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La Banque Postale — French retail bank operating from La Poste's nationwide branch network, supervised by ACPR.

HQ
Paris
Customers
20M+ customers
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your La Banque Postale 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 La Banque Postale 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 La Banque Postale 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

  • La Poste
  • Carrefour
  • Leclerc
  • Monoprix
  • SNCF
  • TotalEnergies
  • Amazon
  • Decathlon

Detected subscriptions

  • Netflix
  • Spotify
  • Canal+
  • Disney+
  • Orange
  • La Poste Mobile

  • How much sits across my La Banque Postale CCP, Livret A and PEA?
  • List every recurring La Poste Mobile, Orange and Canal+ payment on my account.
  • Compare my La Banque Postale card spend at Carrefour with last quarter.
  • What's the next direct debit due on my La Banque Postale account?

Does Bank AI move money on my La Banque Postale account?

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

How does Bank AI connect to La Banque Postale?

La Banque Postale 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 work with La Banque Postale's CCP (compte cheque postal)?

Yes. The CCP is La Banque Postale's flagship current account and is read identically to any other compte courant - the connection is at account level.

What about my La Banque Postale Livret A and LDDS?

Livret A, LDDS, LEP and the PEA are read as distinct wrapper-aware accounts under your La Banque Postale connection, with the regulated rates visible.

Is La Banque Postale Mobile a separate connection?

La Poste Mobile (the telecoms provider) is owned by La Banque Postale parent group but isn't a banking product. Where you have a La Banque Postale current account, the connection is at the bank level - your La Poste Mobile bill appears as a recurring outflow.

What happens if La Banque Postale raises a connectivity error?

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