Cardif — Nanterre-headquartered French life-insurance subsidiary of BNP Paribas (founded 1973); ACPR / IVASS / DGSFP-supervised across FR / IT / ES with EUR 286bn AUM in assurance-vie, PER, polizza vita and seguro de vida wrappers.
- Scale
- EUR 286bn AUM
- Wrappers
- Vie + PER + UL
- Connection
- Read-only
BNP Paribas Multiplacements
The BNP Paribas Multiplacements assurance-vie funds en euros and unites de compte read into Bank AI with current value, cumulative gains and net of UC fees, in your home currency.
Cardif Multi Plus / Cardif Elite
Haut-de-gamme contracts (Cardif Multi Plus, Cardif Elite) are surfaced as a separate sleeve with the discretionary mandate or self-managed allocation visible.
PER Cardif
Retirement balances are tagged separately from assurance-vie so liquidity and tax treatment are never conflated; deductible contribution YTD is visible against your PER plafond.
Cross-border (IT / ES)
Polizza vita Cardif Vita (IT) and seguro de vida Cardif (ES) balances are surfaced with their local tax-wrapper context preserved so the multi-jurisdiction picture is honest.
- BNP Paribas Multiplacements (assurance-vie)
- Cardif Multi Plus / Cardif Elite
- PER Cardif
- Polizza vita Cardif Vita (IT)
- Seguro de vida Cardif (ES)
- Funds en euros + unites de compte
- Headquarters
- Nanterre, France
- Founded
- 1973
- Parent group
- BNP Paribas
- Regulator
- ACPR (FR); IVASS (IT); DGSFP (ES)
- What is my Cardif funds en euros balance across all my contracts?
- Show me my Cardif PER deductible contribution YTD vs. my plafond.
- How does my Cardif Elite mandate compare to my Yomoni mandate?
- What share of my Cardif UL allocation is in ESG (Article 8 / 9) funds?
- 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
Afer
France's largest assurance-vie association; 780k+ members, EUR 56bn outstanding, 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.
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Does Bank AI place arbitrages on my Cardif contract?
No. Bank AI is read-only by design. We surface positions, the funds en euros vs. UL split, contributions and rachats so you can see the picture, but every arbitrage continues to happen via Cardif or your distributor (often a BNP Paribas branch). We never move customer funds.
How does Bank AI connect to Cardif?
Bank AI connects via licensed open-banking and aggregation partners that hold the AISP / DSP2 permissions needed to read assurance-vie, PER and UL positions. Read-only access is enforced.
Who underwrites Cardif contracts?
BNP Paribas Cardif is the underwriter under ACPR supervision. Italian polizza vita is underwritten by Cardif Vita Compagnia di Assicurazione e Riassicurazione (IVASS); Spanish seguro de vida by Cardif Seguros (DGSFP). The contractual sleeve sits on the local underwriter's balance sheet.
Are PER and polizza vita tracked alongside each other?
Yes. Cross-border Cardif contracts (FR PER, IT polizza vita, ES seguro de vida) are surfaced together with the local tax-wrapper context preserved so the multi-jurisdiction picture is honest.
Does Bank AI calculate French / Italian / Spanish wealth tax?
No. Bank AI surfaces the disposals, contributions and gains that drive the calculation but the filing itself (PFU 30 percent in France, imposta di bollo 0.2 percent on polizze vita in Italy, IRPF in Spain) is best handled by your accountant.
Is my Cardif data sent outside the EU?
No. Bank AI processes customer data in EU regions by default, with AES-256 encryption and EU-region key management. The relevant Cardif entity remains the underwriter and custodian.
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