The Bank Identity Statement or RIB contains your precise bank details. You can thus communicate them, without risk of error (we speak of ” direct debit “) to pay invoices (direct debits) or to be paid (transfer from the employer for example).
The content of the RIB
- the surname and first name (s) or business name of the account holder
- the domestic account identifier: bank code (5 digits), branch code (5 digits), account number (11 digits or letters), RIB key (2 digits)
- the title in the plain text of the establishment and the counter keeping the account (initials of the establishment, locality, agency ) (24 characters)
For international account identification:
- the IBAN (International Bank Account Number) code represented by a series of numbers and letters (27), and including (but grouped differently) the bank code, the bank code, and the account number,
- the BIC (Business Identifier Code) code represented by a series of letters (11 or 8).
It can also contain optional information (it depends on the practices of the establishments):
- the address of the account holder
- the address and telephone number of the bank counter.
How to obtain a RIB?
- At the opening of the account,
- Included in checkbooks,
- Usually on your account statement,
- Occasionally, on request at the counter where your account is open.
- In an automatic stopbank ( ATM ) of the institution where you opened your account,
- By connecting to your bank’s website (if you have subscribed to the Internet service).