With Banet sent to the trash for a yellow card after the restart, England scored a try by Lark Davies to cut the deficit to five points, but Caroline Drouin went 18-10 for France with a penalty.
Banet crossed the finish line again to inflate France’s lead to 23-10 before Poppy Cleall, then Ellie Kildunne scored, attempting to bring the Six Nations champions back into the game.
England trailed 22-23 and got a penalty in the last minute. World Player of the Year Scarratt, one of many to enter the game on time, made no mistake to seal the victory for Simon Middleton’s side.
England and France are set to meet at next year’s World Cup in New Zealand after being drawn in the same pool.