A high-quality "Créer un compte" flow should meet several standards:

If an account requires manual approval, users should be clearly notified that it is "under review" to avoid confusion during login.

Security checks (like ID uploads or selfies) should be streamlined to prevent users from abandoning the process.

“Personally, "Create an account" sounds like more work than "Sign up".” User Experience Stack Exchange · 14 years ago Key Criteria for a Good Account Creation Process

Using modern terms like "My Money" instead of "Checking Account" can make the process feel more accessible to younger users. Troubleshooting "Account Under Review"