LCL Bourse Expert adds a specialist dealing workspace, research and SRD access to an LCL securities relationship. Its July 2026 amendment materially changes the price comparison with ordinary LCL Bourse. The percentage brackets below apply to the whole order within the published band; they are not cumulative slices.[3][2]
Accounts and eligibility
Sections ↑At a glance01
Required relationship
| Item | Details |
|---|---|
| Provider | Crédit Lyonnais SA, trading as LCL.Source 1Source 3 |
| Accounts | Expert can be attached to a CTO, PEA or PEA-PME securities relationship.Source 1Source 3 |
| Activation | The current article directs customers to their adviser, LCL.fr personal area, LCL Mes Comptes or LCL Bourse.Source 1Source 3 |
| Per-portfolio activation | The October product article says Expert can be enabled on one or all eligible portfolios within the LCL Bourse space.Source 3 |
At a glance02
Standard versus Expert
| Item | Details |
|---|---|
| Ordinary LCL Bourse | Separate brokerage schedule; confirm current custody conditions when comparing it with Expert.Source 1Source 2Source 3 |
| Bourse Expert | Enhanced research, order tools and the Expert fee schedule.Source 1Source 2Source 3 |
| Account wrapper | CTO and PEA prices are shown separately; PEA restrictions still apply to the instruments and cash movements.Source 1Source 2Source 3 |
At a glance03
Monthly service price
| Item | Details |
|---|---|
| Normal charge | €7.50 per month.Source 1Source 3 |
| Current article | The 19 October 2026 article says the charge is waived from two executed orders per month.Source 1Source 3 |
| Contractual wording to clarify | The January brochure says “more than two” for the waiver and “fewer than two” for the charge, leaving exactly two unspecified. Confirm that boundary in the subscription terms.Source 1Source 3 |
Products and markets
Sections ↑At a glance04
Investment range
| Item | Details |
|---|---|
| French and foreign securities | Shares and other eligible listed securities on domestic and overseas exchanges.Source 1Source 3 |
| Funds | LCL-group and external funds, with separate subscription pricing and fund costs.Source 1Source 3 |
| PEA / PEA-PME | Only investments eligible for the selected wrapper.Source 1Source 3 |
| SRD | Expert includes access to deferred-settlement trading under the separate eligibility, cover and financing terms.Source 1Source 3 |
| SRD terms | Obtain the specific financing, collateral and rollover schedule before using deferred settlement; the public price summaries reviewed here do not quote it.Source 3 |
At a glance05
Research within the offer
| Item | Details |
|---|---|
| Market and fund analysis | Morningstar and Kepler information is described in the current offer.Source 3 |
| Portfolio analysis | Sector and geographic analysis, alerts and watchlists.Source 3 |
| Decision responsibility | Research tools and technical support assist the investor; they do not by themselves create a discretionary management mandate.Source 3 |
Trading and account costs
Sections ↑At a glance06
Expert: French online orders
| Item | Details |
|---|---|
| Up to €750 | 0.50% of the whole order.Source 2Source 3 |
| Published €751–€7,000 band | 0.35% of the whole order.Source 2Source 3 |
| Above €7,000 | 0.12% of the whole order.Source 2Source 3 |
| Minimum | The current Expert article states no minimum charge per French online order.Source 2Source 3 |
The bank publishes the middle band as €751–€7,000. Its documents do not explicitly allocate amounts between €750 and €751; the order preview should resolve that narrow boundary before confirmation.[2][3]
At a glance07
Foreign CTO online orders
At a glance08
Telephone dealing on a CTO
| Item | Details |
|---|---|
| French exchange | 1.20% plus €8 fixed fee.Source 2 |
| Foreign exchange | 1.20% plus a regional fixed fee.Source 2 |
| Foreign fixed fees | United States €35; other Europe/Canada €40; Asia-Pacific €70; rest of world €150.Source 2 |
| Outside costs | The CTO commission table excludes applicable market costs.Source 2 |
At a glance09
PEA and PEA-PME dealing
| Item | Details |
|---|---|
| French online | Same Expert size bands as the French online CTO schedule.Source 2Source 1 |
| Foreign online | 0.50%; the CTO regional minimums are not imported into this PEA table.Source 2Source 1 |
| Telephone | 1.20% up to €50,000; 0.95% above €50,000.Source 2Source 1 |
| Cost basis | The PEA tariff has its own treatment of included market charges and eligible instruments.Source 2Source 1 |
At a glance10
Expert recurring account charges
| Item | Details |
|---|---|
| Custody | Free for the Expert securities relationship.Source 1Source 3 |
| Securities account maintenance | Free under Expert.Source 1Source 3 |
| Monthly subscription | The separate €7.50 service charge and its activity waiver remain relevant.Source 1Source 3 |
| Ordinary LCL Bourse | The January brochure lists separate ordinary-account charges, while the October article uses broader free-custody wording. This profile’s zero-custody statement concerns Expert; obtain the current ordinary-plan quote for a comparison.Source 1Source 3 |
At a glance11
Fund subscriptions on a CTO
| Item | Details |
|---|---|
| LCL funds | No bank subscription commission shown, before fund-level charges.Source 1 |
| External French funds | €21 per executed subscription.Source 1 |
| External foreign funds | €50 per executed subscription.Source 1 |
| Product costs | The fund’s own entry, ongoing and other costs must be considered separately.Source 1 |
At a glance12
External funds and unlisted holdings in a PEA
| Item | Details |
|---|---|
| External funds online | 0.50% under the published PEA schedule.Source 1 |
| External funds by phone | 1.20% where no entry fee is collected or retained by the fund, subject to the tariff conditions.Source 1 |
| Unlisted purchase / sale | 1.20%, capped at €500.Source 1 |
| Other unlisted corporate actions | 1.20%, capped at €120.Source 1 |
At a glance13
Additional administration
At a glance14
French online examples: bank brokerage
| Item | Details |
|---|---|
| €500 Expert order | €2.50.Source 2 |
| €5,000 Expert order | €17.50.Source 2 |
| €10,000 Expert order | €12.Source 2 |
| Interpretation | The whole-order band can make a larger order’s commission lower at a band transition; taxes and other applicable costs are separate.Source 2 |
Platforms, orders and execution
Sections ↑At a glance15
Order entry
At a glance16
Available order controls
| Item | Details |
|---|---|
| Order types shown | Limit, market, stop-limit range and stop trigger.Source 4 |
| Pending orders | The portfolio’s “Mes ordres” area shows orders as cards or a table.Source 4 |
| Changing an order | Request cancellation and then submit a replacement; the guide does not describe direct amendment of a live order.Source 4 |
| Cancellation status | Follow the cancellation request in the order workspace before relying on the order having stopped.Source 4 |
At a glance17
Trading password
Cash, currencies and transfers
Sections ↑At a glance18
Funding the investment cash account
| Item | Details |
|---|---|
| Before buying | The associated cash account must be funded.Source 4 |
| Platform route | Portfolio → transfers → make a payment; enter the amount and optional label.Source 4 |
| Guide scope | The embedded funding function is documented for PEAs with LCL Bourse or Expert and CTOs with Expert.Source 4 |
At a glance19
Outbound CTO transfer
At a glance20
Outbound PEA / PEA-PME transfer
Legal entity and investor protection
Sections ↑At a glance21
Provider and supervision
| Item | Details |
|---|---|
| Legal bank | Crédit Lyonnais SA.Source 1 |
| Bank identifier | The tariff identifies banking approval number 30002.Source 1 |
| Oversight | The bank’s legal information names ECB/ACPR supervision and AMF investment-services oversight.Source 1 |
| Brand | Bourse Expert is a service of the bank, rather than a separately licensed broker.Source 1 |
At a glance22
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 6 |
| 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 6 |
| Investment losses | Neither limit reimburses ordinary market losses or guarantees the issuer of a share, bond or structured product.Source 6 |
At a glance23
Identify the banking counterparty
Support and complaints
Sections ↑At a glance24
Dealing and technical help
| Item | Details |
|---|---|
| Expert desk | 09 69 36 27 12, Monday–Friday 09:00–17:30, French local time.Source 1Source 3 |
| Ordinary Bourse desk | 09 69 36 77 00, Monday–Friday 09:00–17:30 and Saturday 09:00–15:00.Source 1Source 3 |
| Technical assistance | The Expert article describes CA Titres technical assistance; it does not turn every support interaction into personalised investment advice.Source 1Source 3 |
At a glance25
If an instruction needs checking
| Item | Details |
|---|---|
| Order record | Use the order detail and status in “Mes ordres”.Source 4Source 2 |
| Replacement risk | The documented route is cancel then replace, so check the cancellation outcome first.Source 4Source 2 |
| Telephone route | A telephone instruction is priced under the telephone schedule unless the bank agrees otherwise.Source 4Source 2 |
At a glance26
General assistance
| Item | Details |
|---|---|
| LCL customer service | 09 69 36 30 30.Source 1Source 3 |
| Published hours | Monday–Friday 08:00–19:00; Saturday 08:00–17:30.Source 1Source 3 |
| Account-specific matter | The adviser remains the contact for activating Expert and resolving the precise subscription conditions.Source 1Source 3 |
Research, reporting and additional services
Sections ↑At a glance27
History and statements
| Item | Details |
|---|---|
| Order history | Executed, cancelled, rejected and other orders can be filtered by period or security.Source 4Source 1 |
| Annual charges statement | Free under the tariff.Source 4Source 1 |
| Tax and records | Older-than-two-year searches are separately priced; an on-screen investment history is not a completed personal tax return.Source 4Source 1 |
At a glance28
Corporate actions and voting
| Item | Details |
|---|---|
| Issuer events | The guide documents responses to corporate-action notices.Source 4Source 5 |
| New issues | The service supports IPOs and privatisations offered through the bank.Source 4Source 5 |
| Shareholder meetings | Online voting is one of the listed workspace features.Source 4Source 5 |
At a glance29
Practice and personalisation
Company and account provider
Sections ↑At a glance30
Corporate identity
- 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 Lyonnais SA
FranceSource 1
No separate licence entry is recorded in this panel.
Practical account considerations
Sections ↑At a glance31
Compare the full account cost
| Item | Details |
|---|---|
| Occasional investor | The monthly Expert subscription can outweigh a small per-order saving if the activity waiver is not met.Source 1Source 2 |
| Foreign small ticket | The regional CTO minimum can dominate the 0.50% percentage.Source 1Source 2 |
| Frequent French trading | Use the correct whole-order band and include taxes, while keeping Expert’s free custody distinct from the standard service.Source 1Source 2 |
Sources & further reading
- LCL — personal banking tariff effective 1 January 2026 Crédit Lyonnais / LCL · Accessed 29 Oct 2026
- LCL — tariff amendment effective 1 July 2026 Crédit Lyonnais / LCL · Accessed 29 Oct 2026
- LCL — Bourse Expert update published 19 October 2026 LCL Bourse Expert · Accessed 29 Oct 2026
- LCL — customer guide to the new Bourse workspace Crédit Lyonnais / LCL · Accessed 27 Oct 2026
- LCL — new Bourse workspace and shareholder tools LCL Bourse Expert · Accessed 27 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.