BNP Paribas is currently offering a fixed-rate student loan with an interest rate of 0.99%, available to those who apply by September 30, 2026. The loan can be taken up to 200,000 euros and can be repaid over a period of up to 12 years. A unique feature of this loan is its "progressive release" structure, meaning funds are provided to students as needed, rather than all at once. The interest rate is set at the time of signing and remains unchanged for the entire duration of the loan, offering students financial certainty. The loan can be customized to fit different educational projects, with the amount borrowed and the repayment period determined in consultation with a BNP Paribas advisor. As part of the Esprit Libre student offer, students receive three types of Visa credit cards—Classic, Origin, and Premier—with the first year of each card free. The Visa Premier card includes additional benefits such as insurance and assistance services for travel abroad. BNP Paribas also provides digital banking tools through its Mes Comptes app, allowing students to check their balances, make transfers, and track expenses. Mobile payment features are available, letting users make purchases directly from their smartphones. For more complex banking needs, students can schedule appointments with a financial advisor for personalized assistance. To support students traveling or studying abroad, BNP Paribas offers no commission on withdrawals at partner ATMs through its Global Network and Global Alliance systems. The bank also provides international transfer options and the Travel Option, which waives fees on card payments and withdrawals for individuals aged 18 to 24. Additionally, opening a new BNP Paribas account under the Esprit Libre Reference offer grants a welcome bonus of up to 175 euros, including 80 euros for the first subscription to the service package and a year of free access to essential banking features. These combined benefits aim to help students manage their finances more easily during the back-to-school period.