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Caisse d'Epargne — French cooperative regional banks within Groupe BPCE, with origins in 1818, supervised by ACPR and the ECB; live-savings wrappers and securities accounts.

HQ
Paris
Customers
Cooperative banks since 1818
Connection
DSP2 (read-only)

  • Current accounts and salary inflows

    Your 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 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 Caisse d'Epargne account are detected so non-discretionary outflows are clear month-on-month.

  • Current accounts

    Read by Bank AI

    Read-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 AI

    Easy-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 AI

    Joint 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 AI

    Where 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 supported

    Multi-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 AI

    Card-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
  • Auchan
  • Decathlon
  • Fnac
  • SNCF
  • La Poste
  • Amazon France

Detected subscriptions

  • Canal+
  • Netflix
  • Spotify
  • Orange
  • Free
  • Disney+ France

  • What's my total Caisse d'Epargne balance across compte courant, Livret A and LDDS today?
  • How much PEA capacity do I have left this year across Caisse d'Epargne and BoursoBank?
  • List every Caisse d'Epargne SEPA direct debit due next month.
  • Compare Caisse d'Epargne assurance-vie performance against my Linxea contract.

Does Bank AI move money on my Caisse d'Epargne account?

No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Caisse d'Epargne. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Caisse d'Epargne app.

How does Bank AI connect to Caisse d'Epargne?

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.

Does Bank AI surface my Caisse d'Epargne Livret A and LDDS?

Yes. Livret A, LDDS and Livret Jeune balances are read as distinct sub-balances under your Caisse d'Epargne connection, with the regulated cap and rate visible alongside the compte courant.

Does Bank AI read my Caisse d'Epargne PEA and compte-titres?

Where Caisse d'Epargne exposes PEA, compte-titres and assurance-vie positions over DSP2, Bank AI reads holdings position-level alongside the cash accounts so the wealth and cash views are joined.

How does Bank AI handle the regional Caisse d'Epargne entities?

The 15 regional Caisses d'Epargne (Ile-de-France, Cote d'Azur, Rhone-Alpes, etc.) operate under one shared brand but distinct legal entities. Bank AI reads them all under the Caisse d'Epargne connection and surfaces the regional sub-entity in the connection metadata.

What happens if Caisse d'Epargne raises a connectivity error?

PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a 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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