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LCL — French retail bank headquartered in Lyon, owned by Credit Agricole, supervised by ACPR.

HQ
Lyon
Customers
6M+ customers
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your LCL 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 LCL 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 LCL 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
  • Monoprix
  • SNCF
  • TotalEnergies
  • La Poste
  • Amazon

Detected subscriptions

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

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

Does Bank AI move money on my LCL account?

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

How does Bank AI connect to LCL?

LCL 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 LCL the same as Credit Agricole?

LCL is owned by Credit Agricole but operates a separate banking licence and brand. Bank AI reads each one as its own connection, so an LCL relationship and a Credit Agricole account stay distinct.

Does Bank AI surface my LCL Livret A and PEA?

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

What about my LCL credit card?

LCL credit cards (Carte Visa, Carte MasterCard variants) are read as their own facility under your LCL connection, with statement balances and the next direct-debit settlement date surfaced.

What happens if LCL raises a connectivity error?

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