Regulatory information

The content of this site is for information purposes only and may not be equated with a public offering, solicitation or canvassing on behalf of Banque Delubac & Cie.

Information on financial instruments

The information on this site regarding financial instruments or products is provided for information purposes only and should not be construed as solicitation or investment advice.  

Before carrying out any investment, we strongly recommend that you check with your usual adviser on the proposed instrument, its risks to your personal situation and make sure you understand the risks associated with it.

We would like to remind you that financial products may fluctuate, with a risk of capital loss.
Each client must tailor their investment to suit their skills, objectives and financial resources.

Past performance of a financial instrument does not provide information regarding future performance.

The information provided on our website is not destined to list, in an exhaustive manner, the risks that the client may face by benefiting from an investment service provided by Banque Delubac & Cie. 

Best execution policy

Banque Delubac & Cie has an obligation to act in the best interests of its clients and must therefore take all sufficient measures to obtain the best possible result when executing orders or transmitting them for execution.

In this context, a best selection / execution policy has been developed.

Information on the execution venues and brokers used by Banque Delubac & Cie (MIFID II - RTS 28)

In accordance with MiFID II Directive 2014/65 / EU, Banque Delubac & Cie shall publish information annually on the identity of the top 5 execution platforms and the top 5 executing brokers selected.

For each category of financial instruments, Banque Delubac & Cie presents the ranking of the main brokers to whom orders from its clients have been sent for execution during the previous year.

Policy for the management and prevention of conflicts of interest

Banque Delubac & Cie is likely to be confronted with potential conflicts of interest which may arise during the provision of investment services and / or related services.

These are situations where the interests of one client may conflict with those of another client or those of Banque Delubac & Cie. This document sets out the policy for managing conflicts of interest that may arise in the exercise of the bank's activities.

Warning for non-residents (residents outside France)

Access to the information on this site may be subject to restrictions with regard to certain persons or in certain countries. It is your responsibility before any subscription of a product to check with your usual advisers that your legal and tax status allows you to subscribe to products and services.

AERAS Convention

Insure yourself and borrow with an increased health risk.

The purpose of the AERAS convention is to propose solutions that facilitate access to insurance for people who have or have had a serious health problem when taking out a loan.

> For any question, please contact your account manager.

> The AERAS representative of Banque & Cie can be contacted on +33 1 44 95 49 55.

Banking mobility

For useful information regarding bank mobility, please consult the following guide:

Financial sector glossary

To help you understand the most commonly used banking and financial terms, please consult the glossaries of the Financial Sector Advisory Committee by clicking on the following link:

These glossaries, established for educational purposes, have no legal or contractual effect. Only the terms and conditions of the contractual documents issued by Banque Delubac & Cie bind the bank and its clients.

Access to banking services

Any natural or legal person domiciled in France, without a bank account, and to whom one or more bank(s) have refused to open an account, has the right to ask Banque de France to designate a bank to open the account. For more information on the right to access a bank account, please consult the following guide:

Client in financial fragility

Support to clients experiencing financial fragility

Banque Delubac & Cie is committed to supporting people experiencing financial fragility.

If you are experiencing financial fragility, know that the law has made provisions for a specific banking offer for individual clients who do not act for their professional interests.

What is the offer for clients experiencing financial fragility?

The specific banking offer allows clients to benefit from our automatic fee capping solution as well as a range of banking products and services.

Who is entitled to benefit from this specific offer?

Clients who find themselves in the following situations are recognised by Banque Delubac & Cie as experiencing financial fragility:

  • Over-indebtedness file in progress,
  • Registration for three consecutive months in the Central Cheque Register (FCC) on account of an unpaid cheque or credit card withdrawal,
  • Accumulation of 5 payment irregularities or incidents in the same month,
  • Accumulation of 4 or more account operating irregularities over 3 consecutive months.

The bank may also assess financial fragility using criteria based on income, payment incidents and repeated irregularities.

What is in the offer?

If one of the following criteria applies to you, Banque Delubac & Cie will offer you the specific offer[1] applicable to people experiencing financial fragility, namely:

  • Keeping, closing and even opening a deposit account;
  • The provision of a payment card with systematic authorisation which also allows payments and withdrawals;
  • The possibility to make payments by bank transfers (maximum 4 per month) or SEPA direct debits;
  • The possibility to ask for 2 bank cheques per month;
  • Consulting your account balance remotely through our digital banking solution;
  • Capping of bank charges to regularise incidents (intervention commissions): a maximum of 4 euros per transaction and 20 euros per month [2];

[1] The amount of the specific offer is €3/month.
[2] For fragile clients who have not accepted the specific offer, the monthly ceiling for incident costs is set at €25 per month.

If you are experiencing financial hardship and your customer adviser has not suggested this offer to you, please feel free to contact him or her to find the solution that best suits your situation.

The Deposit Guarantee and Resolution Fund

The Deposit Guarantee and Resolution Fund (FGDR), created by the Act of 25 June 1999, is responsible for protecting and compensating clients in the event of failure of their banking establishment.

The Deposit Guarantee covers deposit accounts and savings accounts up to the value of €100,000 (excluding state-guaranteed savings accounts). The Securities Guarantee covers all financial instruments up to the value of €70,000. The Performance Bonds Guarantee covers the regulatory commitments made by professionals for their clients.

The FGDR can also intervene in crisis resolution before bankruptcy, to avoid consequences for clients.

To find out more, consult the FGDR's fact sheet and the website