Bank AI
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France

France banking app - connect 189+ banks in one place

France is Bank AI's third largest launch market. Between the four cooperative giants (Credit Agricole, BPCE, Credit Mutuel and La Banque Postale), the major commercial banks (BNP Paribas, Societe Generale, LCL), the dominant online banks (Boursorama, Fortuneo) and the neobanks (Revolut, N26), Bank AI's 189 activated connectors cover essentially the entire French retail banking market.

Active connectors
189
Retail coverage
96%
Regulator
ACPR
Currency
EUR

Why Bank AI

Three things you should know:

  • France implements PSD2 via the ACPR, with the Banque de France handling AISP licensing in coordination with the European Banking Authority.

  • France has the deepest cooperative banking sector in Europe (Credit Agricole, BPCE, Credit Mutuel together account for the majority of household current accounts).

  • The DSP2 framework imposes Strong Customer Authentication every 90 days for AISP connections, which Bank AI's UI handles transparently with a single re-consent flow.

Banks we support

  • BNP Paribas

    Major retail and corporate

    France's largest bank by assets and one of Europe's largest banking groups.

  • Credit Agricole

    Cooperative network

    Mutual banking group with the deepest rural and regional retail footprint in France.

  • Societe Generale

    Major retail and corporate

    Major French commercial bank with a strong online arm (Boursorama).

  • BPCE / Banque Populaire / Caisse d'Epargne

    Cooperative network

    France's second-largest banking group, organised as cooperative regional banks.

  • Credit Mutuel

    Cooperative network

    Mutual banking group with a particularly strong eastern-France presence.

  • La Banque Postale

    Postal / retail

    Banking arm of La Poste, with strong retail penetration outside major cities.

  • Boursorama Banque

    Direct bank

    Largest online bank in France, owned by Societe Generale.

  • Fortuneo

    Direct bank / brokerage

    Online bank and broker owned by Credit Mutuel Arkea.

  • Hello Bank!

    Direct bank

    Mobile-first bank operated by BNP Paribas.

  • Revolut France

    Neobank

    European neobank operating under a Lithuanian banking licence, with millions of French users.

  • N26 France

    Neobank

    German neobank with a sizeable French customer base.

  • LCL

    Retail bank

    Retail bank brand within the Credit Agricole group, primarily urban.

International banks available here

  • Wise

    International account

    Multi-currency account; in France Wise operates via Wise Europe SA under its Belgian e-money licence.

Networks and groups

  • Caisses Regionales du Credit Agricole(39+)Regional cooperative banks under the Credit Agricole umbrella.
  • Banques Populaires regionales(14+)Regional cooperative banks within BPCE.
  • Caisses d'Epargne regionales(15+)Regional savings banks within BPCE.
  • Federations Credit Mutuel(18+)Regional federations of the Credit Mutuel cooperative group.

Don't see your bank?

Bank AI's coverage extends well beyond the names listed here, including the long tail of cooperative, regional and online-only institutions. If your bank isn't shown, get in touch and we'll confirm coverage.

Check coverage

How Bank AI works

Bank AI connects French banks under PSD2 (DSP2 in France), supervised by the ACPR and the Banque de France. Read access is the default and Strong Customer Authentication is enforced every 90 days, exactly as the regulation requires.

  1. 1. Connect your accounts

    Link banks, brokers, pensions and crypto wallets through PSD2-licensed open-banking partners. Read-only by default.

  2. 2. See the whole picture

    Net worth, monthly cash flow, spending, savings, investments and crypto - in your home currency, refreshed automatically.

  3. 3. Let the AI do the heavy lifting

    Categorisation, anomaly alerts, savings forecasts and a chat that answers plain-language questions about your money.

Regulation and trust

The Autorite de Controle Prudentiel et de Resolution (ACPR) is the competent authority for AISP/PSIC licensing in France. The Autorite des Marches Financiers (AMF) supervises crypto-asset service providers (PSAN). Bank AI integrates with partners that hold the licences directly.

Autorite de Controle Prudentiel et de Resolution (ACPR)PSD2 / DSP2 (French implementation via Banque de France)

How Bank AI compares

French users today are typically loyal to a single primary bank but rely on side apps (Linxo, Bankin', the in-app multibanking of their main bank) to see their other accounts.

Bank AILinxo, Bankin', native bank apps
Multi-bank, multi-country viewYesPartial
AI assistant grounded in your real dataYesNo
EU data residency, GDPR by defaultYesPartial
Crypto-ready (in build)PartialNo

Frequently asked questions

Quelles banques francaises Bank AI peut-il connecter?

Bank AI se connecte aux grandes banques commerciales (BNP Paribas, Societe Generale, LCL, La Banque Postale), aux groupes mutualistes (Credit Agricole, BPCE, Credit Mutuel), aux banques en ligne (Boursorama, Fortuneo, Hello Bank!) et aux neobanques (Revolut, N26). La couverture totale est d'environ 189 connecteurs, ce qui represente la quasi-totalite du marche de la banque de detail.

Bank AI est-il regule par l'ACPR?

Bank AI est une application de gestion d'argent, ce n'est pas une banque. L'acces aux donnees de comptes passe par des partenaires d'open banking agrees comme Prestataire de Services d'Information sur les Comptes (PSIC / AISP) sous la DSP2, supervises par l'ACPR ou par un autre superviseur europeen.

L'authentification forte (DSP2) est-elle prise en charge?

Oui. Bank AI integre l'authentification forte (Strong Customer Authentication) requise par la DSP2 et vous demande de re-confirmer une connexion bancaire tous les 90 jours, comme l'exige la reglementation. Vos identifiants ne sont jamais stockes en clair par Bank AI.

Comment Bank AI gere-t-il mes donnees sous le RGPD?

Les donnees sont hebergees en region europeenne, traitees conformement au RGPD et a la loi Informatique et Libertes, et vous gardez en permanence vos droits d'acces, de rectification et de suppression. Bank AI ne vend jamais vos donnees et n'execute des fonctionnalites IA que sur les donnees que vous avez explicitement activees.

Bank AI fonctionne-t-il avec mon Livret A et mon assurance-vie?

Les livrets reglementes (Livret A, LDDS, LEP) sont supportes des qu'ils sont exposes via l'API PSD2 de votre banque. Les contrats d'assurance-vie sont integres au fur et a mesure que les partenaires d'aggregation ouvrent leurs flux - voir la roadmap.

Bank AI accepte-t-il les comptes en Belgique et au Luxembourg?

Oui. Si vous etes francophone et que vous avez un compte en Belgique ou au Luxembourg, l'experience Bank AI en francais s'applique automatiquement. Une page dediee /fr/banques/belgique est disponible pour le marche belge.

Bank AI permet-il d'acheter du crypto en France?

L'acces au crypto est en cours de developpement et passera par des partenaires PSAN enregistres aupres de l'AMF. Bank AI ne fait pas de garde directe de cryptos.

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🇫🇷 France

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