CA Auto Bank

What CA Auto Bank does

CA Auto Bank S.p.A. is an Italian licensed bank (Albo delle banche n. 5764) headquartered in Torino, wholly owned by Crédit Agricole Personal Finance & Mobility, providing vehicle financing, financial leasing, credit cards, deposit accounts, and personal loans across 17 European countries. The bank distributes its products through a hybrid model combining direct digital channels (corporate websites, the My CA Auto Bank mobile app, Wallet Digitale) with dealer-intermediated point-of-sale financing partnerships with multiple OEMs and dealer groups including BYD, JAECOO, OMODA, DR Automobiles, Caterham, EMC Auto/Foton, Olmedo Special Vehicles, and the Erwin Hymer Group (approximately 400 European dealers). Revenue is generated primarily through interest on vehicle and personal loans, deposit funding spread, credit card interchange and revolving balances, leasing income, and B2B transaction fees from the CA Auto Pay payment platform for automotive and mobility businesses.

The bank operates a digital banking platform built on PSD2-compliant payment systems, an Open Banking API provided through technology partner Cedacri Group (announced 2025-05-16), biometric and 3D Secure 2.1 security, and CRM-integrated dealer financing workflows. A dedicated sustainability strategy and a €250 million European Investment Bank facility support SME financing for low-emission vehicles. The wholly-owned mobility subsidiary Drivalia provides rental, subscription, and certified pre-owned vehicle e-commerce (Drivalia Future, launched in 2025), creating an integrated vehicle purchase-through-financing-through-usage ecosystem.

CA Auto Bank is regulated by Banca d'Italia, GDPR- and PSD2-compliant, ISO 27001 certified, and aligned with the EU Accessibility Act; deposit accounts are protected up to €100,000 per depositor through FITD membership. The customer base is hybrid (retail consumers, SMEs, automotive dealers, and mobility service providers), with diversified geographic exposure across Western, Central, and Southern Europe but concentrated product exposure to consumer vehicle financing and Italian retail deposits.

Name

CA Auto Bank

Legal name

CA Auto Bank S.p.A.

Website

https://ca-autobank.it

Company type

Private

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

CA Auto Bank is an Italian licensed bank, a wholly-owned subsidiary of Crédit Agricole Personal Finance & Mobility, providing vehicle financing, leasing, credit cards, deposit accounts, personal loans, and B2B payment services across 17 European countries through OEM/dealer partnerships and direct digital channels.

Ownership category

akta.pro rank

Product category

Automotive Financing

NAICS

Sales Financing (522220)

SIC

Personal Credit Institutions (6141), State Commercial Banks (6022)

akta.pro primary industry

New & Used Auto Purchase Loans (FSAKADAA)

akta.pro secondary industries

Auto Loan Servicing & Collections (FSAKADAK), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

Keywords

• Auto vehicle financing
• Consumer banking services
• Financial leasing
• Dealer financing solutions
• Automotive credit lending

Headquarters

HQ city

Torino

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Vehicle Financing: Auto loans and financing for new and used vehicles, including cars, motorcycles, caravans/campers, and commercial vehicles. Revenue generated from interest on financing agreements with both retail customers and dealers.
2. Financial Leasing: Operating and finance leases for vehicles, primarily serving business customers and dealers across European markets.
3. Credit Cards: Revolving credit card products including Carta Futura (installment-focused), Carta Drivalia, and branded CA Auto Bank cards. Revenue from interchange fees, interest on revolving balances, and annual fees.
4. Deposit Accounts: Conto Deposito (deposit account) and Conto Remunerato (remunerated current account) products paying interest to depositors. Bank uses deposits to fund lending operations.
5. Personal Loans: Unsecured personal loans for consumer needs beyond vehicle financing, available through digital channels and dealer partnerships.
6. B2B Payment Solutions (CA Auto Pay): Payment infrastructure services for automotive and mobility businesses, enabling installment payment options for their customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

CA Auto Bank is an Italian-licensed bank (S.p.A.) that provides vehicle financing (auto, motorcycles, caravans/campers, commercial vehicles), financial leasing, retail credit cards (Carta Futura, Carta Drivalia, branded cards), savings products (Conto Deposito, Conto Remunerato), personal loans, and B2B payment solutions (CA Auto Pay) to automotive dealers and mobility businesses. The bank operates across 17 European countries, distributing products both directly through digital channels and indirectly via dealer point-of-sale partnerships.

Product overview

CA Auto Bank is a comprehensive banking platform for mobility, offering vehicle financing (auto, motorcycles, caravans, commercial vehicles), financial leasing, rental and subscription services through Drivalia brand, credit cards (Carta Futura, Carta Drivalia, Carta CA Auto Bank), savings products (Conto Deposito, Conto Remunerato), personal loans, CA Auto Pay for automotive payment solutions, and Open Banking services. The core platform is complemented by the My CA Auto Bank digital banking app and Wallet Digitale for payment management.

Differentiator

Problem solved

Functional benefit

Products and services

• Finanziamenti Auto (Vehicle Financing) Auto loans and financing for new and used automobiles, motorcycles, caravans/campers, and commercial vehicles. Available through dealer point-of-sale partnerships and direct digital channels.
• Leasing Finanziario (Financial Leasing)
• CA Auto Pay
• Carta Futura Credit Card
• Carta Drivalia
• Carta CA Auto Bank
• €co Club Loyalty Program
• Conto Deposito
• Conto Remunerato
• Prestiti Personali (Personal Loans)
• My CA Auto Bank Digital Banking Platform
• Drivalia Rental and Subscription Services
• Drivalia Future (Used Car E-commerce) Online e-commerce platform launched in 2025 for purchasing guaranteed/certified pre-owned vehicles under the Drivalia brand.

Quantifiable outcome

• European Investment Bank facility of up to €250 million for SME financing of low-emission vehicles
• +2 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature6 records

Partnerships

Eleven partnerships are on record, tiered core, major, strategic and specialty.

• Cedacri GroupcoreTechnology or Integration · 16 May 2025Technology partner providing the multi-operator platform and PSD2 Open Banking API infrastructure. Cedacri publishes technical API specifications and provides the Sandbox environment for Third Party Providers to test connectivity.
• DrivaliacoreChannel Partner/ Reseller/ DistributorDrivalia is the mobility brand under CA Auto Bank Group, offering vehicle rental, subscriptions, and e-commerce for certified used vehicles. CA Auto Bank holds and promotes Drivalia as its corporate mobility subsidiary, with dedicated Drivalia Mobility Stores and co-branded products including Carta Drivalia credit card.
• BYDmajorChannel Partner/ Reseller/ DistributorStrategic financing partnership for BYD electric vehicles in Italy. CA Auto Bank provides financing programs for BYD Atto 3 Evo and Dolphin Surf models with promotional rates starting from 0% TAN.
• DR AutomobilesmajorChannel Partner/ Reseller/ DistributorStrategic partnership established in 2022 and extended in 2025 to include Tiger and Birba brands. Covers DR, ICH-X, Sportequipe, and EVO brands for vehicle financing in the Italian market.
• Erwin Hymer GroupmajorChannel Partner/ Reseller/ DistributorNon-exclusive European partnership continued since 2015, supporting approximately 400 dealers across Europe for caravan and motorhome financing. One of the leading European manufacturers of recreational vehicles.
• Caterham CarsstrategicChannel Partner/ Reseller/ DistributorFinancing agreement for the legendary Caterham Seven sports car, expanding CA Auto Bank's presence in the premium performance vehicle segment.
• JAECOOmajorChannel Partner/ Reseller/ DistributorFinancing partnership for JAECOO 7 Superhybrid Select vehicle sales in Italy through Omoda JAECOO Italia distribution network.
• OMODAmajorChannel Partner/ Reseller/ DistributorFinancing partnership for OMODA 5 EV Pure electric vehicle sales through Omoda JAECOO Italia dealer network.
• Olmedo Special VehiclesspecialtyChannel Partner/ Reseller/ DistributorStrategic financing agreement for ambulances and accessible mobility vehicles, expanding CA Auto Bank's presence in the special vehicles segment for healthcare and mobility accessibility.
• EMC AutomajorChannel Partner/ Reseller/ DistributorExclusive Italian partnership for EMC Auto and Foton brand vehicle financing. EMC Auto is a historic importer and distributor for Italy of EMC Auto and Foton brands.
• Tiger RacingmajorChannel Partner/ Reseller/ DistributorFinancing partnership for Tiger Six 1.5 Turbo petrol vehicle, offered through Tiger Racing dealer network in Italy.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Market position

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ca-auto-bank

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

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 CA Auto Bank