Banque Delubac & Cie

What Banque Delubac & Cie does

Banque Delubac & Cie is an independent French credit institution founded in 1924 by Maurice Delubac in Le Cheylard, Ardèche, and organized as a Société en commandite par actions (SCA) with share capital of 11,695,776 EUR. The bank operates through three physical sites (Le Cheylard headquarters, Paris regional office, and a Valence commercial antenna) and serves individuals, enterprises, private banking clients, wealth advisors, regulated real-estate professionals (syndics and administrateurs de biens), correspondent financial institutions, corporate & investment banking clients, and a distinct Web3/startup segment under the DeluKey brand.

The product platform combines traditional banking (current accounts, savings, credits, life insurance, factoring via Delubac Factor, treasury management via Delukey, asset management via Delubac Asset Management, payment means and a national cash-deposit network through ACPR-approved tobacconists) with digital channels (eDelubac online/mobile banking, Bourse@nline securities trading, DeluPay contactless payments) and crypto-asset services authorized under MiCA (EU 2023/1114) — the first French bank to receive that authorization (registration N2025-004). Crypto services span self-directed (Gestion Libre) and discretionary (Gestion Sous Mandat) custody/exchange/portfolio management for individuals, legal entities, and wealth advisors, plus Crypto Cash Out and a DeluKey–De Ferla Immobilier crypto real estate purchase channel.

Revenue is generated across nine streams: interest income on loans and deposits, securities custody and brokerage commissions, private wealth advisory and management fees, corporate finance and advisory fees, crypto transaction and management fees, asset management fees (Delubac Asset Management access to ~200 funds from ~50 management companies), insurance brokerage commissions on life-insurance envelopes, correspondent banking transaction fees, and specialized property-administrator banking fees. The bank is regulated by ACPR (credit institution, Bank Code 12879) and the European Central Bank for prudential supervision, AMF for investment services, ORIAS for insurance brokerage (registration 07027153), and is a participant in the FGDR deposit-guarantee scheme.

Name

Banque Delubac & Cie

Legal name

Banque Delubac & Cie

Website

https://delubac.com

Company type

Private

Founded year

1924

Operating status

Operating

Short description

Banque Delubac & Cie is an independent 100-year-old French credit institution offering retail, corporate, private banking, property-administrator banking, and the first French-bank-authorized MiCA crypto-asset services, plus digital banking (eDelubac), payments (DeluPay), and a national cash-deposit network.

Ownership category

akta.pro rank

Product category

Private Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), State Commercial Banks (6022), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)

akta.pro secondary industries

Centralized Crypto Exchanges (CEX) (FSAPADAA), Crypto Custody & Exchange Wallet Services (Integrated) (FSADAAAG), Direct Lending — Asset-Based Lending (ABL) (FSAHAJAE), BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)

Keywords

• Private banking services
• Corporate banking solutions
• Crypto asset custody
• Wealth management advisory
• Independent French banking

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking Services: Core banking revenue from interest income on loans and credit products, deposit taking, current account management fees, and payment transaction fees. Includes savings products (Livret A, LDDS, deposit accounts) and credit offerings.
2. Investment Services: Securities custody, brokerage, and execution services. Access to investment funds (UCITS, FCPI, FIP), structured products, ETFs, and management mandates. Revenue from securities account management and transaction commissions.
3. Private Banking & Wealth Management: Comprehensive wealth management for high net worth individuals including investment advisory, portfolio management, retirement planning, tax optimization, and estate planning services.
4. Corporate & Investment Banking: Corporate finance advisory, M&A support, capital markets services, treasury management, and financial engineering for businesses and their shareholders.
5. Crypto Asset Services: MICA-authorized services including crypto custody, exchange (crypto-to-fiat and crypto-to-crypto), execution, advice, portfolio management, and transfer. Revenue from transaction fees and management fees on crypto portfolios.
6. Asset Management (Delubac Asset Management): Fund management including collective investments (OPCVM), individual discretionary management mandates, and dedicated fund creation. Access to approximately 200 investment funds from around 50 management companies.
7. Insurance Brokerage: Life insurance (assurance-vie) products offered as insurance broker, including mono-support and multi-support contracts in euros or units of account. Commission-based revenue from insurance partners.
8. Correspondent Banking: Facilitation of domestic and international transactions for other financial institutions, including trade finance and payment processing services.
9. Property Administrator Banking: Specialized banking services for regulated real estate professionals (syndics, administrateurs de biens), including trust accounts and property management financing.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

Banque Delubac & Cie is an independent French private bank offering a full range of traditional banking services (retail, corporate, private banking, factoring, treasury management) and specialized offerings (property administrator banking, correspondent banking, investment banking), all integrated with digital banking platforms and MiCA-authorized crypto-asset services (custody, exchange, portfolio management). The bank serves individuals, businesses, high net worth clients, regulated real estate professionals, startups, and Web3 companies across France through three physical branches and digital channels.

Product overview

Banque Delubac & Cie is a full-service French banking institution organized as a platform-plus-modules architecture offering both traditional banking and specialized digital services. The core banking platform encompasses retail banking (Banque des Particuliers), corporate banking (Banque des Entreprises), private banking (Banque Privée), and specialized segments including property administrators (Banque des Administrateurs de Biens), correspondent banking, investment banking (Corporate & Investment Bank), and judicial banking. The digital services layer centers on eDelubac (online/mobile banking), complemented by investment platforms (Bourse@nline) and factoring (Delubac Factor). The bank has developed a distinctive crypto-friendly positioning with a full suite of cryptocurrency services including self-directed (Gestion Libre) and discretionary (Gestion Sous Mandat) wallet options for both individuals and corporations, plus specialized offerings for wealth managers (CGP/CIF) and cash conversion services—all operating under MiCA regulation. The Innovations division includes DeluPay (mobile payments), DeluKey (startup banking with BaaS capabilities), DeluRec, and Delubac Tréso Excédent + (corporate treasury optimization). Ancillary services include a cash deposit network through partnered tobacco shops and asset management via Delubac Asset Management.

Differentiator

Problem solved

Functional benefit

Brands

• Delubac Asset Management: Asset management division of the bank providing investment solutions
• DeluKey
• DeluRec
• eDelubac
• DeluPay
• Bourse@nline
• Dépôt Cash

Products and services

• Banque des Particuliers (Retail Banking) Retail banking services for individuals including current accounts, savings products, personal loans, life insurance, payment methods, and digital banking through eDelubac.
• Banque des Entreprises (Corporate Banking)

Quantifiable outcome

• 100 years of continuous operation as independent bank
• +1 more outcomes

Segments9 records

Ideal customer profiles9 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature6 records

Partnerships

Eight partnerships are on record, tiered core and supporting.

• De Ferla ImmobiliercoreStrategic or Co-development Partner · 8 April 2026DeluKey (Banque Delubac & Cie's crypto real estate subsidiary) partnered with De Ferla Immobilier to enable property transactions using cryptoassets. This partnership allows clients to purchase real estate using cryptocurrency proceeds, combining DeluKey's crypto expertise with De Ferla's traditional real estate market knowledge.
• Approved Tobacconist NetworkcoreChannel Partner/ Reseller/ DistributorCash deposit service (Dépôt Cash) operated through a network of pre-approved tobacconists across France who have been approved as Payment Agents by ACPR. The network enables customers to deposit cash at partner locations with real-time credit to their bank accounts.
• Office2S (O2S-Harvest)supportingTechnology or IntegrationDigital platform partnership for wealth management advisors (CGP) to consolidate and manage client accounts held at Banque Delubac & Cie through secure access.
• Global Service ProvidersupportingTechnology or IntegrationWebsite hosting provider located at 78 Rue de la Condamine, Paris (RCS 431 313 691).
• HubSpotsupportingTechnology or IntegrationMarketing automation and customer relationship management platform used for visitor tracking and marketing operations.
• MatomosupportingTechnology or IntegrationWeb analytics platform for website visitor tracking and behavior analysis, configured to comply with CNIL recommendations with anonymized data.
• AxeptiosupportingTechnology or IntegrationCookie consent management platform used on the website to manage cookie preferences and comply with GDPR requirements.
• Delubac Asset ManagementcoreOthersSubsidiary company specializing in asset management offering collective investments, individual discretionary mandates, and dedicated fund creation. Provides access to approximately 200 investment funds from around 50 management companies.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Rothschild & Co: Independent French-rooted private bank and advisory firm offering private banking, asset management, and corporate advisory. Comparable as an independent French bank serving HNW and corporate clients with relationship-driven banking.
• Lazard: Global financial advisory and asset management firm with strong French heritage, providing investment banking and private wealth services. Comparable as an independent, advisory-led private bank with roots in France.
• Oddo BHF: Independent Franco-German private bank and asset manager offering private banking, corporate banking, and asset management. Comparable as an independent European private bank with multi-segment retail/corporate/private offerings.
• Banque Hottinguer: Independent French private bank providing wealth management, asset management, and corporate services. Comparable as a long-standing independent French bank focused on HNW and family-office clients.

Broad incumbents

• Boursorama Banque: Leading French online bank (Société Générale subsidiary) providing retail banking, savings, and brokerage. Comparable as a French digital banking platform competing in retail deposits and brokerage.
• Fortuneo Banque: French online bank (Arkéa subsidiary) offering retail banking, savings, and trading. Comparable as a French digital-first competitor in retail deposits and securities trading.

Emerging players

• Revolut: UK-based digital bank with retail accounts, trading, and crypto exchange services across Europe. Comparable as a MiCA-aligned digital challenger with integrated crypto and payment services.
• Sygnum Bank: Switzerland- and Liechtenstein-licensed digital asset banking group offering custody, trading, and lending for crypto and tokenized assets. Comparable as a regulated bank specializing in crypto-asset services.
• Trade Republic: European digital broker and bank offering trading, savings, and crypto. Comparable as a European digital-first broker/bank with integrated crypto services targeting retail and HNW consumers.

Others

• Zodia Custody: Institutional crypto custody provider backed by Standard Chartered. Comparable as a regulated institutional crypto custody and execution provider serving European institutional and corporate clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/delubac

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries4 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 Banque Delubac & Cie