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Banka je kreditna ustanova ovlaštena za obavljanje bankarskih poslova. Jedino su banke ovlaštene da bez ograničenja primaju od građana štedne uloge po viđenju ili na rok kraći od dvije godine.

To uključuje komercijalne banke i banques coopératives et mutualistes (to su banke u kojima su dioničari isključivo njihovi klijenti. „Cooperative je međunarodni izraz, a mutualiste isključivo francuski.) (Kooperativne banke imaju često međunarodnu vlasničku strukturu), te gradske štedionice. Ove potonje su javne kreditne ustanove koje također isplaćuju i socijalnu pomoć, a imaju monopol nad odobravanjem zajmova uz jamstva ili pologe.

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