- Connettori attivi
- 189
- Copertura del mercato
- 96%
- Autorita di vigilanza
- ACPR
- Valuta
- EUR
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.
BNP Paribas
Major retail and corporateFrance's largest bank by assets and one of Europe's largest banking groups.
Credit Agricole
Cooperative networkMutual banking group with the deepest rural and regional retail footprint in France.
Societe Generale
Major retail and corporateMajor French commercial bank with a strong online arm (Boursorama).
BPCE / Banque Populaire / Caisse d'Epargne
Cooperative networkFrance's second-largest banking group, organised as cooperative regional banks.
Credit Mutuel
Cooperative networkMutual banking group with a particularly strong eastern-France presence.
La Banque Postale
Postal / retailBanking arm of La Poste, with strong retail penetration outside major cities.
Boursorama Banque
Direct bankLargest online bank in France, owned by Societe Generale.
Fortuneo
Direct bank / brokerageOnline bank and broker owned by Credit Mutuel Arkea.
Hello Bank!
Direct bankMobile-first bank operated by BNP Paribas.
Revolut France
NeobankEuropean neobank operating under a Lithuanian banking licence, with millions of French users.
N26 France
NeobankGerman neobank with a sizeable French customer base.
LCL
Retail bankRetail bank brand within the Credit Agricole group, primarily urban.
Banche internazionali disponibili qui
Reti e gruppi
- 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.
Non trovi la tua banca?
La copertura di Bank AI va oltre i nomi mostrati qui e comprende il lungo elenco di banche cooperative, regionali e digital-only. Se la tua banca non e indicata, scrivici e confermeremo la copertura.
1. Collega i tuoi conti
Banche, broker, fondi pensione e wallet crypto via partner di open banking autorizzati PSD2. Sola lettura per impostazione predefinita.
2. Vedi il quadro completo
Patrimonio, cash flow mensile, spese, risparmi, investimenti e crypto - nella tua valuta, aggiornati automaticamente.
3. Lascia che l'IA faccia il lavoro pesante
Categorizzazione, avvisi di anomalia, previsioni di risparmio e un chat che risponde in linguaggio naturale sul tuo denaro.
Autorite de Controle Prudentiel et de Resolution (ACPR)PSD2 / DSP2 (French implementation via Banque de France)
Tax wrappers we surface
PEA, assurance-vie, PER, compte-titres
ACPR-supervised brokers and major assurance-vie underwriters (Generali, Cardif, Suravenir, Spirica, SwissLife, Abeille) are covered; positions sit inside the right wrapper, not lumped together as one bucket.
Brokers and platforms covered for French investors
- BoursoBank
- Bourse Direct
- EasyBourse
- Fortuneo
- Trade Republic
- Saxo Bank
Broker, prodotti patrimoniali ed exchange collegabili
Selezione curata degli istituti wealth-capable che Bank AI collega in questo mercato. Tocca una scheda per vedere posizioni, prodotti e dati fiscali che Bank AI legge dal fornitore.
Broker e piattaforme di trading(9)
Trade Republic
EUBerlin-headquartered broker with an EU banking licence, popular for fractional shares, ETFs and savings plans across Europe.
Saxo Bank
EUDanish bank and broker offering multi-asset trading (stocks, ETFs, bonds, futures, FX) across the EU and UK.
Degiro
EUDutch low-cost broker (now part of flatexDEGIRO) operating across the EU and UK; one of the largest retail brokers in Europe.
eToro
EUMulti-asset broker known for social-trading; stocks, ETFs, crypto and CFDs depending on local licensing.
BoursoBank
France's largest online bank (formerly Boursorama Banque), Societe Generale subsidiary; combined banking and brokerage account.
Bourse Direct
ACPR/AMF-regulated French online broker covering equities, ETFs, derivatives and PEA/PEA-PME wrappers.
EasyBourse
Online brokerage subsidiary of La Banque Postale, focused on PEA, compte-titres and ETF investing.
Fortuneo
French online bank and broker owned by Credit Mutuel Arkea; PEA, compte-titres and assurance-vie products.
Sicavonline
French distributor of mutual funds and assurance-vie products; supervised by ACPR.
Polizze vita, pensioni e prodotti di gestione patrimoniale(17)
Abeille Assurances
French life-insurer (formerly Aviva France); assurance-vie contracts are a major retail wealth wrapper in France.
Afer
French member-association distributing one of the country's largest assurance-vie contracts.
AG2R La Mondiale
French mutualist insurance group covering retirement, life-insurance and salary-savings products.
Allianz
Global insurer; in France and across the EU it distributes assurance-vie, retirement and asset-management products.
Amundi
Europe's largest asset manager; distributes mutual funds, ETFs and salary-savings plans across the EU.
AXA Wealth Management
Wealth-management arm of AXA in France; assurance-vie, retirement and discretionary mandates.
Cardif
BNP Paribas Cardif: life-insurance and creditor-protection arm of BNP Paribas, with a deep French assurance-vie business.
Generali
Italian-headquartered global insurer; life-insurance and pension products across France, Italy and Germany.
LinXea
French online distributor of low-fee assurance-vie and retirement contracts.
Suravenir
Life-insurance arm of Credit Mutuel Arkea; underwrites a large share of online assurance-vie in France.
Spirica
Life-insurance subsidiary of Credit Agricole Assurances; underwrites flexible assurance-vie contracts.
SwissLife
Swiss-headquartered insurer with a large French assurance-vie and retirement-savings book.
Yomoni
French digital wealth manager; AMF-regulated discretionary mandates inside assurance-vie and PEA.
Ramify
French digital wealth manager focused on diversified portfolios across assurance-vie, PEA and private equity.
Nalo
French digital wealth advisor offering goal-based assurance-vie portfolios.
Goodvest
French digital wealth manager focused on Paris Agreement-aligned, ESG-screened assurance-vie portfolios.
Meilleurtaux Placement
French wealth-distribution platform offering assurance-vie, real-estate and retirement products.
Banche con divisione wealth o brokerage(13)
BNP Paribas
France's largest bank by assets; the wealth-management arm surfaces investment positions alongside retail cash accounts.
Credit Agricole
French cooperative banking group; the largest retail bank in France with a deep wealth and life-insurance footprint.
Credit Mutuel
French mutual banking group; covers retail, brokerage and life-insurance wrappers across regional federations.
Societe Generale
Major French bank with a private-banking arm and a strong online-investing brand (BoursoBank).
Caisse d'Epargne
Cooperative regional banks within the BPCE group; live-savings wrappers (Livret A, PEL) plus securities accounts.
LCL
French retail bank within the Credit Agricole group; brokerage and assurance-vie products to retail customers.
La Banque Postale
Banking arm of La Poste; investment products including assurance-vie and the EasyBourse brokerage subsidiary.
Hello Bank!
Mobile-first French bank operated by BNP Paribas; integrated brokerage account.
BRED
French cooperative regional bank within the BPCE group; retail, brokerage and wealth products.
CIC
Credit Industriel et Commercial, a French commercial bank within Credit Mutuel Alliance Federale.
Banque Edmond de Rothschild
Independent private bank focused on wealth management and asset management for high-net-worth clients.
Milleis
French private bank specialising in wealth management; successor to Barclays France's retail business.
AXA Banque
AXA's French banking subsidiary; integrated savings, brokerage and assurance-vie distribution.
Exchange crypto e wallet(6)
Binance
EUGlobal crypto exchange; EU operations are routed through entities registered with national VASP regimes.
Coinbase
EUUS-listed (NASDAQ: COIN) crypto exchange with an Irish entity (Coinbase Ireland) covering the EU.
Bitpanda
EUVienna-headquartered fintech offering crypto, stocks, ETFs and metals; EU passporting via Austrian licensing.
Kraken
EUUS-headquartered crypto exchange with Irish entity for EU customers and FCA registration in the UK.
Crypto.com Exchange
EUGlobal crypto exchange and card-issuing fintech; EU operations routed through national VASP registrations.
Paymium
French crypto exchange registered with the AMF as a Prestataire de Services sur Actifs Numeriques (PSAN).
Investing in France - frequently asked questions
Can Bank AI track my PEA and compte-titres separately?
Yes. PEA and compte-titres are surfaced as distinct wrapper-aware accounts inside Bank AI, with their own positions, gains and dividends, so the 5-year PEA tax-advantage clock is visible alongside the unrestricted compte-titres. Mixing the two into a single "investments" bucket would misrepresent the tax position - we deliberately do not.
Mon assurance-vie est-elle correctement representee?
Oui. Les principaux assureurs - Generali, Cardif, Suravenir, Spirica, SwissLife, Abeille - exposent les supports en unites de compte et le fonds en euros via les partenaires AISP. Bank AI presente chaque contrat avec son anciennete et la repartition UC / fonds euros, conditions cles pour l'abattement fiscal apres 8 ans.
Quels courtiers francais sont supportes?
BoursoBank, Bourse Direct, EasyBourse, Fortuneo, ainsi que les courtiers paneuropeens accessibles aux residents francais (Trade Republic, Saxo Bank, Degiro, eToro). Les banques de detail avec activite courtage - BNP Paribas, Credit Agricole, Societe Generale, LCL - sont egalement couvertes ou en cours d'integration selon le connecteur.
Bank AI calcule-t-il l'IFU et les plus-values automatiquement?
Non - Bank AI est une app argent, pas un outil fiscal. Nous restituons les dividendes, cessions et arbitrages dans un export clair, mais l'Imprime Fiscal Unique (IFU) reste produit par le courtier ou l'assureur. Pour la flat-tax 30% et l'optimisation PEA / assurance-vie, un outil fiscal dedie reste plus precis.
Mes donnees restent-elles en France ou dans l'UE?
Les donnees bancaires, broker et assurance-vie sont traitees dans des regions UE par defaut. Bank AI est conforme RGPD, l'acces aux comptes est delivre par des AISP supervises par l'ACPR ou un autre regulateur europeen, et le chiffrement utilise AES-256 avec gestion de cles dans un KMS UE.
| Bank AI | Linxo, Bankin', native bank apps | |
|---|---|---|
| Multibanca, multi-paese | Si | Parziale |
| Assistente IA basato sui tuoi dati reali | Si | No |
| Dati ospitati in UE, GDPR per default | Si | Parziale |
| Pronto per la crypto (in costruzione) | Parziale | No |
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.
🇫🇷 Francia
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