My Money Bank

What My Money Bank does

My Money Bank operates as the core consumer-facing subsidiary of Groupe CCF, an independent French banking and financial services group headquartered in La Défense, France. The group's roots extend back to 1924, and it currently operates through two business poles — Retail Banking (Banque de Détail) and Specialized Financing (Financements spécialisés) — delivered via the CCF branch network for corporate and institutional clients and through the My Money Bank, Somafi-Soguafi, Sorefi and My Partner Bank brands for consumer and SMB credit products.

The product portfolio centers on four core offerings: retail banking services, credit consolidation (regroupement de crédits), automotive financing (financement automobile), and professional real estate credit (crédit immobilier professionnel). Underlying technology and platform architecture are not disclosed in source material; the operating stack appears to be a conventional regulated-banking infrastructure, with no disclosed proprietary AI/ML, API platform, or app. The group maintains a covered-bond funding program through MMB SCF and active liability management at the CCF Holding level.

Revenue is generated primarily through Net Banking Income (Produit net bancaire) of €806 million, driven by interest income and fees on €21 billion of outstanding credits and a €31 billion balance sheet. The CET1 solvency ratio of 13.1% materially exceeds regulatory minimums, supporting both credit growth and continued capital return. Customer segments are split between retail banking clients (individuals and professionals seeking standard banking and credit solutions) and specialized financing clients (consumers consolidating debt, vehicle buyers, and professionals financing commercial property). Distribution is entirely France-domiciled across branch, direct, and partner channels.

Name

My Money Bank

Legal name

My Money Bank

Website

https://mymoneybank.com

Company type

Private

Founded year

1924

Operating status

Operating

Headcount range

501–1,000 employees

Ownership category

akta.pro rank

Product category

Consumer Banking and Lending

NAICS

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

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Consumer credit lending
• Credit consolidation services
• Auto loan financing
• Retail banking services
• Professional real estate credit

Headquarters

HQ city

La Défense

HQ country

France

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Banking Income (PNB): Core banking revenue including interest income from lending activities, credit operations, and specialized financing services across retail banking and specialized financing poles.

Distribution channels3 records

Marketing channels4 records

Core offering

My Money Bank is the consumer credit and retail banking subsidiary of Groupe CCF. It provides retail banking services, credit consolidation (regroupement de crédits), automobile financing, and professional real estate credit. The bank operates as part of Groupe CCF's two-pole structure (Retail Banking and Specialized Financing) and serves individual consumers and business professionals in France through direct channels and partner subsidiaries.

Product overview

Groupe CCF operates as a banking and financial services group with two main activity poles: Retail Banking (Banque de Détail) and Specialized Financing. The group offers a unified portfolio of banking and credit products including retail banking services, credit consolidation (regroupement de crédits), auto financing (financement automobile), and professional real estate credit (crédit immobilier professionnel). The group encompasses several subsidiaries including CCF, My Money Bank, Somafi-Soguafi, Sorefi, and My Partner Bank.

Differentiator

Problem solved

Functional benefit

Products and services

• Banque de Détail (Retail Banking) Retail banking services offered to individual and business clients as part of the group's two-pole activity structure alongside specialized financing.
• Regroupement de Crédits (Credit Consolidation) Credit consolidation services allowing clients to merge multiple loans into a single manageable payment, addressing fragmented debt repayment.
• Financement Automobile (Auto Financing) Auto financing solutions supporting vehicle purchases for individual and professional clients, part of the group's specialized financing activities.
• Crédit Immobilier Professionnel (Professional Real Estate Credit) Professional real estate credit services targeting business professionals for commercial property financing.

Quantifiable outcome

• Result operating income doubled year-over-year in Q1 2026 with profitability among the highest in French banking sector.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Paris EuroplacecoreStrategic or Co-development Partner · 16 March 2026Groupe CCF joined Paris Europlace, the leading organization that federates and promotes the Paris financial marketplace in France and internationally. CEO Niccolò Ubertalli was appointed to the Paris Europlace Board of Directors, strengthening the group's visibility and influence in the international financial community.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Banque Populaire (BPCE Group): French retail banking group (part of BPCE) competing in retail banking, consumer credit, and professional real estate financing. Comparable in domestic retail and SME banking focus.
• Crédit Agricole: Largest French retail bank with universal banking operations. Competes with Groupe CCF in retail deposits, personal loans, and professional real estate credit, though at vastly greater scale.
• La Banque Postale: French retail bank with strong consumer credit and credit consolidation operations through La Banque Postale Consumer Finance. Comparable in retail customer base and consumer credit focus.
• Crédit Mutuel: Large French cooperative banking group with retail and specialized financing offerings. Competes with My Money Bank across retail deposits, consumer credit, and credit consolidation.
• Société Générale: Major French universal bank with significant retail and consumer finance operations including consumer credit and auto financing through subsidiaries. Overlaps broadly with both poles of Groupe CCF.
• Caisse d'Epargne (BPCE Group): French regional savings bank within BPCE Group, active in retail banking, consumer credit, and housing/professional financing. Comparable domestic footprint and product overlap.

Emerging players

• Floa Bank: French consumer credit and payment solutions provider (formerly Casino's credit business), offering credit consolidation and installment credit. Emerging competitor in My Money Bank's specialty credit niches.
• Younited Credit: French online consumer credit platform offering personal loans and credit consolidation. Emerging digital competitor overlapping with My Money Bank's credit consolidation product.

Direct peers

• Cofidis: Major French consumer credit specialist providing credit consolidation, auto loans, and personal financing. Direct competitor in credit consolidation and auto financing segments of My Money Bank's Specialized Financing pole.
• BNP Paribas Personal Finance (Cetelem): Consumer credit arm of BNP Paribas offering credit consolidation, auto financing, and personal loans across France and Europe. Most direct comparable to My Money Bank's specialized financing pole given overlapping product mix and target customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/my-money-group

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries5 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 My Money Bank