Interbank

What Interbank does

IB Krediet B.V. (formerly Interbank) is a Dutch private limited company incorporated in the Netherlands and headquartered in Amsterdam, operating as a wholly owned subsidiary of Crédit Agricole Consumer Finance Nederland B.V., itself part of the Crédit Agricole Group. The company historically originated consumer credit to Dutch retail borrowers but ceased new loan origination and is now in an operational run-off phase, managing only its existing portfolio of credit agreements. Its single active offering is the "Mijn Lening" digital self-service portal, accessible at mijnlening.ibkrediet.nl, which provides existing loan customers with 24/7 access to loan balances, iDEAL-enabled repayments, and personal data management. Customer service operates weekdays 08:30-17:00 via phone (088-655 6200) and email ([email protected]).

The business model is interest income on outstanding legacy loans, billed on a monthly cadence under a subscription-like recurring arrangement. No new customer acquisition, marketing, or origination activity is conducted; distribution is exclusively the self-service portal serving the captive existing-customer base. Marketing channels are limited to post-sale direct customer communications, primarily for service updates such as the announced interest rate reduction on variable-rate credits effective December 1, 2025. The company's competitive posture relies on contractual lock-in of existing repayment agreements and the institutional credibility of the Crédit Agricole parent, rather than active market competition. Compliance is framed around the Dutch Banking Code and AVG/GDPR, with a privacy statement last updated in July 2024.

Strategically, the November 2024 rebrand from Interbank to IB Krediet consolidated legacy consumer credit under a refreshed Dutch market identity while formally marking the end of new origination. No product launches, partnerships beyond the parent-subsidiary relationship, acquisitions, funding activity, or geographic expansion are present in the source data. The addressable market is therefore shrinking on a deterministic amortization schedule, and the operating mandate is servicing continuity and orderly wind-down rather than growth.

Name

Interbank

Legal name

IB Krediet B.V.

Website

https://interbank.nl

Company type

Private

Founded year

2007

Operating status

Operating

Short description

IB Krediet B.V. (formerly Interbank) is a Dutch consumer credit subsidiary of Crédit Agricole Consumer Finance Nederland that no longer originates new loans and instead services its existing Dutch loan portfolio through the "Mijn Lening" digital self-service portal, generating interest income on amortizing legacy receivables.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Consumer lending
• Loan servicing
• Personal credit
• Consumer finance
• Digital loan portal

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

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

Revenue model

1. Loan Portfolio Management: Managing existing credit agreements and loan portfolios. Revenue is generated from interest on outstanding loans. The company has ceased originating new loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Interbank (trading as IB Krediet B.V.) is a Dutch consumer lending company that no longer originates new loans and operates in run-off mode. It services its existing consumer loan portfolio through the "Mijn Lening" digital self-service portal, which enables existing customers to view loan details, update personal information, and make repayments via iDEAL. The company is a subsidiary of Crédit Agricole Consumer Finance Nederland B.V.

Product overview

IB Krediet (formerly Interbank) is a Dutch consumer lending company operating as a single-product loan servicing business. The company's primary offering is its digital self-service platform 'Mijn Lening' which allows existing loan customers to manage their loans online. The company no longer offers new loans and focuses on servicing its existing loan portfolio. IB Krediet is a subsidiary of Crédit Agricole Consumer Finance Nederland B.V.

Differentiator

Problem solved

Functional benefit

Brands

• Mijn Lening: Mijn Lening is the digital self-service portal of IB Krediet, allowing customers to view loan details 24/7, make repayments via iDEAL, and update personal information.

Products and services

• Mijn Lening Digital self-service portal that allows existing consumer loan customers to access their loan details, update personal information, and make repayments online via iDEAL. It is for existing Interbank/IB Krediet loan customers only.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators1 record

Recent moves4 records

Emerging players

• Klarna: European BNPL and consumer credit provider active in the Netherlands, with a modern digital consumer credit proposition that overlaps thematically with Interbank's legacy consumer lending focus.

Broad incumbents

• SNS Bank: Dutch retail bank part of de Volksbank, offering personal loans and consumer credit within its retail banking portfolio.
• ABN AMRO: Major Dutch retail bank offering personal loans and consumer credit products within a wider banking portfolio, relevant as a broad incumbent in Dutch consumer lending.
• ING Bank N.V. One of the largest Dutch banks offering personal loans and consumer credit as part of a broad retail banking franchise, providing scale-comparable context for Dutch consumer lending.
• Crédit Agricole Consumer Finance: The parent entity of IB Krediet and broader Crédit Agricole consumer finance operations in the Netherlands, operating a much larger portfolio of consumer credit products across multiple brands.
• BNP Paribas Personal Finance: European consumer finance arm of BNP Paribas operating in the Netherlands, comparable as a large international consumer credit competitor with similar institutional backing dynamics.
• Rabobank: Large Dutch cooperative bank providing consumer loans and personal credit as part of a comprehensive retail and business banking offering.

Direct peers

• Lender & Spender: Dutch online platform for personal loan comparison and origination, comparable as a digital-native Dutch consumer credit intermediary.
• Findio: Findio is a Dutch credit intermediary arranging personal and revolving credit for consumers, comparable to the consumer loan intermediation channel Interbank operated in.
• Tinka (formerly DEFAM): Tinka was a Dutch online consumer credit provider focused on personal loans, directly comparable to Interbank's historical consumer lending business in the Netherlands.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/interbanknl
• LinkedInlinkedin.com/company/credit-agricole-deveurope

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

Investments

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

Frequently asked questions about Interbank