The current account done simply,
built to last.
Three clear plans, no hidden fees. One app, one adviser, and cards you genuinely choose.
- Account opened in 8 minutes — IBAN active straight away
- Account switching included — we move your direct debits for you
- Fee-free payments and withdrawals across the euro area
Everything that should be standard, is.
No boxes to tick, no surprise fees. Here is what you get from day one.
Contactless payment
Up to €50 without a PIN, anywhere in Europe. Apple Pay and Google Pay set up in 30 seconds.
Adjustable limits
Raise or lower your limits from the app. Takes effect instantly, no phone call needed.
International payments
No fees on payments within the euro area. Interbank exchange rate for other currencies.
Real-time notifications
Every transaction confirmed in under 4 seconds. Duplicate and foreign-purchase detection.
Biometric authentication
Fingerprint, Face ID and a 6-digit code. No passwords to remember, with SCA-grade security.
Loyalty programme
1 point for every euro spent. Redeem them for chocolates, cultural outings, or a charitable donation.
Three cards, three uses, one single account.
Changed your mind? You can switch plans from your client area, free of charge and with no card reissue if the higher plan uses the same chip.
| Essential Free | Privilege Most popular | Metal Premium | |
|---|---|---|---|
| Monthly fee | 0 € /mo | 9,90 € /mo | 24,90 € /mo |
| Debit card included | Visa Classic | Visa Premier | Visa Infinite metal |
| Payment limit / month | 3 000 € | 10 000 € | 50 000 € |
| Withdrawals outside the euro area | 2% per withdrawal | Fee-free (5/month) | Fee-free (unlimited) |
| Travel & rental insurance | — | Included | Premium |
| Dedicated adviser | By appointment | Available 6 days a week | Concierge 24/7 |
| Choose Essential | Choose Privilege | Choose Metal |
From your armchair to your first card: four steps.
You apply
Identity, address, proof of income. 8 minutes on average, with an electronic signature.
We approve
KYC verification within 24 business hours. An adviser writes to you to confirm.
Your IBAN goes live
You can already receive transfers and start the account switching process.
Your card arrives
3 business days by tracked mail. Activate it by scanning in the app.
We move your banking life
so you don't have to.
The account switching mandate is signed electronically when you open your account. Incoming transfers and direct debits are transferred within 22 days, in line with the law.
- An inventory of your direct debits
- Your creditors notified on your behalf
- Your payers notified (salary, benefits, etc.)
- Real-time tracking in your client area
Online banking, redesigned to last.
A modern universal bank designed for your everyday finances as much as your long-term plans. Our online bank accounts open in under ten minutes, your cards — Visa Classic, Visa Premier or Visa Infinite metal — arrive within three business days, and the pricing stays clear from start to finish.
Pricing with no blind spots
No hidden fees, no surprise charges. Every transaction appears on your statement with a clear label, its SEPA code and the counterparty. The fee schedule is updated fourteen days in advance and you're notified by secure message.
End-to-end SCA security
Strong authentication on every payment over €30, biometric signing, and real-time behavioural detection. Your credentials never leave your device thanks to Secure Enclave storage.
A dedicated adviser you can reach
No anonymous call centre. When you open your account, you receive the name, photo and private messaging details of your adviser — available six days a week and trained specifically for your profile.
A human team, not a bot
Chat, phone, or video appointment: you speak to advisers based in Paris and Lille. Average response time is measured every month and published on our transparency page.
IBAN active in eight minutes
Your online current account is open and ready the same day. Your outgoing SEPA transfers are processed in under ten seconds; instant transfers are free, around the clock.
Your deposits, protected
Client funds are segregated in a ring-fenced account separate from the balance sheet. AES-256 encryption on communications, with twice-yearly security audits by an independent firm.
Choosing an online bank account:
what really matters.
A good online bank account is about more than a free card or a well-rated app. It's an everyday management tool that has to handle SEPA transfers, direct debits, international payments and the switching that comes with a changing life. At Calp, we designed our three plans — Essential, Privilege and Metal — so you stay in control of your limits, your categorisation and your accounting exports, without having to call in for the slightest change.
Premium bank card: Visa Premier or Visa Infinite metal?
The Visa Premier on our Privilege plan covers most needs: fee-free withdrawals outside the euro area, travel insurance included for trips paid with the card, and limits extended to €10,000 in monthly payments. The Visa Infinite metal, reserved for the Metal plan, adds a 24/7 concierge, limits raised to €50,000, and ticketing insurance that refunds cancelled cultural purchases. The metal body weighs 18 grams and is laser-engraved with your name.
Account switching: open an account without starting over
When you open a current account with Calp, we take care of the full account switching service provided for by law: listing your direct debits, notifying your creditors, and passing your new IBAN to your employers and benefit agencies. The transfer is guaranteed within 22 business days, you follow every step from your client area, and we cover any rejection fees during the changeover period.
A mobile app built like a cockpit
The Calp app brings together current accounts, joint accounts, savings sub-accounts, cards and investments in a single view. You categorise your spending, set monthly budgets, manage direct-debit authorisations and block your card with one tap. Apple Pay and Google Pay are active in 30 seconds, and payment notifications arrive in under four seconds on average.
About your Calp account.
01
How do I open an online bank account with Calp?
Opening an online bank account takes around eight minutes from your smartphone or computer. You enter your identity details, upload an ID document and proof of address, then sign the contract electronically. The IBAN is active straight away and the card is sent within three business days by tracked mail.
02
What documents do I need to open a current account?
Three documents are enough: a valid ID (national ID card, passport or residence permit), proof of address less than three months old (energy bill, rent receipt, tax notice) and an identity-verification selfie taken directly in the app. No initial deposit is required for the Essential plan.
03
Is the premium Calp Metal bank card free?
The Visa Infinite metal card on the Metal plan is included in the monthly fee of €24.90. It comes with premium travel insurance, extended purchase insurance, a 24/7 concierge, unlimited fee-free withdrawals outside the euro area, payment limits of €50,000 per month and access to partner airport lounges (an annual allowance applies).
04
What hidden fees should I watch out for?
None. Calp applies a public fee schedule, updated fourteen days in advance and sent by secure message. Payments within the euro area are free on all three plans, SEPA transfers and instant transfers are free, and the stated monthly fee (€0, €9.90 or €24.90) is the only recurring cost.
05
Does my old bank need to be informed?
No. Account switching is included when you open your account: we take care of notifying your former bank, along with your creditors (energy, telecoms, insurance) and your payers (employer, benefit agencies). The transfer is completed within 22 business days, in line with the 2017 Macron Act.
06
What happens if I lose my bank card?
You block the card instantly from the app — one tap is all it takes. Your replacement card is sent the next business day and arrives within three to five days. In the meantime, you can use a virtual card generated in the app for Apple Pay and Google Pay, as well as for your online purchases.
07
Is the Calp account compatible with international payments?
Yes. All euro payments within the European Economic Area are free. For other currencies, the Mastercard / Visa interbank rate is applied with no mark-up on the Privilege and Metal plans. Incoming SWIFT transfers are free, and outgoing transfers are charged at cost.
08
How do I switch plans (Essential, Privilege, Metal)?
You can switch plans in two clicks from your client area. The new pricing applies from the first day of the following month and, if you move up to a higher plan using the same chip, no new card is sent — the upgrade is instant.
Eight minutes,
and it's done.
Your first transfers land as soon as your IBAN is active. Card sent within 3 business days.
