PSA Banque
Banque Stellantis France (formerly PSA Banque) is a captive automotive finance bank jointly owned by Stellantis Financial Services Europe and Santander Consumer Finance, providing vehicle loans, leases, insurance, and dealer inventory financing across France, Belgium, Luxembourg, and the Netherlands for Stellantis brand dealerships.
- Company typePrivate
- Founded2023
- HeadquartersPoissy, France
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What PSA Banque does
PSA Banque, operating commercially as Banque Stellantis France since April 2023, is a specialized automotive finance bank headquartered in Poissy, France. The entity is a joint venture between Stellantis Financial Services Europe and Santander Consumer Finance, a partnership established in 2015 that combines the OEM scale of Stellantis with the consumer lending capabilities of one of Europe's largest banking groups. Its core activity is captive auto financing — originating loans and leases for the purchase of new and used vehicles distributed through authorized dealership networks of Stellantis brands (Peugeot, Citroën, DS, Opel, Jeep, Alfa Romeo, Fiat, Abarth, Maserati, Lancia, Dodge, Ram), as well as wholesale financing for dealer inventory (new vehicle stock, used vehicles, spare parts) and working capital lines for distribution networks.
The bank's revenue mechanics rest on three streams: interest income and transaction fees on the auto financing book (over €20 billion in outstanding financing as of December 31, 2025); bundled insurance and service products sold as integrated "all-in-one" packages at the dealership point of sale; and retail deposit-taking from individual customers, which stood at €7.5 billion as of December 31, 2025 and provides a low-cost funding base for the lending book. Distribution is entirely indirect — products are sold exclusively through Stellantis-owned and authorized dealer networks across France, Belgium, Luxembourg, and the Netherlands, with over 670,000 clients served across these four markets. Sub-brands include Distingo (a deposit/savings banking product) and Acceo Tadeo (a digital banking platform referenced for customer onboarding).
Pricing terms are not publicly disclosed; rates and conditions are negotiated at the dealership point of sale. The company employs 501–1,000 staff, operates as a regulated credit institution (Moody's revised its credit rating outlook to positive in November 2025), and is structurally dependent on the vehicle sales volumes and brand strategies of its parent OEM, making it a textbook captive finance arm rather than an independent lender.
PSA Banque firmographics
Firmographics- Name
- PSA Banque
- Legal name
- Banque Stellantis France
- Website
- https://psa-banque-france.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Banque Stellantis France (formerly PSA Banque) is a captive automotive finance bank jointly owned by Stellantis Financial Services Europe and Santander Consumer Finance, providing vehicle loans, leases, insurance, and dealer inventory financing across France, Belgium, Luxembourg, and the Netherlands for Stellantis brand dealerships.
- Ownership category
- akta.pro rank
Where PSA Banque is headquartered
LocationHeadquarters
- HQ city
- Poissy
- HQ country
- France
- HQ region
- Europe
Offices3 records
Markets served
PSA Banque business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Auto Financing: Financing for new and used vehicle purchases and leases through Stellantis brand distribution networks. Also includes financing for dealer inventory (new vehicles, used vehicles, spare parts) and working capital for distribution networks.
- Insurance and Services: Comprehensive insurance and service products bundled with vehicle financing, offered as integrated packages at the point of sale for new and used vehicles.
- Client Deposits: Deposit-taking from individual retail customers, with 7.5 billion euros in client deposits as of December 31, 2025.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
PSA Banque product offering
Product offeringCore offering
Banque Stellantis France is a captive automotive finance bank that finances the purchase or lease of new and used vehicles distributed through Stellantis brand dealer networks across France, Belgium, Luxembourg and the Netherlands. It also finances dealer stock (new vehicles, used vehicles, spare parts) and working capital for distribution networks, bundles comprehensive insurance and service products into 'all-in-one' packages at the point of sale, and accepts retail customer deposits.
Product overview
Banque Stellantis France operates as a unified financial services platform offering automobile financing across a network of 10 automotive brands (Peugeot, Citroën, DS, Opel, Jeep, Alfa Romeo, Fiat, Abarth, Maserati, Lancia, Dodge, Ram). The core offering consists of client automobile financing (purchase and leasing of new and used vehicles) complemented by distribution network financing (stock, parts, and working capital). Additional services include insurance products and personal deposit accounts. The company serves clients and distribution networks across France, Belgium, Luxembourg, and the Netherlands, with over 20 billion euros in financing outstanding as of December 31, 2025.
Differentiator
Problem solved
Functional benefit
Brands
- Distingo: Brand mentioned on the website, appears to be a banking product or service brand.
- Acceo Tadeo
Products and services
- Automobile Financing (Financement automobile) Automobile financing solutions for the purchase or lease of new and used vehicles, distributed through authorized Stellantis brand dealer networks (Peugeot, Citroën, DS, Opel, Jeep, Alfa Romeo, Fiat, Abarth, Maserati, Lancia, Dodge, Ram). Targeted at individual retail customers and professional buyers acquiring vehicles from Stellantis franchises.
- Distribution Network Financing (Financement des réseaux de distribution) Wholesale financing solutions for Stellantis dealer networks, including new vehicle stock financing, used vehicle stock financing, spare parts financing, and working capital financing. Targeted at authorized Stellantis distribution networks and their dealerships.
- Insurance and Services (Assurances et services) Comprehensive insurance and service products bundled with vehicle financing and delivered as integrated 'tout en un' (all-in-one) packages at the dealership point of sale for new and used vehicles. Targeted at customers acquiring financed vehicles through Stellantis brand dealer networks.
- Personal Customer Deposits (Dépôts clientèle particuliers) Retail deposit-taking service for individual customers, with €7.5 billion in client deposits reported as of December 31, 2025. Targeted at individual retail customers, including those seeking a banking relationship linked to Stellantis automotive financing.
Quantifiable outcome
- Over 670,000 clients served across four countries
- +2 more outcomes
Companies that use PSA Banque
Customer profileSegments3 records
Ideal customer profiles4 records
PSA Banque technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
PSA Banque partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Santander Consumer FinancecoreStrategic partnership between Stellantis Financial Services Europe and Santander Consumer Finance established in 2015. This partnership combines automotive manufacturing expertise with consumer finance specialization to provide integrated financing solutions across Stellantis brand networks. In April 2023, PSA Banque France was rebranded to Banque Stellantis France to reflect the Stellantis evolution.
Scale indicators5 records
Recent moves8 records
Expansion highlights5 records
PSA Banque competitors and assessment
Company assessmentDirect peers
- Hyundai Capital Bank Europe: European captive finance operation of Hyundai Motor Group, offering vehicle financing and dealer floorplan for Hyundai, Kia, and Genesis brands across Western Europe.
- RCI Banque: Captive auto finance bank of Renault Group, also based in France and serving European retail and dealer financing markets with a closely matching product set and customer base.
- BMW Group Financial Services: Captive financing arm of BMW Group supporting retail and dealer financing across European markets with comparable product mix and brand-loyal customer base.
- Mercedes-Benz Mobility: Captive finance and mobility business of Mercedes-Benz, offering auto loans, leases, and dealer financing in European markets through a similarly OEM-anchored distribution model.
- Toyota Financial Services Europe: Captive finance arm of Toyota in Europe, providing retail auto loans, leases, and dealer financing through Toyota and Lexus dealer networks, paralleling Banque Stellantis France's OEM-aligned model.
- Volkswagen Financial Services: Captive finance arm of the Volkswagen Group, providing vehicle financing, leasing, and dealer floorplan across European brands in a structure directly analogous to Banque Stellantis France.
- Ford Bank: European captive finance arm of Ford Motor Company providing auto loans, leases, and dealer financing in Germany and select European markets, operating a comparable OEM-aligned model.
Broad incumbents
- ALD Automotive (Ayvens): Major European vehicle leasing and fleet management provider, adjacent rather than directly competing but operating in the same dealer-anchored vehicle financing ecosystem for both retail and corporate clients.
Emerging players
- Mobilize Financial Services: Renault Group's rebranded captive finance entity, focused on financing Renault and Alpine vehicles and emerging mobility services in European markets, structurally similar to Banque Stellantis France.
- Stellantis Financial Services Italia: Italian sister captive finance entity of Stellantis Financial Services Europe, providing parallel OEM-aligned auto financing in Italy under the same parent partnership with Santander Consumer Finance.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
PSA Banque social profiles
Digital presencePSA Banque financial estimates
Financial estimateRevenue estimate
Valuation estimate
PSA Banque leadership team
Management profileNumber of profiles
PSA Banque funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PSA Banque 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 PSA Banque
What does PSA Banque do?
Banque Stellantis France is a captive automotive finance bank that finances the purchase or lease of new and used vehicles distributed through Stellantis brand dealer networks across France, Belgium, Luxembourg and the Netherlands. It also finances dealer stock (new vehicles, used vehicles, spare parts) and working capital for distribution networks, bundles comprehensive insurance and service products into 'all-in-one' packages at the point of sale, and accepts retail customer deposits.
Is PSA Banque a public or private company?
PSA Banque is a private company. It is classified as corporate owned and is currently operating.
When was PSA Banque founded?
PSA Banque was founded in 2023. It employs 501 to 1,000 people.
Where is PSA Banque based?
PSA Banque is headquartered in Poissy, France, in the Europe region.
How does PSA Banque make money?
Three revenue lines are on record. Auto Financing is the primary driver. The others are insurance and Services and client Deposits.
Who are PSA Banque's main competitors?
Direct peers on record are Hyundai Capital Bank Europe, RCI Banque, BMW Group Financial Services, Mercedes-Benz Mobility, Toyota Financial Services Europe, Volkswagen Financial Services and Ford Bank. ALD Automotive (Ayvens) is listed as a broad incumbent. Emerging players are Mobilize Financial Services and Stellantis Financial Services Italia.
Does PSA Banque have an API?
No public API is recorded for PSA Banque.