The choice of banking service provider is of the utmost importance for the day-to-day running of your company or association. A poorly chosen professional bank will be a source of costs and worries you don't need. As for traditional professional banks, CIC offers a single, customizable professional account. Anytime, on the other hand, has developed a 100% on-line offer that's simple, clear and customizable, with several packages that allow you to evolve.
The CIC pro account, services and rates
CIC offers professionals a single pro account agreement , the "Contrat Professionnel Global". This is a package of services that can be customized to suit your needs.
What does the CIC pro account offer include?
The Global Professional Contract consists of a common base to which you can add services according to your needs. This pro account base includes essential services and is only available for professionals and associations. (For companies, prices are higher):
- Account management
- Professional bank card
- Secure online access to view and manage your accounts
- Insurance for means of payment and keys to premises, as well as cash-in-transit insurance
- The main operating fees: account maintenance, transactions, overdraft, immobilization, etc.
Each service added is included in the overall cost of the monthly agreement. Services can be added or deleted at any time without penalty.
Compare the rates of a CIC pro account with the Anytime pro account.
The overall cost of your CIC pro account depends on the services you choose to include and your sales volume.
| FORMULA | Global contract | With Web formula |
| Basic pro account rate without options | From €13.10 excl. tax/month | 1.00 discount per month |
To find out the rates for à la carte services, please consult the CIC rate brochures. Subscribing to a service package allows you to benefit from preferential rates on all the services you add to the agreement.
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| Anytime | CIC | ||
| 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. | professionals and associations (not for companies) | |
| Monthly package | From €9.50 incl. VAT | From €15 to €47.52 incl. VAT | |
| Movement commission | No transaction fees | From 0.2% Minimum €13.50/month | |
| Mastercard bank card prices | 0/year 1 card included in offer | From €43.92/year | |
| Payment outside the euro zone | 0€ no fees applied | 0,30€ + 2,90% | |
| Virtual bank card prices | 50 included in offer | No | |
| Expense management module | included with Easy package | No | |
| Dynamic management of card limits | included in the offer | No | |
| Payment terminal | Offered with our partner | On quotation after a personalized study with a minimum of 16€/month | |
| Payment button | 0.25 € + 3.8% per transaction | VAD contract required | |
| Bank card type | Mastercard | Mastercard | |
| Remote banking package | 0/year | from €12.6 incl. tax/month | |
| Checkbook | No | Free | |
| Cheque cashing | No | Unlimited | |
| Credit or overdraft authorization | Conditionally with our partners | Yes | |
| Customer service | Customer service by e-mail and chat included. Advisor available by phone from the Easy package. | Appointments by appointment |
How do I open a business account with CIC?
CIC accounts can only be opened by appointment with an advisor. It is not possible to open a business account online. If you are already a customer, you can schedule an appointment with your advisor from your secure personal space. Otherwise, you can contact us via the website or by telephone. You can also ask to be called back by an advisor.
When you make your appointment to open a pro account, please bring at least the following documents with you:
- Proof of activity
- One or two proofs of identity
- Proof of registered office address
Don't hesitate to take all the documents concerning your business (creation, registration, forecasts...). This will help you avoid multiple appointments.
Anytime pro account services and rates
Designed for professionals of all kinds, the Anytime pro offer is an all-in-one package comprising a range of services. With a wide range of options, the financial institution's offer is totally customizable.
What's included in the Anytime pro package
The Anytime pro account Start package includes:
- Business current account
- A personal current account to better juggle your business and personal expenses
- 1 Mastercard
- 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
- 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 SmileandPay).
How do I open an Anytime pro account?
You can open an Anytime pro account entirely online, at any time. In just 5 to 10 minutes, after filling in the essential information and providing a photo of your ID, you'll be able to access your account and obtain a RIB. Within 48 hours your 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 more attractive rates and an offer totally tailored to professionals, Anytime is an excellent alternative. Easy to use, the dedicated application lets you carry out all your operations at your fingertips, in just a few minutes. An extremely simple way to manage your company's accounts from anywhere, at any time.
