Contact

Are you a client? You should contact your private banker. 
You are not a client but would like to have more information about Societe Generale Private Banking? Please fill in the form below.

Local contacts

France : +33 (0) 1 42 14 20 00 (9am - 5pm)
Luxembourg : +352 47 93 11 1 (8:30am - 6pm)
Monaco : +377 97 97 58 00 (9/12am - 2/5pm)
Switzerland : Geneva +41 22 819 02 02
& Zurich +41 44 218 56 11 (8:30am - 5:30pm)

You would like to contact about the protection of your personal data?

Please contact the Data Protection Officer of Societe Generale Private Banking France by sending an email to the following address : protectiondesdonnees@societegenerale.fr.

Please contact Bieneke Russon, the Data Protection Officer of Societe Generale Bank & Trust Luxembourg by phone : +352-47.93.93.11.5046 or by sending an email to the following address : lux.dpooffice@socgen.com.

Please contact Julien Garnier, the Data Protection Officer of Societe Generale Private Banking Monaco by sending an email to the following address : list.mon-privmonaco-dpo@socgen.com

Please contact Omar Otmani, the Data Protection Officer of Societe Generale Private Banking Switzerland by sending an email to the following address : sgpb-gdpr.ch@socgen.com.

You need to make a claim?

 Any claim addressed to Societe Generale Private Banking France should be sent by e-mail to the following address : FR-SGPB-Relations-Clients@socgen.com or by mail to : 

Société Générale Private Banking France
Direction Commerciale
29 boulevard Haussmann CS 614
75421 Paris Cedex 9

The Bank will acknowledge your request within 10 days after receipt and provide a response to your claim within 60 days of receipt. If your request requires additional processing time (e.g. if it involves complex researches…), the Bank will inform you by mail. 

In the event that the response you receive does not meet your expectations, we suggest to contact : 

 

The Societe Generale Group’s Ombudsman

The Societe Generale Group’s Ombudsman can be contacted by the following website : mediateur.societegenerale.fr  or by mail :

Le Médiateur auprès de Société Générale
17 Cours Valmy 
92987 PARIS LA DEFENSE CEDEX 7
France

In reviewing any matter, the Ombudsman undertakes the consideration of both the client’s and the bank’s point of view, evaluates arguments from each of the parties and makes a decision in all fairness.

The Group’s Ombudsman will respond to you directly within two months of receipt of the written submissions of the parties relating to the claim.

 

The Ombudsman of the AMF

The Ombudsman of the Autorité des Marchés Financiers (AMF) can be contacted at the following address :

Médiateur de l'AMF, Autorité des Marchés Financier
17 place de la Bourse
75082 PARIS CEDEX 02
FRANCE


The Insurance Ombudsman

Please contact the Insurance Ombudsman : contact details must be mentioned in your insurance contract.

To ensure that your requests are handled effectively, any claim addressed to Societe Generale Bank & Trust should be sent to:

Private banking Claims department
11, Avenue Emile Reuter
L-2420 Luxembourg

The Bank will acknowledge your request within 10 days and provide a response to your claim within 30 days of receipt. If your request requires additional processing time (e.g. if it involves complex research), the Bank will inform you of this situation within the same 30-day timeframe.

In the event that the response you receive does not meet your expectations, we suggest the following :

Initially, you may wish to contact the SGBT Division responsible for handling claims, at the following address:

Corporate Secretariat of Societe Generale Bank & Trust
11, Avenue Emile Reuter
L-2420 Luxembourg

If the response from the Division responsible for claims does not resolve the claim, you may wish to contact Societe Generale Bank & Trust's supervisory authority, the Commission de Surveillance du Secteur Financier (Financial Sector Supervisory Commission) :

By mail: 283, Route d’Arlon L-1150 Luxembourg
By e-mail:direction@cssf.lu

 Any claim addressed to Societe Generale Private Banking Monaco should be sent by e-mail to the following address: servicequalite.privmonaco@socgen.com or by mail to our dedicated department : 

Societe Generale Private Banking Monaco
Middle Office – Service Réclamation 
11 avenue de Grande Bretagne
98000 Monaco

The Bank will acknowledge your request within 2 days after receipt and provide a response to your claim within 10 days of receipt. If your request requires additional processing time (e.g. if it involves complex researches…), the Bank will inform you of this situation within the same 30-day timeframe. 

In the event that the response you receive does not meet your expectations, we suggest to contact the Societe Generale Private Banking Direction that handles the claims by mail at the following address : 

Secrétariat Général de Societe Generale Private Banking Monaco 
11 avenue de Grande Bretagne 
98000 Monaco

Any claim addressed to the Bank can be sent by email to: sgpb-reclamations.ch@socgen.com
Clients may also contact the Swiss Banking Ombudsman : www.bankingombudsman.ch

The fear of missed opportunity... or how to miss your investments for sure!

Behavioural finance is defined by the application of psychology to finance: it differs from classical financial theory by considering individuals not as purely rational beings, but influenced by their emotions or by reasoning biases.

Very present but not very penalizing in our daily life, the fear of the missed opportunity can lead to great disappointments in the management of personal finances.

Immediacy at the expense of reflexion...

The multiplication of social networks of all kinds, combined with the acceleration in the speed of data transmission (fiber, successive generations of mobile networks ...) reinforces the permanent fear of missing an event or information. As early as 1996, Dan Herman theorized this phenomenon, which he called "Fearof Missing Out"(FOMO).

The attachment of the younger generation to their mobile phones - and their dismay at the lack of mobile data reception - makes this scourge visible. Although it may seem anecdotal in everyday life, the fear of frustration over lost financial opportunity can be a major factor.

For example, this fear of regret can lead to a haste in making an investment because of the fear of the disappearance of a financial opportunity: a property that may no longer be available for sale, a price level that could rise again, a financial product whose marketing period is coming to an end soon... This haste in making an investment decision can easily lead to a sub-optimisation of finances: non-existent or partial analysis of the adequacy of the opportunity with our needs, erroneous perception of the proposed risk/return ratio, no search for more attractive alternatives...

In addition, there is a risk of falling into disreputable traps. Many financial scams rely on this fear of regret to prevent the investor from thinking about the relevance or truthfulness of the proposal made (returns too high, risks presented as non-existent). The very fact of explaining that an opportunity is reserved for the first comers or the "lucky" few, reinforces this fear of a missed opportunity and annihilates any desire to think about it, which would nevertheless be beneficial to the potential investor!

... even if it means fuelling a financial bubble

It's hard to fight against the more or less specialized media promoting the appeal of an asset class or against the social network feeds full of success stories related to these same investments. The fear of frustration linked to a missed opportunity pushes one to invest immediately so as not to become the one who is "left out", rather than waiting for the right moment. If it is already regrettable not to have invested in a financial investment that later turns out to be very profitable, this regret would be all the more bitter in the presence of unused cash that one would have let sleep! The difficulty is accentuated by the very principle of this cash: to remain liquid to be used in case of necessity ... or while waiting for an opportunity to be seized!

Beyond this lack of hindsight regarding the preservation of the right level of cash, the fear of missing a financial opportunity pushes some people to invest in investments that they would not have considered without this fear: if an asset class arouses the interest of others (increase in the amounts invested and/or appreciation of valuations), probably I must invest in it! These behaviours then feed a fashion effect (or mimicry), or even reinforce a financial bubble phenomenon. Moreover, as our resources are limited, trade-offs may be necessary, leading to unfortunate divestment decisions. If these decisions are widespread, they may lead to abnormal downward pressure on the price of certain assets.

Let's stop here ... lest we miss some important notifications on our phones!

WARNING

This document is an advertisement and has no contractual value. Its content is not intended to provide an investment service, nor does it constitute investment advice or a personalised recommendation on a financial product, nor insurance advice or a personalised recommendation, nor a solicitation of any kind, nor legal, accounting or tax advice from any entity under the responsibility of Société Générale Private Banking.

The information contained herein is provided for information purposes only, is subject to change without notice, and is intended to provide information that may be useful in making a decision. Past performance information that may be reproduced is not a guarantee of future performance.

Before subscribing to an investment service, financial product or insurance product, the potential investor (i) must read all the information contained in the detailed documentation for the service or product in question (prospectus, regulations, articles of association, key investor information document, term sheet, information notice, contractual terms and conditions, etc.), in particular those relating to the associated risks; and (ii)consult his legal and tax advisors to assess the legal consequences and tax treatment of the product or service being considered. His or her private banker is also available to provide further information, to determine with him or her whether he or she is eligible for the product or service under consideration, which may be subject to conditions, and whether it meets his or her needs. Accordingly, no entity within Société Générale Private Banking can be held responsible for any decision taken by an investor solely on the basis of the information contained in this document.

This document is confidential, intended exclusively for the person to whom it is given, and may not be communicated or brought to the attention of third parties, nor may it be reproduced in whole or in part, without the prior written consent of Société Générale Private Banking. For more information, click here.

Édouard Camblain Head of strategic projects & development