Bankin'

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.

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

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

• Personal finance management
• Open banking aggregation
• Cashback rewards platform
• Budgeting mobile app
• Account information services

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations

Revenue model

1. 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.
2. 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.
3. 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.
4. 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

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core 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

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability6 records

Feature6 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Perspecteev (Bridge)coreTechnology or Integration · 1 January 2011Perspecteev, 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.
• PowenscoreTechnology or IntegrationPowens 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.
• PayleadcoreTechnology or IntegrationFrench cashback processing partner that handles automatic cashback calculations and transaction matching. Shares transaction data securely with Bankin' for cashback credit processing.
• PlebicomcoreTechnology or IntegrationPartner for cashback services including targeted e-commerce offers and digital gift card purchases (Bons d'achat). Processes cashback transactions and provides merchant partner network.
• FNACminorChannel Partner/ Reseller/ DistributorNational retail chain participating in Bankin's cashback program. Offers cashback rewards to Bankin' users on purchases.
• CarrefourminorChannel Partner/ Reseller/ DistributorMajor French retailer participating in Bankin's cashback program with targeted offers for Bankin' users.
• IKEAminorChannel Partner/ Reseller/ DistributorFurniture retailer partner in Bankin's cashback network offering purchase rewards to app users.
• DecathlonminorChannel Partner/ Reseller/ DistributorSports retailer partner in Bankin's cashback program for sports and outdoor purchases.
• AirbnbminorChannel Partner/ Reseller/ DistributorTravel accommodation platform partner offering cashback rewards for bookings made through Bankin'.
• Amazon Web ServicescoreOthersAWS 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

Direct 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

• LinkedInlinkedin.com/company/bankin
• Instagraminstagram.com/bankin
• Xx.com/Bankin
• Facebookfacebook.com/ilovebankin

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds6 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bankin'