the Banque de France responds to 3414

How to contact the Banque de France by telephone? Since the end of October, a single number has existed for individuals in mainland France, usable from Monday to Friday, from 8 am to 6 pm: 3414 (not surcharged, at the cost of a local call).

“In 85% to 90% of cases, the caller has access to a contact from the institution in less than five minutes”assured Mark Béguery, Director of Individuals, during the presentation of the service, on November 22, specifying that the institution had previously “two hundred telephone numbers on the territory”.

3414 can only be used for requests for general information or to make appointments, it is not intended to provide personal information. “These are always agents of the Banque de France who answer this number, and the establishment of this one is carried out without prejudice to our ability to welcome individuals on site”, said Mr. Béguery. Adding that it is also possible to inquire or file requests on the Internet and by post (Banque de France, TSA 50 120, 75 035 Paris Cedex 01).

Torn ticket, fraudulent payment

Each year, the Banque de France receives more than a million calls. Most frequent reasons: questions related to the over-indebtedness (38% of calls in recent months) and incident files (24%): the personal loan repayment incident file, the central check file and the national irregular check file.

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One in ten calls is also to make an appointment; one in twenty to learn about the right to account. A person residing in France who is unable to obtain a bank account can indeed ask the Banque de France to appoint a bank which will be obliged to give him access to basic services.

This right has been improved in recent months. Since the end of December 2021, it has been accessible even if you already have a joint account – a measure in particular reserved for victims of domestic violence. And, since mid-June, the applicant can launch a procedure even if he does not yet have a letter of refusal to open an account, provided he proves that he has made a request at least fifteen days previously. An initial assessment of these measures should be drawn up next spring.

If we most often telephone the institution to understand why we find ourselves “on file with the Banque de France” and how to react, or when we are faced with major financial difficulties, “the reasons for [les] to call are very diverse”notes Mr. Béguery. “Some wonder if their bank has the right to cancel their overdraft, what they should do with a damaged note, if you can have two A booklets, how to get a refund for a fraudulent card payment, etc. »

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