Free Practice Questions for BTS Banque

The Brevet de Technicien Supérieur Banque (BTS Banque) is a national tertiary vocational qualification in France at Level 5 of the RNCP (European Qualifications Framework Level 5, Bac+2, 120 ECTS). Certified by the French Ministry of Higher Education and Research, it equips students to become retail client advisors (chargé de clientèle de particuliers) in retail bank branches, private banking networks, and online financial institutions.

The French Ministry updated the BTS Banque curriculum under the arrêté du 22 novembre 2023 (first examination session in spring 2026, RNCP38381). The updated framework reorganizes the professional competencies around modern omnichannel banking, digital customer journeys, strict regulatory compliance (LCB-FT, DDA, MIF 2, RGPD), sustainable finance, and proactive risk detection, structured into units E1 through E5.

The examination comprises five compulsory unit blocks: E1 Culture générale et expression (written 4 h, coef 3), E2 Langue vivante étrangère (written and oral, coef 2), E3 Accompagnement du parcours client (oral simulation and portfolio defense, coef 4), E4 Développement commercial et gestion de l'activité (written 4 h technical case study, coef 4), and E5 Veille organisationnelle, juridique et financière (written and oral, coef 3). To earn the diploma, candidates must achieve an overall weighted average of at least 10/20 across all units. Units with grades of 10/20 or higher can be carried over for up to 5 consecutive sessions.

Candidates in initial schooling must complete 14 weeks of full-time professional immersion in banking branches or retail financial establishments across the two-year program (typically 6 weeks in the first year and 8 weeks in the second year). For apprentice candidates (contrat d'apprentissage or contrat de professionnalisation), the required in-branch commercial practice is integrated into their alternating work-study schedule.

Consumer credit (crédit à la consommation) in France is regulated under articles L. 312-1 et seq. of the Code de la consommation. Key rules include mandatory provision of the Standardised European Consumer Credit Information (FISE) sheet, calculation and display of the Annual Percentage Rate of Charge (TAEG), consultation of the FICP register before granting credit, a mandatory 14-calendar-day right of withdrawal (droit de rétractation), and strict restrictions on revolving credit (crédit renouvelable) amortization periods.

French mortgage loans are regulated under articles L. 313-1 et seq. of the Code de la consommation (loi Scrivener). Lenders must provide a binding loan offer valid for at least 30 calendar days, and the borrower cannot accept before a mandatory reflection period of 10 full days (acceptance possible on day 11). Guarantees include judicial/conventional mortgages, special lender's liens (hypothèque légale spéciale, formerly PPD), or mutual guarantee funds (cautionnement Crédit Logement). Under the Loi Lemoine, borrowers can change their loan insurance at any time without fees.

Regulated savings accounts in France—including Livret A (ceiling €22,950), LDDS (Livret de Développement Durable et Solidaire, ceiling €12,000), and LEP (Livret d'Épargne Populaire, ceiling €10,000)—enjoy full tax exemption: interest is entirely free from French personal income tax (impôt sur le revenu) and social contributions (prélèvements sociaux of 17.2%). Each individual may hold only one Livret A across all banking institutions.

For contracts older than 8 years, policyholders benefit from an annual income tax allowance on gains withdrawn of €4,600 for single persons and €9,200 for couples filing jointly (social levies of 17.2% remain due). Upon the death of the insured, premiums paid before age 70 are exempt from inheritance tax up to €152,500 per beneficiary under Article 990 I of the CGI. For premiums paid after age 70, a single global exemption of €30,500 applies across all beneficiaries under Article 757 B of the CGI, with gains generated on those premiums completely tax-free.

Under articles L. 561-1 et seq. of the Code monétaire et financier, banking professionals are subject to strict customer due diligence (vigilance normale, allégée, or renforcée) and must identify beneficial owners (bénéficiaires effectifs) and politically exposed persons (PPE). When an unexplained transaction, unusual cash deposit, or suspected illicit fund movement cannot be justified despite clarification requests, the institution must submit a formal suspicious transaction report (déclaration de soupçon) to Tracfin. Banking secrecy cannot be invoked against Tracfin, judicial authorities, or the ACPR.

The official French national BTS examination is conducted in French (with a separate foreign language paper E2). OpenExamPrep provides a specialized 100-question English-language MCQ study adaptation. It covers the complete technical substance of the official French curriculum (retail operations, credit, savings, compliance, and economics) to reinforce conceptual mastery for bilingual students, international transfers, and vocational exam revision.