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Spirica — Paris-headquartered French life-insurance underwriter (subsidiary of Credit Agricole Assurances, founded 2009); ACPR-supervised with EUR 19bn AUM, known for its broad SCI / SCPI unit-linked universe.

Scale
EUR 19bn AUM
Wrappers
Vie + PER
Connection
Read-only

  • Funds en euros Nouvelle Generation

    The Spirica Nouvelle Generation funds en euros sleeve reads into Bank AI with current value, cumulative gross interest and net of UC fees, in your home currency.

  • Unites de compte SCI / SCPI

    Spirica's distinctive SCI / SCPI real-estate unites de compte are surfaced as a separate real-estate sub-position, so the IFI (Impot sur la Fortune Immobiliere) calculation context is preserved.

  • Spirica Generations Vie

    Generations Vie balances are tagged separately so wrapper context (vehicule) and discretionary mandate (where applicable) are visible at a glance.

  • Spirica PER

    Retirement balances are tagged separately from assurance-vie so liquidity and tax treatment are never conflated.

  • Linxea Spirit 2 (multi-supports)
  • Spirica Generations Vie
  • Spirica PER
  • Funds en euros Nouvelle Generation
  • Unites de compte SCI / SCPI

Headquarters
Paris, France
Founded
2009
Parent group
Credit Agricole Assurances
Regulator
ACPR

  • What is my Spirica SCPI exposure across all my contracts?
  • Show me Spirica Nouvelle Generation's rendement servi vs. Suravenir Opportunites 2.
  • How much is my LinXea Spirit 2 balance vs. my LinXea Avenir 2?
  • What share of my Spirica UL universe is in real estate vs. equities?

Does Bank AI distribute Spirica contracts?

No. Bank AI is an aggregator, not an insurance broker. To open a Spirica contract, you go through an ORIAS-registered intermediary (most commonly LinXea Spirit 2). Bank AI surfaces the read-only view of contracts you already hold.

Why is Spirica known for SCPI and SCI?

Spirica was the first French underwriter to offer a broad SCI / SCPI unit-linked universe inside an assurance-vie wrapper, which combined the liquidity and tax efficiency of assurance-vie with real-estate exposure. Bank AI surfaces these as a separate real-estate sub-position.

How does Bank AI connect to Spirica?

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.

Is Spirica regulated?

Yes. Spirica is supervised by the ACPR and is a wholly-owned subsidiary of Credit Agricole Assurances. Contracts are issued under the French Code des assurances. Bank AI is NOT an underwriter.

Does Bank AI calculate IFI on my SCPI exposure?

No. Bank AI surfaces the SCPI / SCI positions inside your Spirica contracts that drive the IFI calculation but the filing itself is best handled by your accountant or via Spirica's annual statement.

Is my Spirica 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. Spirica remains the underwriter and custodian.

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