SG (ex Société Générale) 2023 prices – Detail of all costs, SG (ex Société Générale) bank card – Opinion, prices and services

SG (ex Société Générale) bank card – Reviews, prices and services

Contents

Sincerely, the Captain Banque team.

SG (ex Société Générale) 2023 prices – detail of all costs

Find below the detail of the SG (ex Société Générale) prices and bank charges. Each year, we update the SG (ex Société Générale) prices and indicate the changes that will be put in place. The bank updates its pricing brochure for a modification of the prices which generally takes place on January 1.

�� Summary

�� SG packs

�� Sobrio

SG (ex Société Générale) proposes either to subscribe to each service independently, or to opt for its grouped offer Sobrio. This includes, for example, a bank card, account holding costs or means of means of payment. ��

Visa Evolution card Visa or MasterCard Visa Premier or Gold Mastercard Infinite visa
�� under 18 0 € 0 €
�� 18-24 years old 3 €/month 3 €/month 13 €/month
�� 25-29 years old € 5.76/month € 6.32/month
�� + 29 years old € 7.20/month € 7.90/month € 14.90/month € 28.90/month
�� Sobrio Duo € 5.04/month € 5.53/month € 10.43/month € 20.23/month
�� Prices on January 1, 2023

For a pack with a Visa Classic card, it will therefore cost 7.90 € per month for a customer over 29 years old. Those who are 18 and 29 years old, however, benefit from preferential rates at SG.

The SG prices also evolve according to the chosen bank card. The more the card goes up, the more expensive the pack will cost.

SOBRIO DUO is none other than the SG joint account, making it possible to obtain for this price not one but two bank cards, i.e. one per holder.

�� Banxup – For minors

SG also launched a free offer dedicated to minors, banxup, from 10 years old. To take advantage of it, the parent must however be a customer of SG (ex Société Générale) himself. ��

Banxup SG (ex Société Générale)
Rate Free
Age 10 – 17 years old
Bank card Systematic authorization
Banking For the parent and the child
Overdraft No
Features – Request for money from the parent
– Card blocking
– Blocking online payment, withdrawals, payments abroad
– Modify expenditure ceilings
– View operations and account balance
– Categorization of expenses
Eligibility ⚠️ The parent must be SG (ex Société Générale) customer

�� SG (ex Société Générale) prices of bank cards

If the customer chooses to Do not subscribe to a sobrio pack, So he will have to pay each banking service independently, Including his bank card. Find below the price of SG (ex Société Générale) bank cards.

Bank card side, prices have changed little over the years. The bank offers its customers all the usual types of cards, as well as the withdrawal and payment outside the European Union. On average the SG (ex Société Générale) prices correspond to those of other large banking establishments. ��

Visa Evolution Visa Classic Premier visa Infinite visa
Annual subscription 35 € 45 € 135 € 330 €
Withdrawals out
SG distributors
€ 1 from the first withdrawal € 1 from the 4th
withdrawal per month
Unlimited Unlimited
Withdrawals out
eurozone
3 € + 2.70% of the amount 3 € + 2.70% of the amount 3 € + 2.70% of the amount 3 € + 2% of the amount
Payments out of
eurozone
1 € + 2.70% of the amount 1 € + 2.70% of the amount 1 € + 2.70% of the amount 1 € + 2% of the amount
Second card on joint account -50% on the second card -50% on the second card -50% on the second card -50% on the second card

The prices of various operations such as the reissue of the secret code or the replacement of the card are not negligible but are, fortunately, expenses which should only be very punctual. ��

Diverse operations
2018/2019 2020/2021 2022 2023
Secret code choice

10 € 10 € 12 €
Included in Sobrio
12 €
Included in Sobrio
Code reissue

10 €
Blue e-card code: € 5
10 €
Blue e-card code: € 5
10 €
Blue e-card code: € 5
Included in Sobrio
Customer area: free
With an advisor: 10 €
Blue e-card code: € 5
Included in Sobrio
Modification of ceilings

Free Free Free Free
Card replacement

€ 16 (excluding dysfunction
and automatic renewal)
€ 16 (excluding dysfunction
and automatic renewal)
€ 20 (excluding dysfunction
and automatic renewal)
€ 20 (excluding dysfunction
and automatic renewal)
Opposition fees

Free Free Free Free

Young people of under 25 benefit from discounts On SG (ex Société Générale) prices as the exemption from account holding costs and the classic card (or systematic authorization) at -50%.

To find out more about what these prices correspond to, you can consult our article dedicated to the SG (ex Société Générale) packs.

�� SG prices (ex Société Générale): current services

The current services correspond to everyone Daily account management fees. Account holding, transfer and selection of SEPA, insurance, issue of checkbook and bank checks … as many services as the French use regularly. It is therefore important to consult the prices first.

The banking pack, on the last line of the table, simply corresponds to the Sobrio offer. ��

Current services prices
2018/2019 2020 2021 2022 2023
Account holding fees 24 €/year 24 €/year 24 €/year 27 €/year
Included in Sobrio
27 €/year
Included in Sobrio
Internet subscription Free Free Free Free Free
SMS alerts 12 €/year 12 €/year 12 €/year
Included in Sobrio
12 €/year
Included in Sobrio
12 €/year
Included in Sobrio
Loss and flight insurance
means of
payment
24 €/year 24 €/year 24 €/year 24 €/year 24 €/year
Occasional separate transfer Online: free
In agency: 5 €
Online: free
In agency: 5 €
Online: free
In agency: 5 €
Online: free
In agency: 7 €
Online: free
In agency: 8 €
Permanent separate transfer Online: free
In agency: € 1.25
Online: free
In agency: € 1.50
Online: free
In agency: € 1.50
Online: free
In agency: € 1.70
Online: free
In agency: € 1.60
Instant transfer Not available Not available Emission : 0.80 €
Reception: Free
Emission : 0.80 €
Reception: Free
Emission : 0.80 €
Reception: Free
SEPA SEP Free Free Free Free Free
Emission of a bank check 15 € 15 € 20 € 20 € 20 €
Sending a checkbook Simple mail: free
Recommended: € 2.60 (+ postal costs)
Simple mail: free
Recommended: € 2.60 (+ postal costs)
Letter followed: free
Recommended: 4 € (+ postal costs)
Letter followed: free
Recommended: 4 € (+ postal costs)
Letter followed: free
Recommended: 4 € (+ postal costs)
Opposition cost of a check € 12.50 € 12.50 € 12.50 € 12.50 € 12.50
Banking pack Entrance: € 82.80/year
High -end: € 166.80/year
Entrance: € 82.80/year
High -end: € 166.80/year
Entrance: € 82.80/year
High -end: € 166.80/year
Entrance: € 94.80/year
High -end: € 178.80/year
Entrance: € 94.80/year
High -end: € 178.80/year

From now on, it is also possible to make an instant transfer at SG, whose issue is currently paying currently. We note that the cost of an agency transfer has increased several times and becomes very high, which penalizes people with little comfortable with digital and who still need an advisor to perform this operation.

�� Irregularity costs and payment incidents

Discoveries, checks without provisions, direct debit and transfer, registration in the Banque de France file … are payment incidents. Resulting costs that can be particularly significant when they accumulate. So you have to be particularly vigilant in the matter.

Some of these costs are capped by French law. There are among them the costs of intervention commission as well as rejection of check due to insufficient balance. ��

Payment irregularity
2018/2019 2020/2021 2022 2023
intervention commission € 8 per operation (ceiling of € 80 per month) € 8 per operation (ceiling of € 80 per month) € 8 per operation (ceiling of € 80 per month) € 8 per operation (ceiling of € 80 per month)
Prior newsletter to rejection of a check 15 € 15 € 15 € 15 €
Rejection of check for insufficient balance € 30.00 for check ≤ 50 euros
€ 50.00 for check> 50 euros
€ 30.00 for check ≤ 50 euros
€ 50.00 for check> 50 euros
€ 30.00 for check ≤ 50 euros
€ 50.00 for check> 50 euros
€ 30.00 for check ≤ 50 euros
€ 50.00 for check> 50 euros
Information letter for unauthorized debtor account 15 € 15 € 15 € 15 €
Transformation rejection for insufficient balance € 20.00
For permanent transfers
(for transfers rejected in an amount> € 20.00)
€ 20.00
For permanent transfers
(for transfers rejected in an amount> € 20.00)
€ 20.00
For permanent transfers
(for transfers rejected in an amount> € 20.00)
€ 20.00
For permanent transfers
(for transfers rejected in an amount> € 20.00)
Insufficient levy rejection rejection Amount of the levy rejected within the limit of € 20.00 Amount of the levy rejected within the limit of € 20.00 Amount of the levy rejected within the limit of € 20.00 Amount of the levy rejected within the limit of € 20.00
Inactive account fee 30 € 30 € 30 € 30 €
Authorized overdraft rate Not disclosed Not disclosed Not disclosed Not disclosed
Unauthorized overdraft rate Not disclosed Not disclosed Not disclosed Not disclosed

Among these SG (ex Société Générale) prices, we also see inactive account fees appear. Indeed, banks charge their customers inactivity costs. It can happen if No movement or operation have been recorded During a certain period. This amount is also capped.

�� Savings and credits

It is difficult to estimate the competitiveness of credits for SG (ex Société Générale) E prices since the interest rate varies depending on the amount, the duration of the loan and the profile of the customer. On the other hand, it is easier to get an idea when it comes to savings.

The bank offers classic booklets (booklet A, LDD, young booklet, etc.) there is a popular savings booklet at a 1.25%remuneration rate, capped at € 7,700 and accessible depending on the tax household, and a Savings account. The one offers a rate of 0.50% (this rate can evolve several times a year).

⏳ SG prices: developments in time

What changes on January 1, 2023 ?

Following significant inflation, and to protect consumers, the government has decided to increase the increase in banking costs at 2% in 2023.

In fact, the SG (ex Société Générale) prices that increase this year are few:

  • �� Occasional separate transfer in agency: € 7>8 €

There is even a drop:

  • �� Permanent separate transfer in agency: € 1.70>€ 1.60

What changes on January 1, 2022 ?

�� The SG (New name General General) prices on January 1, 2022 are now available. The price lines that increase are more numerous than those from last year:

SG prices

  • Choice of the secret card code: € 10>12 €
  • Replacement of the card in the event of loss, deterioration or theft: 16 €>20 €
  • Account holding costs: € 24/year>27 €/year
  • Occasional separate transfer in agency: € 5>7 €
  • Permanent separate transfer in agency: € 1.50>€ 1.70
  • Sobrio banking pack with classic card: € 82.80/year>€ 94.80/year
  • Sobrio banking pack with high -end card: € 166.80/year>€ 178.80/year

The choice of secret code begins to become ridiculously expensive, knowing that this is a free service in most online banks. The price of replacing the bank card or agency transfers are also increasing sharply. The price of the banking pack takes more than € 10 per year !

The prices of SG (ex Société Générale) therefore increase significantly this year. On the other hand, SG online bank, Boursorama Banque, still offers free bank offers without income condition. >> Discover Boursorama Banque

What changes on January 1, 2021 ?

Most SG (ex Société Générale) rates remain the same between 2020 and 2021. The price of cards or the Sobrio banking pack is identical. In this article, we noticed that only two of the most used prices increased ::

  • �� Emission of a bank check (excluding sobrio pack): From € 15 to 20 € By bank check
  • �� Sending a checkbook by registered mail: € 2.60 + postal costs at € 4 + postal costs

SG also launched a New offer for young people and students: Kapsul. For € 2 per month, customers benefit from a bank account and a systematic authorization card. A checkbook is available on but there is no overdraft authority. Customers can also meet an agency advisor.

Very soon, SG should also launch Banxup, A Free bank account for minors from 12 years old. Only customers of SG (ex Société Générale) will be able to open a banxup account to their children.

�� Assessment of SG (ex Société Générale) prices: are they competitive ?

SG remains a traditional bank and, therefore, its prices are raised and increase regularly.

On the other hand, online banks propose Free services. Monthly subscription, bank card subscription… are all products that can be free of charge. Find below the three best banks online:

Bank Classic card High -end card Benefits Offers
Hello One Free Hello prime 5 €/month
If € 1000 in income months
BNP Paribas window access Up to 180 € offered ► See
The offer
Mastercard Fosfo Free Gold Mastercard Free
If € 1,800 in income months
No costs abroad Up to € 230 offered + 100 € Purchasing vouchers ► See
The offer
Visa Classic 3 €/month Visa Premier 6 €/month Best customer service Excluded – up to € 200 offered before 25/09 ► See
The offer
Bank Classic card Offers
Hello One Free Up to 180 € offered
► See the Hello Bank offer!
Mastercard Fosfo Free Up to € 230 offered + 100 € Purchasing vouchers
► See the Fortuneo offer
Visa Classic 3 €/month Excluded – up to € 200 offered before 25/09
► See the Monabanq offer

SG (ex Société Générale) bank card – Reviews, prices and services

SG (ex Société Générale) bank card

How to choose your SG (New Société Générale) bank card ? Visa Classic or Mastercard, Visa Premier, Visa Infinite… SG offers all types of bank card possible. Find all the prices and the differences between the bank cards of Société Générale.

�� SG (ex Société Générale) bank card

What are the Bank Cards of Société Générale, and what are their prices ? Like many traditional banks, SG offers almost all types of existing bank card, from the Visa Classic to the Infinite visa via the MasterCard. The consumer is then spoiled for choice.

Bank cards prices ��

Visa Evolution
Visa Classic / Mastercard
Premier Visa / Gold Mastercard
Infinite visa

Each card can be subscribed alone. In this case, it will be necessary to add the account holding costs of € 27 per year, as well as the costs linked to other any services that the consumer will subscribe. Subscribing the card alone is advised if the customer just wishes to have more services, this is cheaper then to opt for the Sobrio banking pack.

Indeed, each bank card of SG (ex Société Générale) can also be obtained within the framework of sobrio pack. This is a pack that brings together other services such as account holding costs and means of payment insurance. The customer only pays for a fixed monthly contribution rather than each service separately. The pack prices evolve according to the chosen bank card.

Bank card SG (Société Générale): User fees

Costs can be applied during payments or withdrawals ��

Visa Evolution
Visa Classic /
MasterCard

Premier visa /
Gold Mastercard

Infinite visa

In the euro zone, All payments are free. Withdrawals made to SG distributors are also. On the other hand, for withdrawals from other distributors, it depends on the card: they will also be free with a first visa or an infinite visa, but not with a classic visa or a visa evolution.

�� Excluding euro zone, The costs are almost always the same, regardless of the SG bank card (new name of Société Générale) which has been taken out. Only the infinite visa card allows you to have a little lower price. A customer who travels regularly will have every interest in taking out the traveler option to reduce these costs, or more simply to turn to a free bank card abroad.

How to choose between the cards ? Is the SG (Société Générale) bank card more advantageous than that of other banks ?

Comparison: What are the bank cards of SG (Société Générale) worth ?

All the bank cards offered SG (Société Générale) are paid. This is always the case with traditional banks, except only cards for minors, which can sometimes be free. This is the case here with the Visa Evolution card.

Visa Classic Pack

As we can see above, SG is in the average of traditional banks. The prices are located between those of the BNP Paribas, a little less expensive, and HSBC, more expensive. As a rule, the prices of physical banks will revolve around these prices.

On the other hand, if we compare SG to the Online banks like Hello Bank and Monabanq, This is no longer competitive. Online banks allow you to obtain a free or inexpensive bank card. Hello Bank! For example, offers a free hello one card, as well as a high -end card, Hello Prime, for only € 5 per month. Monabanq offers prices from € 2 per month.

Note that Hello Bank! Allows you to deposit checks and species at the BNP Paribas counters. Monabanq does the same at the CIC and Crédit Mutuel counters.

Functionalities, options and additional costs

➡️ Each SG (ex Société Générale) bank card offers The following features:

  • Contactless payment up to € 50
  • Mobile payment: Apple Pay, Paylib

Société Générale bank card

➡️ via the mobile application, The bank card can also be personalized ::

  • Consultation of current ceilings
  • Instant increase in ceilings
  • Blocking and unlocking of the card
  • Opposition to the credit card

➡️ For each bank card, SG (ex Société Générale) proposes to subscribe Additional options ::

  • Collection card option, choice of visual: 12 €/year (-20% for holders of a Sobrio pack)
  • Blue E-Carte (single-use virtual card): 12 €/year
  • Dynamic cryptogram (the cryptogram is replaced by a screen and changes every hour): 12 €/year (-20% for holders of a Sobrio pack)
  • Secret code choice: 12 €
  • Reissue of the secret code: 10 €
  • Early replacement of the card (loss, flight, fraudulent use): 20 €
  • Traveler option (withdrawals and payments outside the euro zone without commission): 26 €/year (-20% for holders of a Sobrio pack)

If the customer travels often, we advise him to take out the traveler option, which allows you to have no costs on withdrawals and payments outside the euro zone.

The different SG (ex Société Générale) cards

Visa Classic/Mastercard card

Société Générale card

The Visa Classic card, and its during the Mastercard, is the most common SG (ex Social Society). It is simply an international and universal bank card, accepted everywhere in France and in many networks abroad, making it possible to make withdrawals or payments.

Both are available in immediate flow or delayed flow.

As this is a conventional bank card, it contains no insurance other than compulsory basic insurance. If the consumer wishes, he can take out additional means of payment, in order to cover in particular the loss or theft of his keys and papers.

Ceilings:

  • Withdrawals : up to 3050 €/7 days (460 € per day)
  • Payments: up to € 15,300/30 days

These ceilings will be adjusted according to customer income. If necessary, they can then be temporarily changed easily from the application.

Prices of the SG (former Société Générale) bank card ::

  • Immediate and delayed flow: 45 €/year
  • Under 25 : € 22.50/year
  • With Sobrio banking pack: € 7.90 per month

Gold/Premier Card

Premier visa

Gold Mastercard and Visa Premier cards are high -end bank cards. Compared to a conventional card, they notably offer Additional insurance and assistance, covering the card holder when traveling and traveling. Snow and mountain, repatriation, civil liability abroad, flight cancellation ..

Other advantage : much superior withdrawal and payment ceilings.

These cards are also available in delayed and immediate debit. The services being more numerous, the prices of the high -end SG (Société Générale) bank card are therefore also higher ..

Ceilings:

  • Withdrawals : up to € 6,100/7 days (€ 770 per day)
  • Payments: up to € 137,300/30 days

SG (Société Générale) prices of high -end cards:

  • Immediate and delayed flow: 135 €/year
  • With Sobrio banking pack: € 14.90 per month

Infinite visa card

Infinite visa

We cannot speak of a SG (ex Société Générale) bank card not to mention the black bank card: the Infinite visa. It is no longer a high -end bank card but a luxury bank card, much more elitist. This time, SG only offers a visa card, and not non -equivalent to Mastercard.

Thus, an infinite bank card notably allows you to benefit from a concierge service available 7 days a week and 24 hours a day, around the world. The card holder will also be able to take advantage of many privileges in hotels, large restaurants … and of course insurance and assistance already present in Gold and first cards. The payment and withdrawal ceilings are very high.

Ceilings:

  • Withdrawals : up to € 15,00/7 days
  • Payments: up to € 300,000/30 days

Obviously, a bank card of this ilk is paid for:

  • Immediate and delayed flow: € 330/year
  • With Sobrio banking pack: € 28.90 per month

Systematic authorization card

Evolution card: from 12 years old

Société Générale bank card

The Evolution card (up to recently, it was the V Pay card) is a much less elitist SG (Sociétoy) bank card is much less elitist. It is generally rather intended for young people or people in financial fragility. It is indeed a systematic authorization card, which means that the balance of the bank account is questioned with each transaction. Thus, it is impossible to be uncovered.

At SG, this card can be obtained from 12 years old.

This time, the SG (ex Société Générale) bank card is less expensive:

  • Immediate flow: 35 €/year
  • With Sobrio banking pack: € 7.20 per month

Cirrus Eclair Service Card: from 16 years old

This second system with systematic authorization works exactly like the V Pay card. The main difference is its accessibility: the Cirrus card can be granted from only 16 years old.

Regarding prices:

  • Immediate flow: 30 €/year
  • Not available with the bank pack

American Express cardsSociété Générale bank card

SG also offers American Express cards. This network is less common in France than Mastercard and Visa. However, the bank cards offered by LSG are here all high -end, even very high -end:

  • Green American Express card : no ceiling, delayed debit up to a month, insurance and assistance, loyalty program, invitation to private shopping evenings. 95 €/year.
  • Gold Card American Express : no ceiling, insurance and assistance, loyalty program, exclusive access to leisure. 185 €/year. If € 50,000 in annual gross income.
  • Platinum American Express : concierge, travel service, no ceiling, insurance and assistance. 590 €/year.

This type of SG (Societe Generale) bank card is not the most common.

SG bank card (ex Société Générale): can we have a joint account ?

SG (Société Générale) bank cards are also available as an attached account. Each holder to then have his own bank card. Besides, it is quite possible to have a Visa Classic card for the first holder, and another card for the second.

If the account is attached, the cards are strictly personal.

  • Two visa evolution: € 12.24/month
  • Two classic visa: € 13.43/month
  • Two first visa: € 25.33/month
  • Two infinite visa: € 49.13/month

Obtain your SG (ex Société Générale) bank card

The customer therefore chose the SG (Société Générale) bank card that he wishes to obtain. The easiest way to subscribe and open a SG (Société Générale) account is to fill out the subscription form.

Once the form is completed, the customer will be able to wait for the bank’s response. He will then have to sign an account agreement and provide some supporting documents such as an identity document and proof of address.

A minor can also obtain a SG bank card, but it is his legal representative who will have to take the steps in his place.

>> Also find our opinion SG (Société Générale)

Conclusion: What to think of the SG (ex Société Générale) bank card ?

The advantage of SG is that it offers a full range of bank card, with many options and features. The consumer is likely to find what he needs.

The drawback, on the other hand, is the price : there is no free bank card (except for minors), and the use of the card to make payments and withdrawals is paid.

�� Our advice: If it has been a long time since you have gone to banking agencies, and you do not need to advise, we advise you to opt for a online bank. These offer much cheaper cards, a good part of which is free abroad. For example :

  • Hello Bank! :: Free HELLO One Card, HEELLO High -end prime card at no cost abroad at € 5 per month >> See the offer
  • Orange Bank : free standard mastercard card, premium mastercard card at no cost abroad € 7.99 per month >> See the offer
  • Monabanq : From € 3 per month, all cards are without income conditions, including the Platinum visa >> See the offer

Written by Claire Krust – Updated on 03/14/2023
13 responses to “SG bank card (ex Société Générale) – Reviews, prices and services”
by Louis – April 12, 2022 Reply

hello the customer is assured in the event of fraud of the bank card even if this one makes a bad manipulation

by Joellyne de Captain Banque – April 12, 2022 Reply

Good morning,
Your bank can actually keep you rigor of fraud and block the insurance provided for this purpose if it judges that you are solely faulty (give your bank card and your code to a third party for example)
Sincerely, the Captain Banque team

by Franck – May 3, 2021 Reply

I am a SG customer . I plan to stay there with my many accounts but I no longer wish to have a Visa Gold Paid card which is duplicating with another equivalent card held free of addition . Is it possible to request the termination? THANKS

by Joellyne de Captain Banque – May 3, 2021 Reply

Indeed, no law requires holding a bank card associated with a current account.

Sincerely, the Captain Banque team.

by Muhamet – January 19, 2021 Reply

Can we subscribe to a Visa Classic Société Générale as a student but without a source of income ?

by Joellyne de Captain Banque – January 20, 2021 Reply

To get the answer to your question, we advise you to contact the Société Générale agency that interests you. Indeed, they are the only ones who can answer you with certainty.

Sincerely, the Captain Banque team.

by Catherine – January 17, 2021 Reply

Goodjou I wanted to change my bank card with the same options I will receive a collection Visa Première card I did not want to differ how to remove thank you

by Joellyne de Captain Banque – January 18, 2021 Reply

We are Captain Banque, online comparison. In order for your request to be effective, you must contact your banking advisor who will be able to do the necessary.

Sincerely, the Captain Banque team.

by Yannick – July 24, 2020 Reply

How is it possible to get your account hacked with a dynamic crypto card ?
We think we are secure and we end up with fraudulent samples from his account from Cyprus and Ru.

by Honore – June 19, 2020 Reply

I am interested in the luxury card of Société Générale which is the infinite visa card. I want this luxury card.

by Captain Banque – June 19, 2020 Reply

We invite you to request it to your Banking Advisor at Société Générale if you are a customer there, or by contacting 3933 to apply for an account opening.

Sincerely, the Captain Banque team.

by Sarr Joseph Mame Ngary – May 27, 2020 Reply

Hello I am a customer of the SGBS with a visa card that expired on 04/30/2020 and it is today that the SGBS de Rufisque tells me that you no longer put a visa card . I would like to know more .

by Captain Banque – May 28, 2020 Reply

We are Captain Banque, for more explanation you must join your bank advisor.

Sincerely, the Captain Banque team