What are the payment methods?

The means of payment applicable in your country are detailed in the local supplement available on this website.

How much can you invest?

• No minimum investment.
  
  
• Maximum:

• Your total contribution in 2026 must not exceed 25% of your gross annual salary for 2026 (including bonuses, premiums, etc.).
• If you participate in the ESOP Leverage offer, you must also take into account the contribution of the bank to the offer which is equal to 9 times the amount of your personal contribution for the calculation of the limit.
• On the other hand, the matching contribution offered in the ESOP Classic offer shall not be taken into account.
  
  

Please note: 
The final exchange rate will be determined at the same time as the subscription price (based on the exchange rate on July 28, 2023). To facilitate your reservation, you will be provided with an indicative temporary exchange rate that will allow you to estimate the amount of your investment in euros. Your investment amount will be set in your local currency and will be processed based on the final exchange rate. 
If, between the reservation period and the subscription/cancellation period:

• Your currency has increased in value against the euro: your final investment amount in euros will be higher than the indicative amount based on the temporary exchange rate,
• Your currency has decreased in value against the euro: your final investment amount in euros will be lower than the indicative amount based on the temporary exchange rate.

What are the taxes applicable to ESOP 2026? 

Depending on your country, you may be subject to tax and social security charges, where applicable, upon subscription (with respect to the discount, matching contribution or payment facilities), during the investment period and/or when you exit the plan. 
Please read the "local supplement" for your country which contains general information on taxation applicable to the offer in your country.

What happens if demand exceeds
the number of shares offered in ESOP 2026?

The maximum number of shares offered in ESOP 2026 corresponds to 1.5% of the share capital, within the limit of the total subscription amount of 55 million euros. 
If the number of shares resulting from the subscription requests exceeds this limit, the number of shares allocated to each subscriber will be calculated as follows:

• The total number of shares offered will be divided by the number of subscribers to obtain the “average subscription”.
• All subscriptions of an amount equal to or less than this “average subscription” will be served in total.
• All subscriptions for a number of shares greater than the “subscription average” will be served in proportion to the number of shares requested and not yet allocated, and up to the limit described above.

In case of use of several payment methods, subscriptions paid by direct debit from your bank account or wire transfer to your employer will be reduced first and subscriptions paid by salary deductions will be reduced thereafter.

Please note that the payment transactions will be carried out after the calculation of the potential reduction. 

How can you participate?

You can participate in just a few clicks:

1. Click on the "Participate in ESOP 2026" button.
2. Confirm your identity using the instructions sent to you by e-mail or by post.
3. Read the legal conditions for participating in ESOP 2026.
4. Fill in the reservation screen.
5. Confirm your reservation 
6. Download the PDF summary of your subscription. 

For more information, please consult the Q & A page.