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CIC — French retail and corporate bank within Credit Mutuel Alliance Federale, supervised by ACPR.

HQ
Paris
Customers
5.6M+ customers
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your CIC 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 CIC 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 CIC 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
  • Monoprix
  • Auchan
  • SNCF
  • TotalEnergies
  • La Poste
  • Amazon

Detected subscriptions

  • Netflix
  • Spotify
  • Canal+
  • Disney+
  • Orange
  • SFR

  • How much sits across my CIC compte courant, Livret A and PEA?
  • Compare my CIC card spend at Auchan and Carrefour with last quarter.
  • List every recurring Canal+, Orange and SFR payment on my CIC account.
  • What's the next direct debit due on my CIC account?

Does Bank AI move money on my CIC account?

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

How does Bank AI connect to CIC?

CIC 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 CIC the same as Credit Mutuel?

CIC is owned by Credit Mutuel Alliance Federale but operates a separate banking licence and brand. Bank AI reads each one as its own connection.

Does Bank AI surface my CIC Livret A and PEA?

Yes. Livret A, LDDS, LEP and the PEA are read as distinct wrapper-aware accounts under your CIC connection.

What about my CIC business / pro accounts?

Where CIC exposes business / pro / micro-entreprise accounts via PSD2, they appear under your CIC connection and are tagged separately for clean SME reporting.

What happens if CIC raises a connectivity error?

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