Banking ban (Interdit Bancaire)
Being listed does not stop you from submitting an application
You can submit a credit application on this site even if you are subject to a banking ban. Our applications are reviewed from €5,000, at a fixed annual rate of 3.90%. Your file is examined like any other: income, outgoings, disposable income and the origin of the registration.
Let us be clear about what that means, and about what it does not mean. Submitting an application and having it reviewed is a right; obtaining approval is not. Lenders are under a legal obligation to consult the FICP and FCC registers of the Banque de France before granting any credit, and an active registration remains a frequent ground for refusal. We therefore cannot promise you any approval: any advertising announcing « credit assured even if listed », a « solution for everyone » or « approval with no refusal » is misleading and amounts to a deceptive commercial practice penalised by article L.121-2 of the French Code de la consommation.
This page therefore explains both things: how to submit your application, and what your situation actually involves — how long the registration lasts, how to have it lifted, and what other options exist: debt consolidation before the incident, supported personal microcredit, or referral to the over-indebtedness commission.
Our commitment is one of frankness: we review your file and, if we consider it has no chance of succeeding, we say so rather than leaving you hoping. If your situation can be put right, we tell you where to start.
- You can submit an application even if listed: it will be reviewed, with no guarantee of approval
- Applications reviewed from €5,000, at a fixed annual rate of 3.90%
- FCC: banking ban relating to cheques or cards — 5 years maximum
- FICP: credit repayment incidents or over-indebtedness — up to 7 years
- Consulting these registers is compulsory for every lender
- No fee whatsoever may be demanded from you before the funds are released (art. L.322-2)
Key features
Banking ban (FCC)
This is a registration on the central cheque register, generally after a bounced cheque that has not been made good. It removes your ability to issue cheques. It lasts 5 years, but is lifted immediately once the matter is put right.
Listed on the FICP
The register of repayment incidents on personal credit records qualified arrears (5 years) and over-indebtedness cases (up to 7 years depending on the plan). It is this register that most directly blocks access to credit.
The rights you keep
Being listed does not deprive you of a bank account. The right to an account allows the Banque de France to designate an institution for you, with basic banking services free of charge.
Checking your situation
You can check your registration on the FICP and FCC free of charge with the Banque de France, at a branch on presentation of identification or through its online service. That is always the first thing to do.
How it works
Check what is actually registered
Many people wrongly believe they are listed, or do not realise their registration has already expired. Request the statement from the Banque de France: it is free and it clarifies everything else.
Put right what can be put right
For the FCC, funding the account and settling the bounced cheque leads to swift removal. For the FICP, clearing the arrears leads the lender to request the lifting: it is obliged to do so once the debt is settled.
Examine the available options
Depending on the case: direct renegotiation with your creditors, supported personal microcredit through a social support network, or emergency assistance from the CCAS social welfare centre. None of these routes is a conventional credit — and that is precisely the point.
If the debts exceed your means
Refer the matter to the over-indebtedness commission of the Banque de France. Filing is free, suspends enforcement action if the case is admissible, and may lead to rescheduling, a freeze on interest or a partial write-off.
What we can, and cannot, do for you
- We can: review a debt consolidation before incidents arise — that is when it is most effective
- We can: direct you towards supported microcredit or the over-indebtedness commission according to your actual situation
- We can: explain precisely the procedure for lifting a registration once matters are put right
- We can: receive and review your application from €5,000, whether you are listed or not
- We cannot: guarantee you approval while an FICP registration is active. Anyone who tells you otherwise is lying to you
Frequently asked questions
Yes: you can submit your application on this site and it will be reviewed, from €5,000. However, no approval can be guaranteed to you: consulting the FICP is compulsory before any credit is granted and an active registration frequently leads to refusal. We will tell you frankly what we consider possible in your situation.
A banking ban concerns the FCC and penalises a payment incident, typically a bounced cheque: you can no longer issue cheques. Over-indebtedness comes under the FICP and reflects a lasting inability to meet all your debts. The two registers, the two procedures and the two durations are distinct.
FCC: 5 years maximum, with immediate removal if the matter is put right. FICP: 5 years for a repayment incident, up to 7 years under an over-indebtedness plan. Repaying in full allows early lifting to be obtained.
Settle the arrears, then ask the reporting institution in writing to refer the matter to the Banque de France for removal. The institution is required to do so once the matter is effectively put right. Keep all proof of payment.
No, it is unlawful. Article L.322-2 of the French Code de la consommation prohibits collecting any sum whatsoever before the funds are actually released. Any request for « arrangement fees », a « deposit » or « insurance » to be paid in advance is a scam: send nothing and report it.
Be extremely cautious. Lending money on a regular basis is a regulated activity. Advertisements from a « serious private lender » targeting people who are listed are, in almost every case, advance-fee scams. A legitimate lender is registered and never asks you for money before paying any to you.
Submit your application or take stock
You can submit your application right now: it will be reviewed from €5,000, without any approval being promised in advance. And if you are not yet listed but your monthly payments are becoming hard to meet, now is when a solution exists. Our analysis is free and our answer will be frank, even if it is negative.
Credit is a commitment and must be repaid. Check that you can afford the repayments before you commit.
