Oney
- Company typePrivate
- Founded1983
- HeadquartersCroix, France
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
Oney firmographics
Firmographics- Name
- Oney
- Legal name
- Oney Bank
- Website
- https://oney.fr
- Company type
- Private
- Founded year
- 1983
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Ownership category
- akta.pro rank
Oney industry classification
Industry- Product category
- Consumer Credit & BNPL
- NAICS
- Sales Financing (52222), Credit Card Issuing (522210), Depository Credit Intermediation (5221)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Virtual / Digital-First Credit Cards (FSAKABAK)
- akta.pro secondary industries
- Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Credit & Overdraft Enablement (Credit Lines, Underwriting Integrations) (FSAGAAAJ)
Keywords
Where Oney is headquartered
LocationHeadquarters
- HQ city
- Croix
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Oney business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- BNPL Fees: Revenue from payment installment fees charged to merchants and/or customers. For 3x payments: 1.67% capped at €30. For 4x payments: 2.50% capped at €60. Some partners offer fee-free installments.
- Credit Interest: Interest income from personal loans and revolving credit facilities. Personal loans at 4.50% TAEG fixed. Revolving credit at TAEG 23.30% (example). Long-term installment credit (5x-12x) at 11.90% TAEG fixed.
- Store Cards and Merchant Partnerships: Revenue from co-branded store cards (Auchan, Leroy Merlin, Boulanger, etc.) with annual card fees and credit facility management
- Digital Services: Revenue from e-account statements, digital banking services, and associated account management fees
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal loan: 18,000€ over 60 months at 4.50% TAEG fixed = 334.83€/month |
| Transaction based/ take rate | Pay-as-you-go | 3x4x Oney: purchases 100-6,000€ |
| Transaction based/ take rate | Monthly | 10x12x Oney: purchases 500-3,000€ |
| Transaction based/ take rate | Monthly | 5x12x: purchases 100-2,000€ |
| Usage-based | Monthly | Revolving Credit Virement+ |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Oney product offering
Product offeringCore offering
Oney Bank is an ACPR-licensed French credit institution that provides consumer credit and payment solutions, including Buy Now Pay Later (BNPL) installment plans (3x4x and 5x12x), revolving credit (Crédit Renouvelable Virement+), personal loans, credit consolidation, and co-branded store cards distributed through a network of 37,000 merchant partners. Services are delivered through a 100% digital journey with immediate eligibility decisions, complemented by secured payment processing, security insurance, cash advances, and ancillary benefits.
Product overview
Oney is a French financial services company offering a comprehensive suite of payment and credit solutions. The core product portfolio centers on BNPL (Buy Now Pay Later) offerings including 3x4x and 5x12x installment payment solutions, complemented by revolving credit (Crédit Renouvelable Virement+), personal loans (Prêt Personnel), and credit consolidation (Rachat de Crédit). Oney issues co-branded store cards with retail partners such as Auchan, Leroy Merlin, and Boulanger. Additional services include security insurance, cash advances, magazine subscriptions, and electronic statement delivery. All services are accessible through a 100% digital journey via web and mobile application.
Differentiator
Problem solved
Functional benefit
Brands
- 3x 4x Oney: Buy Now Pay Later (BNPL) payment solution allowing customers to pay in 3 or 4 installments
- Crédit Renouvelable Virement+
- Prêt Personnel
- Rachat de Crédit
Products and services
- 3x4x Oney (Paiement en 3x/4x) Buy Now Pay Later solution allowing customers to split purchases of €100 to €6,000 into 3 or 4 installments paid by credit card, available at partner merchants with fees of 1.67% capped at €30 (3x) or 2.50% capped at €60 (4x); fee-free at select merchants.
- 5x12x Oney (Paiement en 5x à 12x) Extended installment payment solution spreading purchases over 5 to 12 monthly payments via credit card with interest-bearing credit at displayed TAEG rates (e.g., TAEG fixe 11.90% for 10x). For purchases of €100 to €3,000 with mandatory down payment.
- Crédit Renouvelable Virement+ Revolving credit service providing a credit reserve that replenishes as repayments are made, with the ability to transfer funds directly to the customer's bank account on demand. TAEG rates vary and can exceed 22%.
- Prêt Personnel (Personal Loan) Unsecured personal loan for financing projects, available without project justification, with fixed TAEG rates (e.g., 4.50% TAEG fixe on €18,000 over 60 months) and terms up to 60 months.
- Rachat de Crédit (Credit Consolidation) Debt consolidation service combining multiple existing credits into a single loan with simplified monthly payments.
- Cartes Enseignes (Store Cards) Co-branded store cards in partnership with retailers such as Auchan, Leroy Merlin, and Boulanger, offering installment payments, cashback, and revolving credit options to retail customers.
- Assurance Sécurité Security insurance product covering card fraud, theft, and payment protection for Oney cardholders, administered in partnership with SPB.
- Avance d'Argent (Cash Advance) Cash advance feature allowing cardholders to withdraw cash against their revolving credit limit.
- Service Magazines Magazine subscription service offering over 250 magazine titles at preferential rates, with digital editions included and monthly billing to Oney accounts; managed in partnership with ADLPartner (Groupe Dékuple).
Quantifiable outcome
- 8.6 million customers trust Oney for financing and payment needs
- +2 more outcomes
Companies that use Oney
Customer profileNamed customers11 records
Segments3 records
Ideal customer profiles2 records
Oney technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability6 records
Feature3 records
Oney partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered flagship, major, minor and core.
- BoulangerflagshipMajor electronics retailer partner offering Oney 3x4x and 5x-12x payment solutions both in-store and online.
- DécathlonflagshipSports retailer partner offering Oney installment payment solutions to customers for sports and outdoor equipment purchases.
- CdiscountflagshipMajor French e-commerce platform offering Oney 3x4x, 5x-12x payment solutions for online purchases.
- Leroy MerlinflagshipHome improvement retailer with Oney store cards and credit facilities for customers financing home projects.
- KiabimajorFashion retailer partner offering Oney payment solutions for clothing and accessories purchases.
- Back MarketmajorRefurbished electronics marketplace partner offering Oney installment payment options.
- Showroom PrivémajorFlash sales e-commerce platform partner offering Oney payment solutions.
- NorautomajorAutomotive retailer partner offering Oney payment solutions for vehicle maintenance and equipment purchases.
- Air FrancemajorAirline partner offering Oney payment solutions for flight bookings and travel packages.
- Histoire d'OrmajorJewelry retailer partner offering Oney installment payment options.
- Fioul MarketminorHeating fuel retailer partner offering Oney payment solutions.
- BelongminorTelecommunications/electronics partner offering Oney payment solutions.
- SPB (Assurance Sécurité)coreInsurance partner providing Assurance Sécurité coverage for Oney cardholders. Handles insurance claims for fraud, theft, and payment protection. Contact: [email protected]
- ADLPartner (Groupe Dékuple)minorMagazine subscription service partner. ADLPartner manages Service Magazines for Oney cardholders, offering 250+ magazine titles at preferential rates.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Oney competitors and assessment
Company assessmentDirect peers
- Klarna: Klarna is the leading European BNPL provider operating across multiple markets including France. It competes directly with Oney's 3x4x and 5x12x installment products at merchant checkout, with comparable product breadth and digital UX.
- Franfinance: Franfinance is Société Générale's consumer finance subsidiary offering personal loans, revolving credit, and BNPL solutions at French retail point-of-sale. It is a direct competitor to Oney for both consumer credit and merchant partnerships.
- Younited Credit: Younited Credit is a French consumer credit marketplace and lender offering personal loans and BNPL solutions. It operates in overlapping product categories with Oney, particularly in digital lending and consumer credit distribution.
- Cetelem: Cetelem is BNP Paribas Personal Finance's consumer credit brand in France, offering personal loans, revolving credit, and point-of-sale financing. It competes directly with Oney across the French consumer credit product portfolio.
- Cofidis: Cofidis is one of France's largest consumer credit companies, part of Crédit Mutuel group. It offers personal loans, revolving credit, and BNPL solutions through merchant and dealer partnerships — a direct competitor to Oney in the French consumer credit market.
- Floa Bank: Floa Bank is a French digital bank specializing in BNPL and consumer credit, owned by BNP Paribas. It offers split payments, personal loans, and revolving credit through merchant partnerships — directly competing with Oney on the same product set and target market.
- Alma: Alma is a France-headquartered BNPL provider focused on merchant payment solutions. It offers installment payment options at online and in-store checkout — directly competing with Oney for French merchant BNPL partnerships.
Broad incumbents
- Affirm: Affirm is a leading US BNPL provider with some European expansion. While primarily US-focused, it represents the broader BNPL category dynamics that Oney competes against, with similar installment and point-of-sale financing products.
- Crédit Agricole Consumer Finance: Crédit Agricole Consumer Finance is the consumer credit arm of Crédit Agricole group, offering personal loans, revolving credit, and auto financing across France. As a large incumbent, it competes broadly with Oney across the French consumer credit landscape.
Emerging players
- Scalapay: Scalapay is a European BNPL provider (Italian-founded) expanding across France and other EU markets. It offers split-payment solutions at merchant checkout, competing with Oney's BNPL products particularly in fashion and lifestyle retail.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Oney social profiles
Digital presenceOney compliance and trust
Trust signalCompliance2 records
Oney financial estimates
Financial estimateRevenue estimate
Valuation estimate
Oney leadership team
Management profileNumber of profiles
Profiles7 records
Oney funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Oney M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Oney
What does Oney do?
Oney Bank is an ACPR-licensed French credit institution that provides consumer credit and payment solutions, including Buy Now Pay Later (BNPL) installment plans (3x4x and 5x12x), revolving credit (Crédit Renouvelable Virement+), personal loans, credit consolidation, and co-branded store cards distributed through a network of 37,000 merchant partners. Services are delivered through a 100% digital journey with immediate eligibility decisions, complemented by secured payment processing, security insurance, cash advances, and ancillary benefits.
Is Oney a public or private company?
Oney is a private company. It is classified as corporate owned and is currently operating.
When was Oney founded?
Oney was founded in 1983. It employs 1,001 to 5,000 people.
Where is Oney based?
Oney is headquartered in Croix, France, in the Europe region.
How does Oney make money?
Four revenue lines are on record. BNPL Fees are the primary driver. The others are credit Interest, store Cards and Merchant Partnerships and digital Services.
Who are Oney's main competitors?
Direct peers on record are Klarna, Franfinance, Younited Credit, Cetelem, Cofidis, Floa Bank and Alma. Broad incumbents are Affirm and Crédit Agricole Consumer Finance. Scalapay is listed as an emerging player.
Does Oney have an API?
No public API is recorded for Oney.
What industry is Oney in?
Oney's product category is Consumer Credit & BNPL. Its primary akta.pro industry code is FSAKABAK, Virtual / Digital-First Credit Cards, with a secondary code of FSAKAAAL, Bank & Credit Union Personal Loans (Unsecured Installment). Its NAICS code is 52222 and its SIC code is 6141.