managing your accounts
esprit libre découverte

Esprit Libre Découverte


Your banking products and services at preferential rates


The Esprit Libre Découverte bank account offer is reserved for those who are of 16–17 years of age. It bundles products and services that will allow them to get accustomed to banking.

An essential part of your daily life

In detail

A debit card is included


Benefit from a Visa Plus withdrawal card or a MyB's debit card (withdrawals and payments).

Check your account balance


No risk of overdraft: the balance of your bank account is checked at every transaction.

No fees*


No fees – this banking offer is 100% complimentary!

* Excl. subscription to the BNP Paribas Security option.



  • Account Balance Messaging Service*: in order to facilitate account management, an SMS is sent once a month with information about your deposit account.
  • BNP Paribas Security: insurance for your methods of payment, lost or stolen**, or fraudulently used.

* Free option.
** Within the limits and conditions set forth in the information notice.

Further details

Please note:

The Esprit Libre Découverte* bank account is created in the name of the account holder by his or her legal representative(s). The legal representative(s) is/are responsible for any consequences that may result from making payment options available to a minor.

* For every subscription to the Esprit Libre Découverte offer, legal representatives have a 14-day cooling-off period from the date of signature.

Detailed features of


Download the pdf

  • Eligibility
  • Description
  • Rates
  • Closure
Image popup

X Close


Only the legal representatives of the minor (parents, guardian, etc.) may sign up for an Esprit Libre Découverte account on their behalf. As the legal representative(s), you are responsible for any consequences resulting from payments made in the name of your child (minor).
Use of a checkbook is optional and a maximum weekly withdrawal limit can be established for the debit card.

Your child must be at least 16 years of age.


Esprit Libre Découverte is a banking package that offers a complete range of products and services that will introduce you to the management and tracking of your bank accounts on a daily basis.

This policy is free and is reserved for those of 16–17 years of age.

  • A debit card is included:
    • The Visa Plus Card: a withdrawal card
    • The Myb's Card: a debit card (withdrawals and payments).
  • No risk of overdraft: the balance of your bank account is checked at every transaction.
  • Choose among the following options:
    • Account Balance Messaging Service (free option): Once a month, you will receive an SMS containing your account balance, the last three transactions and any pending transactions.
    • BNP Paribas Sécurité (paid option): You are protected in the event of fraudulent use of your payment instruments, as well as in case of loss or theft of your identity documents or keys.

Options :

  • Account Balance Messaging Service (SMS): use the account balance messaging service to track your bank account : you will automatically receive an SMS with your account balance, the total amount of any pending transactions and the last three transactions debited from or credited to your checking account.
  • BNP Paribas Sécurité (paid option): you are protected in the event of fraudulent use of your payment instruments, as well as in the event of loss or theft of your identity cards or keys.

Documentation and comparison tool ()

FAQ ()

In addition

  • Offre relevés en ligneAccounts ONLINE STATEMENTSYour statements and transaction orders are accessible in PDF format everywhere and at all times in your secure login area at or by selecting "My Accounts".
  • carte mybs vignetteAccountsMyB's CardAn ideal card for people 12 to 17, to start controling your account under all circumstances.
  • BNP Paribas SécuritéProperty insuranceBNP PARIBAS SECURITY Insurance for your financial instruments and your personal belongings (keys and identity papers).

Have a question?

Our advisors are here to assist you.

Contact us

For assistance or to make a claim/contest a charge, your advisor can be reached on their direct line (a standard rate call).

BNP Paribas, limited company with a capital of €2,492,770,306 – Headquarters: 16 boulevard des Italiens, 75009 Paris. Registered with the Paris RCS (Trade and Companies Registry) as No. 662 042 449 – EU VAT identification No. FR76 662 042 449 – ORIAS No. 07 022 735.

AXA COURTAGE, Siège Social : 26 rue Louis Le Grand 75002 PARIS, Entreprise au capital social de 63 394 511,18 €, régie par le Code des Assurances, RCS PARIS C 326 465 788.

INTER PARTNER Assistance was designated by AXA Assistance as an insurance business under the AXA Assistance Group, accredited by the Banque Nationale de Belgique (0487). Limited company under Belgian law with a capital of €11,702,613 – Headquarters: 166 avenue Louise, 1050 Brussels, Belgium – Registered with the Brussels RLP as No. 415 591 055; French office: 6 rue André Gide, 92230 Châtillon – Registered with the Nanterre RCS (Trade and Companies Registry) as No. 316 139 500

SPB, simplified joint-stock insurance broker and management firm with a capital of €1,000,000 – subject to supervision by the French Prudential Control and Resolution Authority (Autorité de Contrôle Prudentiel et de Résolution) – Headquarters: 71 quai Colbert, 76600 Le Havre – registered with the Havre RCS (Trade and Companies Registry) as No. 305 109 779 – ORIAS No. 07 002 642 (