Afer — France's largest assurance-vie association (founded 1976) with 780k+ members and EUR 56bn outstanding; contracts underwritten by Abeille Assurances Vie and supervised by the ACPR.
- Scale
- EUR 56bn outstanding
- Wrappers
- Vie + PER
- Connection
- Read-only
Funds en euros AFER
The flagship capital-protected sleeve reads into Bank AI with current value, cumulative gross interest and net of UC fees, in your home currency.
Unites de compte multi-gestionnaires
Equity, bond and Afer ISR (ESG) UCs are surfaced as separate sub-positions so allocation maths is honest about the protected vs. at-risk split.
Afer Avenir (PER)
Retirement balances are tagged separately from assurance-vie so liquidity and tax treatment are never conflated.
Versements and rachats
Recurring versements and any rachats partiels are tagged with cumulative cost basis so the audit trail per disposal is preserved.
- Compte Afer (multi-supports assurance-vie)
- Afer Avenir (PER)
- Funds en euros AFER
- Unites de compte multi-gestionnaires
- Afer ISR (ESG)
- Headquarters
- Paris, France
- Founded
- 1976
- Parent group
- Association membership; underwritten by Abeille Assurances Vie
- Regulator
- ACPR (via underwriter Abeille Assurances Vie)
- What is my Afer Funds en euros balance vs. my unites de compte allocation?
- How much have I contributed to Afer year-to-date?
- Show me Afer's net rendement servi over the last 5 years.
- What share of my net worth sits inside assurance-vie wrappers?
- Provider
Abeille Assurances
French life-insurance arm of Aema Groupe (ex-Aviva France); EUR 71bn AUM, ACPR-supervised, surfaced read-only in Bank AI.
→ - Provider
AG2R La Mondiale
French mutualist insurance group; EUR 130bn AUM, strong PER / Madelin / Article 83 franchise, surfaced read-only in Bank AI.
→ - Provider
Allianz
Munich-HQ global insurer (XETRA: ALV); EUR 760bn AUM across DE/FR/IT/ES, surfaced read-only in Bank AI.
→ - Provider
Amundi
Europe's largest asset manager (Credit Agricole); EUR 2.2tn AUM, PER / ETFs / mandates surfaced read-only in Bank AI.
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Does Bank AI place arbitrages on my Afer contract?
No. Bank AI is read-only by design. We surface positions, the funds en euros vs. unites de compte split, contributions and rachats so you can see the picture, but every arbitrage continues to happen via the Afer association or your distributor. We never move member funds.
How does Bank AI connect to Afer?
Bank AI connects via licensed open-banking and aggregation partners that hold the AISP / DSP2 permissions needed to read assurance-vie and PER positions. Read-only access is enforced — Bank AI cannot move funds inside the contractual sleeve.
Who underwrites Afer contracts?
Abeille Assurances Vie underwrites Afer contracts under ACPR supervision. Member assets sit on the underwriter's balance sheet under the French Code des assurances. The Afer association represents the members; the underwriter holds the contractual sleeve.
Are my Afer Avenir (PER) contributions tracked separately?
Yes. Afer Avenir balances are tagged separately from assurance-vie because liquidity and tax treatment differ — PER is locked until retirement (with limited exit conditions), and contributions can be deductible from taxable income subject to PER caps.
Does Bank AI calculate the prelevement forfaitaire unique?
No. Bank AI surfaces the rachats, contributions and gains that drive the calculation but the filing itself (PFU 30 percent, PFL on rachats partiels above 8 years, abattement of EUR 4,600 / EUR 9,200 above 8 years) is best handled by your accountant or via Afer's annual statement (IFU).
Is my Afer data sent outside the EU?
No. Bank AI processes member data in EU regions by default, with AES-256 encryption and EU-region key management. Abeille Assurances Vie remains the underwriter and custodian of the contractual sleeve.
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