CA’s many fans on this site, who regularly use the usually very useful Ma Banque app, may not yet have updated/upgraded to a new, improved version,that has only very recently been launched.
A word of warning. The new, improved etc app does not currently permit you to access your bank statements, CA correspondence eg on account charges, savings and investment performance etc. Under the current app, you can easily access such documents, read them and ‘clear’ them off.
I have queried this with my ever helpful CA Britline account manager who hopes there will be an upgrade in due course, as it’s not terribly practical - for those like me who prefer the app to the website - to have to use a laptop/the website simply to see standard account documents. What you see if you try, is the screen below!
A while back I was able to set up my own payees in the app (not that the payee once set up, ever worked on an actual transaction although their test tiny debit did, eventually, post). Then that functionality disappeared. It’s eventually come back, luckily for those who sign something, on paper only, which Credit Agricole once again has to send by post taking 2 weeks. But I have no idea if the returned functionality works now as I don’t have a day free to mess around with trying it again.
Thanks for the warning George1 that they’ve further downgraded it - I’ll try to refuse updates. But quite often they won’t allow the app to be used unless you update it - you log in and then it won’t let you do anything at all till you accept an update.
I despair of French banks as compared to others you hear about, Credit Ag isn’t that bad.
No problem here getting statements through the app, just rotate your phone as it requests. I have just tried it and as soon as I rotated the phone all my statements became available.
I’ve retried, encouraged by @digitracker 's “success” in being able to see his own bank statements etc. . To answer @JaneJones question, in my case absolutely nothing appears, regardless of what direction I turn my phone!. It does all seem rather absurd.
I’m at a slight loss to understand why a organisation would roll out an upgrade that is more of a downgrade, echoing @KarenLot. Surely you would pilot test changes to prevent exactly this type of issue cropping up.
I’m actually a fan of CA, generally receive excellent service etc, but I find this sort of thing just annoying.
I use my Mastercard for most expenditure which is deducted from my Credit Agricole bank account.
I’m slightly overdrawn on my CA current account and, as usual, top it up from my CA savings account, either by using the CA app or via CA’s website. But can’t! Each time I tried over the weekend and this morning, CA says I’m not allowed, gives an error code, and says to contact the branch bank. Bank closed today so sent an email with the error code. Waiting for an answer.
Anyone had this problem before – refusal to transfer money and an error code? All aspects of my account are UpToDate.
How much are you overdrawn? If it’s above your limit (which is very small) you could be in trouble. The French banking system doesn’t like its customers to go overdrawn and the Bank of France will step in and freeze an account. It’s very important you get to the bank tomorrow and find out what’s happening.
Less than 300 euros. But I wasn’t in the red last Friday when I tried to transfer monies to my current account, which would have been in credit if the transfer had been made.
Can’t. Bank closed today.
However, I checked my account a few minutes ago and the transfer has been made, and I’m out of the red! Don’t know what the bank error was about but I’m not at fault. The bank was at fault.
I see from the Connexion that Credit Agricole’s system for transferring money suffered a glitch last week over 2 days.
Hmm.. I try to check my CA accounts every morning but days can fly by …. anyway there’s been a banner across the top of the screen… saying that delays in transfers might occur and warning folk to be careful with their spending
Also noticed this was mentioned in the Press.
I think there’s a lesson for me to take on board… I must make sure to check my cashflow every day as I’ve a horror of going overdrawn
I’m glad you’re sorted. Thank you for the above snippet. It explains why a routine monthly transfer last week of my pension from the UK to CA took a ridiculous amount of time, compared to normal. Poor old Wise had to try continuously throughout a two day period to successfully transfer the amount.
What I’ve noticed that has changed on the desktop interface for CA is that I can now temporarily increase my virements ceiling to several thousand euros (useful for paying artisans) whereas a few weeks ago when I tried to do this, I couldn’t. On messaging the bank asking for the new limit to be set they told me I couldn’t do it without talking to/seeing them directly.
The reason I went into the red - when at the time last Friday, I knew I was not - two monthly standing orders, one for electricity and the other for income tax, pushed me over the top on Sunday.
The normal topping up transference, which isn’t often, couldn’t take place due to CA’s glitch, but no harm done thankfully.
My mistake! Money was not transferred. My UK state pension, a similar amount to the amount I wanted to transfer, arrived to put my account back into the black - I didn’t look at the detail!
But I’ve received an email from CA asking me to contact their ‘service des virements’ to resolve the problem, and given me a phone number to ring. Hope to have it all sorted tomorrow!
There are new regulations coming in to limit overdrafts to 200 Euros. Basically although banks have been operating a more relaxed policy of, if they know you, much larger découverts provided your account is back in order by the end of the same month, as of now or soon the Banque de France has put a stop to this.
Anything more than 200 eiros sounds as though it will basically require an individual check in detail, as to whether you’re good for it. Cue higher costs, as if banking costs for a very poor level of service and technology well behind providers I’ve had in the UK were not already far too high in France..
I am not sure whether this means you could go to your bank and formalise, say, a standing agreement that you could overdraw by 1,000 or 2,000 euros within any month you chose provided your overdraft was back to zero by month end, or not. My gut feeling is not - as there are very few actual credit cards in France and to me that says the banks or the Banque de France doesn’t want this ‘revolving’ type of credit much. This type of overdraft withoit formal application process is unsecured debt I suppose, too, same as credit cards.
I read it about 6 weeks ago can’t rememner where - may have been in Que Choisir but the limit truly is moving to 200 euros before far more onerois approval process now needed.
I doubt it as ISTR this is coming from the Banque de France as a fixed limit of 200 euros for the current informal way of handling overdrafts. It’s about bureaucracy required ISTR rather than judgment.
Judgment will now require what sounded awfully like a standard loan application process and probably as onerous on both sides.
I know it depends on the bank but it sounds as if there isn’t an automatic alert system to let you know you’re overdrawn or an automatic transfer system from your deposit account to your current account like I had in the UK?
Hmm.. I try to check my CA accounts every morning but days can fly by …. anyway there’s been a banner across the top of the screen… saying that delays in transfers might occur and warning folk to be careful with their spending 
