Academic mock-up — Auxo Banque is an entirely fictional institution, built as part of a graduate thesis. It does not correspond to any real bank. No data entered is transmitted or stored.

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Accounts

The account that actually fits your situation.

Seven accounts covering daily life, savings, studies, shared finances and professional activity — with the same tracking and security guarantees.

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  • Guided online opening
  • Card and mobile payments included
  • No hidden fees in the mock-up
Available solutions

Seven accounts, one precise use for each.

Each sheet details the benefits, conditions and documents to prepare.

Current account

Your everyday account: card, transfers and online tracking.

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Savings account

A simple account to set money aside, available at any time.

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Premium account

Extended services, higher limits and a dedicated adviser.

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Student account

Fee-free, built for a first independent budget.

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Joint account

A shared account between two holders, for a joint budget.

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Professional account

For freelancers and self-employed professionals, separate from personal accounts.

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Business account

A company’s operating account, with multi-user management.

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Who is it for?

Find the profile that matches you.

Individual

Manage income and spending day to day.

 Student

A lighter account suited to a study budget.

 Sole trader

Separate business flows from personal ones.

 Business

Multiple accounts and access delegated by department.

 Entrepreneur

Start a business with a dedicated account from day one.

 Investor

A premium account articulated with your investments.

 Non-profit

Shared management between several officers.
Individual

Current account

Your everyday account: card, transfers and online tracking.

The current account receives your income, pays your expenses and lets you manage your budget day to day. It comes with a card and full online access.

Benefits

  • Fast opening, no minimum deposit required
  • Bank card and mobile payments included
  • Spending tracked by category
  • Customisable balance alerts

Who is it for?

Any adult wanting a day-to-day account.

How it works

  1. 1

    Online or in-branch identity check.

  2. 2

    Signing the account agreement.

  3. 3

    Card and login details received within a few days.

Conditions
  • Be of legal age and resident in the country
  • Valid proof of identity
  • Recent proof of address
Required documents
  • Proof of identity
  • Proof of address
  • Bank details if transferring from another account
Frequently asked questions
Can I open an account without depositing money right away?

Yes, an initial deposit is not required at opening in this academic prototype.

Does the current account earn interest?

No, it is designed for daily management; savings belong on a dedicated account.

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Individual

Savings account

A simple account to set money aside, available at any time.

The savings account complements the current account: it sets part of your income aside while staying available, with no lock-in or withdrawal penalty.

Benefits

  • Withdrawals possible at any time
  • Automatic scheduled transfers
  • No account-keeping fees

Who is it for?

Anyone wanting an available precautionary reserve.

How it works

  1. 1

    Opened alongside an existing current account.

  2. 2

    Setting up an optional automatic monthly transfer.

  3. 3

    Balance and deposits tracked from the online area.

Conditions
  • Already hold a current account
  • No minimum deposit amount
Required documents
  • Proof of identity
  • Bank details of the linked current account
Frequently asked questions
How many savings accounts can I open?

Several accounts can coexist to separate different goals.

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Individual Investor

Premium account

Extended services, higher limits and a dedicated adviser.

The premium account suits clients seeking higher limits, a premium card and personal follow-up from a dedicated adviser.

Benefits

  • Dedicated adviser, reachable directly
  • Higher payment and withdrawal limits
  • Insurance and travel assistance included
  • Priority access to partner lounges

Who is it for?

Clients with established income, or wanting closer support.

How it works

  1. 1

    Profile and needs review with an adviser.

  2. 2

    Selecting included options (insurance, assistance).

  3. 3

    Activated within a few days.

Conditions
  • Regular income or minimum deposit (indicative)
  • Prior meeting with an adviser
Required documents
  • Proof of identity
  • Proof of income
Frequently asked questions
Does the premium account have a monthly cost?

A fee may apply; it is detailed during the meeting with the adviser.

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Student

Student account

Fee-free, built for a first independent budget.

The student account offers the essentials with no account fees, with budgeting tools suited to a first income or grant.

Benefits

  • Completely free account keeping
  • Card with systematic authorisation available
  • Mobile app with balance alerts

Who is it for?

Students aged 16 to 25, with or without proof of enrolment.

How it works

  1. 1

    Online opening with a legal guardian’s consent if a minor.

  2. 2

    Proof of enrolment provided (optional depending on age).

  3. 3

    Card received within a few days.

Conditions
  • Be between 16 and 25 years old
  • Legal guardian’s consent if a minor
Required documents
  • Proof of identity
  • Proof of enrolment (optional)
Frequently asked questions
Does the student account become chargeable after graduation?

It transitions to a standard current account; you are informed beforehand.

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Individual

Joint account

A shared account between two holders, for a joint budget.

The joint account lets two people manage a shared budget, each able to use it freely with their own card.

Benefits

  • Two independent cards
  • Shared visibility on transactions
  • Simplified management of shared expenses

Who is it for?

Couples, flatmates or any duo wanting a shared budget.

How it works

  1. 1

    Both holders validate the opening online.

  2. 2

    Each receives their own card and access.

  3. 3

    Closing requires both holders’ agreement, except in specific cases.

Conditions
  • Two adult holders
  • Both parties’ agreement at opening
Required documents
  • Proof of identity for each holder
  • Proof of shared or individual address
Frequently asked questions
What happens if the holders disagree?

The account can be put under review or split on a justified request.

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Sole trader

Professional account

For freelancers and self-employed professionals, separate from personal accounts.

The professional account keeps a freelancer’s or self-employed professional’s activity separate, with tools suited to everyday bookkeeping.

Benefits

  • Simplified accounting export
  • Card and transfer receipts centralised
  • Cash-flow facility available on request

Who is it for?

Freelancers, sole traders, self-employed professionals.

How it works

  1. 1

    Declaring status and business sector.

  2. 2

    Verifying professional registration.

  3. 3

    Account and tracking tools activated.

Conditions
  • Valid professional registration
  • Activity carried out as a sole trader
Required documents
  • Proof of registration (trade register, etc.)
  • Proof of identity
Frequently asked questions
Is a professional account mandatory for a freelancer?

Rules vary by legal status; this prototype illustrates the most common practice.

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Business

Business account

A company’s operating account, with multi-user management.

The business account handles a company’s day-to-day operations: receipts, supplier payments, payroll, with configurable access rights per user.

Benefits

  • Multiple users with differentiated rights
  • Batch transfers and supplier payments
  • Exportable history for accounting

Who is it for?

Companies of any size, from a sole director to a finance team.

How it works

  1. 1

    Verifying registration and legal representatives.

  2. 2

    Setting access rights per user.

  3. 3

    Account opened and accounting tools connected.

Conditions
  • Registered company
  • Legal representatives identified
Required documents
  • Company registration extract
  • Articles of association and directors’ ID
Frequently asked questions
Can several business accounts be linked to one company?

Yes, for example to separate day-to-day cash flow from specific projects.

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Included features

What comes with every account.

Cards, transfers, payees, limits, statements and security: the building blocks shared by every account above.

Cards

Immediate or deferred debit card, blockable and configurable online.

Transfers

One-off or scheduled transfers, internal or external.

Payees

Saved payee book, validated only once.

Limits

Payment and withdrawal limits adjustable from the online area.

Statements

Downloadable monthly statements, history available online.

Security

Two-factor authentication and immediate card blocking if lost.

Your profile

Browse the other service families.

Accounts

Current, savings, premium, student, joint, sole-trader, business.

Loans

Personal, mortgage, auto, student, professional, business.

Savings

Standard, project, housing, retirement, child, business.

Insurance

Home, auto, health, travel, borrower, professional.

Investing

Investments, stocks, bonds, funds, advice, responsible investing.

Funding & grants

SMEs, startups, non-profits, agriculture, innovative projects.
Benefits

What you gain by opening an account here.

Fast opening

A guided end-to-end journey, with no paper back-and-forth.

Clear pricing

Every line is stated before subscription, with no option enabled by default.

Budget control

Spending sorted by category and configurable balance alerts.

Cards and limits

Adjustable limits and immediate card blocking if lost.

Combinable accounts

Current, savings and joint accounts are managed from one space.

Human support

An advisor reachable for sensitive or unusual operations.

How it works

Five steps, nothing left unclear.

1

Discover

Compare the seven accounts and their uses.

2

Choose

Pick the one that fits your situation.

3

Apply

Complete the application and attach your documents.

4

Review

Identity check and file validation.

5

Confirm

Card and online access received.

Key information

Conditions and documents to prepare

Conditions

  • Be of legal age, or have parental authorisation for a youth account.
  • Reside in the country of subscription.
  • Provide a valid identity document.
  • Professional and business accounts require a registered activity.
  • A joint account binds both holders jointly.

Documents that may be required

  • Valid identity document.
  • Proof of address less than three months old.
  • Proof of situation: enrolment, contract, status.
  • Bank details in case of an account transfer.
  • Registration extract for a professional activity.

Academic mock-up. The conditions, amounts and terms shown are fictional and carry no contractual value.

FAQ

Frequent questions about accounts

How long does opening take?
Filing the application takes a few minutes; validation depends on the documents provided. In this mock-up, no real account is opened.
Can I switch account later?
Yes, moving from one account to another keeps your history and your customer space.
Is a minimum deposit required?
No minimum deposit is required for the current account. Premium and business accounts may set thresholds.
How does a joint account work?
Both holders have identical rights over the account and are jointly liable for transactions.
Can I hold several accounts?
Yes: current, savings, joint and professional accounts can coexist and be viewed from one dashboard.
See the general FAQ
Take the next step

Open the account that fits you.

Compare, choose, file your request — or let an advisor guide you.

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