Fortuneo — French digital-direct bank and brokerage operated by Credit Mutuel Arkea, headquartered in Brest, supervised by ACPR.
- HQ
- Brest
- Customers
- 1M+ customers
- Connection
- PSD2 (read-only)
Current accounts and salary inflows
Your Fortuneo 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 Fortuneo 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 Fortuneo 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
Not yet supportedWhere 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
- Monoprix
- Amazon
- SNCF
- Apple
- Booking.com
- Decathlon
Detected subscriptions
- Netflix
- Spotify
- Canal+
- Disney+
- Orange
- Bouygues Telecom
- Compare my Fortuneo brokerage commissions with last quarter.
- How much sits across my Fortuneo compte courant, Livret A and PEA?
- List every recurring Canal+, Orange and Bouygues Telecom payment on my account.
- What's the next direct debit due on my Fortuneo account?
- Bank
BNP Paribas
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Credit Agricole
France's largest banking group by retail customers; surfaced in Bank AI.
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Societe Generale
Paris global bank with strong retail and capital markets; surfaced in Bank AI.
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🇫🇷 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 Fortuneo account?
No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Fortuneo. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Fortuneo app.
How does Bank AI connect to Fortuneo?
Fortuneo 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.
Are my Fortuneo brokerage and PEA positions surfaced in Bank AI?
Where Fortuneo exposes brokerage / PEA / compte-titres holdings under PSD2, equity, ETF and bond positions are read alongside the compte courant.
Does Bank AI surface my Fortuneo Livret A and assurance-vie?
Yes. Livret A, LDDS, LEP and the PEA are read as distinct wrapper-aware accounts. Where Fortuneo exposes the assurance-vie product via PSD2, anciennete is visible alongside the supports.
Is Fortuneo the same as Credit Mutuel Arkea?
Fortuneo is operated by Credit Mutuel Arkea as a separate digital-direct brand. Bank AI reads each one as its own connection.
What happens if Fortuneo raises a connectivity error?
PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Fortuneo-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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