PREMIUM BAC. Most banks offer a bonus to new high school graduates. What gain? Which banks? Crédit Agricole, Caisse d’Epargne, CIC… We tell you everything.
[Mis à jour le 6 juillet 2022 à 08h07] For many years, banks have not hesitated to offer various bonuses to attract more and more young people into their nets. And an operation remains the perfect opportunity to win over a new audience: the baccalaureate! This year, in 2022, some banks are going so far as to offer an “entry gift” of 100 euros for a mention Very good, or prefer to opt for the voucher to secure the services of a new member when opening an account. Whether you have obtained a mention, AB, B or TB, or whether you have only obtained the baccalaureate with an overall average of 10/20, it is possible to claim a baccalaureate bonus. For some banks, the premiums are not the same from one region to another. To qualify, you will need to provide your transcript, have and/or open a savings account in the bank in question, the one that will satisfy you best. Generally, the higher the mention, the greater the bonus. A French bank is offering this year an exceptional bonus of 160 euros for a bachelor who has obtained the mention Very good. Why not you ?
Be aware that the bac aid distributed by banking establishments is not the only possible reward for young baccalaureate holders, merit aid also exists. It is granted to the most deserving scholarship students, it is a complement to the scholarship based on social criteria. It is thus intended for baccalaureate holders with modest incomes, who have obtained a Very Good mention in the baccalaureate and who wish to continue their studies. If your student social file (DSE) is accepted, you have no other steps to take. The rectorate directly sends the Crous the list of graduates who have obtained a Very Good honour. The Crous will inform you if you can benefit from this merit aid of an annual amount of 900 €. Also, some regions offer merit-based aid for graduates. Inquire with the region to find out the conditions of attribution, and the possible accumulation with the State merit aid.
Crédit Agricole is made up of several regional banks. Credit Agricole Lorraine was arguably one of the most generous banks last year. Crédit Agricole Lorraine, for example, opted for an offer in the form of a gift voucher (50 euros in Kadéos check, valid from July 6 to September 30). This year, the devices of the various regional funds were not revealed.
Caisse d’Epargne is also made up of several regional entities. The Grand Est fund does not offer a bac bonus as such, but an offer with different Youth formulas, for its customers aged 18 to 28, “depending on your daily needs”.
BNP Paribas offers an offer equivalent to that of Société Générale. The bonus was 80 euros for all graduates, regardless of the success of the graduate, for any opening of a bank account. “The 80 € will be paid within 3 months of the date of opening your deposit account”, could be read on the dedicated page of BNP Paribas last year. “In the absence of proof of obtaining the baccalaureate, the bonus of 80€ will not be granted and the standard Esprit Libre rate will be applied in accordance with the Guide to conditions and rates for individuals available in the agency”. This operation is valid until September 2, 2022.
This year, the CIC is particularly generous with the lucky ones! Until 160 euros bonus to high school students who have performed the most. A sum paid to graduates obtaining the mention “very good”. For a “fairly good” mention, the bonus is 40 euroand for a mention “good” 80 euros.
To benefit from it, you will have to open a savings account within the banking establishment. “Offer reserved for winners of the BAC 2022 from France having obtained a mention Fairly Good, Good or Very Good, valid until 09/30/2022 on presentation of the transcript”, can we read on the site. “Only one offer per winner. The sums will be paid into a savings account CIC opened or to be opened in the winner’s name. See conditions in the agency or on cic.fr”.
Société Générale offers bonuses ranging from 80 euros to 160 euros depending on the mention obtained. Bonuses are also attributed without mention, to the opening of a bank account of the Sobrio offer, which includes an account, a card and an insurance or Jazz. These options are available until September 17, 2022 upon presentation of the BAC diploma.
Like Crédit Agricole, Banque Populaire is made up of several regional entities. At the Banque Populaire Alsace Lorraine Champagne, for example, a welcome offer last year provided for the payment of a bonus depending on the grade obtained: Admitted (15 euros), Fairly good (25 euros), Good (50 euros) and Very good (100 euros).
To obtain a bonus for the baccalaureate, you must also turn to your municipality, region or department! Aid is indeed paid by some local authorities. HAS Montrouge for example, a grant of 800 euros is provided for high school graduates with honors and 400 euros for high school graduates. This aid can be used to acquire computer equipment, take a language course, pay registration fees for higher education or even finance a driving licence.
HAS Drancy, an aid of 50 euros is planned for the baccalaureate holders having obtained the honors enough, 100 euros for the honors and 150 euros for the honors. The city of Nice offers 150 euros for the most deserving baccalaureate holders.
The South region grants a bonus of 400 euros for non-scholarship holders and a scholarship of 400 euros for three years to scholarship holders. For the Pays de la Loire region, the aid amounts to 200 euros for non-scholarship holders and 400 euros for scholarship holders.
The Île-de-France Region is renewing the merit aid of 1,000 euros for the sixth year. It concerns graduates from the Ile-de-France who have obtained a very good mention in the 2022 baccalaureate, whose families have low incomes, who benefit from the student grant and who are continuing their studies in Île-de-France. “Once these conditions have been met, there is no procedure to take”, we explain on the dedicated page of the Region. “The Region will pay eligible students, through the Crous de Paris, the regional scholarship in the amount of 1,000 euros during the 2022-2023 academic year”.