How to open a bank account without ID

Opening a bank account is essential in everyday life – to receive a salary, pay bills or make transfers. But what can you do if you don’t have a valid ID document? This guide explains how to open a bank account without ID, what legal exceptions exist, and the practical options available to you.

We’ll also explain how Sogexia enables people to open an account online without income requirements, using a simplified and secure process.

Why is ID required to open a bank account?

European regulations require all financial institutions to verify the identity of anyone who wishes to open a bank account. In France, this obligation comes from EU Directive 2015/849 on anti-money laundering and counter-terrorism financing.

This means that opening a bank account without ID is not legally permitted. However, you don’t necessarily need a national ID card – other forms of identification are also acceptable.

Can I open a bank account without a national ID card?

Yes, you can open an online bank account without a national ID card, as long as you provide another accepted form of ID, such as:

• A valid passport (French or foreign)
• A residence permit or residence card
• A driving licence (in some cases)
• A proof of address with the host’s valid ID if you live with someone

These accounts are still subject to legal requirements: identity must be verified before the account can be fully activated.

Are there accounts with no ID at all?

In practice, it’s not possible to open an account online without any form of ID. However, some solutions offer simplified processes. These may include:

• Payment accounts with delayed identity checks
• Prepaid accounts with limited usage (low monthly limits)

But even these options eventually require a valid ID to prevent account suspension or restrictions.

What if I don’t have any valid ID?

If you don’t have a valid ID, you can:

• Contact your town hall or consulate to renew your ID or passport
• Seek help from an approved social organisation to assist with the process

⚠️ The “right to an account” (article L312-1 of the French Monetary and Financial Code) allows you to access a basic account if you’ve been refused by a bank. However, this also requires a valid form of ID. You cannot open an account without any ID under this provision.

Can I open an account with no initial deposit?

Yes. Some online providers or payment institutions let you open an account without making a first deposit. This is the case with Sogexia, which has no minimum opening balance.

This is particularly useful for people with low income, students or those facing banking exclusion.

What are the limits of accounts with incomplete ID?

Accounts opened with incomplete identity verification are subject to:

• Lower spending and withdrawal limits
• Limited services (no cheque book, no overdraft)
• Risk of account being blocked if there’s suspicion of fraud or during a check

Even for online or fee-free accounts, French law requires institutions to verify the account holder’s identity in the end.

Why choose Sogexia to open an online account?

Sogexia is a licensed payment institution that offers accessible services for all:

• 100% online account opening in just a few minutes
• No income requirement
• No initial deposit
• International debit card, transfers and direct debits included

To open an account with Sogexia:

• Provide a valid ID
• Submit proof of address less than 3 months old
• Take a selfie with your ID

This account comes with no monthly fees – perfect for anyone looking for a simple, secure and fast banking solution.

Key takeaways

• A valid ID is mandatory to open an account, even online
• You can use a passport, residence permit or driving licence instead of a national ID card
• The “right to an account” doesn’t exempt you from providing valid ID
• Sogexia offers an easy online account opening, with no deposit or income requirements