Crédit Commercial de France

What Crédit Commercial de France does

Crédit Commercial de France (CCF) is a French private bank established in 1917, organized as a Société Anonyme with share capital of €147,000,001, headquartered at 103 rue de Grenelle, Paris. The bank operates as a full-service retail and private bank serving French residents through a hybrid branch-and-digital model, targeting individual retail customers, professionals and small business owners, and high-net-worth clients via its CCF Banque Privée division. CCF also addresses financial-inclusion obligations through Droit au Compte accounts and a dedicated financially-fragile support package (CCF Service Initial).

The product platform spans five pillars: everyday banking (current accounts and a tiered Visa card range from Visa Autonom' for minors through Visa Infinite), regulated and proprietary savings (Livret A, LDDS, CEL/PEL, CCF-branded livrets), investment services built on an open-architecture model (KOREGE life insurance, PEA, securities accounts, structured products, private equity, and discretionary mandates delegated to Rothschild & Co Asset Management and HSBC Global Asset Management), lending (fixed-rate mortgages, bridge loans, in-fine, personal and home-improvement loans), and bancassurance intermediation under ORIAS registration. The underlying technology stack includes the Mes Comptes CCF mobile application with biometric authentication, the proprietary Securpay virtual card service, PSD2-compliant open banking APIs, and digital accessibility tools (TIP/LSF via partner Elioz).

CCF monetizes through traditional banking net interest margin, account and card subscription fees, distribution commissions on life insurance and managed-mandate products, insurance intermediation commissions, and card/payment processing revenue including Apple Pay integration. The bank is regulated as a credit institution and investment services provider under ECB/ACPR supervision and holds full French and EU compliance certifications (GDPR, PSD2, MiFID 2, SFDR, FGDR deposit guarantee, IDD/DDA, Sapin II). Operations are confined to metropolitan France; the bank explicitly restricts products and offers to French residents. Ownership is private with no disclosed parent company, stock listing, or external funding rounds, and Niccolò Ubertalli serves as Directeur Général.

Name

Crédit Commercial de France

Legal name

CCF

Website

https://ccf.fr

Company type

Private

Founded year

1917

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Crédit Commercial de France is a 1917-founded French private bank offering retail, professional, and high-net-worth banking services through branch and digital channels, including open-architecture investment mandates, life insurance, mortgages, and payment products for French residents.

Ownership category

akta.pro rank

Product category

Retail and Private Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industries

Wealth Lending & Credit Solutions (Lombard/Margin, Mortgages, Structured Credit) (FSAAABAG), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Retail banking services
• Private banking services
• Wealth management advisory
• Mortgage lending products
• Bancassurance distribution

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking interest margin from lending activities including mortgage loans, personal loans, and other credit products.
2. Banking Service Fees: Account management fees, card subscription fees, transaction fees, and commissions on banking operations.
3. Investment Product Distribution: Distribution commissions from life insurance (KOREGE), investment funds (HSBC, Rothschild), and wealth management products.
4. Insurance Intermediation: Bancassurance revenue from insurance product distribution as registered insurance intermediary (ORIAS No. 07 030 182).
5. Payment Services: Revenue from payment processing, card transactions, and digital payment services including Apple Pay integration.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Crédit Commercial de France is a French private bank providing retail and private banking services to French residents. Its core offerings include day-to-day current accounts and Visa-branded payment cards (CCF One, Classic, Premier, Infinite, Autonom'), regulated savings products (Livret A, LDDS, CCF-branded savings, housing savings plans), investment solutions (KOREGE life insurance, PEA, securities accounts, structured products, and discretionary management mandates via HSBC and Rothschild & Co asset managers), residential and personal lending, and bancassurance intermediation. Distribution combines branch-based relationship banking with a digital mobile (Mes Comptes CCF) and web platform, plus a dedicated CCF Banque Privée division for high-net-worth clients.

Product overview

CCF (Crédit Commercial de France) operates as a heritage private bank established in 1917, offering a comprehensive platform of banking and financial services organized across five core pillars: everyday banking (comptes courants, cartes bancaires including Visa CCF One, Visa Classic, Visa Premier, Visa Infinite, and Visa Autonom'), savings solutions (Livret A, LDDS, CCF-branded savings accounts, Epargne Logement products), investment services (life insurance through KOREGE partnership, PEA, securities accounts, structured products, private equity, and discretionary management via Rothschild & Co Asset Management and HSBC Asset Management mandates), lending (real estate loans, personal loans, and bridge financing), and insurance. The flagship Mes Comptes CCF mobile app provides 24/7 digital banking access. CCF also serves high-net-worth clients through its CCF Banque Privée division. The bank emphasizes an open-architecture approach to investment selection and holds multiple regulatory certifications including GDPR compliance, DSP2 for secure payments, and ESG/SFDR for sustainable finance.

Differentiator

Problem solved

Functional benefit

Products and services

• Mes Comptes CCF Mobile Application Mobile banking application for iOS and Android offering 24/7 account authentication, balance viewing, card controls (spending limits, temporary blocking, online payment restrictions), and secure advisor messaging.
• Carte Visa CCF One International debit card with systematic authorization for every transaction, allowing real-time budget control and immediate debit. Available to CCF account holders aged 16 and over.
• Carte Visa Autonom' Free international debit card with systematic authorization designed for young people aged 12 and older to learn budget management basics.
• Carte Visa Classic Universal international debit card accepted worldwide, supporting contactless payments, online purchases, and in-store transactions.
• Carte Visa Premier Premium card with elevated payment and withdrawal limits, comprehensive insurance coverage, and high-end services for cardholders.
• Carte Visa Infinite Exceptional premium card providing the highest-quality services and exclusive high-end advantages for discerning clients.
• Securpay Virtual Card Virtual card service allowing the creation of virtual card numbers for secure online purchases without exposing real card details, protected by double-factor authentication under PSD2.
• CCF Bienvenue (Welcome Account) Current account bundle for new individual customers featuring a Visa Premier card, a 3% gross nominal annual interest rate on balances up to €25,000 until 31 December 2027, and reimbursement of account maintenance and foreign transaction fees when monthly card spending is at least €750.
• CCF Essentiel Everyday current account offer for individual customers, providing core banking services bundled with payment cards and access to CCF savings and credit products.
• CCF Service Initial Free banking package for customers identified as financially fragile per Article L.312-1-3 of the French Monetary and Financial Code, capping incident fees at €16.50/month and exempting intervention commissions.
• Livret A Tax-free regulated savings account with government-guaranteed returns, one of the most popular savings products in France, offered to individual customers of CCF.
• Livret Développement Durable et Solidaire (LDDS) Tax-free sustainable development savings account that funds environmental and social projects while paying interest to the holder.
• Livret CCF Equilibre CCF-branded on-demand savings account offering competitive rates with flexible access to funds.
• Livret CCF Epargne CCF-branded savings account designed for capital accumulation with favorable conditions for individual customers.
• Compte Epargne Logement (CEL) Housing savings account that accumulates funds while earning interest and generates eligibility for housing loans for individual customers.
• Plan Epargne Logement (PEL) Long-term housing savings plan with guaranteed interest rates and eligibility for preferential mortgage loans.
• Assurance-vie KOREGE Multi-support life insurance and capitalization contracts distributed in partnership with KOREGE (a leading French patrimonial insurer), including euro-fund and unit-linked options for wealth building and retirement.
• Plan d'Epargne en Actions (PEA) Tax-advantaged equity savings plan for investing in European equities with favorable tax treatment on capital gains.
• Compte-titres Ordinaire Ordinary securities account allowing customers to invest in a wide range of financial instruments including stocks, bonds, and funds.
• Produits Structurés Structured products offering formatted investment solutions with defined risk/reward profiles aimed at sophisticated investors.
• Private Equity (FCPI) Investment in non-listed companies through FCPI funds, providing individual clients access to private equity with potential tax advantages.
• Mandats de gestion Rothschild & Co Asset Management Discretionary portfolio management mandates delegated to Rothschild & Co Asset Management, aligning professional investment management with client risk profiles and ESG/sustainability frameworks.
• Mandats de gestion HSBC Asset Management Discretionary portfolio management mandates delegated to HSBC Global Asset Management (France), providing institutional-quality investment management for individual clients.
• Prêt Immobilier à Taux Fixe Fixed-rate mortgage loan for financing residential property acquisition and related costs, offered with personalized advisor follow-up for individual borrowers.
• Prêt Relais Bridge loan bridging the financing gap for property purchasers who are awaiting the sale of their current property.
• Prêt In Fine Bullet repayment mortgage loan where the principal is repaid at maturity, typically used alongside an investment strategy.
• Prêt Personnel Personal loan for individual customers to finance various personal projects with flexible amounts and repayment terms.
• Prêt Travaux Home improvement loan for financing renovation, repair, or improvement projects on owned property.
• CCF Banque Privée Specialized private banking division offering comprehensive wealth management, estate planning, retirement planning, and exclusive banking services for high-net-worth French clients.
• Simulateur d'Epargne Online savings simulator allowing customers to calculate and project savings goals and estimated returns over time.
• Simulateur Retraite Retirement planning simulator evaluating future income loss relative to current lifestyle to help anticipate retirement savings needs.

Quantifiable outcome

• Customer satisfaction score of 4.8/5 at Prix Meilleure Satisfaction Client 2026 category Banques
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability3 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• KOREGEcoreStrategic or Co-development PartnerExclusive partnership with KOREGE, a leading patrimonial insurer regulated by the French Insurance Code, for distribution of life insurance (KOREGE Essentiel 2, Evolution Patrimoine Vie 2, Stratégie Patrimoine Vie 2), capitalization, and retirement products. CCF offers welcome bonuses of up to €200 and bonus interest rates of up to +2% on euro funds for KOREGE products.
• Rothschild & Co Asset ManagementcoreTechnology or IntegrationCCF delegates portfolio management for its management mandate range to Rothschild & Co Asset Management, a renowned AMF-licensed asset manager. Rothschild & Co applies exclusion frameworks (controversial weapons, UN Global Compact compliance, thermal coal, tobacco) and integrates ESG analysis in fund selection for CCF's open architecture platform.
• HSBC Global Asset Management (France)coreTechnology or IntegrationCCF delegates portfolio management for certain mandate ranges to HSBC Global Asset Management (France), AMF-licensed portfolio management company. HSBC applies UN Global Compact principles, responsible investment policies, and Paris Agreement climate commitments, integrating ESG factors and sustainability risks into investment decisions for CCF's managed portfolios.
• EliozminorStrategic or Co-development PartnerAccessibility partnership providing free real-time transcription (TIP) and French Sign Language (LSF) interpretation services for deaf and hard-of-hearing customers. Elioz connects customers with CCF advisors through video interpretation, ensuring accessibility compliance and inclusive banking services.
• AT Internet (Piano Analytics)minorOthersWeb analytics and audience measurement service for tracking website usage statistics, user numbers, page views, time spent, and user experience improvement.

Scale indicators4 records

Broad incumbents

• BNP Paribas: France's largest universal bank, offering retail, private banking (BNP Paribas Banque Privée), and wealth management products directly comparable to CCF. Operates a much larger branch and balance-sheet footprint across the same French retail/private banking segments.
• Crédit Agricole: France's leading retail banking network (Caisses Régionales) with Crédit Agricole Private Banking and Indosuez Wealth Management. Competes with CCF on deposits, savings, life insurance (Predica), and HNW advisory in the same French market.
• Société Générale: Major French universal bank with Société Générale Private Banking and retail banking directly overlapping CCF's customer base. Comparable product suite including deposits, cards, life insurance (Sogécap), and structured products.
• Banque Populaire: French cooperative retail bank (Groupe BPCE) serving individual and professional customers with comparable product set – deposits, mortgages, life insurance, and private banking – across the same domestic geography as CCF.
• Caisse d'Épargne: French cooperative retail bank within Groupe BPCE offering deposits, savings, life insurance (CNP), and private banking (BPCE Banque Privée). Competes with CCF across all major retail and wealth product lines in metropolitan France.

Direct peers

• LCL (Le Crédit Lyonnais): Domestic French retail and private bank (subsidiary of Crédit Agricole) with similar customer segments, branch-based relationship model, and product suite including LCL Banque Privée and LCL Vie. Closely comparable scale and target market to CCF.
• HSBC France / HSBC Private Bank: International private bank offering HNW wealth management in France – a direct competitor to CCF Banque Privée and counterparty via the HSBC AM mandate partnership. Comparable HNW/UHNW target customer and wealth lending solutions.

Emerging players

• Boursorama Banque: Leading French online/digital bank (Société Générale subsidiary) competing with CCF's Mes Comptes digital offering. Targets the same mass-affluent French retail segment with low-cost digital distribution and standard banking products.
• Fortuneo Banque: French online retail bank (Arkéa subsidiary – note that Arkéa is also CCF's technology partner) offering current accounts, savings, and investment products. Overlaps with CCF's retail segment with a pure digital model.

Regional players

• ING France: European bank serving French customers with retail and investment products; competes with CCF's mass-affluent customer segment in the French market with a digital-led distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/CCF_Banque
• Facebookfacebook.com/CCF.Banque
• LinkedInlinkedin.com/company/ccf-banque

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Crédit Commercial de France