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Money · Guide

Carte Bancaire (CB) Strategy

"CB" means Carte Bancaire — the French bank card network. Foreign Visa/Mastercard work almost everywhere, but with quirks: the €50 sans-contact limit, market stalls that don't take cards, and terminals that default to the French "débit" prompt.

What this solves

Three things confuse foreigners: 1) Some terminals default to "débit" (checking account, no fees) vs "crédit" (credit, may have fees). 2) Sans-contact limit is €50 (was €30 until 2020); above that, you must insert. 3) Markets are often cash only — even big markets.

Also: foreign cards sometimes get rejected at unmanned terminals (parking meters, vending). French cards have a 4-digit PIN; American cards may not prompt for PIN at all, which some French terminals can't handle.

How to read the result

Will it work?

The short answer for your specific card type and venue, with the failure mode if it doesn't.

Best practice

Insert vs tap, debit vs credit, and the exact prompt in French you should know.

Backup

Cash backup, ATM location, alternative card.

Limitations

FAQ

Should I choose "débit" or "crédit" on the terminal?

For foreign cards: "Crédit" usually wins (foreign bank charges via credit processing). For French CB cards: "Débit" is normal; "Crédit" delays the charge to month-end (sometimes fee). Pick what your card supports; if unsure, "Crédit" is the safer default for foreign cards.

How do I get cash?

ATMs (Distributeurs de billets) are everywhere. Look for BNP Paribas, Société Générale, Crédit Agricole, La Banque Postale branches. Most accept Visa, MC, Cirrus/Maestro. €1.50–€3 fee per withdrawal from your bank. Withdraw €200+ at a time to minimize per-transaction fees.

What is Vigipirate doing to my shopping?

France's Vigipirate plan occasionally activates anti-terrorism measures: shopping center entrance checks, bag inspections at museums, no bags at some monuments. Doesn't change payment. Always carry ID.

Sources