Je suis tout nouveau sur ce forum, mais il m'a déjà beaucoup servi lors de précédentes expériences à l'international. Aujourd'hui, après de nombreuses recherches plus ou moins fructueuses, j'ai décidé de rejoindre la communauté.
J'envisage de faire un stage de 2 mois à Miami, en Floride, de la mi-Juin à la mi-Aout, puis de partir 4 mois en échange à l'université de Waterloo, Canada, pour ma dernière année d'école d'ingénieur, sans passer par la case France. J'ai déjà trouvé mon stage, et mon dossier de candidature a été accepté par mon école. Il n'y a donc pas de gros problèmes à ce niveau là (si ce n'est celui du Visa J1, ou de la complémentaire santé / assurance, mais ceci est une autre histoire).
Ma question concerne la gestion de mes dépenses dans ces deux pays. Je me suis beaucoup renseigné, et j'ai deux solutions qui me paraissent intéressantes :
- L'option Jazz International à la Société Générale, qui me dispense de tous les frais et commissions prises par la banque. Si j'ai bien compris, ceci n'exclue pas le taux de change. Mais cela exclue-t-il les frais des ATM (aux USA notamment ?). Cette option me couterait 54€ pour un an, et je suis déjà client à la société générale.
- Ouvrir un compte à la BNP pour profiter de leur offre Global Student, gratuite jusqu'à 24 ans. Je n'ai pas trop compris le contenu de cette offre. Elle me permettrait de retirer des espèces sans frais dans les ATM Bank Of America aux USA et ScotiaBank à Miami. Cela couvre-t-il aussi les frais des ATM aux USA ? Par ailleurs, pour des paiements par carte, ai-je des frais à payer (2 ou 2.5% du montant ?) Enfin, cette offre nécessite-elle d'ouvrir un compte à la BoA et/ou à la ScotiaBank ? Etant donné que mes durées de séjours sont très courtes, j'aimerais éviter des démarches supplémentaires auprès des banques.
Par ailleurs, j'ai lu sur votre forum qu'il était possible d'obtenir des cartes de retraits sans aucun frais auprès de certaines banques (HSBC ?). Mais j'imagine que l'ouverture d'un compte / l'achat d'une carte ne sont pas données, pouvez-vous confirmer ?
Autrement, avez-vous des retours/expériences sur ces deux offres (notamment celle de la BNP) ?
En vous remerciant par avance pour vos réponses,
Mounir.
Je peux juste te répondre à propos de la partie BNP. (C'est ce que j'allais te conseiller en lisant le titre de ton post).
Déja, je ne connais pas l'offre Global Student dont tu parles.
Lors de mon immigration au Canada en 2008, j'avais un compte chèque classique à la BNP, avec carte visa (payante 35 euros/an il me semble mais gratuite la 1ere année) et ça m'a permis de retirer des sous sans frais dans les distributeurs de la Scotia Bank. Il n'y avait pas de frais autre que le taux de change (qui était correct). Le seul truc c'était que le montant des retraits était plafonné (l'équivalent de 500 euros /semaine mais ça se négocie avec la banque). Pas besoin de devenir clients de la Scotia ou de la Bank of America, c'est juste un accord de réciprocité qu'ils ont pour que les clients bénéficient d'avantages de retrait à l'étranger.
Les frais dont tu parles à propos des ATM se retrouvent surtout pour les ATM qu'on retrouve dans les restaurants, les magasins, ou quand tu utilises un distributeur dans une autre banque (mais je pense que l'accord BNP / Scotia / Bank of America te dispense de ses frais pour leurs distributeurs).
Pour les paiements par carte je ne me souviens plus exactement, mais oui il y avait des frais correspondants à un pourcentage de montant (avec un minimum peut-être). Avant d'avoir un compte bancaire canadien on payait tout en cash.
Par la suite nous avons eu une carte de débit gratuite et les frais de compte étaient gratuit aussi à condition qu'on maintienne un certain montant d'argent sur le compte. Mais je ne pense pas que tu puisses ouvrir un compte pour une si courte période.
J'espère t'avoir aidé :)
Emilie
2009 : Chutes du Niagara; 2010 : New York, Québec, Tadoussac, Punta Cana; 2011 : New York, la Californie, Washington DC, Punta Cana; 2012 : Boston/Cape Cod, Chutes du Niagara; 2013 : Puerto Plata et Niagara puis retour définitif en France. 2014, Préparatifs pour visiter Londres...
bonjour,
tu peux te faire envoyer de l'argent par ta famille avec la carte TRANSCASH
C'est une carte et que ta famille t'envoier le rechargement par tel ou internet ! comme une recharge de téléphone avec un code....
de 50 € à 500 € les recharges !
Si tu ne veux pas avoir de problèmes de changement de banque !
salut
Merci pour vos réponses rapides et précises, elles répondent précisément à mes questions ! LUJU, j'ai fait un tour sur le site de Transcash, et les rechargements de la carte coûte entre 5 et 10% du montant rechargé (5€ de frais pour 50€ de recharge, 25€ pour une recharge de 500€). Ce n'est donc pas la solution la moins onéreuse pour un séjour à l'étranger (je n'ai pas encore calculé mon budget, mais je dépenserai au moins 700€/mois, loyer compris).
Je pense que je vais retenir la solution d'Emilie, à savoir aller ouvrir un compte à la BNP. Merci pour toutes ces précisions, je les confirmerai auprès du conseiller BNP lors de l'ouverture de mon compte. Je vous tiendrai au courant des conclusions que j'aurai tirées de mon rendez-vous, notamment pour l'offre Global Student, cela servira aux prochains !
En attendant, si vous avez d'autres solutions à me proposer, n'hésitez pas, je ne prendrai pas rendez-vous avant deux semaines :) Merci d'avance !
mkdj
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READY, SET...... GO...... TO YOUR KEYBOARDS!!!!!!!! lol
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