Crédit Agricole du Morbihan

What Crédit Agricole du Morbihan does

Crédit Agricole du Morbihan is a regional cooperative bank (Caisse régionale) headquartered in Vannes, operating as one of 39 regional Caisses within the publicly traded Crédit Agricole Group (Euronext: ACA). Founded in 1894 and serving the Morbihan department in Brittany, it offers a full-stack retail and small-business banking, insurance, and asset management platform across six customer segments: individuals, professionals, farmers, associations, enterprises, and public-sector/social-housing entities. The product surface covers current accounts (Offre Prestige, Premium, Essentiel, Eko), payment cards, regulated savings (Livret A, LDDS, LEP, Livret Jeune, PEL, CEL), life insurance (Oriance, Gestion accompagnée), securities accounts (Compte Titres, PEA, PEA-PME), responsible investment (Amundi Valeurs Durables, Amundi France Engagement), mortgage credit (Facilimmo, PTZ, Éco-PTZ up to €50,000), consumer credit, vehicle financing through Agilauto, and a full P&C and health insurance suite underwritten by Pacifica.

The underlying technology stack is a digital banking platform delivered through the Ma Banque mobile application (iOS and Android), an online banking portal, and a network of physical branches and a contact center. Authentication relies on SécuriPass (in-app strong authentication per DSP2) and SécuriCode (SMS OTP fallback). Mobile payments are integrated via Apple Pay and Samsung Pay, and an in-house home-security offering (Telesurveillance Nexecur) and an energy-renovation platform (J'écorénove mon Logement, integrated with France Rénov', Voltalis, and EX'IM) extend the platform beyond pure banking. Real estate services are distributed through the affiliated Square Habitat agency network, and a startup accelerator (Propulse by CA) and young-professional network (Youzful) form an ancillary ecosystem.

The business model is a classic regional cooperative bank revenue stack: net interest income on deposits and lending, recurring insurance premiums and commissions on Pacifica-issued P&C and borrower insurance, transaction fees on payment cards and account services, and asset management fees on life insurance, PEA, and PER products. Distribution is sales-led and relationship-based through local branches, supplemented by self-serve digital channels. Customers become sociétaires (member-owners) with voting rights; the cooperative structure reinvests nearly 90% of regional results locally, which both constrains capital extraction and reinforces the territorial franchise.

Name

Crédit Agricole du Morbihan

Legal name

Crédit Agricole du Morbihan

Website

https://credit-agricole.fr

Company type

Public

Founded year

1894

Operating status

Operating

Short description

Crédit Agricole du Morbihan is a regional cooperative bank in Vannes, France, serving individuals, professionals, farmers, associations, businesses, and public entities in the Morbihan department with banking, insurance, and asset management products distributed through branches and the Ma Banque digital platform.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

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

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)

Keywords

• Retail banking services
• Cooperative banking
• Consumer lending
• Insurance products
• Wealth management

Headquarters

HQ city

Vannes

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 rate spreads on lending products including mortgages, consumer credit, and professional loans. Interest income from deposit-taking and lending activities.
2. Insurance Premiums: Property and casualty insurance products including home insurance, auto insurance, health insurance, and borrower insurance. Insurance products are underwritten by Pacifica.
3. Banking Fees and Commissions: Account management fees, payment card fees, transaction commissions, and fees for financial advisory services.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Crédit Agricole du Morbihan is a regional cooperative bank operating in the Morbihan department of Brittany, France, as one of 39 regional Caisses within the Crédit Agricole Group. It provides retail banking accounts, payment cards, regulated and investment savings products, consumer and mortgage credit, vehicle financing, and a comprehensive range of property, auto, health, and life insurance products to individuals, professionals, farmers, associations, businesses, and public entities. The bank distributes services through a local branch network complemented by the Ma Banque mobile application, online banking tools, and partner platforms for real estate (Square Habitat), security (Nexecur), and energy renovation (J'écorénove).

Product overview

Crédit Agricole du Morbihan operates as a regional cooperative bank within the Crédit Agricole network, offering a comprehensive banking and insurance platform for retail customers, professionals, farmers, associations, businesses, and public entities. The product portfolio centers on core banking services (checking accounts with tiered packages: Offre Prestige, Premium, Essentiel, and Eko), supplemented by a complete range of savings products (regulated livrets including Livret A, LDDS, LEP, Livret Jeune; investment products including PEA, Assurance Vie, and responsible investment funds), credit solutions (mortgage loans including Facilimmo and PTZ, consumer loans, eco-PTZ for energy renovation, vehicle financing via Agilauto), and insurance coverage (home, auto, health, daily life). Digital services include the Ma Banque mobile app with SécuriPass strong authentication, J'écorénove platform for energy renovation, and Telesurveillance Nexecur for home security. The bank also offers specialized services for youth (Mozaïc Black card, Livret Jeune), real estate (Square Habitat), and supports the cooperative model with sociétaire membership and local territorial investment.

Differentiator

Problem solved

Functional benefit

Products and services

• Comptes et Services Bancaires Core current accounts and tiered banking service packages including Offre Prestige, Offre Premium, Offre Essentiel, and the digital-first Offre Eko, offered to retail and professional customers in the Morbihan department.
• Cartes Bancaires Payment cards including Mozaic Black (youth card with balance control), Mastercard Standard, Visa Classic, Gold Mastercard, and Visa Premier with varying benefits, insurance coverage, and spending limits.
• Épargne Livrets Regulated savings accounts including Livret A, LDDS, LEP, Livret Jeune (Mozaïc), and Livret Engagé Sociétaire, offering tax-exempt interest rates and accessible deposit conditions.
• Épargne Assurance Vie Life insurance products including Oriance and Gestion accompagnée (managed mandate) options for long-term wealth accumulation and retirement savings.
• Épargne Bourse et Placements Investment products including Compte Titres Ordinaire, PEA, PEA-PME for SME investments, and ETF funds for equities and financial market exposure.
• Épargne Investissement Responsable Socially responsible investment options including Amundi Valeurs Durables and Amundi France Engagement funds for ESG-focused portfolios.
• Épargne Retraite Retirement savings products including PER Compte Titres and PER Assurance (Pension Retirement Savings Plans) offering tax-advantaged retirement preparation.
• PEL Plan Épargne Logement Home savings plan at 2% interest rate (opened from January 2026), requiring a €225 initial deposit and €540 annual commitment, with a €61,200 ceiling and access to preferential mortgage loans.
• CEL Compte Épargne Logement Flexible home savings account at 1.25% interest rate with a €300 initial deposit, €15,300 ceiling, and access to preferential mortgage loans after 18 months.
• Crédit Immobilier Facilimmo Flexible mortgage product offering maximum repayment flexibility for home purchases with customizable terms and conditions.
• Prêt à Taux Zéro (PTZ) Government-backed zero-interest first-time buyer mortgage for purchasing a primary residence, subject to income and eligibility conditions.
• Crédits Consommation Personal loans including Prêt Personnel, Prêt Étudiant for education financing, Prêt Regroupement de Crédits for debt consolidation, and Crédit Renouvelable revolving credit.
• Prêt Travaux / Prêt Transition Logement Home improvement loans including Prêt Travaux for general renovations and Prêt Transition Logement for energy-efficient upgrades.
• Éco-PTZ Zero-interest eco-loan up to €50,000 for energy renovation work, with no file fees, aimed at improving residential energy performance.
• Crédits Véhicules Agilauto Vehicle financing including Prêt Auto, Prêt Transition Mobilité for electric and hybrid vehicles, and LLD/LOA Agilauto leasing options for new and used cars.
• Assurances Habitation Home insurance products covering owner-occupied, tenant, and non-occupant policies with optional Telesurveillance security services through Nexecur.
• Assurances Auto et 2 Roues Vehicle insurance including auto, motorcycle, scooter, and electric scooter coverage with customizable deductible and coverage options.
• Assurances Santé et Prévoyance Health and protection insurance including Complémentaire Santé, student health plans, death insurance, funeral insurance, and Téléassistance emergency services.
• Assurances Loisirs et Quotidien Daily life insurance covering accidents (AAV), civil liability, legal protection, and mobile device insurance.
• Assurances Emprunteur Loan protection insurance for mortgage and consumer credit covering death, disability, and unemployment risks.
• Paiement Mobile Mobile payment solutions including Apple Pay and Samsung Pay integration enabling contactless transactions via smartphone.

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature3 records

Partnerships

Eleven partnerships are on record, tiered minor and core.

• VoltalisminorStrategic or Co-development PartnerPartner for smart thermostat installation in energy renovation projects. Voltalis provides connected thermostats free of charge to customers undertaking energy renovation through the J'écorénove Mon Logement program.
• EX'IMminorStrategic or Co-development PartnerPartner for property diagnostics (DPE, audit énergétique) as part of energy renovation services. EX'IM provides energy performance diagnostics for customers preparing renovation projects.
• DemecominorChannel Partner/ Reseller/ DistributorMoving services partner offering preferential rates to Crédit Agricole customers relocating. Part of the bank's relocation assistance services.
• Des bras en plusminorChannel Partner/ Reseller/ DistributorMoving assistance partner providing man-power services for customer relocations with special rates for Crédit Agricole clients.
• EmoovzminorChannel Partner/ Reseller/ DistributorDigital moving platform partner offering online moving services and potentially preferential conditions for Crédit Agricole customers.
• Square HabitatcoreChannel Partner/ Reseller/ DistributorReal estate agency network under the Crédit Agricole brand. Provides property buying, selling, and rental services through affiliated agencies across France.
• AgilautocoreChannel Partner/ Reseller/ DistributorVehicle leasing and financing services (LLD/LOA) for individuals and professionals. Integrated vehicle financing solution for auto loans and leasing.
• Pleinchamp.comminorStrategic or Co-development PartnerAgricultural information and services portal. Specialized content and services for farming community within the Crédit Agricole ecosystem.
• YouzfulminorChannel Partner/ Reseller/ DistributorProfessional network platform for young professionals, integrated as part of career and employment services for young adult customers.
• Propulse by CAminorStrategic or Co-development PartnerStartup accelerator and support program under Crédit Agricole for entrepreneurship and business creation support.
• France Rénov'coreStrategic or Co-development PartnerNational public service for energy renovation guidance. Crédit Agricole integrates this government service into its home renovation financing offers and J'écorénove Mon Logement platform.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtwitter.com/CreditAgricole
• YouTubeyoutube.com/@CreditAgricoleOfficiel
• Facebookfacebook.com/CreditAgricoleDuMorbihan
• Instagraminstagram.com/creditagricole
• TikToktiktok.com/@creditagricole
• LinkedInlinkedin.com/company/credit-agricole-du-morbihan

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

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Crédit Agricole du Morbihan