LCL pro or Anytime pro account: comparison of services and rates

The LCL business account is called LCL pro à la carte. As the name suggests, this is a tailor-made offer. You can choose from 6 options and change if the one you have chosen no longer suits you. So this is a pro account that stands out for its flexibility.

What's included in the LCL pro offer

The offer can then be customized by adding the products and services you need, with each added option entitling you to a 3% discount on your offer, cumulative up to 12%. The following products and services are included in the offer:

  • LCL Espace Pro, to view and manage your accounts online.
  • Simplicio Pro, to change your direct debit free of charge.
  • Visa Business, Visa Gold, Business and LCL Excellence bank cards.
  • LCL Access, for online account management.
  • LCL Avertis Pro is an SMS alert that informs you of pending transactions.
  • Prévoir is a quarterly report on your banking operations.
  • Assurance des Moyens de Paiement Professionnels is insured by Pacifica and covers distance purchases.
  • Multi-prévoyance Pro, which groups together 3 insurance offers underwritten by Predica, Pacifica, Juridica and Europ Assistance.

Comparative rates between a LCL pro account and the Anytime? pro account.

The LCL Professionnel à la carte offer starts at €14/month. But as with any tailor-made offer, the price depends on what you decide to include in your package. Opening, transferring and closing a pro account is free of charge. The Visa Business card costs €58/year, while the Visa Gold Business card costs €141/year and the LCL Excellence card costs €249/year.

  Anytime Crédit Lyonnais LCL Pro  
  Anytime pro account Crédit Lyonnais LCL Pro account  
Accepted legal forms SA, SAS, SASU, SARL, EURL, EI(RL), SCI, Professions, Associations and Auto-entrepreneur in natural and legal person. Find out more here. Micro-companies, SAS, SASU, SARL, EURL, SCI, liberal professions, associations  
Monthly package From €9.50 From €14  
Movement commission 0€ From 0.09% Minimum €12/month  
Bank card prices 1 card included in offer 58/year  
Virtual bank card prices 50 included in offer No  
Expense management module Optional No  
Dynamic management of card limits included in the offer No  
Payment terminal Free (with our partner) On quotation after a personalized study  
Payment button 0,25 € + 3,8% VAD contract required  
Bank card type Mastercard Visa  
Remote banking package 0/year From €234/year  
Checkbook No 1,27€  
Cheque cashing No Unlimited  
Credit or overdraft authorization Conditionally with our partners Yes  
Customer service Customer service by e-mail included. Advisor available by phone from the Easy package. Appointments by appointment  

The LCL professional offer includes almost 38 pages of detailed charges. At Anytime, it's simple: the pro account fee schedule is just one page long.

How do I open an LCL business account?

To open an LCL pro account, you'll first need to make an appointment with a pro advisor at your nearest branch. You'll need to bring the following documents with you:

o Physical person :

  • Proof of identity
  • Kbis and/or Extract from the Trade Register or other INSEE document less than 3 months old
  • Powers of attorney completed, dated and signed
  • Commercial lease, if applicable

o Legal entity :

  • Kbis less than 3 months old listing the legal representative
  • Copy of Articles of Association certified as true by the Legal Representative
  • Minutes of the Annual General Meeting appointing the legal representative if not included in the Articles of Association or Kbis extract
  • Powers of attorney completed, dated and signed
  • Proof of identity of Legal Representative(s) and Agent(s)
  • Commercial lease, if applicable

As with all traditional banks, your account will not be created immediately. You'll have to wait until you receive your RIB before you can collect your means of payment and start using your account.

How much can I save with an Anytime pro account?

Anytime offers two no-obligation annual or monthly payment plans:

Discount compared to LCL Pro account -80% off -61% discount
Anytime pro account offer Start pro account offer
From €9.5 excl. VAT/month or €114/year (without dedicated advisor)
Easy pro account offer
From €19.5/month or €234/year (with dedicated advisor)

Additional options, such as payment methods, are invoiced at preferential rates, which you can find on the Anytime rates page.

Aimed at all professionals, the Anytime pro account is an all-in-one package. With a wide range of options, the neobank pro offer can be fully customized.

Anytime pro account services

What does the Anytime pro offer include?

The Anytime pro account Start package includes:

  • Professional account
  • A personal account to better juggle your business and personal expenses
  • 1 Mastercard (multiple Mastercards can be ordered)
  • 50 virtual Mastercards to pay online or remotely
  • A comprehensive management application that lets you carry out all your day-to-day transactions over the Internet or by phone (European and international transfers, transaction listing, card blocking, 24-hour card PIN access, etc.).
  • Free transfers and direct debits in euros
  • A free Mastercard to help you manage your expenses efficiently and avoid mixing your personal and business expenses.
  • Real-time sales and alerts
  • A package of services that enables you to benefit from the many services offered by Anytime or its partners (expense management, payment terminal, cash management, etc.).

What's more, this online pro account lets you easily set up payment methods such as a payment link by email or SMS, a payment button for a website, or even order a payment terminal to collect from customers (supplied by Smile&Pay).

How do I open an Anytime pro account?

You canopen an Anytime pro account entirely online, at any time. In just 10 minutes, after filling in the essential information and providing a photo of your ID, you'll be able to access your pro account and obtain your RIB. Within 48 hours your pro account will be activated (provided you have supplied all the requested documents listed below).

To meet legal requirements, the opening of a business account with a RIB FR (for direct debits and bank transfers) is subject to the need to provide :

  • A copy of a valid identity document
  • Proof of address less than 3 months old in your name
  • The first transfer to your Anytime account must be made from a European bank account in your name.

To send these documents, all you need is a photo taken with your smartphone, which saves precious time during the subscription process.

With much clearer rates and a comprehensive offering, Anytime is an excellent alternative. Easy to use, the dedicated application lets you carry out all your transactions at your fingertips, in just a few minutes. An extremely simple way to manage your business accounts

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