managing your accounts
esprit libre référence

Esprit Libre Référence


Your banking products and services at preferential rates

Esprit Libre Référence

Esprit Libre Référence is a banking package that provides you
access to a complete range of essential products and services for managing and tracking your bank accounts from day to day.

An essential part of your daily life

In detail

Debit card included

more optionsSimplicity, guaranteed

Benefit from all the advantages of the Visa Electron, Visa Classic, Visa Premier or Visa Infinite Cards.

BNP Paribas Security

more protectionEnjoy peace of mind

You are protected in the event of fraudulent use of your payment instruments, theft of cash and loss or theft of your official documents or keys (front door of your principal residence, car, safety deposit box rented from BNP Paribas).

Your choice of options

Customized banking offerAdditional services

Take advantage of additional services in order to customize your Esprit Libre package as you wish.

Monthly premiums

more convenientEasier payments

Benefit from more convenient monthly payments.

Further details

Please note

With the Esprit Libre banking package, you benefit from many preferential rates on your other banking products:

  • At least 5% reduction on the standard rate for the "Essentials"
  • At least 10% reduction on the standard rate for the "Optional features"
  • Complimentary "additional banking services"
  • Additional 10% reduction on the rate for your primary debit card with Esprit Libre when you sign a direct income deposit agreement.

Detailed features of

Esprit Libre Référence

Download the pdf

  • Eligibility
  • Description
  • Cancellation
  • Rates
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The Esprit Libre Référence banking offer is reserved for people who are at least 25 years of age.

Documentation and comparison tool ()

FAQ ()

In addition

  • Offre relevés en ligneAccountsONLINE STATEMENT OFfERYou can access your statements and transaction orders in PDF format anywhere and anytime in your Customer Area or on the "Mes Comptes" app.
  • Carte A Chacun Son ImageCardsÀ Chacun son imageGlobetrotter, athlete, philanthropist, nature lover? Make your card unique!
  • BNP Paribas Sécurité plusProperty insuranceBNP Paribas Security PlusThe insurance policy for the entire family – covering your payment instruments, cash, personal belongings (keys, official documents and handbags) and identity.

Have a question?

Our advisors are here to assist you.

Contact us

For assistance or to make a claim/contest a charge, your advisor can be reached on their direct line (a standard rate call).

BNP Paribas, limited company with a capital of €2,492,770,306 – Headquarters: 16 boulevard des Italiens, 75009 Paris. Registered with the Paris RCS (Trade and Companies Registry) as No. 662 042 449 – EU VAT identification No. FR76 662 042 449 – ORIAS No. 07 022 735.

INTER PARTNER Assistance was designated by AXA Assistance as an insurance business under the AXA Assistance Group, accredited by the Banque Nationale de Belgique (0487). Limited company under Belgian law with a capital of €11,702,613 – Headquarters: 166 avenue Louise, 1050 Brussels, Belgium – Registered with the Brussels RLP as No. 415 591 055; French office: 6 rue André Gide, 92230 Châtillon – Registered with the Nanterre RCS (Trade and Companies Registry) as No. 316 139 500

Cardif Assurances Risques Divers, limited company with a capital of €16,875,840 – registered with the Paris RCS (Trade and Companies Registry) as No. 308 896 547 – regulated by the French Insurance Code – Headquarters: 1 boulevard Haussmann, TSA 93000, 75318 Paris – Offices: 4 rue du Port, 92728 Nanterre Cedex

Juridica, limited company with a capital of €14,627,854.68 euros – regulated by the French Insurance Code – registered with the Versailles RCS (Trade and Companies Registry) as No. 572 079 150 – Headquarters: 1 place Victorien Sardou, 78160 Marly-le-Roi

SPB, simplified joint-stock insurance broker and management firm with a capital of €1,000,000 – subject to supervision by the French Prudential Control and Resolution Authority (Autorité de Contrôle Prudentiel et de Résolution) – Headquarters: 71 quai Colbert, 76600 Le Havre – registered with the Havre RCS (Trade and Companies Registry) as No. 305 109 779 – ORIAS No. 07 002 642 (