The bank asks for proof of address, but you don't have one yet when you arrive. It's a closed loop if you try to solve it in the wrong order - and it breaks easily once you know the right one.
Is a neobank account enough to pay rent or receive CAF?
Yes. Neobanks (Revolut, Wise, N26) provide a SEPA-usable IBAN, accepted for transfers and direct debits, including by CAF, which accepts any SEPA-zone IBAN.
What order should this actually happen in?
Neobank before departure (no address needed) → flexible housing with no French RIB or guarantor required → the lease or accommodation certificate serves as proof of address → a traditional bank afterward if you want one.
Is a proof-of-accommodation letter accepted as proof of address?
Yes, at nearly every bank, along with the host's own ID and their own proof of address.
Last updated: 2026-08-14. This guide is provided for informational purposes only and is not an official document. Always verify procedures, deadlines and fees with the official source.
