SG’s French retail securities service offers an ordinary securities account and PEA, with self-directed and managed options. Brokerage, custody and subscription prices differ by wrapper and service: the PEA’s online fee cap does not make every ordinary-account transaction free of a minimum.[1][2][3]
Accounts and eligibility
Sections ↑Account comparison01
PEA eligibility and opening
Account comparison02
Dependent young-adult PEA
Account comparison03
Management choices
Products and market access
Sections ↑Specifications04
PEA versus ordinary custody
| Item | Details |
|---|---|
| PEA | Restricted eligible shares and qualifying funds.Source 1Source 2 |
| Ordinary securities account | Broader securities access with its own fee and tax treatment.Source 1Source 2 |
| Foreign shares | A foreign market’s appearance in the tariff does not make every security PEA-eligible.Source 1Source 2 |
Trading and holding costs
Sections ↑Pricing & charges05
Online Euronext brokerage bands
Pricing & charges06
Ordinary-account dealing minima
| Item | Details |
|---|---|
| Euronext online | €6 minimum.Source 2 |
| United States online | €16 minimum under the 0.50% foreign schedule.Source 2 |
| Other foreign online | €40 minimum under the stated schedule.Source 2 |
| PEA difference | Do not apply these ordinary-account minima in a way that breaches the PEA cap.Source 2 |
Pricing & charges07
PEA electronic dealing cap
| Item | Details |
|---|---|
| Online cap | 0.50% for the transactions covered by the statutory rule.Source 1Source 2 |
| Foreign eligible securities | The page shows a 0.50% online charge for eligible foreign trading.Source 1Source 2 |
| Remaining costs | Underlying product charges and applicable tax remain distinct.Source 1Source 2 |
Pricing & charges08
Annual flat custody component
Pricing & charges09
Asset-based custody bands
Pricing & charges10
Custody caps and collection
| Item | Details |
|---|---|
| PEA proportional/flat cap | The relevant flat and proportional components are capped at 0.40%, with the permitted line charges separate.Source 1Source 2 |
| Ordinary-account minimum | €25 in the linked brochure.Source 1Source 2 |
| Valuation/collection | Prior 31 December value, collected at the start of the year under the brochure.Source 1Source 2 |
Pricing & charges11
Young-customer custody provision
| Item | Details |
|---|---|
| Age group | The brochure gives an 18–29 custody-fee exemption.Source 2 |
| Scope | Apply the stated account and customer conditions.Source 2 |
| Version qualification | This ancillary provision comes from the currently linked April 2025 brochure; core PEA prices are also corroborated on the live product page.Source 2 |
Pricing & charges12
Service Bourse subscription
Pricing & charges13
Outgoing custody transfers
Platforms, orders and execution
Sections ↑Process14
Retail dealing channels
Process15
Service Bourse dealing support
Funding, settlement and transfers
Sections ↑Process16
PEA contribution accounting
| Item | Details |
|---|---|
| Cash paid in | Counts towards the applicable contribution ceiling.Source 1 |
| Investment appreciation | Does not consume extra contribution capacity merely because prices rise.Source 1 |
| Withdrawal consequences | Depend on the PEA’s age and applicable tax rules, not just the bank-transfer mechanics.Source 1 |
Process17
Transferring an existing plan
| Item | Details |
|---|---|
| Whole-plan move | Use the PEA transfer process rather than assuming a cash withdrawal preserves the wrapper.Source 2 |
| Cost measure | Number of lines matters until the €150 fee ceiling is reached.Source 2 |
| Ordinary-account difference | The CTO transfer schedule varies by securities market.Source 2 |
Custody and client protection
Sections ↑Protections & eligibility18
Securities custody and compensation
| Item | Details |
|---|---|
| Owned securities | The client remains the owner; ordinary custody assets should be returned independently of the bank’s insolvency estate.Source 2Source 4 |
| Non-return protection | The French securities guarantee can cover eligible missing securities up to €70,000 per client and institution when the institution is unable to return or reimburse them.Source 2Source 4 |
| Market losses | Falling share prices, issuer losses and poor investment decisions are outside this guarantee.Source 2Source 4 |
Protections & eligibility19
Cash at the bank and aggregation
| Item | Details |
|---|---|
| Associated bank cash | Eligible cash is included in the bank deposit guarantee, up to €100,000 per depositor and institution in the ordinary case.Source 4Source 2 |
| Several accounts | CTO, PEA and other accounts at the same legal bank do not create separate institution limits.Source 4Source 2 |
| Nature of protection | These are conditional statutory schemes, not a private insurance promise covering portfolio performance.Source 4Source 2 |
Support, complaints and records
Sections ↑Process20
Tariff-document hierarchy
| Item | Details |
|---|---|
| Current PEA page | Corroborates the main PEA pricing and eligibility used here.Source 1Source 2 |
| Linked full brochure | Dated 1 April 2025; its date is retained rather than relabelled 2026.Source 1Source 2 |
| Account-specific quote | A newer individual contractual tariff takes precedence over a generic linked document.Source 1Source 2 |
Process21
Registration and records
Research and additional services
Sections ↑Availability22
Service Bourse research
Availability23
Managed options and authority
| Item | Details |
|---|---|
| Alliage/delegated service | A separate management agreement sets investment authority.Source 1Source 3 |
| Research subscription | Does not automatically confer that authority.Source 1Source 3 |
| Cancellation consequence | Closing a research subscription should not be described as automatically liquidating a managed portfolio.Source 1Source 3 |
Company and service history
Sections ↑Regional comparison24
Brand and legal provider
- 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.
Société Générale SA — SG French retail network
FranceSource 2
No separate licence entry is recorded in this panel.
Cost illustrations and practical implications
Sections ↑Scenarios25
Calculated Euronext brokerage
Scenarios26
Subscription cost comparison
| Item | Details |
|---|---|
| Annual Service Bourse fee | 12 × €14.50 = €174.Source 3 |
| Simple fee break-even | €580 of fully discount-eligible charges × 30% = €174.Source 3 |
| Limit | Illustration assumes a full year and charges all eligible for the discount; it excludes the non-financial value of research.Source 3 |
Sources & further reading
- Official SG French PEA product, fees, withholding and account restrictions SG · Accessed 27 Oct 2026
- SG: currently linked retail tariff brochure, effective 1 April 2025 Société Générale France — PEA and Securities · Accessed 27 Oct 2026
- SG: Service Bourse price, discounts and research scope Société Générale France — PEA and Securities · Accessed 27 Oct 2026
- FGDR: securities guarantee, ownership, non-return conditions and related cash 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.