Special offer for vulnerable customers
The special offer is a paid service designed for any customer identified as being in a financially vulnerable situation. For a fee of €3 per month, the customer benefits from full banking services with capped fees and limited risk of incidents.
The full terms and conditions of the offer can be found here .
Customer eligibility
Eligibility for the “vulnerable customer” category is defined by the guidelines of the Bank of France and is based on both regulatory foundations and criteria chosen by financial institutions.
The customer may be automatically considered eligible if they are in one of the following situations:
- The client submitted an over-indebtedness file;
- The customer is registered in the Register of Incidents of Repayment of Credit to Individuals (FICP);
- The customer is registered in the Central Cheque File (FCC);
- The customer is registered for 3 consecutive months in the Banque de France file which centralizes check payment incidents;
- The customer accumulates 5 irregularities or payment incidents during the same month.
For individuals not registered in the database, eligibility criteria focus on analyzing income and banking incidents. Sumeria defines vulnerable customer status as a person who:
- declared or received income of less than €1400 net per month (as shown on the account or on proof of income over three consecutive months);
- and paid at least €25 in payment incidents on his account and 5 anomalies* per month, for three months in a row.
Contents of the special offer
For €3 per month and with no commitment, the customer has access to the following services:
The services of the Sumeria Standard card:
- The provision of a payment card with systematic authorization, designed to prevent overdrafts.
- Managing an account without the possibility of a negative balance.
- Payment limits of up to €6,000 per month, which the customer can adjust to be lower.
- Withdrawal limits of up to €500 per week and up to 6 free withdrawals per month.
- The customer has the option to contact an advisor by phone, by appointment.
Regulatory banking services ( decree of June 30, 2014 ) :
- The maintenance, closing and, where applicable, opening of the deposit account.
- The execution of 4 monthly SEPA transfers, including at least one standing order.
- The execution of an unlimited number of SEPA direct debits.
- Providing a means of accessing the account remotely.
- Providing an alert system for the account balance level.
- The provision of bank account details (RIB).
- The possibility of changing your address once a year.
Enhanced protection:
- Credit and risky investment products are restricted.
- The customer benefits from a specific cap on their bank incident fees.
Cap on incident fees
The regulations and the special offer provide for a cap on customer fees in the event of irregularities or payment incidents.
For customers who have subscribed to the special offer:
- Intervention fees are limited to €4 per transaction.
- The total cost of incidents of any kind is capped at €20 per month and €200 per year.
For customers identified as vulnerable but who have not subscribed to the offer:
- The total cost of bank incident fees of any kind is capped at €25 per month and €300 per year.
Subscription and cancellation of the offer
To ensure appropriate support, the activation and termination of this offer must be carried out by an advisor.
To subscribe: If a customer believes they are eligible and has not been offered the offer, they should contact Sumeria Customer Service at contact@sumeria.eu. An advisor will review their situation and activate the offer.
To cancel: The customer cannot modify or cancel this offer directly from the app. To do so, they must contact Customer Service, who will handle the process.
* Anomalies do not include payment refusals on completed or blocked cards.