Banque Populaire Bourgogne Franche-Comte

What Banque Populaire Bourgogne Franche-Comte does

Banque Populaire Bourgogne Franche-Comte is a French regional cooperative bank headquartered in Dijon, founded in 2002, operating as one of the regional banks within the BPCE Group's Banque Populaire network. It serves retail customers (particuliers), self-employed professionals (professionnels), SMEs and corporates (entreprises), high-net-worth individuals (banque privée), and civil servants (fonction publique, served via the CASDEN partnership) across the Bourgogne Franche-Comté region. The bank is owned by its client-members (sociétaires) rather than external shareholders and operates under BPCE's central institution supervision.

The bank's product platform spans payment cards (Visa Classic through Visa Infinite and the Facelia revolving card), savings products (Livret A, LDDS, PEL, CEL, PEA, Assurance Vie, PER, ETF, SCPI Fructipierre), consumer and mortgage credit (personal loans, auto loans, eco-auto loans, mortgage financing, PTZ, Éco-PTZ, energy renovation loans), and insurance (home, auto, health, family, personal accident, legal protection) distributed through the network's 3,300+ branch points of sale plus online and mobile channels. Digital infrastructure includes a mobile application rated 4.7/5, the S\u00e9cur'Pass DSP2-compliant authentication system supporting 4-digit code and biometric login, the Coffre-fort Numérique digital vault integrated with 200+ organizations, and virtual card (e-cartes) functionality.

Revenue is generated through interest income (net interest margin on loans, mortgages, deposits) and banking fees and commissions (account management, card fees, transaction fees, commissions on insurance distribution and financial services). Customer pricing is not publicly disclosed and varies by customer profile, market conditions, and product terms. Distribution combines physical branch advisory, online and mobile self-service, and telephone banking, with ecosystem partnerships covering insurance (AXA, BPCE Vie, CNP Assurances, BPCE Assurances IARD, IMA Assurances), consumer credit (BPCE Financement), employee savings (Natixis Interépargne), affinity civil-servant banking (CASDEN, Parnasse Garanties), home security (Verisure), and subscription management (Papernest). No individual company revenue, headcount growth, or financial KPIs are publicly disclosed at the regional level.

Name

Banque Populaire Bourgogne Franche-Comte

Legal name

Banque Populaire Bourgogne Franche-Comte

Website

https://banquepopulaire.fr

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Banque Populaire Bourgogne Franche-Comte is a regional cooperative bank in eastern France, part of the BPCE Group, serving individuals, professionals, businesses, civil servants, and private banking clients across the Bourgogne Franche-Comté region with deposits, lending, insurance, and digital banking.

Ownership category

akta.pro rank

Headquarters

HQ city

Dijon

HQ country

France

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

Revenue model

1. Interest Income: Traditional banking revenue from interest spreads on loans, mortgages, and credit products. The bank earns the difference between interest paid on deposits and interest charged on lending products.
2. Banking Fees and Commissions: Account management fees, transaction fees, card fees, overdraft charges, and commissions on various banking services including payments, transfers, and foreign exchange.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Banque Populaire Bourgogne Franche-Comte is a regional cooperative bank providing deposit accounts, payment cards, savings and investment products, consumer and mortgage loans, insurance, retirement planning, and digital banking services to individuals, professionals, businesses, and private clients in the Bourgogne Franche-Comté region. As a sociétaire-owned cooperative bank within the BPCE Group network, it pairs a local branch-based advisory model with mobile, online, and telephone banking channels. Distribution of insurance and specialized products is supported through partnerships with BPCE Assurances, BPCE Vie, CNP Assurances, AXA, Verisure, and CASDEN (for civil servants).

Product overview

Banque Populaire offers a comprehensive banking platform with a multi-product portfolio spanning payment cards (Visa Classic, Premier, Platinum, Infinite, and Facelia revolving credit), savings products (Livret A, LDDS, PEL, CEL, life insurance, PER, PEA), consumer and mortgage loans (personal loans, auto loans, PTZ, mortgage financing), insurance (home, auto, health, family), and digital banking services. The platform operates through Essentiel, Confort Classic, and Confort Premier account packages, supplemented by mobile app banking, Sécur'Pass strong authentication, and Coffre-fort Numérique document vault. Special offerings exist for public sector employees through CASDEN partnership, young adults through dedicated packages, and sustainable finance through ESG-linked products. The company provides banking services across 3,300 points of sale to approximately 10 million clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Visa Payment Cards (Classic, Premier, Platinum, Infinite) International Visa payment card range for individual customers, with Classic for everyday use, Premier for mid-tier benefits, Platinum offering concierge and travel insurance, and Infinite providing top-tier insurance/medical coverage, 24/7 dedicated concierge, and exclusive events via Club Visa Infinite.
• Visa Facelia Revolving Credit Card Revolving credit card allowing flexible payment choice between immediate debit or credit financing, with installment options and extended warranty protection, distributed via BPCE Financement.
• Forfait Cristal Account Packages Banking packages (with Jeunes for young adults and Fonction Publique for civil servants via CASDEN partnership) bundling essential daily banking services and card usage into a single offer.
• Facili'Pop Bank Switching Service Free service that handles transfer of direct debits and recurring transfers from a customer's previous bank to Banque Populaire as the new primary bank.
• Regulated Savings Accounts (Livret A, LDDS, LEP) Tax-exempt and tax-advantaged regulated savings accounts including Livret A, Livret de Développement Durable et Solidaire (LDDS), and Livret d'Épargne Populaire (LEP) with guaranteed returns, immediate availability, and government-set rates.
• Children and Youth Savings Accounts (Livret Premier Pas, Livret Jeune) Children's savings account Livret Premier Pas (ages 1 month to 12) and youth savings account Livret Jeune (ages 12-25) with favorable rates and immediate availability.
• Real Estate Savings Plans (PEL and CEL) Plan Épargne Logement (PEL) housing savings plan giving access to preferential mortgage rates upon savings goal achievement, and Compte Épargne Logement (CEL) housing savings account with partial withdrawal flexibility for housing projects.
• Assurance Vie (Life Insurance) Multi-support life insurance contract combining euro funds and unit-linked investments for savings and estate planning, distributed through BPCE Vie.
• Plan Épargne Retraite (PER) Retirement savings plan providing tax advantages and structured income upon retirement, integrated with the external info-retraite.fr portal for career statement services.
• Plan d'Épargne en Actions (PEA) Tax-advantaged equity savings account for investing in European stocks and funds.
• ETF Investment Solutions Exchange-traded funds (ETF) offering diversified market exposure with lower investment costs.
• Fructipierre SCPI (Business Real Estate) Professional real estate investment company (SCPI) enabling investment in business property assets.
• Plan Épargne Enfant (Children's Life Insurance) Life insurance savings plan for children with flexible capital delivery between ages 16-25 and favorable tax treatment.
• Plan Épargne Avenir Climat Savings plan focused on climate investments with a sustainable and responsible approach.
• Personal Loans (Prêt Avance Liberté, Crédit Renouvelable Facelia, Prêt Personnel Trésorerie) Consumer personal loan offerings including Prêt Avance Liberté (up to €150,000 with optional insurance), Crédit Renouvelable Facelia revolving credit facility with adjustable monthly payments (via BPCE Financement), and Prêt Personnel Trésorerie for project financing.
• Auto Financing (Prêt Auto, Prêt Véhicule Propre, LOA) Vehicle financing solutions including Prêt Auto for new or used automobiles, Prêt Véhicule Propre for electric/hybrid vehicles, and Location avec Option d'Achat (LOA) lease-with-option-to-purchase.
• Mortgage Financing (Crédit Immobilier, Crédit Relais, Prêt Travaux) Real estate mortgage financing for property purchase with various rate options, Crédit Relais bridge financing pending property sale, and Prêt Travaux home improvement loans.
• Government-Subsidized and Social Housing Loans (PTZ, Éco-PTZ, PAS, Prêt Rénovation Énergétique) Regulated subsidized loans including Prêt à Taux Zéro (PTZ, up to 50% of property cost for first-time buyers), Éco-prêt à taux zéro (€7,000–€50,000 for energy efficiency), Prêt à l'Accession Sociale (PAS, up to 100% financing for income-qualified households), and Prêt Rénovation Énergétique for energy upgrades.
• Youth and Student Loans (Prêt Étudiant, Avance Premiers Salaires, Prêt Spécial Apprentis, Prêt Permis 1 euro) Loans tailored to young adults aged 18-28, including Prêt Étudiant for higher education financing, Avance Premiers Salaires for entry into working life, Prêt Spécial Apprentis for apprentices, and Prêt Permis 1 euro for low-cost driving license financing.
• CASDEN Civil-Servant Mortgages (Prêt Immobilier CASDEN, Alter Ego, Starden) CASDEN-branded mortgage products for civil servants and public sector employees with preferential rates through the Points CASDEN reward system, including Prêt Immobilier CASDEN, Prêt Alter Ego Immobilier (transferable family points), and Prêt Starden Immobilier (for under-30s or first three years of tenure without points requirement). Guarantee subsidiary Parnasse Garanties collateralizes these loans.
• CASDEN Civil-Servant Savings (Dépôt Solidarité CASDEN, Compte sur Livret CASDEN) CASDEN savings products for civil servants generating points used for reduced borrowing rates on future CASDEN loans: Dépôt Solidarité CASDEN solidarity savings and Compte sur Livret CASDEN (0.75% nominal annual gross rate).
• Natixis Interépargne Employee Savings Employee savings (épargne salariale) platform partner for interest-sharing (intéressement) products delivered through Natixis Interépargne.
• Home Insurance (Assurance Habitation) Home insurance covering property damage, liability, and possessions with customizable coverage levels, available in tenant (locataires), non-occupant owner (PNO), and owner (propriétaires) variants.
• Health Insurance (ASSUR-BP Santé) Supplemental health insurance (ASSUR-BP Santé) providing reimbursement for medical expenses beyond social security coverage.
• Vehicle Insurance (Assurance Auto, Assurance Deux Roues) Vehicle insurance with customizable coverage options for cars (Assurance Auto) and two-wheelers (Assurance Deux Roues).
• Family and Personal Accident Insurance (Assurance Famille, MAV, Assurance Précaution, Obsèques+) Family accident and unforeseen-event insurance (Assurance Famille), Multirisque des Accidents de la Vie (MAV) multi-risk personal accident cover, Assurance Précaution, and Assurance Obsèques+ funeral coverage, with assistance delivered via IMA Assurances.
• Everyday Security Insurance (Sécuriplus, Sécuri High Tech, Protection Juridique) Everyday security insurance including Sécuriplus (loss/theft of payment means, documents, keys), Sécuri High Tech (accidental damage or theft of portable high-tech devices excluding mobile phones), and Protection Juridique legal protection insurance.
• BPCE Vie Life Insurance Products Life insurance and savings products distributed via BPCE Vie partnership.
• BPCE Assurances IARD Credit Card Protection Credit card extended manufacturer warranty (extension de garantie constructeur), purchase protection (garantie achat), and CNP Assurances-bundled death and disability cover (DCPTIA) on personal loans.
• Verisure Home Security Monitoring Home security monitoring service through Verisure partnership providing alarm and surveillance system packages integrated into home insurance offerings.
• Visa CB-Visa Classic International Card International payment card with systematic authorization, allowing daily purchases with budget control and withdrawal capability.
• Professional Banking Services (Professionnels) Dedicated banking services for self-employed professionals, artisans, merchants, and small business owners including business accounts, professional loans, equipment financing, and working capital solutions.
• Corporate Banking Services (Entreprises) Comprehensive business banking solutions for SMEs and larger corporate clients, including corporate banking, business financing, investment services, and cash management.
• Private Banking Services (Banque Privée) Premium wealth management and advisory services for high-net-worth individuals, offering tailored investment advisory, asset allocation, estate planning, and dedicated relationship management.
• Papernest Subscription Optimization Service Subscription optimization service partner (Papernest) for managing and comparing utility and subscription services for individual customers.
• Mobile Banking Application Mobile banking application (rated 4.7/5) providing 24/7 account management, payment, transfer capabilities, card controls, and biometric (fingerprint/face) authentication via Sécur'Pass.
• Branch-Based Banking and Advisory Services In-person banking services, personalized advice, and product sales delivered through the regional branch (agence) network across the Bourgogne Franche-Comté region as part of the 3,300+ point-of-sale national footprint.
• Online Banking Platform and Telephone Banking Web-based online banking platform for self-serve account management, transactions, and remote banking, supported by telephone banking customer service.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

Feature2 records

Partnerships

Two partnerships are on record, tiered core and minor.

• CASDEN Banque PopulairecoreStrategic or Co-development PartnerCASDEN is the cooperative bank dedicated to civil servants and public sector employees (fonction publique). As a partner organization within the Banque Populaire network, CASDEN provides specialized banking products and services for public sector workers, complementing the broader range of services offered by regional Banque Populaire banks.
• AXAminorStrategic or Co-development PartnerAXA is a major insurance partner providing life insurance, property insurance, health insurance, and other protection products distributed through the Banque Populaire branch network. This partnership allows the bank to offer comprehensive financial services including insurance alongside banking products.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Caisse d'Épargne Bourgogne Franche-Comté: Sister cooperative bank within the BPCE Group operating in the same Bourgogne Franche-Comté region, offering an identical multi-product retail and SME banking platform to overlapping customers. The closest structural peer given shared parent, regional footprint and cooperative model.
• Caisse Régionale de Crédit Agricole de Franche-Comté: Regional mutual bank serving the same Bourgogne Franche-Comté geography with deposit, lending, insurance and private banking services. Directly competes for retail, professional and SME customers under a parallel cooperative model.
• Crédit Mutuel: Major French cooperative banking network with regional caisses offering retail, professional and insurance services under similar member-owned governance. Comparable in business model, target segments and regulatory treatment to Banque Populaire BFC.
• La Banque Postale: State-linked universal bank offering retail banking, savings, loans and insurance to mass-market French customers, including a strong public-sector focus overlapping with CASDEN-style offerings. Comparable in product breadth and customer mission.

Broad incumbents

• Caisse d'Épargne (national network): National retail cooperative banking network under BPCE offering a comparable product set of banking, savings, lending and insurance through its regional subsidiaries. Functions as the sister network to Banque Populaire within the same BPCE parent group.
• Crédit Agricole (national network): France's largest cooperative banking network with regional caisses offering the same retail, SME, insurance and wealth management product suite. National-scale incumbent with overlapping cooperative model.
• LCL (Crédit Lyonnais): National retail and private banking subsidiary of Crédit Agricole serving individuals, professionals and SMEs with comparable deposit, lending and insurance products. A broader incumbent in the same French retail banking category.
• BNP Paribas (retail banking): France's largest universal bank with a mass-retail and private banking franchise offering directly comparable everyday banking, savings, lending and insurance products. Operates nationally with a more corporate capital structure.
• Société Générale (retail banking): National retail banking franchise offering checking accounts, savings, mortgages, consumer credit and insurance comparable to Banque Populaire's product set. A broader incumbent peer across the same customer segments.

Emerging players

• Boursorama Banque: Leading French digital-only bank (Société Générale subsidiary) competing on low-cost retail accounts, mobile UX and aggressive pricing. Represents the emerging digital-native competitive pressure on regional cooperative banks' deposit and customer-acquisition economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

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• Facebookfacebook.com/banquepopulaire
• LinkedInlinkedin.com/company/banque-populaire-bourgogne-franche-comte

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Banque Populaire Bourgogne Franche-Comte