A CIC bank statement is a PDF document generated each time an account is closed, summarizing all incoming and outgoing transactions over a given period. At CIC, this document is available through the online banking area (Filbanque) or the mobile app, in the section for digital documents. Downloading the file lets you keep an accessible offline copy, which can be useful for a rental application, a tax return, or managing your personal finances.
CIC periodic statements and transaction lists: two different documents
These two types of files are often confused. A periodic statement is the official document issued by the bank on a set date (usually monthly). It has a reference number and shows the opening balance, closing balance, and each transaction with its value date. This PDF is accepted as evidence by landlords, government agencies, and courts.
A transaction list, on the other hand, is a raw export of transactions for a selected date range. You can download it from Filbanque in CSV, QIF, or OFX format. This file can be used to populate accounting software or a spreadsheet, but it does not carry the same evidentiary weight as a periodic statement digitally signed by the bank.
Before downloading anything, identify what you need: official proof or data you can work with. Web Finance’s banking advice explains the distinction between an official document and a simple data export in detail.
Download a CIC bank statement from Filbanque
Filbanque is the name of CIC’s online banking service, accessible from a web browser. To retrieve a statement, go to the documents section of your customer area.
Go to the Documents and Contracts section
After signing in with your credentials and confirming your identity using your security device, go to the Services menu, then select Documents and Contracts. This section contains all the documents generated by the bank: account statements, transaction notices, and annual fee summaries.
Statements are organized by account and date. Each row shows the period covered and the document type. Click a row to open the PDF in your browser, then click the download icon to save the file locally.
What to keep in mind when downloading
Statements are not available indefinitely in Filbanque. The period for which they can be accessed online may be shorter than the period for which the bank retains them in its own systems. It is best to save each statement as soon as it is issued, in a dedicated folder on your computer or in encrypted storage.
If you close your account, access to your customer area is cut off. Any statements you have not downloaded will then be inaccessible through Filbanque. To request a duplicate later, you will need to contact your branch; this may take time and sometimes incur a fee.
View your CIC statements in the mobile app
The CIC smartphone app follows a similar process, adapted for touchscreens. The documented steps are: tap the More menu, then RIB/IBAN and documents, then Account statements and documents.
Periodic statements appear in a list. Each file opens as a PDF in the app’s built-in viewer. You can then use the share or save button to store the document in your phone’s files or send it using secure messaging.
Statements are available after the account closing date. A statement for the current month is not yet available: only transactions shown in your account history can be viewed in real time, and these do not constitute a bank statement.
Keep and protect your downloaded bank statements
Downloading a statement solves the access problem, but also makes you responsible for keeping it safe. The PDF contains sensitive personal information: account number, balances, payment habits, and the names of transfer recipients.
Recommended retention period
Article L561-12 of the French Monetary and Financial Code requires banks to retain certain documents for five years as part of anti-money laundering efforts. This obligation applies to the bank, not the customer. The period for which customers can access documents online is often shorter than this statutory retention period.
For your own needs, keeping statements for at least five years covers most common situations:
- Disputing a direct debit or charge: the time limit for filing a complaint with the bank varies depending on the type of transaction, but an older statement may serve as supporting evidence
- Mortgage application: banks generally ask for your three most recent statements, but a longer history may be required for applicants with unusual financial profiles
- Tax audit: the tax authorities can look back several years, and a bank statement can help explain the source of certain transactions
Secure your PDF files
Leaving a bank statement in the Downloads folder on a shared computer poses a real risk. A few practical precautions can reduce your exposure:
- Store statements in an encrypted folder (a VeraCrypt volume or a digital vault offered by some online services)
- Never send a statement by unencrypted email, especially to a third party (such as a landlord or accountant): use a secure, password-protected link instead
- Delete temporary copies after transferring the file, including from your phone’s trash folder
A bank statement alone is not always sufficient evidence in a dispute. For a disputed transaction, keeping the related invoice, contract, or correspondence also helps document the full context. The statement confirms the financial transaction; the supporting documents explain its purpose.
