Who this guide is for

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You if you have just opened an account in France and need an RIB for your employer/CAF/leaser
You if you request a bank certificate for a visa, naturalization or credit
You if you don't understand the difference between RIB, IBAN and attestation

To be prepared in advance

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1RIB: Download it in the bank's app (usually "RIB" → "Download" or "Print") or get it in an agency for free. Most banks provide unlimited copies. The RIB is valid as long as the account is open.
2IBAN (27 characters in France): FR + 2 control digits + 5 bank/window code + 11 digit account number + 2 key digits. BIC 8–11 characters (e.g. BNPAFRPP).
3For each use (salary, CAF, taxes, energy), send your RIB (one copy can serve multiple recipients). No personal information except name and contact details — it's safe.
4RIB certificate or account certificate: extended document with additional data (address, opening date, sometimes balance). Issued in an agency with signature/cachet; a PDF version sometimes exists in the app.
5Bank certificate for visa/naturalization: pro-forma document with your identity and account details. Often requested with bank stamp; banks charge 5–30 € (check your agreement).
6Transfer rationale: If you receive a large amount of money (purchase, estate), the CAF or the bank can request an original document — a statement with explanation. Keep the deed of sale or notarized certificate.
7In case of bank change: use bank mobility (free, article D312-5 CMF) — the new bank automatically transmits your new RIB to the employer, to the energy suppliers, to the CAF, to the taxes.
8Closing of account: the bank must issue a closing certificate with the date; keep it for taxes/ CAF during 6 – 12 months.

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Send a screenshot instead of a real RIB — often refused, you need a PDF or stamped paper.
Believe that the RIB contains confidential data — no balance on it; it is safe.
Request an RIB certificate online without a stamp — for some administrative procedures, the paper version is required.
Do not activate bank mobility when changing banks — waste of time updating the coordinates manually.
Transmit an obsolete RIB after a bank change — the transfer doesn't happen, the return takes 1–4 weeks.

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Show sources in this section

Banking services are governed by the Monetary and Financial Code. Indicative information; details in your account agreement.

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