Bank Account File (Ficoba)

Ficoba is a national file managed by the Directorate-General for Public Finance.

Ficoba lists all the safes and bank accounts opened in France: current accounts, savings accounts, securities accountsetc.

This file is obligatory fed by financial institutions in connection with any opening, modification or closing of an account or safe.

Ficoba contains the following information:

• Name and address of the bank that manages the account or safe
• Identity of account holder(s) or safe deposit box tenant(s) (surname, first names, date and place of birth, address)
• Essential characteristics of the account or safe deposit box: number, nature (current account, savings account ...) type of account (single, joint, undivided ...) term of rental of the safe deposit box
• Date and nature of the transaction reported (opening, closing, modification of the account or its holder).

Ficoba does not contain the details of the transactions carried out on the account, nor the balance of the account.

No, you cannot object to the registration of your accounts in the Ficoba file.

Banks have an obligation to update Ficoba within 7 days any opening, modification or closing of an account or safe.

The information is kept in Ficoba for the entire life of the account and 10 years after its closure.

You can ask Ficoba to check the list of your accounts opened in France in different banks. Ficoba can help you find an old account.

Ficoba may be useful if you suspectimpersonation of your identity, to verify that no account has been opened in your name for you.

The following people can access the file:

• The account holder
• The legal representative of the minor child holding the account
• The agent authorized to act on behalf of the account holder: e.g. curator or the guardian
• One of the heirs of the account holder.

Other people and organizations also have access to Ficoba. These include the tax administration, judicial police officers, certain judges, notaries in charge of a succession, judicial commissioners (formerly judicial bailiff and judicial auctioneer) and certain police officers. Caf: titleContent.

Yes, the request for access to Ficoba is free of charge.

But you may have to pay a fee for any supporting documents (copying fees) if you interview Ficoba for someone other than yourself or your minor child.

The access procedures are different depending on the person to whom the bank account concerned by the request belongs:

If the transmitted data are false, you can exercise your right of rectification. To do so, you must send the bank concerned the documents necessary for the rectification (for example: death certificate of the account holder).