
| External EMTN order | Ordinary securities-dealing charges apply; entry terms come from the product documents.Source 1 |
| Early exit | The KID and commercial brochure determine the early-exit treatment.Source 1 |
| Embedded costs | Structuring, distribution and other issuer costs can already be included in the issue price.Source 1 |
At a glance13
Administration charges
| Item | Details |
|---|---|
| Opening or closing | Free for CTO, PEA and PEA-PME under the securities tariff.Source 1 |
| Securities research / IFU reissue | €30.Source 1 |
| Unlisted integration or disposal | 1.20% of the value of the line, capped at €75 per line.Source 1 |
| VAT | The schedule includes VAT where the service is subject to it.Source 1 |
At a glance14
Costs beyond brokerage
| Item | Details |
|---|---|
| Foreign-market extras | Venue-specific expenses and local taxes may be added.Source 1 |
| Currency conversion | Foreign-currency orders settled in euros incur the bank’s prevailing conversion commission.Source 1 |
| Pre-trade disclosure | The cost quotation identifies the applicable expenses before placing the order.Source 1 |
| French transaction tax | The tariff lists 0.40% on qualifying purchases of large French-company shares; it is a tax collected for the authorities, not a bank commission.Source 1 |
At a glance15
Examples: online brokerage before other charges
| Item | Details |
|---|---|
| €1,000 Euronext order | €5 at the standard 0.50% rate.Source 1 |
| €5,000 Euronext order | €25 standard; €17.50 or €12.50 if the respective activity tier applies.Source 1 |
| €1,000 foreign CTO order | €30 because the minimum exceeds 0.50% of €1,000.Source 1 |
| €10,000 foreign CTO order | €50, before currency conversion, venue expenses and taxes.Source 1 |
Platforms, orders and execution
Sections ↑At a glance16
Access and account tools
| Item | Details |
|---|---|
| Web and app | Filbanque and the CIC mobile app.Source 1 |
| Portfolio workspace | Holdings valuations, order entry, tax information and corporate-action responses.Source 1 |
| Selected new issues | Participation in certain IPOs is supported; availability depends on the issue.Source 1 |
At a glance17
Prices, alerts and research
| Item | Details |
|---|---|
| Live quotes | Real-time prices for Euronext Paris, Brussels and Amsterdam.Source 1 |
| Price alerts | Push notifications, email and SMS price alerts are included free in the convention.Source 1 |
| Research workspace | News, security fact sheets, corporate-action calendar and a stock screener.Source 1 |
| Watchlist | A personal favourite-securities list is available.Source 1 |
At a glance18
Security confirmation in the app
| Item | Details |
|---|---|
| Confirmation Mobile | Enrol a compatible device through the bank’s application.Source 5 |
| Missing notification | An enrolled device can validate by opening the app manually; the push notification itself is optional.Source 5 |
| SMS login | The FAQ says SMS login codes are no longer available once Confirmation Mobile is activated.Source 5 |
Cash, currencies and transfers
Sections ↑At a glance19
PEA cash handling
| Item | Details |
|---|---|
| Contributing | Use cash payments into the plan, within the statutory contribution limits.Source 2 |
| Buying | Purchase eligible investments using the PEA’s cash component.Source 2 |
| Selling | Sale proceeds can remain in the plan for reinvestment; withdrawing them from the wrapper is a separate action.Source 2 |
At a glance20
Outbound securities transfer
| Item | Details |
|---|---|
| Listed securities | €15 per transferred line.Source 1 |
| Unlisted securities | €50 per transferred line.Source 1 |
| Account cap | €150 maximum per CTO, PEA or PEA-PME transferred outside Crédit Mutuel / CIC.Source 1 |
| Scope | This is the external securities-transfer charge, not a cash-withdrawal fee.Source 1 |
At a glance21
Foreign transactions and value dates
| Item | Details |
|---|---|
| Cash currency | The tariff’s FX charge applies when a foreign-currency trade is settled in euros.Source 1 |
| Bank value dates | The schedule shows trade date for Euronext and trade date plus two to five days for foreign operations, depending on country.Source 1 |
| Settlement interpretation | These are the bank’s stated value-date entries; they should not be treated as one universal exchange settlement cycle.Source 1 |
Legal entity and investor protection
Sections ↑At a glance22
CIC is a network of legal banks
| Item | Details |
|---|---|
| Central company | Crédit Industriel et Commercial SA is an ACPR-authorised bank according to its legal notice.Source 3 |
| Regional account providers | CIC Nord Ouest, CIC Ouest, CIC Est, CIC Lyonnaise de Banque and CIC Sud Ouest are separately named banks.Source 3 |
| Account-specific protection | Use the legal bank on the account agreement when assessing deposit aggregation and complaints.Source 3 |
At a glance23
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 7 |
| 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 7 |
| Investment losses | Neither limit reimburses ordinary market losses or guarantees the issuer of a share, bond or structured product.Source 7 |
At a glance24
Identify the banking counterparty
Support and complaints
Sections ↑At a glance25
Specialist securities assistance
| Item | Details |
|---|---|
| Telephone | 0825 954 460Source 4 |
| Call charge | €0.15 per minute plus the telephone-call cost.Source 4 |
| Hours | Monday–Friday 08:30–19:00; Saturday 08:30–18:00, French local time.Source 4 |
| Purpose | Help with the securities workspace, order entry and related questions. Confirm the order channel and tariff before giving an instruction.Source 4 |
At a glance26
Lost or replaced authentication device
| Item | Details |
|---|---|
| Replacement device | Install the official app, sign in and select replacement when enrolling Confirmation Mobile.Source 5 |
| Another enrolled device | Use the profile’s Confirmation Mobile settings to remove the obsolete device.Source 5 |
| No usable device | Contact the bank’s support service to request de-registration.Source 5 |
At a glance27
Complaints
| Item | Details |
|---|---|
| First contact | Contact the CIC branch or complaints service on 09 69 32 06 06; the official procedure provides online forms and the correct regional customer-relations address.Source 6 |
| Formal route | The general written complaint is acknowledged within ten working days unless answered sooner, with a response within two months of the first written complaint. Payment-service and data complaints have separate deadlines.Source 6 |
| Securities disputes | The AMF mediator handles eligible investment-service and financial-instrument disputes after disagreement with the response or the applicable waiting period. The stated filing limit is one year from the written complaint, before court proceedings.Source 6 |
Research, reporting and additional services
Sections ↑At a glance28
Included corporate-action administration
| Item | Details |
|---|---|
| Income | Coupon collection, share dividends and foreign coupon payments are included.Source 1 |
| Issuer events | Capital increases, bonus issues, mergers, splits and certain takeover/exchange offers are included.Source 1 |
| Exceptions | A takeover involving a market trade can still incur brokerage.Source 1 |
| Registration and tax | Registered-form administration and foreign-dividend tax-restitution processing are among the listed included services.Source 1 |
At a glance29
Cost and tax information
| Item | Details |
|---|---|
| Before dealing | A pre-trade cost quotation explains the applicable costs.Source 1 |
| Annual costs | The yearly costs statement includes disclosed retrocessions.Source 1 |
| Tax workspace | Online portfolio pages include tax information; a reissued IFU is a separately priced request.Source 1 |
| Retrocession disclosure | The bank may receive distribution payments from fund managers or issuers; these are disclosed rather than treated as an extra automatic client debit.Source 1 |
At a glance30
Scheduled PEA fund investing
| Item | Details |
|---|---|
| Starting amount | From €15 per month on eligible funds.Source 2 |
| Frequency | Fortnightly, monthly, quarterly or half-yearly schedules are advertised.Source 2 |
| Control | The customer can change the contribution or suspend or stop the schedule.Source 2 |
| Investment risk | Regular investing does not guarantee a better return than a single investment.Source 2 |
Company and account provider
Sections ↑At a glance31
Company identification
| Item | Details |
|---|---|
| Central legal bank | Crédit Industriel et Commercial SASource 3 |
| Registered office | 6 avenue de Provence, 75009 Paris.Source 3 |
| Company registration | RCS Paris 542 016 381.Source 3 |
| Contracting entity | The individual account agreement identifies the CIC bank responsible for the customer relationship.Source 3 |
- 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.
Crédit Industriel et Commercial SA
No separate licence entry is recorded in this panel.
Practical account considerations
Sections ↑At a glance32
What an inactive portfolio still costs
| Item | Details |
|---|---|
| No new trades | The securities convention is valued and billed each half-year; avoiding trades does not by itself remove that charge.Source 1 |
| Closing charge | Closing the securities account is free under the tariff, but disposing of or transferring holdings can incur the separately stated costs.Source 1 |
| Activity benefit | The brokerage discount is linked to qualifying execution count, not merely holding a large portfolio.Source 1 |
At a glance33
Separate instructions from account services
| Item | Details |
|---|---|
| Online voting | Voting is available for selected shareholder meetings, not every issuer.Source 1 |
| Unlisted transactions | Digital purchase/sale support does not make an unlisted security exchange-liquid.Source 1 |
| Portfolio advice | A tailored service or management mandate changes the responsibility and pricing; the standard self-directed commission should not be assumed to cover every mandate.Source 1 |
Sources & further reading
- CIC — retail securities and stock-exchange tariff, effective 1 January 2026 CIC · Accessed 29 Oct 2026
- CIC — PEA eligibility, opening and scheduled fund contributions CIC Bourse · Accessed 29 Oct 2026
- CIC — legal notices and the six CIC network banks CIC Bourse · Accessed 27 Oct 2026
- CIC — technical assistance and specialist CIC Bourse contact CIC Bourse · Accessed 27 Oct 2026
- CIC — Confirmation Mobile, replacement devices and access recovery CIC Bourse · Accessed 27 Oct 2026
- CIC — complaints, mediation and investment-dispute routes CIC Bourse · Accessed 29 Oct 2026
- FGDR — securities guarantee and cash associated with an investment account Fonds de Garantie des Dépôts et de Résolution · Accessed 27 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.