I live in France and have been using Panorama since forever.
Every month I import a file from my bank’s site (a major French bank, actually the ex-state bank) with the activity on my account for the last month. I usually ask for a TSV file but this time I requested a “CSV” file. And I confirm that, indeed, the separator is a semicolon, which is logical as the decimal point is a comma, and there are lots of them.
Hope this helps.