What Cashbee does

Cashbee is a French wealth-tech platform founded in 2018 by Marc Tempelman, Cyril Garbois, and Chaker Nakhli, headquartered in Paris. The company operates a mobile-first digital wealth management platform, distributed via iOS/Android apps and a web application, that aggregates a broad set of French savings and investment products — life insurance (Cashbee+), regulated savings (Livret Cashbee), retirement plans (PER), SCPI real estate, ETFs, structured products, thematic and regional equity funds, private equity, and art investments — into a single client-facing interface. Architecture is built on AWS with a Webflow-built frontend and depends on Treezor (ACPR-licensed payment institution) for account aggregation and payment initiation, with banking and insurer partners connected via secure APIs.

The company monetizes primarily as a broker and lead generator rather than a balance-sheet wealth manager: it earns affiliate commissions from CFCAL on savings-account deposits, a share of management fees from Generali (life insurance) and MIF (PER), and introduction fees on SCPI, structured products, and alternative investments. Pricing is freemium at the core — the app and Livret Cashbee are free, with a 3% promotional rate on savings and up to €400 welcome bonuses on PER subscriptions — while life insurance and PER carry management fees positioned as "lowest possible." Distribution is product-led and community-led: SEO, an in-house educational platform (Cashbee Academy), a financial news blog, and a 30,000+ subscriber weekly newsletter drive organic acquisition, with optional human advisor support for higher-value decisions. Customer segments span retail savers (primary), small businesses (Cashbee Pro treasury), pre-retirees, and HNW individuals (Cashbee Patrimoine), all restricted to French fiscal residents. Regulatory scaffolding — ACPR payment establishment (17178), ORIAS broker registration (19002094), and ANACOFI CIF membership (E010118) — underpins the brokerage model and acts as the principal barrier to entry.

Name

Cashbee

Legal name

Cashbee SAS

Website

https://cashbee.fr

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Cashbee is a Paris-based wealth-tech platform offering a mobile-first digital marketplace for savings accounts, life insurance, pension plans, and alternative investments, serving French retail savers, SMEs, and HNW clients through regulated broker partnerships with Generali, MIF, and CFCAL.

Ownership category

akta.pro rank

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from Banking Partners: Cashbee earns commission from partner banks (CFCAL, etc.) when customers open and use savings accounts through the platform.
2. Insurance Management Fee Share: A share of management fees charged by insurance partners (Generali for life insurance, MIF for PER) is paid to Cashbee for customer acquisition and platform services.
3. Introduction Fees for Investment Products: Fees for introducing customers to investment products including SCPI, structured products, private equity, and other wealth management products.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Cashbee is a French ACPR-licensed digital wealth management platform that lets French residents open a savings account, invest in life insurance (assurance vie), build tax-advantaged retirement savings (PER), and access real estate (SCPI), ETFs, structured products, private equity, and other alternative investments through a single mobile and web app. The company earns commissions and fee shares from partner banks and insurers (CFCAL, Generali, MIF, Treezor) rather than charging users for the core app, while reserving lowest-possible management fees on life insurance and PER contracts.

Product overview

Cashbee is a French wealth-tech platform offering multiple financial products through a unified mobile and web application. The core offering centers on Cashbee+ (life insurance) and the Livret Cashbee (savings account), complemented by the PER Cashbee (retirement savings plan), Immobilier SCPI (real estate investments), Cashbee Pro (business treasury management), and Cashbee Patrimoine (exclusive wealth management). The platform also provides access to thematic equity funds (Tech & AI, regional markets), bond funds, money market funds, infrastructure funds, precious metals, structured products, private equity, and private debt. Educational resources include the Cashbee Académie and practical guides.

Differentiator

Problem solved

Functional benefit

Brands

• Cashbee+: Insurance life product (assurance vie) offered by Cashbee, elected best internet insurance contract in 2025 by Gestion de Fortune.
• Cashbee Pro
• Cashbee Patrimoine
• Livret Cashbee

Products and services

• Cashbee+ (Assurance Vie) Life insurance product offered in partnership with Generali, providing access to Euro funds (including Netissima with a +1.50% bonus), ETF funds, themed equities, bond funds, structured products, and managed portfolios. At least 70% of contracts are composed of ISR-labeled (responsible investment) funds, and management fees are positioned as the lowest possible on the market. Awarded 'Best Internet Life Insurance Contract 2025' by Gestion de Fortune.
• Livret Cashbee Regulated savings account with no risk of capital loss, offering a 3% annual gross bonus rate for the first 2 months. Backed by CFCAL (Crédit Mutuel Arkéa group) as the banking partner. Free to use with no fees after the promotional period.
• PER Cashbee (Plan Épargne Retraite) Retirement savings plan (PER) offered in partnership with MIF, available in managed (Gestion Pilotée) or self-directed (Gestion Libre) options, with tax-deductible contributions and up to €400 welcome bonus for new subscriptions. Supports transfers from existing PER plans.
• Immobilier SCPI Real estate investment access through multiple SCPI (Société Civile de Placement Immobilier) funds including Eden, Épargne Pierre Europe, Comète, Transitions Europe, Remake Live, Wemo One, Cœur d'Europe, and Corum Origin, providing diversified European real estate exposure.
• Cashbee Pro Treasury management solution for businesses offering term accounts and structured products to optimize excess business cash reserves. Targeted at French small businesses and corporate treasury teams.
• Cashbee Patrimoine Exclusive wealth management offering for high-net-worth individuals, providing access to private equity, private debt, art investments (Picasso, Klein, Warhol), FCPI sovereign technology funds (with 27% tax deduction), dedicated structured products, and customized real estate (Foncière Merci Prosper with 25% tax deduction), supported by personalized patrimonial advisors.
• Fonds Euro Netissima Euro fund with guaranteed capital offering a +1.50% bonus, invested in infrastructure-related companies, accessible and liquid within Cashbee+ life insurance contracts.
• Fonds d'ETF ETF fund available within Cashbee+ life insurance, allowing investment according to the user's profile in a portfolio composed of ETFs.
• Actions Régionales Regional equity funds within Cashbee+ life insurance, investing in companies at world, European, Asian, or American scale.
• Actions Thématiques (Tech & IA) Thematic equity fund within Cashbee+ life insurance, supporting technological innovation and the energy transition.
• Fonds Monétaire Money market fund within Cashbee+ life insurance that allows liquidities to work while waiting for other investment alternatives.
• Or et Matières Premières Fund within Cashbee+ life insurance targeting precious metals extraction and combustibles activities.
• Fonds Infrastructures Fund within Cashbee+ life insurance investing in companies involved in infrastructure projects worldwide.
• Fonds Obligataires Bond funds within Cashbee+ life insurance, both dated and flexible, for securing savings.
• Gestion Pilotée Discretionary managed life insurance with a responsible investment approach handled by specialists within Cashbee+.
• Produits Structurés Structured products offering capital protection and targeting attractive yields, available through Cashbee+ and Cashbee Patrimoine (with bespoke dedicated structured products).
• Private Equity Investment in non-listed companies to finance their growth, available through Cashbee Patrimoine for high-net-worth clients.
• Dette Privée Investment in three iconic private debt funds, available through Cashbee Patrimoine for high-net-worth clients.
• Cashbee Académie Educational platform with two modules (beginner and aspiring investor) providing courses on personal finance and smart investing, supporting both acquisition and customer success.

Quantifiable outcome

• Best Internet Life Insurance Contract 2025 - awarded by Gestion de Fortune
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• TreezorcoreTechnology or IntegrationTreezor is an ACPR-licensed payment institution (approval number 16798) that provides the payment infrastructure for Cashbee's account services. Cashbee operates as Treezor's authorized payment agent. Treezor handles account opening, payment processing, and regulatory compliance for payment services.
• GeneralicoreTechnology or IntegrationGenerali is the insurance partner for Cashbee+ life insurance products. Cashbee acts as a broker introducing customers to Generali insurance contracts. Cashbee receives a share of management fees from Generali.
• MIF (Mutuelle d'Assurance)coreTechnology or IntegrationMIF is a French mutual insurance company with over 150 years of history that provides the PER (pension savings plan) underlying contracts for Cashbee's pension products.
• CFCAL (Crédit Mutuel CFCA)coreChannel Partner/ Reseller/ DistributorCFCAL, a subsidiary of Crédit Mutuel Arkéa group, is the banking partner for the Livret Cashbee savings account. Deposits are used primarily for consumer lending (real economy). Cashbee receives commission for customer referrals.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Linxea: Linxea is a leading French online broker specializing in life insurance (assurance vie), PER, and savings products. It is the closest direct competitor to Cashbee, serving the same French retail investor base with a comparable multi-product digital offering centered on assurance vie.
• Nalo: Nalo is a French robo-advisor offering automated, personalized investment portfolios (PEA, assurance vie) to retail investors. Like Cashbee, it operates a digital-first wealth management model in France targeting the same DIY retail segment with low-cost diversified products.
• Yomoni: Yomoni is a French robo-advisor providing managed investment portfolios via assurance vie and PEA wrappers, with a digital onboarding flow. It directly competes with Cashbee's assurance vie and managed investment offerings for French retail savers.
• Ramify: Ramify is a French wealth-tech platform offering life insurance, PER, and PEA products to retail investors through a mobile-first app. It targets the same French consumer base as Cashbee with a comparable digital wealth management proposition.
• Mon Petit Placement: Mon Petit Placement is a French digital investment platform offering managed portfolios, assurance vie, and PEA products to retail savers. It is a direct French wealth-tech competitor to Cashbee with a similar freemium-led, education-driven acquisition strategy.
• Goodvest: Goodvest is a French responsible investment platform offering life insurance and savings products aligned with ESG/ISR criteria. It overlaps with Cashbee on ISR-themed assurance vie and sustainable investing for French retail savers.

Broad incumbents

• Boursorama Banque: Boursorama is the largest online bank in France (Société Générale subsidiary) offering a broad suite of banking, brokerage, and life insurance products. It competes with Cashbee on savings accounts, assurance vie, and investment products but operates as a full-service incumbent rather than a wealth-tech specialist.
• Fortuneo Banque: Fortuneo is a major French online bank (Arkéa subsidiary) offering savings accounts, assurance vie, and brokerage services. It is a broad incumbent competitor to Cashbee with overlapping retail savings and investment products.
• XTB: XTB is a publicly listed European broker offering multi-asset trading, savings plans, and investment products across European markets. It overlaps with Cashbee on retail investing and savings flows but operates at a broader, multi-country scale rather than focusing on French-specific wrappers.

Emerging players

• Trade Republic: Trade Republic is a European neo-broker expanding into savings, retirement, and wealth products across multiple European markets. It is an emerging peer addressing the same digital-first retail savings/investment opportunity that Cashbee targets in France.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cashbee/?originalSubdomain=fr
• Instagraminstagram.com/cashbeenews
• Xx.com/cashbee_app

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds3 records

Investors6 records

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

M&A

Investments

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

Frequently asked questions about Cashbee