Credit Agricole - problems with new,improved Ma Banque app

I don’t know if it’s different for the élite in France but I’d suspect the main system of alert is that your card stops working. Not even sure you’d get a message sent.

Perhaps others on here actually know this. But as you can gather my.expectations of F banking vary from a few degrees above zero to below freezing point.

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As I’m not the élite, I wouldn’t know. :smiley:

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Can’t sort it out today! I rang CA’s ‘service de virements’ and could not understand what a very fast talking hurried sort of person was saying, except that the problem may be a security problem, that my IP address is not being recognised by CA’s website. Is that possible?

I have made an appointment with my local bank for the 10th Dec, earliest available, regarding ‘Accounts and payment methods - Transactions online’. Problem is that before then a standing order for insurance payment is due, which will put me in the red again. To mitigate that I could withdraw that amount from an ATM with my UK HSBC card and deposit that amount at the branch bank. What a palaver!

I gently suggest you do the necessary, to ensure there are sufficient funds to meet the insurance payment. :+1: and it’s not really a palaver, is it? :wink:

From what you say, it seems that you have the money, just perhaps not in the correct place/account to meet your outgoings :wink:

Phew, makes me glad my small income doesn’t warrant multiple banks… reckon I’d go raving mad trying to juggle things .:laughing:

I opened a CA account when I first arrived in France and it didn’t take very long to turn into a total nightmare. Having had time to research other banking options I decided to jump ship. It took a total of 5 months to get the account closed even after being assured on two occasions that the account was closed and there were no “loose ends” to deal with.
This was at a time when mobile phones were not yet surgically attached to everyone. I can only imagine how risky it must be to trust CA to manage an online banking app. I will never trust my banking business to a device I need a magnifying glass to see and is so easy to lose, damage, have stolen, and becomes obsolete two or three years later.

I agree that CA are a bit pony (we jumped ship from them earlier this year with zero regrets).

However, although you can use smartphone apps to run your banking I’m not aware of any bank that doesn’t also have a ‘normal’ website for use on any computer i.e. all your eggs are not in one basket.

Although smart phones are great they are not infallible (& are loseable) so anyone who entrusts their entire existence to one without having the ability to access &/or back up their contacts/email/messages/banking etc. by other means is, frankly, foolish.

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It is a palaver because I’ve done nothing wrong, but I now have to draw ATM money from my UK HSBC bank account with a 6% transaction fee, and I then have go to the branch office to pay it in. I’ve better things to do at my age, such as staying indoors on a cold rainy day.:umbrella_with_rain_drops:

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I stayed indoors and spent nearly an hour talking to HSBC UK to hurry up a standing international transference to CA to prevent my CA account going into the red. So time consuming, and it failed because I had to go have a pee. I apologised and said I’ll call back.

But I started again on HSBC’s website alone, deleted me as a payee, reinstated myself as a payee, then set up my standing international quarterly transferences again and at the same time made a transference for today/tomorrow to prevent my CA account going into the red. That’s been sorted – I’m a fighter and don’t generally give up when it matters!

All that needs doing now is talking to the local CA branch to sort out why I can’t make a transference from my CA savings account into my principal CA account. Bugger!

The person I spoke to at HSBC was so unnecessarily slow that I began to wonder if they get bonuses for telephone time!

Heartily agree about the weather…. it’s ghastly.

I’ve just wandered through this thread again and realise I might have misunderstood your situation and I certainly don’t see why you should have to wait until 10th December to simply move some money within your CAg accounts.

Yonks ago I wanted to transfer some money from my Livret A to my current account and my computer was playing silly beggars :thinking:

I usually visit/use the sub-branch but that was closed, so I went to the main branch in our nearest big town. Armed with PPort and all sorts of documents, I asked at their counter if someone could help me make a transfer.

At first rather negative to the idea, but as I explained my situation someone with enough gumption came over and took me to one side. Calmly I talked it all through once again and waved my package of identification etc etc.

Phew, finally she fiddled with her computer and printed out a document for me to sign (me authorising the Bank to move the money from Livret A to my C/Account)

Phew.. all done and dusted… much to my relief

Might this “direct approach” work for you??? :crossed_fingers: Waiting for days sounds daft.

Normally when I know my current account is low, I transfer from my LDD savings account into the current account, I did one in August, and I use either their website or their smartphone app. to do the transfer. Been doing it for years that way, but something has happened - they had a computer glitch affecting transfers last week - which now prevents me from transfering funds from one account to another. They may be afraid that security issues are afoot and want me to call in at the branch office whenever I want to transfer between one account and another. Will see when I get to my meeting with them next week.

I’ve sorted out the ‘going into the red problem’ but need now to find out what this other problem is.

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I hope they can sort this for you. You don’t want to be going to the branch every time you want to move money.

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That’s SO last century.

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I’m not questioning your phone knowledge but does the screen change orientation in other situations?
My phone changes settings without my knowledge. ( I presume after updates or app downloads and not purely at random.)
The other day my wife was panicking when I was uncontactable for over an hour when my ringer volume decreased to a level I could not hear when phone was in my pocket. Only felt the vibration when clutching a shopping item to my side.

I haven’t tried recently as CA eventually sorted out their app, so that it did go straight to bank statements etc without having to do anything other than a simple click.

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I’d be asking about compensstion as well

Oh wait… I forgot for a moment where we are.

For anyone interested ChatGPT helped to understand why I cannot, I could in the recent past, transfer money from my Credit Agricole LDD solidaire savings account to my principal current account. I was given so much info by ChatGPT but its summary will suffice I think –

Brief summary

Your LDDS account is fully able to transfer to your current account.

The failure is caused by a known Crédit Agricole system glitch that flags your current account as an “unvalidated beneficiary.”

The error code VIRVBL001 confirms this is a technical permissions issue on CA’s side, not a legal or regulatory block.

Once the agency resets the link, the problem disappears immediately.

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In case anyone’s missed the Press releases… there will be a closedown on some bank transfers over Christmas (and New Year?)

I think this year the Christmas break extends 25-28 decembre inclus… best make transfers either well in advance or well after… :crossed_fingers:

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