Skip to content
Guide DeblockGuideDeblock
Download

French Polynesia

Deblock vs French Polynesia's banks

Account-keeping fees, cards, a Pacific Franc account: compare the local banks and see where Deblock fits in.

In French Polynesia, three banks share the market: Banque SOCREDO, Banque de Tahiti and Banque de Polynésie. Their fees are frozen under the 2026–2028 moderation agreement, but you still pay them — around 4,122 XPF per year in account-keeping fees on average (Oct. 2025). Since April 2025, Deblock offers a Pacific Franc account with no account-keeping fee. Here's how they compare.

The three banks and their fees

Direct links to each bank and to its official fee schedule (a PDF the bank keeps up to date). Fees differ from one bank to another: for exact amounts, open the relevant schedule.

Banque SOCREDO

Territory bank
Official siteFees page2026 schedule (PDF)

Banque de Tahiti

Local bank
Official siteFees page2026 schedule (PDF)

Banque de Polynésie

Société Générale subsidiary
Official siteFees page2026 schedule (PDF)

Compare fees, at the source

The three banks' fees are frozen under the 2026–2028 moderation agreement, but they vary from one bank to another. The official public comparator updates these fees automatically — it's the reference for comparing bank by bank.

Compare on tarifs-bancaires.gouv.fr

Local banks vs Deblock

CriterionLocal banksDeblock
Account-keeping feeLocal banks · ≈ 4,122 XPF/yr on average (2026–2028 freeze)Deblock · 0 XPF
Payment cardLocal banks · Annual fee (see schedule)Deblock · Visa card included
Pacific Franc (XPF) accountLocal banks · YesDeblock · Yes
Built-in cryptoLocal banks · NoDeblock · Yes, self-custody (your keys)
Remunerated euros (~4%)Local banks · NoDeblock · Yes, on euros (plan-dependent)
Account openingLocal banks · In branch / by appointmentDeblock · From the app, in minutes

Overview. Exact amounts are in the official schedules above; the public comparator is authoritative for bank fees.

Where Deblock helps vs the local banks

  • A Pacific Franc (XPF) current account with no account-keeping fee.
  • A Visa card to pay and withdraw, in Polynesia and internationally.
  • Your crypto in self-custody: you hold your keys, Deblock can't touch them.
  • Access to remunerated euros (~4%, plan-dependent) and a SEPA account, on top of XPF.
  • Opening in minutes from the app, with no branch appointment.

Frequently asked questions

Is Deblock available in French Polynesia?

Yes. Since April 2025, Deblock offers a Pacific Franc (XPF) account to residents of French Polynesia, New Caledonia and Wallis-et-Futuna, with a Visa card and a mobile app.

Is Deblock a bank?

No. Deblock is not a bank: it's an app combining a current account and a self-custody crypto wallet. Deblock is registered with the AMF as a digital-asset service provider. Your local bank can still be useful for other services (credit, cash…).

Which Polynesian bank has the lowest fees?

Fees vary from one bank to another and are frozen under the 2026–2028 moderation agreement. To compare exact, up-to-date amounts, check each bank's official fee schedule and the public comparator tarifs-bancaires.gouv.fr.

Can I keep my local bank and use Deblock?

Yes. Many people keep their local account for daily life and use Deblock for a no-account-fee account, self-custody crypto and access to euros. The two are complementary.

Where Deblock fits in Polynesia

A Pacific Franc account with no account-keeping fee, a Visa card, your crypto in self-custody and access to euros: Deblock complements — or lightens — your relationship with the local banks.

Open your Deblock account in XPF

Open a Deblock account

Independent comparison, for information only. Guide-deblock.com is independent and not affiliated with the banks mentioned. Each bank's official fees are authoritative and may change — check them before any decision. Information accurate as of June 2026.