What ISILIS does

ISILIS, legally operating as SMARTPUSH SAS, is a French B2B SaaS provider that enables banks to manage bank account mobility in compliance with the Macron law. Founded in 2004 and headquartered across Marseille and Paris, the company serves approximately 110 banking institutions including BNP Paribas, BPCE, Credit Agricole, HSBC France, and online banks, processing 1.25 million dossiers and 11 million financial flows in 2024. ISILIS reports 80% market share of French retail banking mobility and posted €2.8M in FY2024 revenue with 22 employees.

The platform is built on a microservices architecture (Spring-Boot/Vue.js, migrated from a legacy Spring/Apache stack) and integrates directly with the SEPAmail infrastructure for standardized CFONB Flux 2/3/4/5 exchanges, including a sole referenced provider status for SEPAmail Aigue-Marine, which enables routing of F4Bis flows to roughly 150 European issuers. Core offerings include Banking Mobility (the flagship compliant account-switching product), Account Renumeration (IBAN rerouting during mergers and closures), Succession Management (heir administrative support), IBANSecure (IBAN-to-identity validation via SEPAmail Diamond for fraud prevention), and Foreign Emitters Management. A proprietary emitter reference database of 100,000+ creditors, accumulated over 20 years, is a key operational asset that drives high routing success rates.

ISILIS monetizes through recurring subscriptions and per-transaction fees from banking clients, delivered as a white-label SaaS platform with no development required on the bank side. Distribution is direct enterprise sales into French banking networks, supported by industry events and a LinkedIn presence. In 2025, ISILIS joined the smartpush fintech group in a strategic alliance aimed at enriching its flow qualification capabilities. The company does not disclose funding history, customer concentration, or pricing publicly.

Name

ISILIS

Legal name

SMARTPUSH SAS

Website

https://public.isilis.fr

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

ISILIS is a French B2B SaaS provider that enables banks to manage regulatory-compliant bank account mobility, IBAN renumeration, succession administration, and IBAN fraud validation, serving approximately 110 banking institutions and processing 1.25 million dossiers annually.

Ownership category

akta.pro rank

Product category

Banking Mobility Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

akta.pro primary industry

BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)

akta.pro secondary industries

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), A2A Reconciliation, Reporting & Treasury Ops (FSAMAFAJ)

Keywords

• Banking mobility services
• IBAN validation software
• Account renumbering platform
• Estate management solutions
• White-label banking SaaS

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Banking Mobility Services: B2B subscription and transaction-based revenue from providing banking mobility services to French banks, handling account change notifications and payment rerouting on behalf of their customers
2. IBAN Validation Services: Transaction-based fees for IBAN validation services helping banks and enterprises prevent fraud through identity verification
3. Succession Management Services: Banking succession management services facilitating administrative procedures for heirs, generating fees from participating banks

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

ISILIS provides a B2B SaaS platform that enables French banks to handle banking mobility, IBAN renumeration, estate/succession management, and IBAN-to-identity validation. The platform orchestrates CFONB-standardized inter-bank flux exchanges (Flux 2, 3, 4, 5 and F4Bis) under SEPAmail certification, allowing banks to offer white-label services to their retail, professional, and corporate customers.

Product overview

ISILIS operates as a B2B SaaS platform for banking institutions, offering a unified portfolio of four core services built around banking data mobility: Banking Mobility (the primary product, handling regulatory-compliant account switching via CFONB/SEPAmail standards), Account Renumbering (managing IBAN changes from bank mergers/closures), Successions (estate and heir management), and IBAN Validation (fraud prevention via SEPAmail Diamond). An additional Foreign Emitters Management module extends coverage to non-French emitter banks. All services are available to banks under white-label arrangements, requiring no development on the bank's side, and are accessible via dedicated client and advisor web interfaces. ISILIS's platform is accessible as SaaS from Paris and Marseille.

Differentiator

Problem solved

Functional benefit

Brands

• IBANSecure: IBAN validation solution to combat fraud, based on SEPAmail Diamond module, enabling direct bank verification of IBAN holder identity.

Products and services

• Banking Mobility (Mobilité Bancaire) Primary platform that manages the complete bank account change process for French banks, coordinating CFONB-standardized Flux 2/3/4/5 between arriving bank, departing bank, and emitter organizations. Delivered as a white-label SaaS with branded client and advisor interfaces, compliant with the Macron law mobility obligations.
• Account Renumbering (Renumérotation de Comptes) Service for banks undergoing mergers, branch code changes, or agency closures, automating the redirection of SEPA direct debits and transfers to the new IBANs. Uses ISILIS's emitter reference database to contact organizations directly, completing the renumeration in approximately 30 days without customer involvement.
• Successions (Estate Management) Platform that assists banks and heirs with administrative procedures following a client's death, including emitter notifications, recurring flow transfers, CERFA form assistance (death capital, widow's pension), life insurance and funeral contract searches, social media account closure, and postal redirection.
• IBAN Validation (Validation d'IBAN) IBAN validation service that cross-references an IBAN with holder identity (name/DOB for individuals, SIREN/SIRET/VAT for professionals) by querying the holder's bank directly via SEPAmail Diamond. Helps prevent payment fraud and IBAN falsification; offered under the IBANSecure brand with individual entry, file import, and API access.
• IBANSecure Sub-brand and standalone product for ISILIS's IBAN validation solution, built on SEPAmail Diamond. Provides entry-level, bulk file, and API-based IBAN-to-identity validation for any organization regardless of size or IT environment.
• Foreign Emitters Management (Gestion des émetteurs étrangers) Flux 4BIS processing service enabling direct routing of banking mobility flows to non-French emitter banks via SEPAmail Aigue-Marine. ISILIS is the sole referenced SEPAmail Aigue-Marine provider, covering roughly 150 European emitters representing 80% of previously undelivered flux volume.

Quantifiable outcome

• Processes 80% of French retail banking mobility market
• +3 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature6 records

Partnerships

One partnership is on record.

• smartpushcoreStrategic or Co-development Partner · 1 January 2025In 2025, ISILIS joined smartpush, a fintech specialized in financial data refinement for developing frictionless experiences. This strategic alliance enables ISILIS to enrich its services with advanced financial flow qualification technologies, providing a more fluid and secure experience for banks and their customers.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Yapily: European open-banking infrastructure platform providing A2A payment initiation and account-data connectivity to banks and fintechs. Comparable to ISILIS in the B2B bank-connectivity and account-data layer, with pan-European coverage rather than France-specific regulatory expertise.
• Powens (formerly Budget Insight): French open-banking and A2A connectivity provider serving banks and fintechs with account aggregation, payment initiation, and data enrichment APIs. Like ISILIS, Powens provides B2B infrastructure to French financial institutions in the open-banking and account-data domain.
• Bridge (by API): European open-banking API platform offering account aggregation, payment initiation, and A2A connectivity to banks and fintechs. Comparable to ISILIS as a B2B infrastructure provider enabling bank-to-bank and bank-to-third-party data flows in Europe.

Broad incumbents

• Tink (Visa): Pan-European open-banking platform owned by Visa, providing account aggregation, payment initiation, and A2A connectivity to banks and fintechs. Operates in the same B2B account-data infrastructure layer as ISILIS but at a much larger European scale.
• Plaid: Global open-banking and financial-data connectivity platform serving banks, fintechs, and developers. While US-centric, Plaid's pan-European expansion and B2B infrastructure model place it in the same broad category as ISILIS's account-data and payment-routing platform.
• SEPAmail: The inter-bank messaging consortium whose Aigue-Marine and Diamond modules underpin ISILIS's core mobility and IBAN-validation services. SEPAmail is the protocol and governance layer; ISILIS is the leading commercial implementer of its standards.

Regional players

• Linxo: French personal financial management (PFM) and account-aggregation platform serving French banks, now owned by Crédit Agricole. Comparable to ISILIS as a French fintech B2B service provider to retail banks, though focused on PFM rather than account switching.
• Bankin': French account-aggregation and PFM platform serving both consumers and banking institutions. Operates in the same French banking-data and inter-bank connectivity space as ISILIS, with a different primary product focus.

Emerging players

• Bud Financial: UK-based open-banking data and transaction-insights platform serving banks and lenders. Adjacent to ISILIS in the broader B2B financial-data infrastructure category, with a focus on transaction enrichment rather than account switching.
• Algoan: French fintech providing credit-decisioning and open-banking APIs to lenders and financial institutions. Comparable to ISILIS as a French B2B fintech serving regulated financial institutions with API-driven data and compliance infrastructure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/isilis/about

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 ISILIS