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Your French Bank Statement Explained

 French Bank Statements

Your French bank statement pops into your post box, you open it and find a raft of words, expressions and abbreviations that you’ve never come across before.

Here is a list of common French bank words and French bank statement abbreviations that you are likely to find in your French bank statement or when dealing with banks in France:

Actions = Shares

Agios = Interest paid on loan or overdraft

Annuité  = Annually payment

Annulation: ANN -= Cancellation

Approvisionner  = Credit your account

Argent liquide = Cash

Avis d’opération = receipt slip

Bénéficiaire= Beneficiary

Carnet de chèques/Chéquier = Cheque book (Check book)

Caution = Guarantee

Chèque = Cheque

Chèque de banque = Bankers draft or cashiers check

Chèque sans provision = A ‘bounced’ cheque (you didn’t have sufficient money in the account to clear the cheque – action is needed – see here)

Code personnel/confidentiel = PIN number

Commission de Compte débiteur = Overdrawn account

Compte destinataire = Account receiving money

Compte joint = Joint account

Crédit = Credit

Crédit hypothécaire = Mortgage

DAB (Distributeur Automatique de Billets) = Cash Dispenser – ATM Machine

Date d’expiration = Expiry date

Date d’opération = Date transaction recorded

Date de Valeur =Date when amount debited or credited

Débit = Debit

Débit différé = Deferred credit on a card

Débit Immédiat = Credit card is immediately debited

Découvert = Overdraft

Déposer (de l’argent) = Credit an account

Dépôt = Deposit

Dépôt a vue: DAV = Current account

Devise = (Foreign) Currency

Echéancier = Details of bill or loan

Espèces = Cash

Frais = charge

Impôt =Tax

MISE = Set up Fee for Direct Debit

Monnaie = Currency

Opposition = Cancellation of payment

Placement = Investment

Prêt = Loan

Prélèvement automatique: PREL, PRLVT = Direct debit

Règlement: REG = Settlement

Relevé de compte : Bank statement

Rapatriement : Commission on receipt of an international currency

Relevé d’Identité Bancaire (RIB) = Bank identity details

Remboursement: REMBST, REMB = Redemption, repayment

Retraite: RET, RETR = Withdrawal of funds

Solde = Balance

Tableau d’amortissement = Monthly repayment schedule

Taux = Rate of interest

Taux de change = Exchange rate

Tax sur la Valeur Ajouté: TVA = VAT

TEG = Annual Percentage Rate (APR)

Titulaire = Account holder

Valable =Valid

Versement: VER, VERST, VRST = Cash Deposit

Virement: VIR, VIRT = Transfer

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