The Sobrio offer: Detail offers and our opinion on the Société Générale pack

�� Withdrawal in euro zone: ✔️ Free and unlimited

Sobrio

An account, a card, insurance.
No need to read between the lines, you know what you pay.

With Sobrio (1), benefit from a banking offer with essential services and choose, according to your needs, additional services.

The essentials Sobrio

Your essential banking services included.

My payment card

Maps and services adapted to your needs.

• Banking cards CB Visa Evolution, CB Visa, CB Visa Premier, CB Visa Infinite, CB Mastercard and CB Gold Mastercard: among our wide range of cards (2) Find the one suitable for you best !
• The choice and reissue of your secret code are free.
• In the event of loss or flight, replacing your bank card is also free.

My daily insurance (3)

Stolen bank card, broken down washing machine… with my daily insurance, you are covered in case of glitch.

• Flight insurance and loss of keys, papers, fraudulent use of means of payment.
• 2 -year manufacturer’s warranty extension.

My account in short

Flash statement and anticipation of exceeding: your bank account gives you new.

• With the flash statement, receive on your mobile phone the weekly weather bulletin from your account (account balance and operations under processing, etc.).
• With the anticipation of exceeding, be prevented before reaching the payment ceiling of your card or your authorized overdraft: this avoids unpleasant surprises.

Zero account holding costs

This goes without saying, but with the Sobrio offer, you don’t pay any bank account holding costs.
Excluding Sobrio, these costs amount to € 2.25 per month.
Enjoy Sobrio
from € 7.20 /month

The little plus sobrio

Take advantage of 2 additional features included in your Sobrio offer to easily manage your accounts and documents.

One screen
For all your accounts

You hold accounts in other banks ? With the aggregation of accounts, consult their sales and the latest operations at a glance.

One space
For all your documents

Do not find out, find. Electricity, internet, mobile phone: with the aggregation of documents, your invoices and other documents are on your customer area, automatically collected.

À la carte services

Your complementary banking services at preferential rates.
Collection cards option

Personalize your card: Choose a visual that you look like or take advantage of services related to your interests.

Model with visual and services: € 20.80 /year
Instead of € 26/year without Sobrio
Model with visual: € 11.20 /year
Instead of 14 €/year without Sobrio
Dynamic crypto option

Innovative solution against fraud, the dynamic crypto option more secures your online purchases and keeps hackers remotely.

Instead of 12 €/year without Sobrio
International option

To travel abroad at a lower cost, discover the different levels of this option and choose the one you will take with you.

Unlimited DAB withdrawal

No jealousy between us, withdraw money at no cost (4) each time you go to distributors from all the other banks in the euro zone (5) .

Instead of € 2/month without Sobrio
Agios exemption package (6)
With this service, avoid overdraft costs and gain in serenity.
Instead of € 2.50/month without Sobrio
You want to take advantage of Sobrio ?

If we summarize,

Sobrio is an offer
without additives or sweetening:

• Essential banking services included
• Additional services that you select according to your needs
• Savings on your banking services
• Freedom: you change and solve your Sobrio offer when you want

(1) Sobrio is a group offer of banking and non -banking services accessible from 15 years old. After the reduction period, sobrio tariff conditions according to age and type of card subscribed, indicated in the brochure “Tariff conditions applied to banking – individuals” available in agency and individuals.SG.Fr.
(2) Subject to acceptance by the bank. For 15 -year -old members, only the Visa Evolution CB card can be taken out. For members of 16-17 years, only CB Visa Evolution, CB Visa or CB Mastercard with immediate debit can be taken out (in these two cases, the authorization of the legal representative (s) is required )). (3) My daily insurance is a contract for collective insurance for optional membership damages taken out by Société Générale with SOGESSUR. Company regulated by the Insurance Code. This contract is presented by Société Générale whose head office is located 29, boulevard Haussmann 75009 Paris, in its capacity as an insurance intermediary, ORIAS registration n ° 07 022 493 (ORIAS.Fr). This offer is valid in mainland France and subject to eligibility conditions. Guaranteed events, conditions, limits and exclusions of guarantee appear in the contract.
(4) Eligible cards: CB Visa Evolution, CB Visa and CB Mastercard. For these last two, without the service, 3 withdrawals excluding DAB SG per month are free.
(5) Country of the euro zone: Germany, Austria, Belgium, Cyprus, Spain, Estonia, Finland, France, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia.
(6) Reserved for adults. Within the limits of contractual provisions, in particular the amount of your cash facility. Agios exemption package equivalent to the use of cash facility of € 1,000 for 7 consecutive days or not per calendar month. Beyond this package, agios are your responsibility under the contractual conditions. They are calculated daily and taken quarterly.
(7) Advisers answer you from 8 a.m. to 10 p.m. on weekdays and until 8 p.m. Saturday, excluding holidays. From abroad: +33 (0) 810 01 3955 ->

The Sobrio offer: Detail offers and our opinion on the Société Générale pack

Sobrio is the entry -level offer from Société Générale. It includes an AISNI current account that a bank card from € 7.20 per month. The Sobrio offer is mainly aimed at young customers since its price is declining for those under 30. The most of Société Générale Sobrio, no account holding fees ! Look at Sobrio from Société Générale.

(Visa Evolution)
has

Société Générale: € 80 offered + Sobrio € 1 for 12 months for a Visa or Visa Premier card !

Until December 31, 2023, benefit from € 80 offered + Sobrio € 1/month for 12 months for a first visa or visa card for opening an account !

The premium consists of:

• 80 € offered For a very first online opening of a SG current account Before December 31
• The Sobrio offer at € 1/month for 12 months

Google Play: ⭐ 4.6/5
Apple Store: ⭐ 4.7/5

✔️ Personalized service in agency
✔️ CB insurance available
✔️ card without income condition
✔️ Decreased prices for the youngest
✔️ Optional services: cryptocurrency, international ..

❌ High contribution
❌ No Google Pay mobile payment
❌ High foreign costs

Updated data September 2023

�� Sobrio, the Société Générale Génération Banking Pack

The Sobrio Société Générale offer displays its objective in its slogan: “Without additive or sweetening”. With this new pack which replaces the jazz offer, Société Générale offers a decrease in its prices, in particular the subscription.

Sobrio offers a pack with essential banking services that it is possible to supplement with “à la carte” options. The offer allows you to save money, while keeping in flexibility. It is possible to modify and terminate the contract at any time.

The offer Sobrio Société Générale is also distinguished by his lack of account holding fees, Normally billed € 2.25 per month outside the Sobrio offer.

➕ Additional options in the Sobrio offer

The collection cards option

It is possible to Personalize the bank card with a visual For € 11.20/year or personalize the visual as much as the services related to interest centers for € 20.80 per year.

The dynamic crypto option

This innovative solution against fraud makes it possible to more secure online purchases, without resorting to the virtual credit card. The card cryptogram – the 3 digits on the back requested for online payments – changes every hour.

It is offered free of charge with the infinite visa card or from € 6.90/month For other cards.

The international option

The international option with Sobrio allows you to be Exempt from Société Générale commissions On payments, withdrawals by bank card and international transfers outside the euro zone.

It can be taken out for a single trip and be terminated at any time. There is no withdrawal or payment ceiling. The international option offers 4 levels:

1. Initial : to spend a few days abroad and a reduced number of purchases and/or withdrawals with the bank card on site.
2. Intense : for several days or often abroad and the frequent use of the bank card to make purchases or withdrawals.
3. Unlimited : for an installation abroad and the need to make or receive transfers on site.
4. Students : For students between 16 and 29 years old with the need for an unlimited package to make payments and withdrawals abroad.

The unlimited DAB withdrawal

To withdraw money at no cost from all distributors of all other banks in the euro zone in less than 2 €/month.

Agios’ exemption package

To avoid overdraft costs at € 2 per month. No debtor interest in the event of the user of the loweron lower or equivalent to € 1,000 for 7 days.

�� SOBRIO Société Générale services and prices

Like many banks, Société Générale offers its customers a pack offer on their bank account and the main essential services. Initially called Jazz Société Générale, this pack was renamed in April 2019 Sobrio. If we compare Sobrio vs jazz, The real notable difference is a much lower cost. Sobrio Société Générale is offered from € 7.20 per month, but prices are decreasing for those under 30 ! If you are between 18 and 24 years old, the Sobrio offer is available for only € 3 per month, with the same advantages !

The Sobrio rate includes the following essential services : Supply of a card of your choice (Visa or Mastercard network), average payments of payments, account statements, and the management functions of the online account.

The Sobrio Société Générale card

The offer Société Générale Sobrio Offers a wide choice of Visa or MasterCard payment card and covers the whole range, from the Evolution card to the Carte Noire via the first visa of Société Générale.

The choice of the secret code number of the Sobrio card is free, as replacing each of these cards in the event of loss or flight. It is possible to choose immediate or delayed flow.

Sobrio Classic
€ 7.90/month

Also available: standard mastercard

☑️ Current costs:

�� Account holding costs: ✔️ Included

�� Inactive account holding costs: �� NC

☑️ Fraits abroad:

�� Withdrawal in euro zone: ✔️ 3 free withdrawals/month excluding Dab SOGE beyond 1 €/withdrawal

�� Withdrawal outside the euro zone: 3 € + 2.70%

✈️ Payments abroad: 1 € + 2.70%

☑️ Fees on payment incidents:

��️ Intervention committee: 8 €/operation – max 80 €/month

�� Authorized discovered: ✔️ Available on request

�� Unauthorized discovered: ✔️ Subject to the bank’s acceptance

☑️ Fresh on transfers:

�� Instant transfer: 0.80 €/Transfer

�� SEPA transfer: ✔️ Free

�� International transfer: from 9 €

☑️ Insurance guarantees:

• �� Death / Disability Guarantee

☑️ Assistance guarantees:

• �� Medical repatriation
• �� Hospitalization abroad
• �� Replacement driver
• �� Too bad or theft of the rental vehicle
• ⚖️ Legal aid abroad

☑️ Other services:

Sobrio Premier
€ 14.90/month

Make this card
Also available: Mastercard Gold

☑️ Current costs:

�� Account holding costs: ✔️ Included

�� Inactive account holding costs: �� NC

☑️ Fraits abroad:

�� Withdrawal in euro zone: ✔️ Free and unlimited

�� Withdrawal outside the euro zone: 3 € + 2.70%

✈️ Payments abroad: 1 € + 2.70%

☑️ Fees on payment incidents:

��️ Intervention committee: 8 €/operation – max 80 €/month

�� Authorized discovered: ✔️ Available on request

�� Unauthorized discovered: ✔️ Subject to the bank’s acceptance

☑️ Fresh on transfers:

�� Instant transfer: 0.80 €/Transfer

�� SEPA transfer: ✔️ Free

�� International transfer: from 9 €

☑️ Insurance guarantees:

• �� Death / Disability Guarantee
• �� Transport delay guarantee
• �� Luggage delay guarantee
• �� Loss or Luggage Luggage Guarantee
• �� Civil liability guarantee abroad
• �� Rental vehicle warranty
• ��️ Interruption/travel cancellation guarantee
• ❄️ Snow and mountain guarantee

☑️ Assistance guarantees:

• �� Medical repatriation
• �� Hospitalization abroad
• �� Replacement driver
• �� Too bad or theft of the rental vehicle
• ⚖️ Legal aid abroad

☑️ Other services:

• �� Cashback
• �� Average payment insurance and personal effects
• ��️ Purchasing insurance
• �� Ticket protection

Sobrio Infinite
€ 29.50/month

Also available: Mastercard Elite

☑️ Current costs:

�� Account holding costs: ✔️ Included

�� Inactive account holding costs: �� NC

☑️ Fraits abroad:

�� Withdrawal in euro zone: ✔️ Free and unlimited

�� Withdrawal outside the euro zone: 3 € + 2%

✈️ Payments abroad: 1 € + 2%

☑️ Fees on payment incidents:

��️ Intervention committee: 8 €/operation – max 80 €/month

�� Authorized discovered: ✔️ Available on request

�� Unauthorized discovered: ✔️ Subject to the bank’s acceptance

☑️ Fresh on transfers:

�� Instant transfer: 0.80 €/Transfer

�� SEPA transfer: ✔️ Free

�� International transfer: from 9 €

☑️ Insurance guarantees:

• �� Death / Disability Guarantee
• �� Transport delay guarantee
• �� Luggage delay guarantee
• �� Loss or Luggage Luggage Guarantee
• �� Civil liability guarantee abroad
• �� Rental vehicle warranty
• ��️ Interruption/travel cancellation guarantee
• ❄️ Snow and mountain guarantee

☑️ Assistance guarantees:

• �� Medical repatriation
• �� Hospitalization abroad
• �� Replacement driver
• �� Too bad or theft of the rental vehicle
• ⚖️ Legal aid abroad

☑️ Other services:

• �� Smart Delay
• �� Concierge service
• �� Infinite Visa Club Advantages
• �� Average payment insurance and personal effects

Updated data September 2023

Sobrio insurance means of payment

The means of means of payment which costs independently 24 € per year is included for free in the offer Sobrio Société Générale. This insurance covers 5 guarantees:

✔️ Financial security : In the event of fraudulent use of means of payment and withdrawal – following a loss or a flight – the compensation of the claim can go up to € 6,000 per claim and per year.

✔️ Key and papers safety : In the event of loss or theft of keys and papers, compensation can go up to € 500 for keys and € 150 for papers, per claim and per year.

✔️ Making manufacturer’s warranty extension : Extension of the manufacturer’s warranty in the event of failure of appliances, IT, Hi-Fi and/or video purchased new with a means of payment from Sobrio, with a compensation ceiling of € 5,000 per claim and per year.

✔️ Specific Specific Safety : Species withdrawn for less than 48 hours and stolen following assault, discomfort, or traffic accident can be reimbursed (ceilings apply).

✔️Mobile phone security : In the event of communications carried out fraudulently within 48 hours of the flight of the mobile phone and before the opposition of the SIM card, reimbursement of the amount with a compensation ceiling of € 500, per claim and per year.

Flash statement

Another advantage of Sobrio Société Générale: the flash statement. THE flash survey Send the account situation every week by SMS. The notification is customizable and avoids having to connect too often to your personal space.

• What the flash statement includes ?
• L’Evolution of the balance Since the last statement;
• THE number and amount of operations being processed ;
• THE latest operations recorded;
• L’in progress – the operations not debited – of the bank card if it is with delayed flow.

Anticipation of overtaking

When the Customer has reached 80 % of the amount of his payment ceiling or his authorized overdraft, he receives a notification to avoid him reaching the blocking threshold of the card or rejection of samples.

Account management features

THE SOBRIO SOBRIO or SOBRIO DUO pack offers two additional services to facilitate the management of accounts and documents; Both are included in the monthly contribution to Sobrio.

✔️ Only one screen for all accounts :: Sobrio proposes an aggregator of accounts which allows you to consult accounts of different banks gathered on a single screen.

✔️ Only one space for all documents :: The Document Aggregator groups your documents such as telephone, electricity, internet invoices

�� The Société Générale Sobrio offer: our opinion

• Choice between 3 cards
• No account holding fees
• Efficient mobile application
• Daily insurance included
• Decreasing prices for those under 30
• Services in interesting options at preferential rates (cryptocurrency, agios exemption)

• Higher price than online banks
• Costs on operations abroad

The offer Sobrio Société Générale allows the bank to progress in the classification of comparable offers, by offering a Complete package for a reasonable price, according to the. Of the general opinion, if we compare Sobrio and jazz, The price of the new package is more attractive and the more judicious options.

Ultimately, the formulas Société Générale Sobrio exempt banking offers both suitable for students and active people and regular travelers. Customers of a Sobrio account have the advantage of having Complete payments of payments, of the insurance and assistance on a daily basis as on trips abroad. Finally, although the price of Sobrio bank cards is less competitive than online banks, Société Générale has the advantage of being able to Get in touch with a physical agency advisor.

Sobrio or classic Société Générale offer ? Be careful to check that all the options included in the pack will be very useful to you; If this is not the case, our opinion is to open a general society account excluding package, which will be cheaper.

⚖️ Do you have to choose Kapsul or Sobrio ?

Société Générale offers two types of offers: Sobrio and Kapsul. Some of their characteristics are identical. For example, Kapsul and Sobrio are aligned with their Reducting and payment costs outside the euro zone.

The kapsul package has the advantage of displaying a low price but offers fewer services than sobrio offers: for main card use, we can prefer to opt for Sobrio.

Kapsul card
2 €/month

✔️ No income condition
✔️ Cashback
✔️ Chat available 24/7
✔️ no account holding fees

❌ Bank card with paid systematic authorization
❌ Without authorized overdraft
❌ Banking consulting service not included
❌ High foreign costs
❌ No insurance
❌ Limited payment and withdrawal ceilings

Sobrio Classic
€ 7.90/month

Also available: standard mastercard

✔️ Personalized service in agency
✔️ Basic insurance abroad + average payment insurance
✔️ card without income condition
✔️ Decreased prices for the youngest
✔️ Optional services at preferential rates: crypto dynamics, international.

❌ High contribution
❌ High foreign costs
❌ Google Pay mobile payment
❌ Limited payment and withdrawal ceilings
❌ Intervention committee

Updated data September 2023