Orange Bank
Orange Bank (now Orange OBK SA) was a 100% digital retail bank operating in Spain under the Orange telecom brand, serving mass-market consumers with a mobile-first current account. The company ceased Spanish operations in 2025, transferring all customers to Banco Cetelem.
- Company typePrivate
- Founded2002
- HeadquartersMontreuil, France
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What Orange Bank does
Orange Bank, legally Orange OBK SA, was a digital retail bank headquartered in Montreuil, France (86 rue Voltaire, 93100 Montreuil), that operated a 100% mobile-first banking proposition in Spain under the Orange telecommunications brand. The bank targeted mass-market retail consumers with a single unified digital current-account offering, leveraging Orange's telecom customer base in Spain as its primary distribution channel. It was structured as a French Société Anonyme (RCS Bobigny 572 043 800), with a reported 501-1,000 employees, and held credit institution authorization in Spain until its withdrawal.
The product surface was narrow — a digital banking experience with no disclosed pricing model, fee schedule, or ancillary product set (no lending, investment, or insurance products are referenced). No proprietary technology, AI/ML capability, API, SDK, or patent portfolio is disclosed in the available data. The go-to-market relied on the Orange brand and likely cross-sell into the parent's Spanish telecom subscriber base, with no independent marketing channels or partnerships beyond the eventual transition to Banco Cetelem.
In September 2024, Orange Bank began the wind-down of its Spanish franchise, emailing customers about a data transfer to Banco Cetelem (a BNP Paribas Personal Finance subsidiary). By 2025, all customer accounts and data had been transferred to Banco Cetelem, and on December 15, 2025, the company's credit institution authorization was formally withdrawn. The entity has ceased independent operations in Spain; the website (orangeobk.es) is now a transition notice directing former customers to Banco Cetelem for ongoing service.
Orange Bank firmographics
Firmographics- Name
- Orange Bank
- Legal name
- Orange OBK SA
- Website
- https://orangebank.es
- Company type
- Private
- Founded year
- 2002
- Operating status
- Closed
- Headcount range
- 501–1,000 employees
- Short description
- Orange Bank (now Orange OBK SA) was a 100% digital retail bank operating in Spain under the Orange telecom brand, serving mass-market consumers with a mobile-first current account. The company ceased Spanish operations in 2025, transferring all customers to Banco Cetelem.
- Ownership category
- akta.pro rank
Where Orange Bank is headquartered
LocationHeadquarters
- HQ city
- Montreuil
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Orange Bank business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others
Orange Bank product offering
Product offeringCore offering
Orange Bank provided a 100% digital retail banking experience for individual consumers, offering current accounts, payment cards, and money management tools via a mobile and online interface. It was positioned as a customer-centric alternative to traditional banks under the Orange telecom brand, operating primarily in Spain before ceasing activities and transferring customers to Banco Cetelem in 2025.
Product overview
Orange OBK (formerly Orange Bank) was a digital banking product offered by Orange. The company operated as Orange OBK SA, previously named Orange Bank, providing banking services. The offering was a single unified digital banking product. The company has ceased its activity in Spain, with all customer relationships being transferred to Banco Cetelem.
Differentiator
Problem solved
Functional benefit
Products and services
- Orange OBK (formerly Orange Bank) digital banking account
Companies that use Orange Bank
Customer profileIdeal customer profiles1 record
Orange Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Orange Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Banco CetelemcoreOrange Bank ceased its activity in Spain and transferred all customer accounts and data to Banco Cetelem. The banking unit continues under Banco Cetelem, which will provide ongoing banking services to former Orange Bank customers in Spain.
Scale indicators1 record
Recent moves5 records
Expansion highlights1 record
Orange Bank competitors and assessment
Company assessmentDirect peers
- Bunq: Bunq is a European digital-only challenger bank offering mobile retail banking across the EU, comparable to Orange Bank in its digital-first, branchless approach to mass-market retail customers.
- Nickel: Nickel is a French digital retail banking service (backed by BNP Paribas) offering basic accounts with a focus on accessibility, sharing Orange Bank's French roots and digital-first retail banking positioning.
- Openbank: Openbank is Santander's 100% digital bank serving Spanish retail customers with mobile-first checking, savings, and investment products, occupying the same digital retail-banking niche Orange Bank operated in Spain.
- Starling Bank: Starling Bank is a UK digital-only retail bank with a mobile app-centric offering, serving retail customers with current accounts and lending products — a close analog to Orange Bank's digital retail banking model.
- Revolut: Revolut is a leading European neobank operating in Spain with a mobile-first retail account, payments, and personal finance management offering, directly competing for the same digital-native customer segment.
- N26: N26 is a German-headquartered European neobank offering mobile retail banking accounts, operating across multiple EU markets including Spain, and competing for the same mass-market digital banking customer.
- Monzo: Monzo is a UK-based digital challenger bank offering mobile-first current accounts, savings, and personal finance tools, closely comparable in business model and customer experience to Orange Bank.
Broad incumbents
- BBVA: BBVA is a major Spanish incumbent bank with a strong digital offering (BBVA app) serving retail customers, competing broadly with Orange Bank in the Spanish mass-market retail banking space.
- CaixaBank: CaixaBank is one of Spain's largest incumbent retail banks with a significant digital banking proposition, competing with Orange Bank across the full retail banking value chain in Spain.
Others
- Banco Cetelem: Banco Cetelem is a Spanish consumer credit institution (BNP Paribas Personal Finance subsidiary) that acquired Orange Bank's Spanish customer accounts in 2024-2025, making it the direct successor in serving Orange Bank's former Spanish retail customers.
Market position
Strengths3 records
Weaknesses5 records
Competitive moat4 records
Key highlights4 records
Customer concentration
Orange Bank social profiles
Digital presenceOrange Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Orange Bank leadership team
Management profileNumber of profiles
Orange Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Orange Bank 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 Orange Bank
What does Orange Bank do?
Orange Bank provided a 100% digital retail banking experience for individual consumers, offering current accounts, payment cards, and money management tools via a mobile and online interface. It was positioned as a customer-centric alternative to traditional banks under the Orange telecom brand, operating primarily in Spain before ceasing activities and transferring customers to Banco Cetelem in 2025.
Is Orange Bank a public or private company?
Orange Bank is a private company. It is classified as unknown and is currently closed.
When was Orange Bank founded?
Orange Bank was founded in 2002. It employs 501 to 1,000 people.
Where is Orange Bank based?
Orange Bank is headquartered in Montreuil, France, in the Europe region.
Who are Orange Bank's main competitors?
Direct peers on record are Bunq, Nickel, Openbank, Starling Bank, Revolut, N26 and Monzo. Broad incumbents are BBVA and CaixaBank. Banco Cetelem is listed as an others.
Does Orange Bank have an API?
No public API is recorded for Orange Bank.