Foreign Perspectives

Archive for the ‘Relocating’ Category

You might think that medical treatment in France would be pretty much the same as it is elsewhere in the world once you get to the point of visiting the doctor, but it isn’t.

For historic reasons, the various post offices and co-operative banking organisations in Europe maintain loose connections with their opposite numbers in other countries and it’s therefore often useful to open accounts with these organisations before you move.For instance, the co-operative bank offer a service called Tipanet which offers quite cheap international money transfers: around £8 as compared to the £25 that a normal bank would charge you. In the UK, it’s the Co-Operative Bank that does this, in France it’s Banque Populaire. The co-operative movement is quite frequently used by various unions and in France Banque Populaire offers special deals to public servants.The post office links are even more widespread and various special arrangements exist between considerable numbers of national post offices for their account holders. However, information on these isn’t widely distributed and it can take a little searching to find out about them. One advantage that almost all give you is that a post office account effectively gives you government issued proof of address once your first statement arrives.

DIY is one of the most popular activities in France if the constant flow of traffic into the DIY (bricolage) shops is anything to go by.

One reason for this is that it’s next to impossible to get anyone to do odd-jobs here so many more people are forced down the DIY route than would otherwise be the case. The range of items for sale is much larger than that in the equivalent places in the UK. Electical equipment runs right up to professional gear in the larger stores and you can buy everything required to build a house from scratch which is also a fairly popular activity. I well remember one old couple wheeling out everything that they needed to floor a room in their house from the floorboards to the tools required.

The popularity of the activity is most noticeable just prior to public holidays when it’s best to avoid these places unless you’ve a considerable amount of time to spare as the queues are just unbelieveable.

Naturally, whilst it might be a popular activity, that doesn’t mean that the work is necessarily done terribly well. Not that the workmanship of the professionals is always better of course as you can see from the not quite perfect sign from this DIY store.

Most French banks are what would be termed building societies in the UK and consequently the banking scene is fairly different in nature in France.

There are only two proper banks, Societe Generale and BNP Paribas. These both operate nationwide networks but their branches are largely confined to the towns so they may not be entirely practical if you live in an isolated village.

As in other countries the Post Office and co-operative movement operate their own banks offering some advantageous accounts which we’ll be covering separately.

The majority of banks are effectively small regional building societies. For example, the Credit Agricole you see in Normandy is a totally different outfit to that which you’ll see in Paris. Although it is possible to open an account in one region and operate it via the branches in another region, this will entail delays in having your deposits credited and limits the facilities you have access to. So, I can’t use the deposit machines in Perpignan with the card from my account in Normandy.

The other banks worth looking into are those of the various supermarkets. By and large these are re-branded versions of some of the banks covered above but not always, for example Auchan operates its own bank. Generally speaking, the charges for these accounts are lower.

The main postal banks are those operated by Axa (a full-service bank) and Ing (savings accounts only).

One difficulty that you will have in opening any of the accounts is that you are usually required to provide proof of income. If you are living in France, they will ask for proof of a French income and this can take several years to acquire so it’s generally better to open an account with one of the banks before you move here or very shortly after you get here.

At first glance, the shopping district in Perpignan seems to be quite small and compact. It’s mostly a pedestrian area and even those areas where it isn’t, the streets are narrow enough to really slow down both the speed and the volume of the traffic considerably so it ends up with a very calm feel to it.

After a while though, you realise that there are a whole lot more shops than you first saw because many are set back from the street in little courtyards like the one you can see here. In fact, we’ve only really started to discover the true size of the shopping area recently as many of these little courtyards contain not one but often four or five of the little shops.

They’re all different too. This one is relatively ordinary in that it’s effectively just got a longer than normal entrance hall but others come with statues, waterfalls, and the like. The range of shops is much greater than those directly on the main street where you’ll generally find the international shop brands. It’s in these little courtyards that you find the more unique shops.

Of course, the biggest plus point of this arrangement is that in the Summer, the courtyards are a good deal cooler than the street. Airconditioning isn’t that widespread here at the moment so these little courtyard shops and restaurants provide a welcome break from the intense July and August heat.

Anyway, if you’re here on a visit, keep an eye out for them and explore some of the courtyard shops of Perpignan.