My Money Bank

What My Money Bank does

My Money Bank S.A. is a French credit institution authorized by the ACPR and wholly owned within Groupe CCF, specializing exclusively in credit consolidation and refinancing (rachat/régroupement de crédits) for individual borrowers and professionals. The company combines multiple existing loans — mortgage, consumer credit, auto, revolving, and personal debt — into a single loan with one monthly payment, one interest rate, and one creditor, offered in variants with or without mortgage guarantee, with fixed rates and 10-25 year durations. Its product portfolio includes specialized lines for seniors (graduated payments for retirement), civil servants, liberal medical professionals, and divorce buyout (soulte) situations, plus optional borrower insurance distributed through AXA France and Assuréa Distribution under ORIAS registration.

The digital platform is built on a web-based simulation engine, secure client document exchange space (hosted on AWS in Ireland), electronic signature capabilities, and automated eligibility scoring using statistical default risk models. Algorithmic property valuation is integrated through a joint data controller arrangement with Falguière Conseil. Distribution is hybrid: direct-to-consumer via the mymoneybank.fr website and phone-based advisors, plus a broker (IOB) channel. The bank reports a 4.5/5 average customer satisfaction rating and claims 25+ years of specialization, originating from the historical acquisitions of Crédit de l'Est and Banque SOVAC.

Revenue is generated primarily through interest income on consolidated loan portfolios (with example TAEG around 5%), supplemented by insurance distribution commissions on borrower insurance products. Geographic coverage spans metropolitan France and the Overseas Departments via subsidiaries SOREFI (La Réunion) and SOMAFI-SOGUAFI (Martinique/Guadeloupe). The bank holds regulatory memberships with the ASF and FGDR, complies with GDPR, AML/CFT, and Sapin II obligations, and is led by Directeur Général Niccolo Ubertalli. My Partner Bank is a wholly-owned subsidiary focused on professional and real estate financing.

Name

My Money Bank

Legal name

My Money Bank S.A.

Website

https://mymoneybank.fr

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

501–1,000 employees

Short description

My Money Bank is a French ACPR-authorized credit institution within Groupe CCF that specializes exclusively in consumer and mortgage credit consolidation (rachat de crédits), serving property owners, seniors, civil servants, medical professionals, and divorcees across metropolitan France and overseas territories via direct digital and broker channels.

Ownership category

akta.pro rank

Product category

Consumer Lending / Credit Consolidation Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

akta.pro secondary industries

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK), Direct Lending — Asset-Based Lending (ABL) (FSAHAJAE)

Keywords

• Credit consolidation
• Loan refinancing
• Consumer lending
• Mortgage loans
• Borrower insurance

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Interest Income: The primary revenue stream comes from interest charged on consolidated loans. Credit consolidation products generate interest income through fixed rate mortgages and consumer credit facilities, with loan durations ranging from 10 to 25 years.
2. Insurance Distribution Commission: My Money Bank distributes borrower insurance (assurance emprunteur) through partnerships with AXA France Vie, AXA France IARD, and Assuréa Distribution, earning commissions on insurance policies sold alongside credit products.
3. Insurance Intermediation: Registered as an insurance intermediary under ORIAS number 07 023 998, the bank earns commissions from distributing insurance products including creditor insurance and related coverage.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

My Money Bank is a French online bank that fundamentally offers credit consolidation (rachat de crédits) and loan refinancing products. The core service combines multiple existing loans (mortgage, consumer credit, auto loans, personal loans, revolving credit) into a single new loan with one monthly payment, one interest rate, and one creditor, available with or without mortgage guarantee. Complementary offerings include optional borrower insurance (assurance emprunteur) distributed through AXA France and Assuréa Distribution partners.

Product overview

My Money Bank is a French online bank specializing exclusively in loan consolidation and refinancing (rachat/régroupement de crédits). Its core product is a unified loan consolidation platform that combines multiple existing loans (mortgage, consumer credit, auto loans, personal loans, and other debts) into a single new loan with one monthly payment, one interest rate, and one creditor. The flagship Rachat de crédits product is offered in two primary variants: Rachat de crédits avec crédit immobilier (consolidation that includes or refinances mortgage loans, the company's 25+ year specialty) and Rachat de crédits sans crédit immobilier (consumer loan consolidation without touching the existing mortgage). The bank also offers a full portfolio of specialized sub-products addressing specific life events and professional profiles: Rachat de crédits Hypothécaire (mortgage-secured consolidation), Rachat de crédits Séniors (with tiered payment schedules adapting to retirement income), Rachat de crédits Fonctionnaire (for public sector employees), Rachat de crédits Professions Libérales Médicales (for self-employed medical professionals), and Rachat de soulte (for buyout of co-owner's share in divorce/separation). Complementary products include optional Borrower Insurance (Assurance Emprunteur Groupe via AXA and Assuréa Distribution) and the Convention AERAS framework for borrowers with aggravated health risks. Supporting self-service tools include an online simulation calculator and an educational guide/FAQ. The entire offering is distributed directly via the website without intermediary/courtage fees.

Differentiator

Problem solved

Functional benefit

Products and services

• Rachat de crédits (Regroupement de crédits) Core loan consolidation and refinancing product combining multiple existing loans (consumer credit, mortgage, auto loans, revolving credit) into a single unified loan with one monthly payment, one interest rate, and one creditor. The bank's flagship offering, available with or without mortgage guarantee.
• Rachat de crédits avec crédit immobilier Loan consolidation product that combines mortgage loans and consumer loans into a single refinancing loan. The bank's specialty for over 25 years, enabling homeowners to keep their existing mortgage or include it in the consolidation.
• Rachat de crédits sans crédit immobilier (Consommation) Consumer loan consolidation product for homeowners who do not wish to pay off their existing mortgage or have already fully repaid it. Consolidates consumer loans (auto, personal, works) into a single loan while preserving the existing mortgage with the borrower's current bank.
• Rachat de crédit hypothécaire Loan consolidation secured by a first-rank mortgage on real estate property. The consolidated amount is guaranteed by the property, with a longer repayment term and fixed interest rate, used when the consolidated loan amount is substantial.
• Rachat de crédits Séniors Specialized loan consolidation product for seniors and retirees that accounts for income reduction upon retirement. Features tiered payment schedules (paliers) programmable to decrease when the borrower transitions to retirement.
• Rachat de crédits Fonctionnaire Specialized loan consolidation product for public sector employees (state, territorial, hospital, police, military). Recognized for stable professional and financial profiles, this product simplifies budget management with a single loan and monthly payment.
• Rachat de crédits Professions Libérales Médicales Specialized loan consolidation product for self-employed medical and liberal professionals, addressing the unique financial challenges of their professional status. Consolidates multiple loans including mortgage, works, and personal loans into a single monthly payment.
• Rachat de soulte (divorce/séparation) Specialized refinancing product enabling property owners to finance the buyout of a co-owner's share (soulte) in the context of divorce or separation. Allows the purchasing spouse to keep the family home while paying compensation to the departing co-owner, integrated into a broader loan consolidation.
• Assurance Emprunteur Groupe (AXA) Optional group borrower insurance distributed by My Money Bank and underwritten by AXA France Vie and AXA France IARD. Covers risks including death, permanent and irreversible loss of autonomy (PTIA), temporary total disability (ITT), permanent total disability (IPT), and job loss. Available for both mortgage-guaranteed and non-mortgage loan consolidation products.
• Assurance Emprunteur (Assuréa Distribution) Borrower insurance distributed via Assuréa Distribution partner for mortgage-guaranteed loan consolidation products. Offers coverage options adapted to the borrower's age, situation, and needs.

Quantifiable outcome

• Example: Laurence (54) and Marc (55) reduced monthly payments from 1,855.14 EUR to 1,275.04 EUR (-31%) through 20-year consolidation
• +2 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability2 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core, supporting, infrastructure and subsidiary.

• AXA France Vie and AXA France IARDcoreStrategic or Co-development PartnerAXA France Vie (capital 487,725,073 EUR) and AXA France IARD (capital 214,799,030 EUR) provide group borrower insurance (Assurance Emprunteur Groupe) for My Money Bank's credit consolidation products. These contracts cover death, total permanent disability, temporary work incapacity, permanent total disability, and unemployment. The insurance is distributed alongside credit products as optional coverage.
• Assuréa DistributionsupportingChannel Partner/ Reseller/ DistributorAssuréa Distribution (SAS with capital of 17,125 EUR, registered with ORIAS n°11063471) is an insurance distribution partner providing borrower insurance for mortgage-backed credit consolidation products. Located in Meyreuil, the company distributes insurance products on behalf of My Money Bank.
• Amazon Web Services (AWS)infrastructureOthersAWS provides cloud hosting infrastructure for My Money Bank's website and digital services. The website is hosted in Ireland (EU) by Amazon Web Services LLC, providing scalable and secure cloud infrastructure for the bank's online operations.
• Falguière ConseilsupportingTechnology or IntegrationFalguière Conseil collaborates with My Money Bank as joint data controllers for automated real estate valuations. The partnership enables algorithmic property value estimation as part of the credit consolidation assessment process for applications involving mortgage guarantees.
• SOREFI (Société Réunionnaise de Financement)subsidiaryOthersPart of the Groupe CCF, SOREFI (capital 8,155,785 EUR, registered ORIAS 07023842) is based in La Réunion and operates as a financing company and insurance intermediary serving the Overseas Departments.
• SOMAFI-SOGUAFIsubsidiaryOthersPart of the Groupe CCF, SOMAFI-SOGUAFI (capital 21,181,215 EUR, registered ORIAS 07023999) is based in Martinique and provides financing and insurance intermediary services in the French Caribbean territories.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Boursorama Banque: Boursorama Banque is a major French online bank offering consumer loans and mortgage refinancing alongside core banking. While not a pure consolidation specialist, its digital D2C model and French customer base overlap with My Money Bank's online origination approach.
• Carrefour Banque: Carrefour Banque is the banking arm of Carrefour offering consumer credit, personal loans, and credit cards to French retail customers. It overlaps with My Money Bank's consumer-credit consolidation offering for non-mortgage-secured borrowers.

Broad incumbents

• Crédit Agricole Consumer Finance: Crédit Agricole Consumer Finance (including Sofinco and Créatis) is a top-tier French consumer credit provider offering credit consolidation, personal loans, and revolving credit. It is a broad incumbent competing across all the same segments My Money Bank serves.
• Société Générale (consumer credit arm): Société Générale, through its consumer credit and banking subsidiaries, offers mortgage-secured consolidation, personal loans, and refinancing products to French households. It is a broad incumbent with overlapping customer segments and similar distribution channels.
• Cetelem (BNP Paribas Personal Finance): Cetelem is BNP Paribas's consumer finance arm and one of France's largest consumer credit and consolidation lenders. It competes directly in rachat de crédits but as part of a much broader personal finance portfolio, giving it incumbent scale advantages over specialists like My Money Bank.

Direct peers

• Floa Bank: Floa Bank is a French digital bank (formerly Banque Casino) focused on consumer credit, payment solutions, and credit consolidation distributed both directly and through partners. It competes head-to-head with My Money Bank in online personal lending and consolidation.
• Younited Credit: Younited Credit is a French fintech providing online personal loans and credit consolidation directly to consumers across Europe. Its digital-first origination model, AI-based scoring, and focus on refinancing make it a direct peer in D2C consolidation lending.
• Cofidis: Cofidis is a major French consumer credit specialist (subsidiary of Crédit Mutuel) directly competing in credit consolidation (rachat de crédits), personal loans, and revolving credit to French households. It is the closest direct competitor to My Money Bank's core offering, with similar D2C and broker distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks2 records

Customer concentration

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 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