BNP Paribas is a bank that forms the foundation of French banking. Furthermore, it works hard to build a solid reputation and manages to stick it out through the toughest times. Also, with the help of the French government, the bank manages to brace the storms and still carry on to provide its millions of customers with the products and services they need.

When it comes to banking, there are different approaches across the world. Instead of foregoing the traditional structures entirely, the bank manages to create a perfectly balanced between traditional and modern. In conclusion, this provides clients with all the financial tools they may need.

History of BNP Paribas

BNP Paribas
Screenshot of the History of BNP Paribas

The earliest roots of the bank go back as far as 1822 at the birth of the industrial revolution. Furthermore, the bank was founded by the Société Générale de Belgique which was the forerunner of the BNP Paribas Fortis. Although the bank was established in Brussels, the branching out into France happened in 1848. Also, a few years after this, the Franco-British treaty was signed. The bank also established operations in Shanghai and Calcutta in 1860.

In 1872 Banque Paris et des Pays-Bas (Paribas) established itself. Shortly after in 1889, the bank survived a stock market collapse. Furthermore, by 1898, three banks arranged finance for the largest public works construction sites. These three banks later made up BNP Paribas.

Economic situations continued to fluctuate but nothing prepared the world quite for what was to follow. Also, WWI was one of those events that left no bank or economy unscathed, even if just a little. BNP Paribas was one of these banks. Furthermore, it lent its help long after the war to try and strengthen the economy. WWII was short on its heels. BNP Paribas managed to leverage its knowledge of industry to try and restore France and other parts of Europe. It also managed to help French countries abroad.

Mid 1900s

From the fifties, banking started to change as different products made their appearance. This continued throughout the sixties and managed to set the tone for modern-day banking. It was also during this period where banking was more retail than corporate and the products changed to reflect this. The bank enjoyed a larger footprint and was gaining traction from branches across the world, including Africa. Modern banking includes the dematerialization of currency through electronic banking channels.

Customers do more and more of their transactions online and the need for a physical branch becomes less. The bank provides various platforms designed to ease banking.

Access to BNP Paribas  

Online Banking

Online banking is a breeze as BNP Paribas has a simple, yet effective online platform. Many of the products and services are offered through mobile banking.


BNP Paribas
Screenshot of BNP Paribas Locations

There are over 2,200 branches globally. Also, the bank has locations in the following countries:

North and South America
  • Argentina, Brazil, Canada, Chile, Colombia, and Guadeloupe
  • French Guiana, Martinique, Mexico, USA, and Venezuela
  • Austria, Belgium, Bulgaria, Croatia, and the Czech Republic
  • Denmark, France, Finland, Germany, and Hungary
  • Ireland, Italy, Jersey, Luxembourg, and Norway
  • Netherlands, Poland, Portugal, Romania, and Russia
  • Serbia, Slovakia, Spain, Sweden, and Switzerland
  • Turkey, Ukraine, and the United Kingdom
  • Algeria, Burkina Faso, Reunion Island, Gabon, and Guinea
  • Ivory Coast, Mali, Morocco, Senegal, South Africa, and Tunisia
Middle East
  • Bahrain, Israel, Kuwait, Qatar, Saudi Arabia, and the United Arab Emirates
Asia Pacific
  • Australia, China, Hong Kong, India, and Indonesia
  • Japan, Malaysia, New Caledonia, New Zealand, and the Philippines
  • Singapore, South Korea, Taiwan, Thailand, and Vietnam

BNP Paribas Individual Product Offerings

BNP Paribas
Screenshot of Retail Banking BNP Paribas

Transactional Accounts

Discover the full review on the transactional accounts in a recent review done on this bank. 

Savings and Livret Accounts

The bank offers a comprehensive range of savings accounts. Find out whether this is enough to guarantee them a perfect score.


Stock Exchange

Dedicated Accounts

Financial Instruments Account

Customers will have access to a wide range of securities. Also, there is no limit or taxable holding period.

Equity Savings Plan

The opportunity for customers to diversify their portfolio.

SMB-Equity Savings Plan

Customers have the option to invest in small and medium businesses.

Adapted Stock Market Profiles

Bourse Essentiel

Customers have access to adapted offers with reduced fees in order to invest at their own pace. Also, the investments start at €7.30 per order.

Bourse Start

This option is suitable for those who invest four orders or more per year. Furthermore, customers will benefit from reduced fees.

Bourse Active

Customers will benefit from reduced fees. Furthermore, this option is suitable for investors who do more than eight orders per year. Also, customers will benefit from no safe custody fees.

Warrants and Certificates

Warrant Offer

The chance for customers to expand or hedge their portfolios. Furthermore, this is done by investing in asset increases or decreases through a range of leverage warrants.

Certificate Offer

A means to invest in three lines: leverage, return, and index. Also, these will meet any profile type.

Investment Club

This type of investment allows individuals to save a low amount each moth. Furthermore, this takes place in a collective portfolio. The risk is far lower than in ordinary stock investments and grants the investor the opportunity to learn the ropes.

  • A duration of 10 years maximum
  • Also, enter and leave free of charge
  • 5 to 20 members
  • Furthermore, regular payouts never exceeding an annual total of 5,500 euros per member. Also, this can be limited to the tax threshold
  • Finally, An account opened through a financial intermediary and more.

Investment Funds

There are a variety of investment options to choose from. Customers will benefit from a wide selection of funds. There are also funds available by management type. Furthermore, customers can make use of programmed savings and real estate investments. Discover what the full review of this product entails with the BNP Paribas Investments review.

Personal Loans

We recently did a full review on the personal loans offered by the bank.



Discover the full range of insurance products in this review.


Priority Banking

This is an optional membership for clients who wish to have a few added extras to make their banking experience more unique. Customers will enjoy preferential rates and features on their various products and services.

Private Banking

A service and product offering for those with a high net-worth. This type of banking provides access to a personal relationship banker who will assist with savings, investments, and lending needs.

BNP Paribas Professional Product Offerings

BNP Paribas
Screenshot of Professional Banking BNP Paribas

Current Accounts

Current accounts that are tailored to the needs of professionals. These accounts are linked to specialized services and products that will allow professionals to go through their daily lives without hassle.

Savings and Investments

Term Deposits

Investments at a fixed term with a guaranteed return.

OPC Cash

A cash management solution for professionals.

Solutions of Associates

Savings for associates who wish to meet certain financial goals.

Optimum Agri

This account is dedicated to CAP aid.

Medium-Term Negotiables and Certificates of Deposit

Negotiable instruments to make business dealings more efficient.

Amplissim Pee

A tax-free savings solution through the Company Savings Plan.

Incentive Savings

This is a great solution for employees as it motivates them to save. Furthermore, this builds trust with the employer.

Retirement Solutions

Savings Plan Act Madelin Retirement

Customers who are non-agricultural professionals and self-employed will benefit from this savings plan.

Retirement Savings Plan for Farmers

A product that provides income for life an annuity at retirement.

Amplissim Perico

The opportunity to build up savings with the help of the company.

Loans and Finance

Creation Project

Future business owners who need finance to fund their upcoming projects can submit a proposal to the bank for vetting.

Short-Term Financing

Easy Cash Flexilia

A cash flow solution that allows an offset for a few days a month.


A solution for professionals and entrepreneurs who deal with prominent clients.

Countryside Credit

A credit solution for those who receive an income during certain seasons.


The optimal options for cash offsets.


A solution for those who wish to have access to their trade effects.

Investment Financing

Pro Credit Line

A fast and efficient way to finance property investments.


Suitable for all types of investment funding.

Energy Transition

Funding to help businesses reduce their energy bills.

Colorato Repeat

Credit to fund the direct takeover of a company.

Colorato Transmission

Credit to fund the purchase of a business by a holding company.

Credit Silo

Finance that creates a budget for current investments.

Ready to fixed Rate on Housing EIB

A loan that helps with projects for the improvement of the European Union.

Supply Creating

Assistance with business projects.

Pre Crea

A financing offer for new entrepreneurs.

Specific Funding

Funding solutions for farmers and health professionals.

Rental Options


With a purchase option to finance new business equipment.

Leasing Real Estate

Funding for business premises.

Rental with Purchase Option

Passenger or new light commercial vehicles for rent with the option to buy.

Leasing Arval

An option to hire company vehicles.

Auto Select

A variety of vehicles to suit the needs of the customers.


Various insurances to cover all aspects of risk.

BNP Paribas Enterprise Product Offerings

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Enterprise Banking BNP Paribas Home


These include a multitude of products. Furthermore, they can be broken down into different categories.

  • Daily Activity
  • Equipment
  • Also Issuing of Sureties and
  • Interest Rate Hedge


  • Term Deposit
  • Certificate of Deposit
  • Also Treasury Management Mandate and
  • Automatic Cash Management

Incoming and Outgoing Payments

  • International Business
  • Development Abroad and
  • International Flows

Other Options

  • Engineering Capital
  • Real Estate Options
  • Also Savings and Retirement Planning and
  • Insurance

Review of BNP Paribas

Customer Satisfaction Reviews

BNP Paribas
Screenshot of Ranking by Euromoney

There aren’t many ratings out there for BNP Paribas. Also, we were unable to trace customer satisfaction ratings of any kind. Furthermore, there are very few ratings about the bank in the industry. The one we managed to find, was from Euromoney, which rated the bank as the best bank in the world.

Financial Stability Rating

Fitch rated the bank as outlook stable and gave the bank A+. Furthermore, Moodys also rates the bank stable.

Security of Funds

The bank conforms to the security of deposit rulings for the specific country it operates in.

Review by Critical Reviews – 10 of 10

The bank provides a solid foundation for customers from all walks of life. It’s committed to good service and also uses sound financial avenues where funding is considered. It has shown resilience in terms of financial crisis. Also, it helped rebuild France and other parts of Europe after both world wars. Furthermore, it is one of the few banks who felt it necessary to repay the bailout funds. Finally, the bank managed to keep its nose clean during tough times.

The platform is simple to use. Furthermore, customers will find it difficult to find a bank anywhere in the world that will satisfy their needs like this one. Also, it ticks all our boxes despite the lack of feedback from customers. All the information customers may require is at their fingertips.