The securities convention bundles custody, account maintenance and several administration services into a charge billed each half-year. Trading adds a separate commission. The most useful comparison is therefore the recurring convention cost plus the prices for the markets and channels actually used; the CMCEE schedule does not cover every Crédit Mutuel network.[1]
Accounts and eligibility
Sections ↑At a glance01
Ordinary securities account
| Item | Details |
|---|---|
| Eligible holders | Individuals and legal persons; multiple CTOs are possible.Source 2 |
| Linked cash | Every CTO is associated with a cash account for payments and receipts.Source 2 |
| Contributions and term | No general minimum contribution, contribution ceiling or fixed duration is advertised.Source 2 |
At a glance02
Ownership choices
| Item | Details |
|---|---|
| Individual | One account holder.Source 2 |
| Joint | Each holder can operate with their own signature; holders remain jointly liable.Source 2 |
| Indivision | All holders’ agreement is required for operations, subject to the account arrangements.Source 2 |
| Protected holders | A minor’s or protected adult’s legal representative opens and administers the appropriate account.Source 2 |
At a glance03
Service perimeter
| Item | Details |
|---|---|
| CMCEE scope | The published tariff applies to Crédit Mutuel Alliance Fédérale federations and participating caisses.Source 1Source 4 |
| Account wrappers | CTO, PEA and PEA-PME are covered by the securities convention.Source 1Source 4 |
| Customer agreement | The actual caisse, selected management service and signed agreement determine the applicable offer.Source 1Source 4 |
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 €6, maximum €75.Source 1 |
| Legal person | 0.0625%; minimum €25, maximum €75.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
Cooperative-share treatment
| Item | Details |
|---|---|
| Valuation exclusion | Crédit Mutuel cooperative shares are excluded from the convention-fee base.Source 1 |
| Only cooperative shares held | The convention is free for a holder whose account contains only their caisse’s cooperative shares.Source 1 |
| Share transactions | Subscription and redemption of the caisse’s B shares carry no transaction fee under this schedule.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 | The bank’s web-banking service and Crédit Mutuel 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
Entering an order in Web Bourse
| Item | Details |
|---|---|
| Find the instrument | Search by name or ISIN and select buy or sell.Source 3 |
| Set the instruction | Choose the quantity, price conditions and validity supported by the instrument.Source 3 |
| Mobile route | Open the securities account in the app and select the order action.Source 3 |
| Execution status | Use the order workspace to follow the transaction; an entered instruction is not a guaranteed execution.Source 3 |
Cash, currencies and transfers
Sections ↑At a glance19
CTO cash movements
| Item | Details |
|---|---|
| Funding | Contribute to the cash account linked to the securities account.Source 2 |
| Withdrawals | The CTO has no fixed lock-in period; cash movements and securities liquidation are separate steps.Source 2 |
| Closing | The product page gives sale of the investments or transfer to another institution as the routes to dispose of the holdings before closure.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
Caisse Fédérale and the local caisse
| Item | Details |
|---|---|
| Central institution | Caisse Fédérale de Crédit Mutuel is the institution named in the legal notice.Source 4Source 1 |
| Permissions disclosed | The notice describes ACPR approval for investment services and authorisation for securities custody.Source 4Source 1 |
| Local relationship | Availability and customer terms depend on the participating caisse; the CMCEE rate is not an Arkéa-wide tariff.Source 4Source 1 |
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
| Item | Details |
|---|---|
| Contracting Crédit Mutuel caisse / bank | The account agreement identifies the provider to which the protection rules attach.Source 4Source 7 |
| Aggregation | Separate accounts or pricing plans with the same legal bank do not create a fresh limit for each account.Source 4Source 7 |
Support and complaints
Sections ↑At a glance25
Specialist securities assistance
| Item | Details |
|---|---|
| Telephone | 0825 954 470Source 3 |
| Call charge | €0.15 per minute plus the telephone-call cost.Source 3 |
| Hours | Monday–Friday 08:30–19:00; Saturday 08:30–18:00, French local time.Source 3 |
| Purpose | Help with the securities workspace, order entry and related questions. Confirm the order channel and tariff before giving an instruction.Source 3 |
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 caisse or the complaints service on 09 69 36 05 05; use the online form or write to Service Relation Clientèle, Crédit Mutuel Centre Est Europe, 4 rue Frédéric-Guillaume Raiffeisen, 67000 Strasbourg.Source 6 |
| Formal route | For the general written complaint, acknowledgement is due within ten working days unless answered sooner, and a response within two months of the first written complaint. Payment and data complaints have separate deadlines.Source 6 |
| Securities disputes | The published route is the AMF mediator for investment-service and financial-instrument disputes, after disagreement with the response or the relevant waiting period. Submit within one year of the written complaint and before commencing 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
Alternative management services
| Item | Details |
|---|---|
| Self-directed | The customer chooses investments; the bank also provides an annual adviser meeting under the convention.Source 2Source 1 |
| Gestion Pilotée Titres | A delegated fund portfolio is advertised from €2,000.Source 2Source 1 |
| Advised / discretionary services | The CTO page advertises advised and discretionary management from €100,000; each has separate service terms.Source 2Source 1 |
Company and account provider
Sections ↑At a glance31
Company identification
| Item | Details |
|---|---|
| Federation institution | Caisse Fédérale de Crédit MutuelSource 4 |
| Registered office | 4 rue Frédéric-Guillaume Raiffeisen, Strasbourg.Source 4 |
| Company registration | RCS Strasbourg 588 505 354.Source 4 |
| Contracting entity | The individual account agreement identifies the bank or caisse responsible for the customer relationship.Source 4 |
- 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 Fédérale de Crédit Mutuel
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
- Crédit Mutuel — retail securities and stock-exchange tariff, effective 1 January 2026 Crédit Mutuel · Accessed 29 Oct 2026
- Crédit Mutuel — ordinary securities account, ownership and management choices Crédit Mutuel CMCEE Bourse · Accessed 27 Oct 2026
- Crédit Mutuel — Web Bourse access, order entry and specialist assistance Crédit Mutuel CMCEE Bourse · Accessed 29 Oct 2026
- Crédit Mutuel — legal notices, Caisse Fédérale and investment-service permissions Crédit Mutuel CMCEE Bourse · Accessed 27 Oct 2026
- Crédit Mutuel — Confirmation Mobile and replacement-device guidance Crédit Mutuel CMCEE Bourse · Accessed 27 Oct 2026
- Crédit Mutuel — complaints and mediation procedure Crédit Mutuel CMCEE 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.