Much on the Côte d'Azur works fine with a foreign phone and bank account. But some things are much easier with a French number or bank details. Here is what we have learned.
A French mobile number
Why? Doctors, tradespeople, online portals and delivery services send codes and appointments by text – often only to French numbers. Neighbours and contractors also prefer to call an 06 or 07 number.
- All the major networks (Orange, SFR, Bouygues, Free) offer low-cost plans with no minimum term
- For a second number, basic plans from around €2 a month are enough (e.g. at Free Mobile) – simply as a second SIM or eSIM in your phone
- You need ID and usually bank details. A foreign IBAN within the SEPA area is generally accepted
A French bank account
The myth: “Nothing works without a French account.” Not quite. Under EU law, French companies must accept direct debits from any bank in the SEPA area. If a utility rejects your foreign IBAN, you are entitled to insist.
Still useful if you are here regularly:
- You can pay tradespeople, gardeners and pool services by transfer without questions
- For a mortgage with a French bank, an account there is required anyway
- For deposits, clubs or school canteens, a French account is simply more convenient
The options:
- Traditional banks (e.g. regional mutual banks or large high-street banks) open accounts for non-residents. You usually need an appointment, ID, proof of address and sometimes the purchase deed
- Online banks with a French IBAN are cheap but often require French tax residence. Read the conditions before applying
- If every bank refuses, the Banque de France can enforce the right to a basic account (droit au compte)
Télépéage – no more queuing at the toll booth
The A8 between Nice, Cannes and Fréjus is a toll motorway. With a badge de télépéage on your windscreen you drive through the orange “t” lanes without stopping. Billing is monthly.
Myths that aren't true:
- “You need a French account.” – Several providers accept a foreign IBAN
- “The tag only works on one motorway.” – It works on all French motorways, and some tags also in Spain, Portugal and Italy
- “Only worth it for frequent drivers.” – Many providers have plans where you only pay in months you use it – ideal for second-home owners
Our tip: order the tag online before you travel, so it is waiting in your letterbox when you arrive.
More tips for getting started: The first 30 days after buying.
All information without guarantee, as of November 2026. It is for general guidance only and does not replace legal or tax advice.
