Bankin'
Bankin' is a French fintech offering a mobile personal finance management app that aggregates 350+ European bank accounts, serving 6+ million consumers across France, England, Spain, and Germany through freemium subscriptions, cashback rewards, and B2B data analytics.
- Company typePrivate
- Founded2011
- HeadquartersParis, France
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Bankin' does
Bankin' is a French fintech founded in 2011 and headquartered in Paris, operating as BANKIN' SAS under French commercial registration. The company provides a mobile-first personal finance management platform that aggregates bank accounts, credit cards, savings, and investment data from over 350 European banks into a single dashboard, with automatic transaction categorization, budget tracking, and personalized financial recommendations. As a registered payment services agent of Perspecteev (Bridge) under ACPR supervision (REGAFI 381188) and an ORIAS-registered intermediary, Bankin' also offers payment initiation services and is DSP2, GDPR, and CNIL compliant. Its technology stack operates on AWS infrastructure in Dublin, Ireland, with open banking connectivity provided through partnerships with Bridge and Powens, and cashback processing through Paylead and Plebicom.
The company's go-to-market is product-led and freemium-driven, distributing via iOS App Store, Google Play, and a Chrome Web Store browser extension across France, England, Spain, and Germany. Revenue is generated through four streams: premium subscriptions (Bankin' Plus at €3.33/month and Bankin' Pro at €8.33/month), cashback commissions from 400+ merchant partners, affiliate referrals to financial product partners (credit, insurance, energy), and B2B data analytics sold through Bankin' Data Solutions. The platform serves over 6 million users and 8 million connected accounts, processing more than 700 million transactions annually, with a reported 95% user satisfaction rate and 4.5/5 average app store rating across 7+ million downloads. The company has raised approximately €30 million in total venture funding across rounds dating from 2011 through 2019, and operates with 80+ employees.
Bankin' firmographics
Firmographics- Name
- Bankin'
- Legal name
- BANKIN' SAS
- Website
- https://bankin.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Bankin' is a French fintech offering a mobile personal finance management app that aggregates 350+ European bank accounts, serving 6+ million consumers across France, England, Spain, and Germany through freemium subscriptions, cashback rewards, and B2B data analytics.
- Ownership category
- akta.pro rank
Bankin' industry classification
Industry- Product category
- Personal Finance Management
- NAICS
- Credit Bureaus (561450)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Expense Tracking & Financial Dashboards (FSAGADAB)
- akta.pro secondary industries
- Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration) (FSAGAAAG)
Keywords
Where Bankin' is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Bankin' business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations
Revenue model
- Premium Subscriptions: Bankin'+ at €3.33/month and Bankin' Pro at €8.33/month provide premium features including unlimited transaction exports, savings visualization, custom categories, and priority support. Revenue from monthly or annual subscription billing via credit card or direct debit.
- Cashback Commissions: Revenue share from merchants when users complete purchases through cashback offers. Bankin' receives commission from partner retailers and shares portion with users through their cashback wallet. Cashback capped at €500 per transaction.
- Financial Partner Referrals: When identifying opportunities (credit renegotiation, insurance, energy savings), Bankin' recommends partners and receives remuneration when users complete transactions with referred partners. Transparent about being compensated for referrals.
- Business Data Solutions: Custom data studies and insights sold to businesses including market share analysis, customer flow qualification, churn detection, and marketing effectiveness measurement. 45-day delivery methodology for actionable insights.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Bankin' Plus - Premium personal finance features |
| Subscription | Monthly | Bankin' Pro - Business treasury management |
| Freemium | Pay-as-you-go | Free Tier - Basic account aggregation |
| Other | Pay-as-you-go | Cashback Wallet Withdrawal |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Bankin' product offering
Product offeringCore offering
Bankin' provides a mobile personal finance management app that aggregates bank accounts, credit cards, savings, and investments from 350+ European banks into one dashboard, with automatic categorization, budgeting, cashback rewards, and AI-driven personalized recommendations. Premium subscription tiers (Bankin' Plus at €3.33/month and Bankin' Pro at €8.33/month) add advanced reporting and professional account management, while a separate B2B data solutions vertical monetizes aggregated transaction data for market intelligence and churn analytics.
Product overview
Bankin' is a French fintech company offering a unified mobile-first personal finance management platform with multiple integrated services. The core product is the Bankin' App (available on iOS and Android), which aggregates bank accounts, credit cards, savings, and investment data into a single dashboard with automatic transaction categorization and budget tracking. The platform includes two premium tiers — Bankin' Plus (€3.33/month) for advanced budgeting and reporting features, and Bankin' Pro (€8.33/month) for business users needing professional account management. Built around account information and payment services powered by Bridge (Perspecteev) and Powens, the platform also features a cashback ecosystem (Fonctionnalité Cashback) with partners Paylead and Plebicom, and a B2B data analytics vertical (Bankin' Data Solutions) offering market intelligence, customer flow analysis, and churn prevention services. Additional features include browser extensions, personalized recommendations, and bill renegotiation opportunities.
Differentiator
Problem solved
Functional benefit
Products and services
- Bankin' App (Core)
- Bankin' Plus
- Bankin' Pro
- Fonctionnalité Consultation (Account Information Service)
- Fonctionnalité Virements (Payment Initiation Service)
- Fonctionnalité Cashback
- Bankin' Data Solutions (B2B)
Quantifiable outcome
- Users can save €450 per year on bills through Bankin's optimization features
- +2 more outcomes
Companies that use Bankin'
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
Bankin' technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability6 records
Feature6 records
Bankin' partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- Perspecteev (Bridge)corePerspecteev, operating as Bridge, is the licensed payment institution that enables Bankin's account information and payment initiation services. Bankin' acts as registered agent under Bridge's ACPR license (REGAFI 381188). Bridge provides the core open banking infrastructure for connecting to 350+ banks.
- PowenscorePowens is a licensed payment institution (REGAFI 16948) providing additional account information and payment initiation services. When Powens provides services, users are redirected to Powens' terms and conditions.
- PayleadcoreFrench cashback processing partner that handles automatic cashback calculations and transaction matching. Shares transaction data securely with Bankin' for cashback credit processing.
- PlebicomcorePartner for cashback services including targeted e-commerce offers and digital gift card purchases (Bons d'achat). Processes cashback transactions and provides merchant partner network.
- FNACminorNational retail chain participating in Bankin's cashback program. Offers cashback rewards to Bankin' users on purchases.
- CarrefourminorMajor French retailer participating in Bankin's cashback program with targeted offers for Bankin' users.
- IKEAminorFurniture retailer partner in Bankin's cashback network offering purchase rewards to app users.
- DecathlonminorSports retailer partner in Bankin's cashback program for sports and outdoor purchases.
- AirbnbminorTravel accommodation platform partner offering cashback rewards for bookings made through Bankin'.
- Amazon Web ServicescoreAWS Ireland provides cloud hosting and data storage for Bankin's services. Data is stored in Dublin, Ireland data centers.
Scale indicators10 records
Recent moves6 records
Expansion highlights6 records
Bankin' competitors and assessment
Company assessmentDirect peers
- Linxo: Direct French PFM competitor offering bank account aggregation, budgeting, and personal finance management. Acquired by Crédit Agricole in 2020, illustrating the strategic value of European PFM and the bank-distribution threat.
- Powens: Open banking account aggregation and payment initiation provider (REGAFI 16948). Direct competitor in account aggregation technology while also being a Bankin' partner, creating a partner-competitor dynamic typical in open banking infrastructure.
- Emma: UK-based consumer PFM app offering account aggregation, budgeting, and subscription tracking. Comparable freemium consumer fintech model targeting European markets with similar feature set.
- Bud Financial: UK-based open banking data and enrichment platform. Comparable in transforming bank transaction data into categorized insights and offering B2B data products to financial institutions and retailers.
- TrueLayer: European open banking API provider offering account information and payment initiation services. Competes in the same open banking infrastructure layer that Bankin' relies on Bridge and Powens to access.
- Salt Edge: Open banking API aggregator with pan-European bank connectivity. Comparable in providing account aggregation and payment initiation infrastructure, serving both consumer apps and B2B clients.
- Spendee: Consumer PFM app with multi-bank account aggregation, budgeting, and shared wallet features. Direct competitor in the consumer PFM category with similar freemium monetization model.
- Money Lover: Consumer money management app offering multi-account aggregation, budgeting, and expense tracking across global markets. Comparable in targeting mass-market consumers with freemium PFM features.
Broad incumbents
- Tink: European open banking platform acquired by Visa in 2022. Provides account aggregation and payment initiation APIs to banks and fintechs; broader scope than Bankin's consumer-facing aggregation but adjacent in open banking data infrastructure.
- Plaid: Global open banking leader connecting consumer bank accounts to applications. While primarily US-focused, Plaid represents the global benchmark for open banking aggregation infrastructure at scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Bankin' social profiles
Digital presenceBankin' compliance and trust
Trust signalCompliance7 records
Bankin' financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bankin' leadership team
Management profileNumber of profiles
Profiles5 records
Bankin' funding detail
Funding detailFunding overview
Funding rounds6 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bankin' M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bankin'
What does Bankin' do?
Bankin' provides a mobile personal finance management app that aggregates bank accounts, credit cards, savings, and investments from 350+ European banks into one dashboard, with automatic categorization, budgeting, cashback rewards, and AI-driven personalized recommendations. Premium subscription tiers (Bankin' Plus at €3.33/month and Bankin' Pro at €8.33/month) add advanced reporting and professional account management, while a separate B2B data solutions vertical monetizes aggregated transaction data for market intelligence and churn analytics.
Is Bankin' a public or private company?
Bankin' is a private company. It is classified as venture growth investor backed and is currently operating.
When was Bankin' founded?
Bankin' was founded in 2011. It employs 11 to 50 people.
Where is Bankin' based?
Bankin' is headquartered in Paris, France, in the Europe region.
How does Bankin' make money?
Four revenue lines are on record. Premium Subscriptions are the primary driver. The others are cashback Commissions, financial Partner Referrals and business Data Solutions.
Who are Bankin''s main competitors?
Direct peers on record are Linxo, Powens, Emma, Bud Financial, TrueLayer, Salt Edge, Spendee and Money Lover. Broad incumbents are Tink and Plaid.
Does Bankin' have an API?
No public API is recorded for Bankin'.
What industry is Bankin' in?
Bankin''s product category is Personal Finance Management. Its primary akta.pro industry code is FSAGADAB, Expense Tracking & Financial Dashboards, with a secondary code of FSAGACAA, Account Aggregation & Connectivity (Multi-bank linking). Its NAICS code is 561450 and its SIC code is 6199.