Crédit Agricole
Crédit Agricole Centre Ouest is a French regional cooperative bank offering retail and commercial banking, insurance, lending, investment, and solar energy services to individuals, professionals, farmers, businesses, and public authorities across Centre Ouest France.
- Company typePrivate
- Founded1995
- HeadquartersLimoges, France
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What Crédit Agricole does
Crédit Agricole Centre Ouest is a regional cooperative bank headquartered in Limoges, France, operating as one of 39 regional Caisses within the Crédit Agricole group — the largest banking group in France with over 150 years of history. The bank provides a full-service retail and commercial banking platform spanning multi-tier accounts (Eko, Essentiel, Premium, Prestige), regulated French savings products (Livret A, LEP, LDDS, Livret Jeune), investment vehicles (PEA, PEA-PME, ETF, Compte Titres Ordinaire), life insurance under the Oriance brand, and retirement savings plans (PER). Insurance offerings run through the PACIFICA subsidiary covering home, auto, health, and specialty coverage, with a mobile claims app, while lending products include mortgages (Facilimmo), government-subsidized zero-interest loans (PTZ), personal loans, and student loans. Adjacent non-bank services — Agilauto vehicle leasing, Square Habitat real estate, Nexecur home security, and the recently launched Mon Énergie by CA solar solution — extend the wallet share within the existing customer relationship.
The underlying technology is a conventional digital banking platform: the Ma Banque mobile application (iOS/Android) for account management, budget tracking, and project planning; the PACIFICA app for smartphone-based insurance claims; and mobile payment integrations with Apple Pay and Samsung Pay. Distribution runs through a multi-channel model combining physical branches, 24/7 contact centers, online banking, and self-serve mobile channels, supported by specialized partner sites and sports partnerships for brand engagement. The cooperative sociétaire ownership model anchors a member-funded deposit base protected by French deposit guarantee (FGDR) and insurance guarantee (FGAP) schemes.
Crédit Agricole makes money through a diversified mix of net interest income (mortgage, consumer, and professional lending), recurring insurance premiums (PACIFICA property/casualty, Oriance life insurance, supplemental health), subscription-style fees on banking packages (tiered from free Eko to Prestige), and asset management fees routed through Amundi's responsible-investment funds. Customers span six explicit segments — Particuliers (primary), Banque Privée, Professionnels, Agriculteurs, Entreprises, and Collectivités Publiques — sold via a direct-to-consumer relationship-banking model that pairs local advisor expertise with digital self-service channels. No acquisition, funding, or restructuring activity is disclosed in the source data.
Crédit Agricole firmographics
Firmographics- Name
- Crédit Agricole
- Legal name
- Crédit Agricole
- Website
- https://ca-centreouest.fr
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Crédit Agricole Centre Ouest is a French regional cooperative bank offering retail and commercial banking, insurance, lending, investment, and solar energy services to individuals, professionals, farmers, businesses, and public authorities across Centre Ouest France.
- Ownership category
- akta.pro rank
Crédit Agricole industry classification
Industry- Product category
- Retail Banking
- NAICS
- Consumer Lending (522291), Savings Institutions and Other Depository Credit Intermediation (52218)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)
Keywords
Where Crédit Agricole is headquartered
LocationHeadquarters
- HQ city
- Limoges
- HQ country
- France
- HQ region
- Europe
Markets served
Crédit Agricole business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Banking Services Revenue: Interest income from lending activities including mortgage loans, consumer credit, and professional loans. Fee income from account management, card transactions, and banking services.
- Insurance Premiums: Property and casualty insurance (home, auto), health insurance, life insurance through PACIFICA and Oriance. Premium revenue from comprehensive insurance product offerings.
- Investment and Savings Products: Revenue from savings accounts, life insurance (Oriance), retirement products (PER), investment accounts (PEA, CTO), and responsible investment funds (Amundi).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Eko - Free basic banking account |
| Subscription | Monthly | Home insurance starting at €6/month |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels4 records
Crédit Agricole product offering
Product offeringCore offering
Crédit Agricole Centre Ouest is a regional cooperative bank delivering a full suite of retail banking accounts and cards (Eko, Essentiel, Premium, Prestige; Visa Classic, Mastercard Standard, Gold Mastercard, Visa Premier, Mozaic Black), regulated and tax-advantaged savings products (Livret A, LEP, LDDS, Livret Jeune, Livret Engagé Sociétaire), investment and retirement vehicles (PEA, PEA-PME, Compte Titres Ordinaire, ETF, Oriance life insurance, PER), property/casualty and health insurance (PACIFICA, home, auto, health), and consumer/agricultural/mortgage lending (Prêt Immobilier Facilimmo, PTZ, Prêt Personnel, Prêt Étudiant, J'éco-rénove, Mon Énergie by CA).
Product overview
Crédit Agricole Centre Ouest operates as a regional cooperative bank offering a comprehensive suite of banking and insurance products through a multi-tier account structure (Eko, Essentiel, Premium, Prestige). The core banking platform includes savings products (Livret A, LEP, LDDS, Livret Jeune, Livret Engagé Sociétaire), investment services (PEA, PEA-PME, ETF, life insurance via Oriance), and retirement planning (PER). Insurance offerings span home, auto, health, and specialty coverage under the PACIFICA brand with a mobile app for claims management. The Ma Banque mobile application serves as the primary digital banking interface. Supplementary offerings include real estate and consumer credit, vehicle leasing (Agilauto), and solar energy solutions (Mon Énergie by CA). Payment services integrate with Samsung Pay and Apple Pay, while the bank also offers investment options through Amundi responsible funds.
Differentiator
Problem solved
Functional benefit
Brands
- Ma Banque: Mobile banking application for daily banking management
- PACIFICA
- Oriance
- Eko
- Facilimmo
- Agilauto
- Mon Énergie by CA
Products and services
- Offre Prestige Premium banking account package offering comprehensive banking services with enhanced benefits and personalized advisory services for high-net-worth clients.
- Offre Premium Premium-tier banking account package providing enhanced banking services, insurance benefits, and priority customer support.
- Offre Essentiel Essential banking account package covering standard banking needs including account management, card, and basic insurance coverage.
- Offre Eko Low-cost digital banking account offered at €0 with essential banking services, designed for budget-conscious customers.
- Mozaic Black
Companies that use Crédit Agricole
Customer profileSegments6 records
Ideal customer profiles6 records
Crédit Agricole technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature3 records
Crédit Agricole partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- Samsung PaycoreMobile payment integration allowing customers to make contactless payments using Samsung devices at merchants accepting contactless payments.
- Apple PaycoreMobile payment integration enabling iPhone and Apple Watch users to make secure contactless payments via Crédit Agricole accounts.
- AmundicoreAsset management subsidiary of Crédit Agricole Group providing investment funds including Amundi Valeurs Durables (responsible investing) and Amundi France Engagement. Offers life insurance products through Oriance.
- PACIFICAcoreProperty and casualty insurance subsidiary providing auto, home, and health insurance products. Mobile app for claim declaration.
- Square HabitatminorReal estate agency network partner for property purchase, sale, and rental services.
- AgilautominorVehicle leasing and financing partner offering LLD/LOA (long-term rental with option to buy) for automobiles.
- NexecurminorSecurity and surveillance services partner providing home monitoring and alarm systems.
- Pleinchamp.comminorAgricultural information and services platform for farmers, aligned with Crédit Agricole's farmer customer segment.
Recent moves5 records
Expansion highlights6 records
Crédit Agricole competitors and assessment
Company assessmentDirect peers
- Caisse d'Épargne: Regional cooperative savings bank within Groupe BPCE, offering banking, insurance, and savings products to retail and professional customers across French regions. Directly comparable regional cooperative retail banking model.
- Banque Populaire: Regional cooperative bank within Groupe BPCE with strong SMB and professional customer focus. Comparable product offering and cooperative regional branch model, particularly on the professional/business banking side.
- La Banque Postale: French retail bank built on the postal network, offering deposit, lending, and insurance products primarily to individuals. Comparable retail customer focus, geographic reach across France, and broad product suite.
- Crédit Mutuel: French cooperative banking group with the most comparable mutual/cooperative ownership structure, decentralized regional caisse model, and full retail/insurance product set. Closest structural and product analog to Crédit Agricole.
Emerging players
- Revolut: Digital-first challenger bank with rapid French customer growth targeting younger and mobile-first consumers. Comparable on basic current account and payment products, and a competitive threat to Crédit Agricole's Eko entry-level account.
- Lydia: French mobile-first banking and payment app with growing retail customer base among younger consumers. Competes directly for the entry-level and mobile-banking customer segment that Crédit Agricole targets with its Eko offer.
Broad incumbents
- LCL (Le Crédit Lyonnais): French retail bank owned by Crédit Agricole S.A., serving individuals, professionals, and businesses with a city/regional branch model. Highly comparable retail banking offering within the broader Crédit Agricole ecosystem.
- Société Générale: Major French universal bank with a strong retail banking network (Société Générale and Crédit du Nord brands) and full insurance/wealth offerings. Comparable across the retail banking, consumer credit, and insurance product suite.
- HSBC France: International bank with a French retail franchise serving retail and wealth management customers. Comparable on retail banking products and wealth management (Banque Privée equivalent), though internationally focused.
- BNP Paribas: France's largest listed universal bank, offering retail, corporate, and investment banking plus insurance. Directly comparable in retail banking product breadth and French market footprint, but operates nationally and internationally rather than as a regional cooperative.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
Crédit Agricole social profiles
Digital presenceCrédit Agricole compliance and trust
Trust signalCompliance2 records
Crédit Agricole financial estimates
Financial estimateRevenue estimate
Valuation estimate
Crédit Agricole leadership team
Management profileNumber of profiles
Profiles1 record
Crédit Agricole funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Crédit Agricole 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 Crédit Agricole
What does Crédit Agricole do?
Crédit Agricole Centre Ouest is a regional cooperative bank delivering a full suite of retail banking accounts and cards (Eko, Essentiel, Premium, Prestige; Visa Classic, Mastercard Standard, Gold Mastercard, Visa Premier, Mozaic Black), regulated and tax-advantaged savings products (Livret A, LEP, LDDS, Livret Jeune, Livret Engagé Sociétaire), investment and retirement vehicles (PEA, PEA-PME, Compte Titres Ordinaire, ETF, Oriance life insurance, PER), property/casualty and health insurance (PACIFICA, home, auto, health), and consumer/agricultural/mortgage lending (Prêt Immobilier Facilimmo, PTZ, Prêt Personnel, Prêt Étudiant, J'éco-rénove, Mon Énergie by CA).
Is Crédit Agricole a public or private company?
Crédit Agricole is a private company. It is classified as management employee owned and is currently operating.
When was Crédit Agricole founded?
Crédit Agricole was founded in 1995. It employs 501 to 1,000 people.
Where is Crédit Agricole based?
Crédit Agricole is headquartered in Limoges, France, in the Europe region.
How does Crédit Agricole make money?
Three revenue lines are on record. Banking Services Revenue is the primary driver. The others are insurance Premiums and investment and Savings Products.
Who are Crédit Agricole's main competitors?
Direct peers on record are Caisse d'Épargne, Banque Populaire, La Banque Postale and Crédit Mutuel. Emerging players are Revolut and Lydia. Broad incumbents are LCL (Le Crédit Lyonnais), Société Générale, HSBC France and BNP Paribas.
Does Crédit Agricole have an API?
No public API is recorded for Crédit Agricole.
What industry is Crédit Agricole in?
Crédit Agricole's product category is Retail Banking. Its primary akta.pro industry code is FSAKAAAG, Large Purchase & Lifestyle Personal Loans (Unsecured Installment). Its NAICS code is 522291 and its SIC code is 6141.