Become a client

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 53 43 87 00 (9am - 6pm)
Luxembourg: +352 47 93 11 1 (8:30am - 5:30pm)
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 us 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 the Data Protection Officer of Societe Generale Luxembourg by sending an email to the following address: lux.dpooffice@socgen.com.

For customers residing in Italy, please contact BDO, the external provider in charge of Data Protection, by sending an email to the following address: lux.dpooffice-branch-IT@socgen.com

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

You need to make a claim?

Societe Generale Private Banking aims to provide you with the best possible quality of service. However, difficulties may sometimes arise in the operation of your account or in the use of the services made available to you.

Your private banker  is your privileged contact to receive and process your claim.

 If you disagree with or do not get a response from your advisor, you can send your claim to the direction  of Societe Generale Private Banking France by email to the following address: FR-SGPB-Relations-Clients@socgen.com or by mail to: 

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

Societe Generale Private Banking France undertakes to acknowledge receipt of your claim within 10 (ten) working days from the date it is sent and to provide you with a response within 2 (two) months from the same date. If we are unable to meet this 2 (two) month deadline, you will be informed by letter.

In the event of disagreement with the bank  or of a lack of response from us within 2 (two) months of sending your first written claim, or within 15 (fifteen) working days for a claim about a payment service, you may refer the matter free of charge, depending on the nature of your claim, to:  

 

The Consumer Ombudsman at the FBF

The Consumer Ombudsman at the Fédération Bancaire Française (FBF – French Banking Federation) is competent for disputes relating to services provided and contracts concluded in the field of banking operations (e.g. management of deposit accounts, credit operations, payment services etc.), investment services, financial instruments and savings products, as well as the marketing of insurance contracts.

The FBF Ombudsman will reply directly to you within 90 (ninety) days from the date on which she/he receives all the documents on which the request is based. In the event of a complex dispute, this period may be extended. The FBF Ombudsman will formulate a reasoned position and submit it to both parties for approval.

The FBF Ombudsman can be contacted on the following website: www.lemediateur.fbf.fr or by mail at:

Le Médiateur de la Fédération Bancaire Française
CS 151
75422 Paris CEDEX 09

 

The Ombudsman of the AMF

The Ombudsman of the Autorité des Marchés Financiers (AMF - French Financial Markets Authority) is also competent for disputes relating to investment services, financial instruments and financial savings products.

For this type of dispute, as a consumer customer, you have therefore a choice between the FBF Ombudsman and the AMF Ombudsman. Once you have chosen one of these two ombudsmen, you can no longer refer the same dispute to the other ombudsman.

The AMF Ombudsman can be contacted on the AMF website: www.amf-france.org/fr/le-mediateur or by mail at:

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


The Insurance Ombudsman

The Insurance Ombudsman is competent for disputes concerning the subscription, application or interpretation of insurance contracts.

The Insurance Ombudsman can be contacted using the contact details that must be mentioned in your insurance contract.

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

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

Or by email to clienteleprivee.sglux@socgen.com and for customers residing in Italy at societegenerale@unapec.it

The Bank will acknowledge your request within 10 working days and provide a response to your claim within 30 working 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-working 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 Societe Generale Luxembourg Division responsible for handling claims, at the following address:

Corporate Secretariat of Societe Generale Luxembourg
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 Luxembourg's supervisory authority, the “Commission de Surveillance du Secteur Financier”/“CSSF” (Luxembourg Financial Sector Supervisory Commission):

By mail: 283, Route d’Arlon L-1150 Luxembourg
By email:
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 working days after receipt and provide a response to your claim within a maximum of 30 working 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-working 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: 

Societe Generale Private Banking Monaco
Secrétariat Général
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

 

Gift or Donation?

If you want to do something nice for your loved ones, you can give or donate whatever you like to whomever you choose. But there’s a fine line between the gifting and donating, and the reporting requirements and taxes are very different.

Which is which?

When you pass on an asset or a sum of money to someone dear to you, it’s tempting to claim it as a gift rather than donation, to avoid the reporting requirements. Unlike a donation, a gift does not need to be reported or is tax-free.

Gift (or “present”) and donations include items or assets that you can literally “hand over”, such as a sum of money, a piece of furniture, a painting, a piece of jewellery or a car. In both cases, you must want to make the gift or donation, and be acting on your own free will.

But for generosity to qualify as a gift, two conditions must be met:

  • An event: the gift must be connected to an event for which it is customary to give something, a recurring (birthday, Christmas) or one-time event (such as getting married, buying property, having a baby).

  • The financial situation on the date the gift is given: the gift must be of modest value with respect to your financial situation and your income. Whether something qualifies as a gift is assessed on a case-by-case basis. There’s no scale for evaluating how “modest” a gift is.

In theory, gifts do not involve any formalities. In practice, when giving a gift, it’s important to retain proof of the gift status when it takes place. So hold on to January’s bank statement if you’ve wired money as a “New Year’s gift”, which should be specified as such.

For donations, you don’t have to have anything in writing. However, the recipient must report it to the tax authorities, even if no duties have to be paid. They can do this free of charge.

Now that the system for registering donations has been moved online, the recipient can file the report and pay any dues owed right from their personal account at www.impots.gouv.fr.

What about taxes?

Remember, a gift is not taxable. A donation, on the other hand, is taxable based on your family ties to the donee. Abatements or exemptions(1) may apply that reduce the taxable amount and are renewed every 15 years, including:

  • a €100,000 abatement on donations to each child,

  • €31,865 for donations of money made by a donor under 80 years old to an adult beneficiary – a child or grandchild of the donor, or a nephew or niece if there are no direct descendants, as long as the report is filed within a month of the date of the donation,

  • €159,325 in further abatement for donations to a person with a disability.

Together with your advisor, our experts are on hand to assist help you and your loved ones as you consider your options.

 


(1) These abatements or exemptions apply to donations made by each donor and for each donee.

Would you like to discuss this subject further with us?

This is an advertising document, which holds no contractual value. It is not intended to provide an investment service, does not constitute investment advice nor a personal recommendation in insurance, nor any form of canvassing, nor legal, tax or accounting advice from Societe Generale Private Banking France. The data contained in this document are provided for information purposes only, are subject to change without notice, and are aimed at helping guide the decision-making process. Under no circumstances does any information on past performances contained in this document guarantee future performances. Before acquiring any investment service, financial product or insurance product, potential investors (i) must read all the information contained in the detailed documentation on the service or product under consideration (prospectus, regulations, "Key Investor Information Document", Term Sheet, contractual terms of the investment service, etc.), paying particular attention to that concerning the associated risks; and (ii) consult with their legal and tax experts to assess the legal and fiscal implications of the product or service under consideration. Investors shall obtain more detailed information from their Private Banker who can also assist in determining eligibility to the product or service under consideration which may be subject to conditions, and whether such product or service meets their needs. Accordingly, Societe Generale Private Banking shall under no circumstances be held liable for any decision made by an investor on the basis of this information alone. These forecasts about future performances are based on assumptions which may not be realised. The scenarios presented are estimates of future performance, based on historical data on how the value of an investment varies and/or on current market conditions, and are not precise indications. The yield obtained by investors is susceptible to change depending on the performance of the market and on the holding period of the investment by the investor. Future performance may be subject to tax in accordance with the personal situation of each investor, and is susceptible to change in the future.

For a more comprehensive definition and description, please refer to the prospectus of the product or, if necessary, to other regulatory documentation (where applicable) before making any investment decisions.

This document is confidential and intended solely for  the recipient; it may not be made public or disclosed to any third party, and may not be reproduced in whole or in part without the prior written agreement of Societe Generale Private Banking. Click here for more information.