Natixis Interépargne
Natixis Interépargne is a French regulated financial services firm that administers employee savings and retirement plans for French employers and their employees through FCPE funds, a digital platform (web and mobile), and BPCE Group distribution channels.
- Company typePrivate
- Founded2006
- HeadquartersCaen, France
- Headcount—
- GTM typeB2B
- OfferingServices
What Natixis Interépargne does
Natixis Interépargne is a French regulated financial services firm specializing in employee savings (épargne salariale) and retirement savings (retraite) administration, operating as a wholly-owned subsidiary of Natixis Investment Managers within the BPCE Group, France's second-largest banking group. The company operates a B2B2C model, contracting with French employers (SMEs, mid-caps, and large enterprises) to administer employee savings schemes (PEE, PERCO/PER Collectif) and collective retirement plans, which employees then access via the Espace Personnel web portal and the Mon Epargne Salariale mobile application (iOS/Android), supported in 13 languages.
The company's product offering centers on FCPE (Fonds Communs de Placement d'Entreprise) fund ranges: the multi-company Gamme Avenir, the partner-managed Gamme Sélection (with feeders into Mirova, DNCA, Dorval, Ostrum, and VEGA IS strategies), the responsible investment Gamme Impact ISR, and the Gamme Expertise ESG. The platform architecture includes AI-powered callbot/chatbot for customer service, trusted-device no-password authentication, account aggregation across multiple savings managers, an extra-financial data tab on fund sheets, and free digital simulators (savings, capital, annuity, employer contribution, and tax impact). Tech infrastructure is hosted with OLEANE (France Telecom).
Natixis Interépargne generates revenue through three primary streams: recurring fund management and administration fees on employee savings and retirement plans (the underlying FCPE funds are managed by Natixis Investment Managers and its subsidiaries); insurance intermediation commissions (registered with ORIAS No. 10 058 367) for distributing insurance-based savings and retirement products (PERin, assurance-vie); and corporate account-keeping fees for scheme setup, administration, record-keeping, and reporting services to employer clients. Distribution combines direct enterprise sales, the BPCE Group banking network (Banque Populaire, Caisse d'Epargne), digital self-service, and call center support, with the customer service operation based in Caen and headquarters in Paris.
Natixis Interépargne firmographics
Firmographics- Name
- Natixis Interépargne
- Legal name
- NATIXIS INTEREPARGNE
- Website
- https://interepargne.natixis.com
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Short description
- Natixis Interépargne is a French regulated financial services firm that administers employee savings and retirement plans for French employers and their employees through FCPE funds, a digital platform (web and mobile), and BPCE Group distribution channels.
- Ownership category
- akta.pro rank
Natixis Interépargne industry classification
Industry- Product category
- Employee Savings & Retirement
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Pension Funds (52511), Insurance and Employee Benefit Funds (5251)
- SIC
- Insurance Agents, Brokers & Service (6411), Finance Services (6199)
- akta.pro primary industry
- Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)
- akta.pro secondary industries
- Retirement Income Planning & Decumulation Advisory (FSAEABAD), Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF)
Keywords
Where Natixis Interépargne is headquartered
LocationHeadquarters
- HQ city
- Caen
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
Natixis Interépargne business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Fund Management and Administration Fees: Natixis Interépargne earns fees for administering employee savings plans (PEE, PERCO/PER Collectif) and manages or oversees FCPE (Fonds Communs de Placement d'Entreprise) funds. These include both direct management fees and fees passed through from the fund management companies. The company is a 100%-owned subsidiary of Natixis Investment Managers, which itself manages the underlying investment funds.
- Insurance Intermediation: Natixis Interépargne acts as an insurance intermediary registered with ORIAS (No. 10 058 367), distributing insurance-based savings and retirement products (PERin, assurance-vie) in partnership with insurance companies, earning commission on product distribution.
- Corporate Services and Account Keeping: Provides companies with employee savings scheme setup, administration, record-keeping, and reporting services. Revenue is derived from fees charged to employer clients for managing their employee savings and retirement programs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free digital simulator tools for all users |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels8 records
Natixis Interépargne product offering
Product offeringCore offering
Natixis Interépargne administers employee savings (épargne salariale) and collective retirement savings plans for French companies and their employees, distributing FCPE fund ranges (Avenir, Sélection, Impact ISR, Expertise ESG) and PER Collectif retirement plans. Services include scheme setup, plan administration, fund governance, and record-keeping for employers, and a digital account management experience for employees via the Espace Personnel web portal and Mon Epargne Salariale mobile app. The company also acts as an insurance intermediary for PERin and assurance-vie products distributed in partnership with insurance companies.
Product overview
Natixis Interépargne is a leading provider of employee savings (épargne salariale) and retirement solutions in France. The company offers a comprehensive platform centered on FCPE (Fonds Commun de Placement d'Entreprise) funds, including the Gamme Avenir multi-company fund range, Gamme Sélection feeder funds from various management partners, Gamme Impact ISR responsible investment funds, and Gamme Expertise ESG. Customers access services through the Espace Personnel web platform and Mon Epargne Salariale mobile application for iOS and Android. The offering includes collective retirement savings plans (PER Collectif), individual fund management, savings simulators, and personalized financial advice tools. The company serves both employees (épargnants) and businesses (entreprises) with account management, fund performance tracking, and retirement planning services.
Differentiator
Problem solved
Functional benefit
Brands
- Mon Épargne Salariale: Mobile application for managing employee savings accounts on iOS and Android platforms.
Products and services
- Mon Epargne Salariale mobile application Native iOS/Android mobile app that lets employees of client companies view balances, modify investment allocations, make voluntary contributions, request early fund unlocks, and access their employee savings and retirement services on the go, with trusted-device and biometric authentication.
- Espace Personnel (Personal Space) Online web portal (in 13 languages) where employees manage their PEE, PER Collectif, and other employee savings and retirement accounts, view fund performance, change allocations, run simulators, and aggregate accounts from multiple managers in a single view.
- FCPE Gamme Avenir Multi-company employee savings fund range with compartments such as Avenir Actions Monde, Avenir Dynamique, Avenir Equilibre, Avenir Rendement, Avenir Monétaire, and Avenir Mixte Solidaire, distributed to client company employees.
- FCPE Gamme Sélection Range of FCPE feeder funds investing in master strategies from partner asset managers including DNCA, Mirova, Dorval Asset Management, Ostrum Asset Management, and VEGA Investment Solutions, covering equities, bonds, and mixed strategies.
- FCPE Gamme Impact ISR Responsible investment fund range including Impact ISR Mixte Solidaire and Impact Actions Emploi Solidaire, focused on social impact and sustainable employment investments.
- FCPE Gamme Expertise ESG ESG-focused FCPE range with compartments for different risk profiles: Expertise ESG Equilibre, Expertise ESG Dynamique, and Expertise ESG Rendement.
- PER Collectif (Collective Retirement Savings Plan) Collective retirement savings plan (Plan d'Épargne Retraite Collectif) enabling employees of client companies to save for retirement with tax advantages, distributed and administered through the employee savings platform.
- FCPE Avenir Retraite (target-date funds) Target-date retirement fund range organized by retirement decade (e.g., 2020-2024 through 2060-2064) that automatically adjusts investment strategy as the target retirement date approaches.
- Sélection VEGA Souveraineté fund Newly launched FCPE feeder fund distributed by Natixis Interépargne and managed by VEGA Investment Solutions, investing in listed and unlisted European equities with a European sovereignty theme.
- Employee savings and retirement simulators Free online calculation tools (savings simulator, capital simulator, annuity simulator, employer contribution simulator, and tax impact simulator) that help employees model and plan their employee savings and retirement decisions.
- Corporate employee savings and retirement plan administration B2B service for French companies covering scheme setup, administration, record-keeping, fund governance, and HR/finance reporting for PEE, PER Collectif, and related employee savings and retirement plans, sold via direct enterprise sales and the BPCE Group network.
Quantifiable outcome
- 95% of savers are satisfied with Natixis Interépargne services (based on a December 2021 survey of over 1,000 respondents)
- +3 more outcomes
Companies that use Natixis Interépargne
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles2 records
Natixis Interépargne technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability4 records
Feature7 records
Natixis Interépargne partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and minor.
- VEGA Investment Solutions (VEGA IS)coreVEGA Investment Solutions is the fund management company (société de gestion) for the FCPE funds distributed by Natixis Interépargne, including the 'Sélection VEGA' fund range and the newly launched 'Sélection VEGA Souveraineté' fund focused on European sovereignty via listed and unlisted European equities. VEGA IS is the investment management arm of the BPCE Group specialized in employee savings solutions. Natixis Interépargne and VEGA IS co-develop and distribute these funds to client companies and their employees.
- BlaBlaCar DailyminorA sustainability and mobility partnership in which Natixis Interépargne supports eco-mobility for commuting (domicile-travail) among its employees and stakeholders. The partnership is part of Natixis Interépargne's CSR (RSE) strategy and was conducted jointly with other Caen-based companies including Crédit Agricole Normandie and Ramsay Santé. It reflects Natixis Interépargne's commitment to sustainable development.
- France Retraite by Diot SiacicoreFrance Retraite by Diot Siaci is a retirement planning specialist partner with whom Natixis Interépargne co-hosts webinars on retirement preparation and the impact of career trajectories on pension levels. The partnership involves joint educational content creation (webinars, replays) and joint webinaire events featuring experts from both organizations (Patrick Behanzin, Natixis Interépargne; Françoise Kleinbauer, France Retraite by Diot Siaci).
- ANDRH (Association Nationale des Directeurs des Ressources Humaines)coreANDRH is France's national HR professionals association. Natixis Interépargne partners with ANDRH on educational podcasts covering topics such as employee ownership (actionnariat salarié), financial management applied to employee savings, and value-sharing. The partnership positions Natixis Interépargne as a thought leader among HR decision-makers.
- PME-ETIminorA media partnership with the PME-ETI business information website, through which Natixis Interépargne produces educational video content for business leaders about employee savings and retirement schemes. The partnership includes two pedagogical videos featuring Patrick Behanzin (Director Marketing, Offer & Digital) and Laure Rabelle (Head of Digital) discussing retirement preparation and career path analysis.
- Emma LunattiminorEmma Lunatti, a French rower on the national team and former biathlete, was sponsored by Natixis Interépargne as an athlete ambassador in connection with the Paris 2024 Olympic Games. This sponsorship was part of Natixis Interépargne's employer brand and RSE engagement strategy.
- Natixis Investment Managers InternationalcoreNatixis Investment Managers International is the fund management company for many FCPE funds (Avenir range, Impact ISR, and Sélection DNCA/Mirova/Dorval/Ostrum funds) that Natixis Interépargne distributes. Natixis Interépargne is a 100%-owned subsidiary of Natixis Investment Managers, creating a tightly integrated parent-subsidiary distribution relationship.
- Mirova (Natixis IM subsidiary)coreMirova manages the master funds (MIROVA EUROPE ENVIRONMENTAL EQUITY, MIROVA GLOBAL SUSTAINABLE EQUITY) underlying the 'Sélection Mirova' FCPE feeder funds distributed by Natixis Interépargne. These are Article 9 SFDR funds focused on environmental and sustainable equity investing.
- Banque PopulairecoreBanque Populaire collaborated with Natixis Interépargne to develop an unprecedented responsible profit-sharing scheme in France. The scheme allows all employees to participate in company results with a bonus tied to the achievement of RSE (CSR) criteria, representing an innovative application of France's value-sharing legislation.
- DNCA FinancecoreDNCA Finance manages master funds (DNCA INVEST – BEYOND SEMPEROSA, DNCA INVEST – BEYOND ALTEROSA, DNCA SERENITE PLUS, DNCA VALUE EUROPE) underlying 'Sélection DNCA' and other FCPE feeder funds distributed by Natixis Interépargne. These include ISR and mixed-asset strategies.
- Dorval Asset ManagementcoreDorval Asset Management manages the DORVAL GLOBAL ALLOCATION (formerly DORVAL GLOBAL CONVICTIONS) master fund underlying the 'Sélection Dorval Global Convictions' FCPE distributed by Natixis Interépargne. The fund features two ESG intensity indicators and minimum sustainable investment commitments.
- Ostrum Asset Management (Natixis IM)coreOstrum Asset Management manages the OSTRUM Europe MinVol Equity master fund underlying the 'Sélection Ostrum Actions Europe' FCPE distributed by Natixis Interépargne.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Natixis Interépargne competitors and assessment
Company assessmentEmerging players
- Swile: French employee benefits platform combining meal vouchers, gift cards, and increasingly savings/financial wellbeing features. An emerging player expanding into adjacent employee financial services, potentially encroaching on Natixis Interépargne's employer relationships over time.
- Alan (employee benefits): French health insurance and employee benefits insurtech expanding into broader employee financial services. While not directly competing in employee savings today, its B2B employer positioning and modern tech stack represent a forward-looking emerging player in employee financial services that Natixis Interépargne must monitor.
Broad incumbents
- Natixis Wealth Management: Sister entity within the Natixis/BPCE ecosystem providing broader wealth management services. Not a direct employee savings competitor, but adjacent as part of the same parent's financial services portfolio, with shared distribution channels and client base.
Direct peers
- Federal Finance (Crédit Mutuel Arkéa): Crédit Mutuel Arkéa's employee savings and retirement subsidiary, managing FCPE funds and corporate savings plans. Comparable mid-sized French market player with similar B2B2C distribution and ESG fund ranges.
- Amundi Employee Savings & Retirement: Amundi, the asset management arm of Crédit Agricole, runs one of France's largest employee savings and retirement businesses. Offers FCPE fund management and PEE/PERCO administration, with similar ESG-labeled product ranges and direct competition for French corporate clients.
- Eres (BNP Paribas): Specialized in employee share ownership (actionnariat salarié) and related savings vehicles, with strong expertise in FCPE dedicated funds. Now part of BNP Paribas, it overlaps with Natixis Interépargne on corporate savings scheme administration and employee ownership consulting.
- BNP Paribas Epargne & Retraite Entreprises: BNP Paribas Group's dedicated employee savings and retirement entity. Direct competitor offering PEE, PERCO, PER Collectif administration, and FCPE distribution to French corporates. Competes head-to-head for the same employer clients and employee savers.
- HSBC Epargne Salariale (France): HSBC's French employee savings business offering PEE, PERCO, and PER administration. Targets multinational and large French corporates — overlapping with Natixis Interépargne on enterprise clients, with the international group providing distribution advantage.
- AXA Epargne Salariale et Retraite: AXA's French employee savings and retirement offering, including PER assurance and PEE/PERCO products distributed through the AXA network. Competes on insurance-based wrappers and ESG options for French employer schemes.
- Société Générale Epargne Salariale: Société Générale's employee savings subsidiary offering PEE, PERCO, and PER administration, FCPE fund distribution, and digital management tools. Direct competitor with a comparable B2B2C model targeting French corporates.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
Natixis Interépargne social profiles
Digital presenceNatixis Interépargne compliance and trust
Trust signalCompliance2 records
Natixis Interépargne financial estimates
Financial estimateRevenue estimate
Valuation estimate
Natixis Interépargne leadership team
Management profileNumber of profiles
Profiles9 records
Natixis Interépargne funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Natixis Interépargne 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 Natixis Interépargne
What does Natixis Interépargne do?
Natixis Interépargne administers employee savings (épargne salariale) and collective retirement savings plans for French companies and their employees, distributing FCPE fund ranges (Avenir, Sélection, Impact ISR, Expertise ESG) and PER Collectif retirement plans. Services include scheme setup, plan administration, fund governance, and record-keeping for employers, and a digital account management experience for employees via the Espace Personnel web portal and Mon Epargne Salariale mobile app. The company also acts as an insurance intermediary for PERin and assurance-vie products distributed in partnership with insurance companies.
Is Natixis Interépargne a public or private company?
Natixis Interépargne is a private company. It is classified as corporate owned and is currently operating.
When was Natixis Interépargne founded?
Natixis Interépargne was founded in 2006.
Where is Natixis Interépargne based?
Natixis Interépargne is headquartered in Caen, France, in the Europe region.
How does Natixis Interépargne make money?
Three revenue lines are on record. Fund Management and Administration Fees are the primary driver. The others are insurance Intermediation and corporate Services and Account Keeping.
Who are Natixis Interépargne's main competitors?
Emerging players on record are Swile and Alan (employee benefits). Natixis Wealth Management is listed as a broad incumbent. Direct peers are Federal Finance (Crédit Mutuel Arkéa), Amundi Employee Savings & Retirement, Eres (BNP Paribas), BNP Paribas Epargne & Retraite Entreprises, HSBC Epargne Salariale (France), AXA Epargne Salariale et Retraite and Société Générale Epargne Salariale.
Does Natixis Interépargne have an API?
No public API is recorded for Natixis Interépargne.
What industry is Natixis Interépargne in?
Natixis Interépargne's product category is Employee Savings & Retirement. Its primary akta.pro industry code is FSAEABAE, Employer Retirement Plan Advisory (401(k)/Pension), with a secondary code of FSAEABAD, Retirement Income Planning & Decumulation Advisory. Its NAICS code is 5242 and its SIC code is 6411.