Credit Agricole next bank

What Credit Agricole next bank does

Credit Agricole next bank (Suisse) SA is a Swiss retail bank founded in 2000 and headquartered in Geneva, operating as a wholly-owned subsidiary of the Crédit Agricole Group, France's largest retail banking group. The bank serves three core customer segments: Swiss residents, cross-border workers (frontaliers) — a niche in which it claims over 48,000 clients and where 49% of its own staff are themselves cross-border workers — and SMEs. It distributes a tiered product portfolio including three banking packs (CA Start at CHF 5/month, CA Extra at CHF 12/month, CA First at CHF 15/month, with six months free as an acquisition incentive), a Business Pack, Mastercard Silver and Gold credit cards, a CA Energy savings account, multi-currency current accounts (CHF, EUR, USD, GBP), mortgages (1.59% best 10-year), and personal loans originated through partner CA Auto Finance Suisse SA (CHF 5,000–80,000 at 4.49%–7.75%).

Its technology platform centers on a 100% digital online account opening flow, an e-banking mobile app available on iOS and Android, the Pilla standalone app for autonomous Pillar 3A and free passage pension management, and payment integrations spanning Apple Pay, Samsung Pay, Google Pay, Garmin Pay, Fitbit Pay, SwatchPAY, and TWINT (the latter activated for cross-border phone numbers). The bank extends its offering beyond core banking through distribution partnerships: Amundi, Swisscanto, and CPRAM for investment funds (including ESG and thematic strategies); SwissLife for Pillar 3A life insurance; Liberty and Lealta foundations for Pillar 2 free passage accounts; and CA Auto Finance Suisse SA for personal credit. The 100%-digital mortgage origination tool delivers a personalized financing plan within 20 minutes.

The revenue model is multi-stream and subscription-anchored: recurring monthly pack fees, annual credit card fees, net interest income from mortgages and personal loans, custody and commission fees on investment funds, and management fees on pension products. Go-to-market combines direct-to-consumer digital acquisition, a physical branch network in Geneva, Basel, and Zurich, event sponsorship through CCIFS (CCI France-Suisse), and a content platform (mavieensuisse.ch) targeting French expatriates. The bank operates exclusively within Switzerland under Swiss banking law with no international expansion.

Name

Credit Agricole next bank

Legal name

Crédit Agricole next bank (Suisse) SA

Website

https://ca-nextbank.ch

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

101–250 employees

Short description

Credit Agricole next bank is a Geneva-based Swiss retail bank and wholly-owned subsidiary of Crédit Agricole Group, serving Swiss residents, cross-border workers, and SMEs with tiered banking packs, mortgages, pension products, and digital-first banking services.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Credit Card Issuing (522210), Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

National Commercial Banks (6021), Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Credit Cards & Revolving Credit (FSABAAAC)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG), A2A Collections & Direct Account Funding (FSAMAFAH)

Keywords

• Retail banking services
• Business banking
• Mortgage loans
• Investment funds
• Pension products

Headquarters

HQ city

Genève

HQ country

Switzerland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking Account Fees: Monthly fees for packaged banking products (CA Start CHF 5/mo, CA Extra CHF 12/mo, CA First CHF 15/mo, Business CHF 5/mo) with first 6 months free promotion
2. Interest Income: Income from lending activities including mortgages (1.59% best 10-year rate), personal loans (4.49%-7.75%), and credit card financing. Also interest earned on savings and current accounts (0.10%-0.40% for savings, 0.10%-0.20% for business current accounts)
3. Payment Card Fees: Annual fees from credit cards: Mastercard Silver CHF 100/year, Mastercard Gold CHF 200/year, plus transaction fees
4. Corporate Banking Services: Business accounts, payment solutions, liquidity management, and term deposits for enterprise clients
5. Fund Management and Investment Products: Investment funds distributed in partnership with Amundi, Swisscanto, and CPRAM. Revenue from fund management fees (0.10% custody fees, 0.50% commission fees for savings plans, 0.20%/year custody for one-time subscriptions)
6. Pension and Insurance Products: Pillar 3A bank account and insurance products (in partnership with SwissLife), Pillar 2 free passage accounts (Liberty and Lealta foundations), with associated management fees

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Credit Agricole next bank (Suisse) SA is a Swiss universal bank providing retail and business banking products and services to individuals, cross-border workers, and small and medium-sized enterprises. Its offering spans day-to-day current accounts and debit/credit cards, savings and energy savings accounts, mortgages and personal loans, investment funds, and Swiss pension (2nd and 3rd pillar) solutions, distributed through an online and mobile channel backed by a branch network in Geneva.

Product overview

Crédit Agricole next bank is a Swiss retail bank offering a comprehensive banking platform organized into three customer segments: individuals (residents), cross-border workers (frontaliers), and businesses. The core banking packages (CA Start, CA Extra, CA First) form the foundation, providing accounts, debit/credit cards, and basic services. The bank extends its offering through specialized products including the Pilla app for digital pension planning, investment funds (via Amundi, CPRAM, Swisscanto partnerships), 3rd pillar banking and insurance products (with SwissLife), 2nd pillar free passage accounts (via Liberty and Lealta foundations), personal loans (via CA Auto Finance Suisse SA), and business banking solutions. Digital services include the e-banking mobile app, TWINT mobile payments, Apple Pay/Samsung Pay/Google Pay integrations, and online mortgage applications. The bank serves over 48,000 cross-border customers and emphasizes digital-first banking with competitive rates.

Differentiator

Problem solved

Functional benefit

Brands

• Pilla: Digital pension app (100% digital) for managing Pillar 3A or libre passage accounts.
• CA Energy
• CA Start, CA Extra, CA First
• Pack Business
• CA Auto Finance

Products and services

• CA Start Entry-level retail banking package for individuals that bundles a current account, Maestro and Mastercard debit cards, and core daily-banking features at a low fixed monthly fee.
• CA Extra Mid-tier individual banking package that includes a current account, a gold credit card, free cash withdrawals, and the E-Banking App for individuals needing richer everyday banking features.
• CA First Premium individual banking package offering a current account, a gold credit card, free ATM withdrawals, and 24/7 access via the E-Banking App for higher-volume retail customers.
• CA Energy Savings Account Savings account that rewards saving for energy transition projects (renovation, heat pump, solar, mobility) with a preferential interest rate above the standard savings rate.
• Pack Business All-in-one banking package for SMEs and self-employed professionals that includes a Business Current Account, Business Credit Card, Mastercard Business Card, and cash withdrawal benefits.
• Business Current Account Day-to-day operating account in CHF for businesses, with free SEPA payments in EUR and access to a Business Credit Card, marketed to SMEs, self-employed, and associations.
• Business Savings Account Interest-bearing CHF savings account for businesses designed to remunerate treasury balances held by companies and associations.
• Term Deposit Fixed-term deposit product in CHF or EUR offering a guaranteed interest rate over a chosen maturity, available to both individuals and businesses.
• Investment Funds Range of Crédit Agricole and Amundi-distributed investment funds (Treasury, Bonds, Equities, Mixed, Thematic) offered to individuals and businesses through Crédit Agricole next bank and CA Indosuez.
• 3rd Pillar A (Pillar 3a) Tax-advantaged Swiss retirement savings account (Pillar 3a) for individuals seeking to build private retirement provision with annual tax deductions.
• 3rd Pillar Insurance Combined Pillar 3a savings and life insurance solution providing retirement provision with an insurance component, marketed to individuals seeking tax-efficient retirement planning.
• 2nd Pillar Free Passage Account Interest-bearing vested benefits account for individuals who have left a Swiss employer and want to keep their occupational pension assets invested without immediate withdrawal.
• Personal Loan
• Mortgage Loan Fixed-rate and variable-rate home loan used to finance the purchase or renovation of residential property in Switzerland, applied for online or in-branch.
• Mastercard Debit Card Debit card linked to a CHF or EUR current account for point-of-sale and online payments as well as ATM cash withdrawals.
• Mastercard Silver Credit Card Silver-tier revolving credit card for individuals offering deferred payments and purchase protection, available as part of the CA Extra package.
• Mastercard Gold Credit Card Gold-tier credit card bundled with the CA First package, offering higher credit limits and additional travel and insurance benefits for premium retail customers.
• EUR Private Account Dedicated euro-denominated current account for individuals and businesses to receive euro payments (e.g., salary of cross-border workers) and make SEPA transfers.

Quantifiable outcome

• 0.40% savings rate on CA Energy account
• +5 more outcomes

Named customers4 records

Segments1 record

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature5 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• AmundicoreTechnology or IntegrationLeading European asset manager (Credit Agricole group subsidiary) and top 10 global AUM manager with over EUR 2,037 billion assets under management, 100+ million clients, presence in 35+ countries across 4 continents. Provides Climate-focused investment funds (Global Corporate Bond Climate, US Corporate Bond Climate, Multi-Asset Climate, Global Equity Climate, Europe Equity Climate, Emerging Markets Equity Climate) with ESG integration.
• SwisscantocoreTechnology or IntegrationLeading Swiss fund provider and asset manager of Zürcher Kantonalbank, #2 fund manager in Switzerland, with 50+ years Swiss experience. Provides Swiss-focused funds including SWC (CH) Equity Fund Responsible Switzerland Top Dividend, SWC (CH) Equity Fund Sustainable Switzerland, SWC (CH) Bond Fund Sustainable CHF AA CHF, SWC (CH) Real Estate Fund Responsible Switzerland Indirect, and money market funds. Pioneer in sustainable funds since 1998.
• SwissLifecoreStrategic or Co-development PartnerSwiss insurance company offering life insurance pillar 3A products in partnership with Credit Agricole next bank. Provides protection against loss of earnings and family protection in case of death or disability alongside retirement savings.
• Liberty Fondation de Libre passagecoreStrategic or Co-development PartnerFree passage foundation partner offering pillar 2 (occupational pension) accounts for employees changing jobs, sabbatical, unemployment, early retirement, entrepreneurship, divorce, or emigration. Enables seamless transfer of pension capital with 0.30% interest rate on savings accounts.
• Lealta Fondation de Libre passagecoreStrategic or Co-development PartnerFree passage foundation partner (part of Liberty group) offering pillar 2 accounts for occupational pension transfers. Alternative foundation option alongside Liberty for free passage account management with ESG investment strategies.
• CA Auto Finance Suisse SAcoreStrategic or Co-development PartnerCredit Agricole group subsidiary (based in Schlieren, Zurich) providing personal credit (private credit) products ranging from CHF 5,000 to CHF 80,000 at fixed rates between 4.49% and 7.75%, with 100% digital application process, credit decisions under 24 hours, and optional COMFORTPlus insurance covering monthly payments for up to 18 months in case of job loss.
• CCI France-Suisse (CCIFS)minorGTM or Marketing PartnerFranco-Swiss Chamber of Commerce organizes networking events (Cocktail Estigeneve in Geneva, Cocktail Estibâle in Basel, Bienvenue en Suisse in Zurich) where Credit Agricole next bank participates and sponsors to reach French-speaking community and cross-border workers in Switzerland.
• ApplecoreTechnology or IntegrationApple Pay integration allowing Credit Agricole next bank debit and credit card holders to make payments using Apple devices (iPhone, Apple Watch, iPad, Mac) in stores, online, and in apps with secure Face ID/Touch ID authentication.
• Ma vie en Suisse (mavieensuisse.ch)minorGTM or Marketing PartnerContent and community platform for French people living in or moving to Switzerland, covering employment, housing, health, education with articles, community features, event calendar, and trusted partners. Credit Agricole next bank provides financial content and cross-promotion through this platform.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key highlights7 records

Customer concentration

• Xx.com/CA_nextbank

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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 Credit Agricole next bank