Multi-currency current accounts, premium metal bank cards, instant SEPA and SWIFT transfers with strong authentication and sovereign protection of your assets.
01 — Our plans
Transparent solutions designed for discerning private individuals, professionals and private banking clients.
Everyday Account
€0/ month
The simplicity of a fully-fledged personal deposit account for your everyday transactions in complete autonomy.
Support & Peace of Mind
€9.90/ month
Privileged banking support with a dedicated adviser, direct telephone line and extended transaction limits.
Private Banking & Prestige
€19.90/ month
The combination of high-end wealth management, a sovereign concierge office and elite investment terms.
02 — Features
The robustness of a major regulated banking institution combined with the most advanced technological fluidity in Europe.
Strong authentication compliant with PSD2 via facial or fingerprint biometrics. Military-grade AES-256 encryption and 24/7 predictive anomaly detection.
Transfer funds in less than 10 seconds anywhere in the European Union and internationally via the SWIFT network at a transparent interbank exchange rate.
Lock or unlock your card with a single gesture, instantly adjust your limits and generate single-use virtual cards for your online payments.
Automatic categorisation of your financial flows, certified bank statements in PDF and OFX format, and configurable intelligent notifications.
03 — Process
A fully digital onboarding process compliant with the requirements of the French Prudential Supervision and Resolution Authority (ACPR).
01
Enter your personal and professional details on our encrypted portal in under 3 minutes.
02
Upload an official identity document and proof of address. Rapid validation by our compliance analysts.
03
Your account is active upon validation: make your first transfers and receive your physical bank card within 72 business hours.
04 — Comparison
| Services & Features | Essential | Premium Gold | Metal Privilege |
|---|---|---|---|
| Account maintenance fees | €0 / month | €9.90 / month | €19.90 / month |
| Bank card type | Classic Physical | International Gold | 16g Engraved Steel Metal |
| Instant SEPA Transfers | Free & Unlimited | Free & Unlimited | Free & Unlimited |
| ATM withdrawals – euro area | 3 free / month | Unlimited free | Unlimited free |
| Monthly payment limit | €3,000 | €7,500 | Bespoke / Negotiated |
| Travel & assistance insurance | Standard | Extended Gold Insurance | Prestige & VIP Repatriation |
| Banking support | 24/7 digital support | Dedicated adviser | Private Banker & Concierge 24/7 |
05 — Regulatory framework
FGDR
Your deposits are protected up to €100,000 per account holder by the Deposit Guarantee and Resolution Fund (Art. L. 312-4 of the French Monetary and Financial Code).
ACPR
Saratabank is subject to the authority of the ACPR and Banque de France, ensuring compliance of all our operations.
DSP2
Systematic Strong Customer Authentication (SCA) and secure access protocols for banking APIs.
RGPD
Highly secure data hosting within the European Union with AES-256 symmetric encryption.
06 — Frequently Asked Questions
Everything you need to know about managing your online bank account with Saratabank.
As a regulated banking institution, your deposits are legally guaranteed up to €100,000 per depositor by the Deposit Guarantee and Resolution Fund (FGDR), under the direct supervision of the ACPR and Banque de France.
You simply need a valid identity document (national identity card, passport or European residence permit) and proof of address less than 3 months old (energy bill, telephone bill or rent receipt).
Yes. At Saratabank, all instant SEPA transfers to any compatible European bank are 100% free and credited in under 10 seconds, with no arbitrary amount limits.
Absolutely. Through Saratabank's automated banking mobility service, we will notify your creditors (employer, tax authorities, telecom, energy provider) free of charge without any action required on your part.
The Metal Privilege card is crafted from 16-gram stainless steel, engraved with your first and last name. It features contactless payment technology, 24/7 banking concierge and limits that can be customised in real time from your client portal.
Open your bank account in under 5 minutes and benefit from the strength of a genuine bank combined with digital simplicity.