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Meilleurtaux Placement — Paris-headquartered French online broker (founded 2007, part of Meilleurtaux SAS); ORIAS-registered insurance intermediary distributing assurance-vie, PER and SCPI underwritten by multiple ACPR-supervised insurers, with a flagship Liberte Vie / Allocation Vie line.

Scale
EUR 5bn+ AUM
Wrappers
Vie + PER + SCPI
Connection
Read-only

  • Liberte Vie / Allocation Vie

    Liberte Vie (free architecture) and Allocation Vie (managed allocation) balances read into Bank AI with funds en euros vs. unites de compte split visible, plus the underwriter context preserved per contract.

  • Meilleurtaux PER

    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.

  • Meilleurtaux SCPI

    SCPI (Societes Civiles de Placement Immobilier) positions distributed via Meilleurtaux are surfaced as a separate real-estate sub-position with the IFI calculation context preserved.

  • Funds en euros Suravenir Opportunites

    Where your Meilleurtaux contract uses Suravenir Opportunites as its funds en euros sleeve, Bank AI tags it under the unifying Suravenir underwriter so rendement servi comparisons across your contracts are apples-to-apples.

  • Meilleurtaux Liberte Vie
  • Meilleurtaux Allocation Vie
  • Meilleurtaux PER
  • SCPI (immobilier locatif)
  • Funds en euros Suravenir Opportunites

Headquarters
Paris, France
Founded
2007
Parent group
Meilleurtaux SAS
Regulator
ACPR (via underwriters); ORIAS (broker)

  • What is my Meilleurtaux Liberte Vie funds en euros vs. unites de compte split?
  • Show me my Meilleurtaux SCPI yield YTD net of fees.
  • How does my Meilleurtaux Allocation Vie performance compare to my Yomoni mandate?
  • What share of my net worth sits inside SCPI vs. real-property?

Does Bank AI distribute Meilleurtaux contracts?

No. Bank AI is an aggregator, not an insurance broker. To open a Meilleurtaux Placement contract, you go through their ORIAS-registered intermediary directly. Bank AI surfaces the read-only view of contracts you already hold.

Who underwrites Meilleurtaux Placement contracts?

Meilleurtaux Placement is a broker — contracts are underwritten by various ACPR-supervised insurers (typically Suravenir for Liberte Vie, Spirica for some lines, Generali for others). Each underwriter holds the contractual sleeve on its balance sheet under the French Code des assurances.

How does Bank AI connect to Meilleurtaux Placement?

Bank AI connects via licensed open-banking and aggregation partners that hold the AISP / DSP2 permissions needed to read assurance-vie, PER and SCPI positions. Read-only access is enforced.

Are SCPI positions tracked?

Yes. SCPI distributed via Meilleurtaux Placement (whether held directly or inside an assurance-vie sleeve) is surfaced as a separate real-estate sub-position so the IFI calculation context is preserved.

Does Bank AI calculate French PFU on Meilleurtaux rachats?

No. Bank AI surfaces the rachats and gains that drive the calculation but the filing itself (PFU 30 percent, abattement of EUR 4,600 / EUR 9,200 above 8 years) is best handled by your accountant or via Meilleurtaux's annual statement (IFU).

Is my Meilleurtaux 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 underwriter remains the custodian.

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