BNP Paribas is the worst bank I have ever experienced - and I have done business with about 6 banks from the USA and in developing countries, and the poorest country in Europe. My review echoes the same points as all the previous reviews. The bank has unbelievably high fees, like I've never seen before. The bank employees are incompetent, unhelpful, and useless. The bank and its policies are so inefficient, inept, restrictive, impracticable, and stringent that it renders basic transactions nearly impossible. It is ridiculous: a bank that does not let you use your own money. What is the point of a bank if it fails to do all of the basic functions? You cannot deposit money in it freely, you cannot withdraw money unless it's a tiny amount, you cannot transfer money outside of Eurozone, you cannot speak to staff (usually unavailable), you will get charged $90 per year for all this lack of service, etc, etc, etc. Examples: 1. It took 2 months to open my bank account despite having the right documentation and money. 2. Without warning or consent, they began to charge me about 90 dollars per year in 2016, without ever consulting me, without my permission. By the time I saw that they had already taken the money out, I called and email, but they refused to reimburse or resolve the problem. 3. One clueless/ incompetent/ malicious counselor relentlessly threatened that she would closed down my account because I moved out out of the country -- when BNP actually allows all people who move out to keep their account, and other BNP employees I spoke with confirmed it, and has branches specifically dedicated to people living abroad. Apparently she had no idea or missed her training, and chose to keep threatening me, which caused me much stress and anxiety and minor trauma. 4. The bank and counselor is never available. You are assigned to 1 branch only - every time I call, nobody answers. 5. They change your counselor every couple of months - In 2 years that I had the bank, I had about 5 counselors. 6. You cannot deposit money into your account: I exchanged $2,000 and the bank would not allow me to put them in my account, not even in small parts, without producing several pieces of document where the money was coming from. And if you try to deposit money in small amounts, they call you in the bank to ask where the money is coming from -- they assume that you are a terrorist unless you provide 100 pieces of evidence documents to justify YOUR OWN Money!! 7. You cannot withdraw money from it - the limit that you can withdraw is so low that it is not possible to live with it and is virtually useless. This was especially hard when I was working in foreign aid in a developing country, with cash economy, and had to beg them to increase my limit or else I wouldn't be able to survive in the country without the cash. 8. The employees are plain and simple incompetent. They were nice, but it took 2 young men to try to open my bank account (aka input my name and address into their system). One counselor was could not even locate the closest BNP branch to my address even with the map of my address and surrounding BNP banks on her computer screen. 9. It took 4 months to change my address. (This was the point when the malicious counselor also threatened to close down my account altogether because my new address was abroad. Even though BNP allows accounts for people who move abroad. 10. Everything is done through snail mail. Makes everything take weeks or months. 11. The security features are so high and overly excessive (and even involve SnailMail codes, that they prevent people from using their own accounts. This defeats the purpose of the bank. BNP Paribas needs to enter into 2018, it is still 100 years behind. I can go on and on. I have never been so frustrated, and disappointing with a service like this ever before. Dealing with them for even the smallest inquiry became so stressful that it gave me minor trauma and great anxiety, and I still suffer from those feelings. I have seen banks in third world, developing countries that provide better service. Please do yourself a favor and use another bank. Never ever this one.