Orange Bank

What Orange Bank does

Orange Bank was the online banking subsidiary of Orange Group, the French telecommunications conglomerate, operating from Montreuil, France. Founded in 2017, it served French retail and professional customers through a direct-to-consumer digital channel, offering current accounts and three credit products: consumer credit, real estate credit, and professional credit. The bank distributed primarily through the Orange Group telecom customer base and expanded its capability set in January 2021 through the acquisition of ANYTIME for an undisclosed amount.

Under the hood, Orange Bank ran compliance operations on the SAS Viya cloud-native platform using the SAS Real-Time Watchlist Screening solution delivered jointly by SAS and Neterium. The deployment provided real-time entity and payment screening with AI-powered fuzzy and semantic matching, automated watchlist updates, and reported operational results of a 65% reduction in false positives and approximately 10 ms transaction screening times.

Orange Bank operated as a wholly-owned private subsidiary of Orange Group, with no external venture backing. On 2024-09-02 the entity ceased to be a credit institution as Orange Group withdrew from the French online banking market. Customer accounts were closed, the credit portfolio was transferred to Antilope Loans, unclaimed balances were transferred to the Caisse des Dépôts et Consignations, and a wind-down successor entity (Orange OBK) was established to handle residual customer requests, document retrieval, and complaints. The company is no longer an active credit institution or revenue-generating enterprise.

Name

Orange Bank

Legal name

Orange Bank

Website

https://orangebank.fr

Company type

Private

Founded year

2017

Operating status

Closed

Headcount range

501–1,000 employees

Short description

Orange Bank was the online banking subsidiary of French telecom group Orange, serving French retail and professional customers with current accounts and consumer, real estate, and professional credit. Operations ceased on 2024-09-02 when Orange Group exited French online banking.

Ownership category

akta.pro rank

Headquarters

HQ city

Montreuil

HQ country

France

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Distribution channels1 record

Core offering

Orange Bank was an online retail bank in France that provided current accounts and a range of credit products — consumer credit, real estate credit, and professional credit — to individuals and professionals through a digital self-service platform. The bank has since ceased operations as a credit institution (effective September 2, 2024) following Orange Group's withdrawal from the French online banking market.

Product overview

Orange Bank was an online banking service operated by the Orange Group in France. The company has ceased operations and is no longer an active credit institution. The Group Orange has withdrawn from the online banking market in France. Orange OBK now exists solely to handle residual customer requests including closed accounts, transferred credits, and documentation requests for former Orange Bank customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Current Account (Online Banking) Online retail current account product offered to individual consumers in France, delivered through a digital self-service channel as part of Orange Bank's online banking suite.
• Consumer Credit Consumer credit product offered to individual retail customers in France through Orange Bank's online platform. Management was transferred to Antilope Loans following cessation of Orange Bank's credit institution activities.
• Real Estate Credit Real estate (mortgage) credit product offered to French retail customers through Orange Bank's online banking platform. Management was transferred to Antilope Loans after Orange Bank ceased operations.
• Professional Credit Professional credit product offered to professionals and self-employed individuals in France via Orange Bank's online platform. Management was transferred to Antilope Loans following Orange Bank's cessation of credit institution activities.

Quantifiable outcome

• 65% reduction in false positives
• +1 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• SAScoreTechnology or Integration · 1 November 2022SAS partnered with Neterium to provide Orange Bank with the SAS Real-Time Watchlist Screening solution for anti-money laundering and counter-terrorist financing compliance. The collaboration involved a two-year joint deployment starting in late 2022, with Orange Bank reporting significant operational improvements including 65% reduction in false positives and transaction screening times of approximately 10 milliseconds.
• NeteriumcoreTechnology or IntegrationNeterium collaborated with SAS to deliver the Real-Time Watchlist Screening solution deployed at Orange Bank. The solution is built on the SAS Viya platform and features real-time entity and payment screening with AI-powered matching algorithms. Both companies were positioned as Category Leaders in Chartis RiskTech Quadrants for Watchlist and Adverse Media Monitoring in 2024.
• Antilope LoansminorImplementation/ SI/ Consulting PartnerFollowing Orange Bank's cessation of operations, Antilope Loans became the new creditor and manager for transferred credits (consumer, real estate, and professional credits) effective September 2, 2024. The company now handles all management and follow-up of Orange Bank's transferred credit portfolios.

Scale indicators2 records

Recent moves6 records

Expansion highlights1 record

Direct peers

• Boursorama Banque: France's largest online bank, subsidiary of Société Générale, offering current accounts, savings, credit, and trading services to French retail customers. Direct competitor to Orange Bank in the French digital retail banking market, with a significantly larger customer base.
• Nickel: French digital banking service owned by BNP Paribas, offering basic accounts and payment services to mass-market and underbanked French customers through retail points of sale. Competed with Orange Bank for the same French retail digital banking segment, with a differentiated distribution model.
• Fortuneo Banque: French online bank subsidiary of Crédit Mutuel Arkéa, providing current accounts, savings, credit, and investment products to retail customers. Competed directly with Orange Bank for French online retail banking customers.
• Ma French Bank: Mobile-first digital bank launched by La Banque Postale, offering current accounts and basic banking services to French customers via a mobile app. Direct competitor in the French digital retail banking space, with the backing of an incumbent postal bank.
• Bunq: Dutch mobile-only neobank offering retail current accounts, savings, and payments across multiple European markets. Highly comparable digital-only banking model, though primarily operating in the Netherlands and other European geographies.
• Starling Bank: UK digital-only challenger bank offering retail and SME current accounts, lending, and payments via a mobile platform. Comparable digital-first banking model and target customer profile, though operating in the UK rather than France.
• Monzo: UK digital-only challenger bank with millions of retail customers using a mobile-first current account and adjacent products. Closely comparable business model and product focus, though geographically focused on the UK market.

Broad incumbents

• Revolut: Pan-European neobank with a much larger customer base and broader product portfolio (multi-currency accounts, cards, trading, business banking). Operates in France as a major competitive force in the digital banking segment, dwarfing Orange Bank in scale.
• N26: Pan-European neobank with millions of customers across the Eurozone, offering mobile-first current accounts and related banking products. Operates in France and represents a scaled competitive alternative to Orange Bank's proposition.

Emerging players

• Lydia: French mobile payments and banking app offering peer-to-peer payments, accounts, and credit products to French consumers. Overlapped with Orange Bank in serving French digital-first retail customers, with a more payments-centric product approach.

Market position

Strengths2 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xx.com/OrangeBankFR

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Orange Bank