Banque Populaire / Caisse d'Epargne — Groupe BPCE is the second-largest French banking group, comprising Banque Populaire and Caisse d'Epargne networks plus Natixis, supervised by ACPR and the ECB.
- HQ
- Paris
- Customers
- 35M+ customers across the BPCE group
- Connection
- PSD2 (read-only)
Current accounts and salary inflows
Your Banque Populaire / Caisse d'Epargne current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.
Savings, deposits and pots
Easy-access savings, fixed-term deposits and goal-based pots offered by Banque Populaire / Caisse d'Epargne are read alongside the current account so the full balance is never split.
Cards and recurring spend
Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.
Standing orders and direct debits
Mortgage payments, rent, utilities and SEPA direct debits hitting your Banque Populaire / Caisse d'Epargne account are detected so non-discretionary outflows are clear month-on-month.
Current accounts
Read by Bank AIRead-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.
Savings accounts
Read by Bank AIEasy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.
Joint accounts
Read by Bank AIJoint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.
Business accounts
Read by Bank AIWhere the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.
Multi-currency balances
Not yet supportedMulti-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.
Debit and credit cards
Read by Bank AICard-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.
Auto-classified merchants
- Carrefour
- Leclerc
- Intermarche
- Auchan
- Monoprix
- SNCF
- TotalEnergies
- Amazon
Detected subscriptions
- Netflix
- Spotify
- Canal+
- Disney+
- Orange
- Free
- How much sits across my Caisse d'Epargne compte courant, Livret A and PEA?
- Compare my Banque Populaire card spend at Carrefour and Intermarche with last quarter.
- List every recurring Canal+, Orange and Free payment on my BPCE account.
- What's the next direct debit due on my Banque Populaire / Caisse d'Epargne account?
- Bank
BNP Paribas
Paris global bank; compte courant, Livret A and PEA surfaced in Bank AI.
→ - Bank
Credit Agricole
France's largest banking group by retail customers; surfaced in Bank AI.
→ - Bank
Societe Generale
Paris global bank with strong retail and capital markets; surfaced in Bank AI.
→ - Country
🇫🇷 France
France implements PSD2 via the ACPR, with the Banque de France handling AISP licensing in coordination with the European Banking Authority.
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Does Bank AI move money on my Banque Populaire / Caisse d'Epargne account?
No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Banque Populaire / Caisse d'Epargne. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Banque Populaire / Caisse d'Epargne app.
How does Bank AI connect to Banque Populaire / Caisse d'Epargne?
Banque Populaire / Caisse d'Epargne exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.
Is Banque Populaire the same as Caisse d'Epargne?
Both are independent regional networks within Groupe BPCE, with different brands, distinct regional federations and their own customer bases. Bank AI reads each one as its own connection.
Which specific regional Banque Populaire or Caisse d'Epargne will Bank AI connect to?
Each network runs regional federations, each with its own banking licence under one BPCE umbrella. When you start a connection you pick your specific federation from a searchable list.
Does Bank AI surface my Livret A, LEP and PEA at BPCE?
Yes. Livret A, LDDS, LEP and the PEA are read as distinct wrapper-aware accounts under your BPCE connection. The PEA 5-year tax-advantage clock and the EUR 150,000 contribution cap remain visible.
What happens if Banque Populaire / Caisse d'Epargne raises a connectivity error?
PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Banque Populaire / Caisse d'Epargne-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.
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