English-webiste

English website

Welcome to the english website of Banque Populaire Occitane,
may I help you ?

Means of payments

Using a debit card in France

Whether you use it for purchases or for withdrawing money, your bank card will prove useful both in France and abroad. You should be aware that cards do not work in the same way as in other countries. 

With these debit cards, as soon as you make payments or withdrawals, it is immediately debited from your account. You must always ensure that you have enough provision in your account before you debit it or you will have charges to pay for the overdraft.  

Once the card is ordered it usually takes around 10 days to arrive at your legal address. The 4 figures pin number will also be sent to your legal address by post one or two days before or after your card. In order to activate your card, you need to enter the pin number in a cash point or in a shop.(You cannot activate a card by using it the first time on the internet, for example, as you do not enter the pin).

In case of theft or loss: the emergency telephone number for reporting a lost or stolen debit card or chequebook:
If you are in France is: 01 77 86 24 24
If you call from abroad: 0033 254 546 724
If your card was stolen then you also need to report it to the police.

Upgraded debit card: Visa Premier

To access services and insurances without any frontier

This debit card will allow you: 
•  Higher withdrawal and payment possibilities than a classic card. 
•  Insurance and assistance for all your travelling (Repatriation, medical assistance for you and your family when travelling together or separately, car rental insurance, cover against cancellation/interruption of your holiday, cover against flight or luggage     delays, cover in case of theft or loss of your card…) 
•   Skiing cover: help and search expenses, public liability, ski pass refund, damage to skis… You and your family are covered for all your mountain activities! 
•  Many other Privileges: “Premier Voyages” and “Premier Spectacles” agencies will help you to organise your holidays and your leisure activities (preferential prices for hotels, car rental and flights, exclusive offers for holidays/short stays and week-end trips, instant telephone bookings to all shows in Paris and throughout the country). 

This debit card means substantial savings for you as you do not have to take an insurance policy out every time you travel as long as you pay your holiday (journey and staying) with the VISA PREMIER card.

Are you interested by these products ?

Other types of debit cards such as Visa Platinum and Visa infinite, intended for affluent consumers who are frequently travelling abroad, are available.

Contact us

Access to the site

How to access ?

Click on « ACCES A VOS COMPTES » on the top right hand side. 

On the 1st line IDENTIFIANT enter your n° d’abonné:  Qxxxxxxx And in the next box MOT DE PASSE enter the provisory password given to you. 

When you enter all that, you arrive on another screen CHANGEMENT DE MOT DE PASSE where you have to register your own password.Be careful, your ‘mot de passe’ should be between 8 and 12 characters with at least 1 digit and 1 letter. Beware, for letters if you save them in upper cases and then after enter them in lower cases, it will not work. This new password must be one you never tried or had before.

 In the 1st box, you enter the one we gave you, and in the next 2 boxes, you enter your own « mot de passe » (twice) and valid (you must only use your own password from now on). Once the password changed, you will then arrive on the presentation page of the site.

At the top, in the middle, you have 3 tabs: “MON ESPACE”, “MES COMPTES” and “MES OPERATIONS”. 

BPOC Offers

Cristal Pack and Family Pack

Since your banking needs are different at each stage of your career, Banque Populaire Occitane has developed advantageous products and services tailored to your circumstances, known as the Cristal Pack and the Family Pack.
Three offers are available:

  • Essential

    – ​With the Visa Classic card
    – Free cash withdrawals in France outside of the Banque Populaire network
    – Insurance for your payment methods, insurance covering identity and mobile phone theft, Sécuriplus (1)
    – No overdraft charges provided the amount overdrawn is within the authorised overdraft limit (2) of €500
    – Digital safe

  • Comfort

    Services that make banking easy:

    – With de Visa Premier card, or the Visa Classic card
    – Free cash withdrawals in France outside of the Banque Populaire network
    – Insurance for your payment methods, insurance covering identity and mobile phone theft, Sécuriplus (1)
    – No overdraft charges provided the amount overdrawn is within the authorised overdraft limit (2) of €500
    – Digital safe

  • Premium

    A high-end offer with extra innovative services:

    ​- With de Visa Platinum card, or the Visa Premier card, or the Visa Infinite card
    – Free cash withdrawals in France outside of the Banque Populaire network
    – Insurance for your payment methods, insurance covering identity and mobile phone theft, Sécuriplus (1)
    – No overdraft charges provided the amount overdrawn is within the authorised overdraft limit (2) of €500
    – Digital safe
    – Free-of-charge Instant Payment scheme (3)
    – No cash withdrawal and payment charges when you use your card outside of the Euro zone

Mortgages and loans

We offer competitive personal loans for all your purchases (car, electrical equipments, etc…).

We also offer competitive mortgages to purchase land, properties or to renovate an existing property.

The maximum duration is 25 years.

You will be asked to fill in a questionnaire in English, in order for your adviser to assess if you are eligible. You cannot borrow against your property. In France, banks will look at your incomes (not including the value of your properties) and your charges (existing loans, rent,credit card balances…). 

If your debt level is less than 33% then you may be eligible. The majority of our mortgages have a fixed rate. We can also offer flexible rate mortgages and bridging loans.Once your mortgage file has been accepted by our mortgage department, the official offer will be sent to you. 

You will have 11 days cooling-off period before signing and returning it. The offer is valid for 30 days.

Insurances