CIC banque & compte en ligne V12.41.3

Review of CIC Online Banking and Mobile App

The CIC mobile application offers a comprehensive and secure platform for managing various banking products, including accounts, cards, loans, insurance policies, savings vehicles, and investments. Users benefit from real-time alerts for fraud prevention and notifications directly on their mobile devices, enhancing security and oversight.

The app also facilitates the opening of specialized accounts such as a youth account for minors, first-time mortgage loans, home insurance policies, and security services like alarm and remote surveillance (Homiris). It provides tools to simulate quotes for new banking products or services, aiding customers in making informed decisions.

Regarding fund management and investment options, the CIC app connects users to their secure online space to perform transactions confidently. Features include checking account balances and transactions across multiple accounts, executing transfers within CIC or to registered beneficiaries, categorizing expenses for budget management, adjusting payment limits, blocking or modifying card functionalities, and securing online purchases through mobile confirmation.

The application also supports contactless payments via mobile and Paylib (available through CIC Pay), generation of virtual credit card numbers for online shopping through Payweb Card CIC, mortgage or savings plan simulations with current rates, downloading RIBs and IBAN details, and securely transmitting documents to financial advisors. Additionally, users can locate the nearest CIC branches or ATMs and notify the bank of upcoming international travel via the 'I Travel' feature.

For younger clients aged 12 and above, the 'My First Youth Account' offers a digital card enabling receipt of funds, budget management, and digital savings. Parents retain control by monitoring the account in real-time, receiving notifications of transactions, funding the account via instant transfers, and setting or limiting withdrawal or spending caps; they can also deactivate specific mobile payment or international transaction features.

The insurance services section provides access to documents and contracts covering auto, motorcycle, bicycle, scooter, home insurance, retirement plans, and health mutuals. Customers can request quotes and manage claims efficiently.

In health insurance management, users can handle health expenses, track reimbursements, simulate medical procedure refunds, and monitor their Health Advance Card usage.

For wealth management and savings strategies, the app offers options to invest or save through products such as Livret A, Livret Jeune, PELs, salaried savings plans, retirement insurance schemes, PEA-PME holdings, or high-yield accounts. It also facilitates life insurance subscriptions with tax advantages.

Loan and financing tools include simulations of personal loans with competitive rates for projects like renovation work, property purchases, auto loans, or student financing.

The trading module permits direct stock market transactions with access to real-time market data for equities on Euronext. Portfolio management and order tracking are also integrated features.

Customer support channels encompass secure messaging systems and phone contact options. Appointment scheduling with advisors—via video call, in person at branches, or by phone—is available. The app also provides directories of useful contact information and branch locations.

The CIC brand maintains an active presence on social media platforms—an invitation for users to engage with their community. For technical or operational issues related to the app, users can reach out by email at [email protected] (highlighting Android app usage) or call 09 69 39 00 22 (non-premium number).