Caisse d’Epargne exchange rates and fees in France: the complete guide for expats
The savings bank charges fees on all foreign currency transactions. Is it possible to save money by taking advantage of the real exchange rate?
Ryanair is a popular airline for budget-conscious travellers. However, behind its low prices are strict refund and compensation conditions in cases of delay or cancellation.
As we’ll see, Ryanair compensates passengers when flights are cancelled or delayed by at least 3 hours. While you can change your flight and boarding details (for a fee), cancellations are generally not permitted.
To save money while travelling abroad from France, consider opening a Wise account and getting a Wise card. This will help you reduce foreign ATM withdrawal fees and benefit from the mid-market exchange rate for currency conversions (useful for destinations such as Poland, Sweden, Hungary, Bulgaria, and Romania).
With Ryanair, you cannot cancel a flight booking if it is still scheduled to operate.
Additionally, if your flight is delayed by less than 5 hours (or less than 3 hours under EU Regulation EC 261, as explained below), you are not eligible for a refund.¹
You can, however, change your flight under certain conditions:¹
| Name change fees¹ | €115 per passenger online €160 per passenger via an agent |
|---|---|
| Flight change fees¹ | €45 per passenger per one-way flight (online) €60 per passenger per one-way flight (via an agent or at the airport) |
To change your flight, log in to your My Ryanair account and go to the “My Bookings” section on the website or “My Trips” in the mobile app.
If your Ryanair flight is delayed by more than 2 hours (for journeys up to 1,500 km) or 3 hours (for flights over 1,500 km within the EU or between 1,500 and 3,500 km), the airline must provide assistance at the airport.
This includes meal vouchers or, if your flight is rescheduled for the next day, hotel accommodation and transport.
If these are not offered, keep all receipts so you can request reimbursement on the Ryanair website later.
In the event of a delay, you can:
If the delay exceeds 5 hours and you decide not to travel, you are entitled to a full refund.
Compensation may also apply unless the delay was caused by extraordinary circumstances (such as strikes, weather events, or medical emergencies). You can check your flight’s status on the Ryanair website or app.¹
You can claim compensation for:
To file a claim, fill out the EC 261 compensation form.³
If you booked via Ryanair.com, refunds are added to your Ryanair Wallet within 24 hours.
Then, click “Transfer” to receive the money in your bank account within 5 working days.¹
Under EU Regulation EC 261, compensation applies to flights departing from or arriving in the EU or EEA.
You are not entitled to compensation if you were informed of the cancellation:⁴
In other cases, passengers are entitled to compensation depending on flight distance:⁴
| Flight distance | Compensation amount |
|---|---|
| Flights up to 1,500 km | €250 |
| Intra-EU flights over 1,500 km and other flights between 1,500–3,000 km | €400 |
| All other flights | €600 |
If your flight is cancelled, check your refund and change options:¹
To change a flight, log in to your account and go to “My Bookings.”
If your flight was cancelled, follow the online procedure.
If you’ve already checked in, contact Ryanair through Live Chat (change your flight online).
If your flight is delayed or cancelled, you may be entitled to reimbursement for:⁴
You’re eligible if you have:⁴
Ryanair does not provide compensation in the following cases:⁴
EU Regulation EC 261/2004 sets out compensation rules for passengers in cases of:⁴
Yes. You can request a refund of government taxes if you do not take your flight. Submit your claim using the special form as soon as possible.
Ryanair will send an SMS and/or email in case of cancellation. You can also check directly at the airport or visit the live updates page.
If your flight is operational, you cannot cancel it.
Access your My Ryanair account using the email or SMS received from Ryanair. Then choose:
Directive EC 261 does not cover other travel arrangements (car rentals, trains, ferries, etc.). Ryanair recommends contacting your travel insurance provider for compensation.
With Wise, you can manage your travel spending more efficiently. For just €7, you can order a Wise debit card and open a multi-currency account that supports 40+ currencies.
When withdrawing or paying abroad, conversions are made at the mid-market exchange rate, without hidden markups. You get 2 free withdrawals up to €200 per month, and card payments are free if you hold the transaction currency in your account.
If you receive a refund from Ryanair in euros, Wise will not charge any receiving fees.
Sources:
Last verified on October 16, 2025
This article is a translation of the original article published in French and was translated within 365 days of publication. While the content has been translated for accessibility, the data and sources referenced have not been updated since the original publication date.
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
The savings bank charges fees on all foreign currency transactions. Is it possible to save money by taking advantage of the real exchange rate?
BNP Paribas charges exchange fees on foreign currency transactions. What are these fees and how can you save money?
What are Crédit Mutuel's exchange fees and what rate is applied when converting currencies? Find out the answers to these questions!
Do you have a question about the exchange rate used by Crédit Agricole? Find out all the fees for your various foreign currency transactions!
Société Générale charges fees on all foreign currency transactions. Can you save money by taking advantage of the real exchange rate?