From my experience in France everything was very bureaucratic. A few examples: If you need to see someone clerks from the bank don't know how to do anything and so any slightly complex operation they would need to call someone from a call center who knew how to deal with it. And usually you needed to take an appointment at least one week in advanced to see a counselor. You also can not go to any bank office to manage your accounts, you need to be registered in a particular bureau and if you needed to do anything you can only do it at this particular bureau. Everything requires a lot of negotiation and guiding bureaucrats. Most of the user service its done through the phone and you need to pay for the call.