Banques Populaires

Name

Banques Populaires

Legal name

Banque Populaire

Website

http://www.banquepopulaire.fr

Company type

Private

Founded year

1878

Operating status

Operating

Headcount range

5,001–10,000 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

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

akta.pro secondary industries

General SME & Middle-Market Commercial Banking (FSABABAA), Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)

Keywords

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

Headquarters

HQ city

Montigny-le-bretonneux

HQ country

France

HQ region

Europe

Offices15 records

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. Retail Banking Services: Core banking services including deposit accounts, payment services, and everyday banking for individuals and professionals. Revenue generated through account maintenance fees, transaction fees, and card subscriptions
2. Lending and Credit Products: Personal loans, mortgage loans, student loans, and automotive financing. Revenue generated through interest rates and origination fees
3. Investment and Wealth Management: Life insurance (assurance vie), retirement planning (PER), equity savings plans (PEA), and delegated asset management. Revenue through management fees and product subscriptions
4. Insurance Products: Property and casualty insurance (home, auto, motorcycle), health insurance (ASSUR-BP Santé), and creditor insurance. Distributed through bank branches

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Banque Populaire is a French cooperative banking group providing retail, professional, SME, and private banking services through 14 regional banks. Its core offering spans current accounts and bank card packages (Visa Classic/Premier/Platinum/Infinite), regulated and tax-wrapped savings products (Livret A, LDDS, LEP, PEA, Assurance Vie, PER), consumer and mortgage lending (personal, auto, student, PTZ, eco-renovation), property/casualty and health insurance, and digital banking through the Cyberplus platform and mobile application. The bank serves approximately 10 million individual clients, 9 million sociétaires, and ranks as #1 Bank for SMEs in France per the Kantar PME-PMI 2025 study.

Differentiator

Problem solved

Functional benefit

Brands

• Visa Classic: Classic international bank card
• Visa Premier
• Visa Platinum
• Visa Infinite
• Forfait Cristal
• Forfait Cristal Confort
• Forfait Cristal Premium
• Forfait Cristal Pro
• Facelia
• VEGA Investment Managers
• Sécur'Pass
• CASDEN Banque Populaire
• Crédit Coopératif

Products and services

• Forfait Cristal banking packages (Essentiel, Confort, Premium) Monthly subscription bank account packages bundling account services, payment cards, overdraft, advisor access, and remote banking for individual customers in tiered levels (Essentiel with Visa Classic; Confort with Visa Premier and payment insurance; Premium with Platinum/Infinite cards and fee exemptions).
• Visa bank cards (Classic, Premier, Platinum, Infinite) International payment cards offered to individual and professional clients in four tiers, providing domestic and foreign payment capability, with higher tiers including travel insurance, concierge/assistant services, and premium acceptance.
• Regulated savings accounts (Livret A, LDDS, LEP) Tax-free or tax-advantaged regulated savings accounts for individual clients, including Livret A, Livret de Développement Durable et Solidaire, and Livret d'Épargne Populaire.
• Assurance Vie (Life Insurance) Tax-wrapped savings/investment contract for individual clients, with multi-support options including unit-linked funds, used for long-term savings and wealth structuring.
• Plan Épargne Retraite (PER) Individual retirement savings plan allowing tax-deductible contributions for retirement income, complementary to French state pensions.
• Plan d'Épargne en Actions (PEA) Tax-wrapped equity investment account for individual clients investing in European equities and eligible funds.
• Crédit Immobilier (Mortgage loans) Property purchase and equity-release mortgages for individual clients, including Crédit relais (bridge loan) and Prêt à Taux Zéro (interest-free first-time buyer loan).
• Consumer loans (Prêt Personnel Trésorerie, Crédit Renouvelable Facelia) Unsecured personal loans and revolving credit (Facelia) for individual clients to finance personal projects and ongoing consumption needs.
• Prêt Auto and vehicle financing (LOA, Prêt véhicule propre) Auto loans, leasing with option to purchase (LOA), and financing for low-emission vehicles for individual clients acquiring new vehicles.
• Youth loans (Prêt Étudiant, Prêt Spécial Apprentis, Avance Premiers Salaires, Prêt Permis 1 euro) Loans targeted at young adults (18-28) covering studies, apprenticeships, first salary advance, and one-euro driving license financing.
• Property and casualty insurance (Assurance Habitation, Auto, Deux Roues) Home, tenant, non-occupant owner (PNO), auto, and motorcycle insurance policies distributed through the bank branch network for individual clients.
• ASSUR-BP Santé (Health insurance) Complementary health insurance (mutuelle) for individual clients distributed through Banque Populaire branches.
• Family and creditor protection insurance (Assurance Famille, MAV, Sécuriplus, Sécuri High Tech, Protection Juridique) Family, life accident, payment insurance, high-tech device protection, and legal protection insurance products for individual clients.
• Banque Privée (Private banking) Private banking service for high-net-worth individuals covering wealth structuring, tax optimization, estate planning, business succession, and dedicated advisory.
• Professional banking package (Forfait Cristal Pro, Rythméo Start) Banking package and dedicated professional account for self-employed workers and very young entrepreneurs, including Visa Business Start card, Cyberplus Entrepreneur Individuel digital banking, and turnover-based tiered monthly pricing.
• Corporate and SME banking services Banking and financing services for SMEs and corporate clients, including business development financing, cash management, and international trade support, delivered through dedicated relationship managers in regional banks.
• Application Mobile Banque Populaire and Cyberplus digital banking Mobile banking application and online platform providing account management, real-time transaction alerts, biometric authentication, card control, Wero peer-to-peer payments, and AI-powered customer assistance.
• Wero peer-to-peer payment solution Mobile peer-to-peer money transfer service integrated in the Banque Populaire mobile application allowing transfers via phone number, email, or QR code.
• SwatchPAY! contactless payment for Swatch watches Contactless payment integration allowing Banque Populaire Visa card holders to pay with Swatch smartwatches, supporting up to €50 per transaction and €150 cumulative without PIN, including when watch battery is depleted.
• PTZ +x and Prêt Starden Immobilier (first-time homeowner loans under 36) Complementary zero-interest loan up to €25,000 alongside the Prêt à Taux Zéro, and Starden Immobilier loan for civil servants via CASDEN, available until December 31, 2026.
• e-cartes (virtual card service for online purchases) Service providing virtual cards enabling secure online purchases for individual customers.
• Fructipierre (commercial real estate SCPI) Commercial real estate investment vehicle (SCPI) for individual clients seeking exposure to enterprise real estate assets.

Named customers1 record

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability2 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• VEGA Investment ManagerscoreTechnology or IntegrationVEGA Investment Managers provides delegated asset management services for Banque Populaire's insurance contracts. Operating for over 30 years, VEGA manages unit-linked investments according to client risk profiles. In 2023, VEGA received recognition from Mieux vivre votre argent including the 2nd Gold Basket award for best asset management company.
• Conservatoire National des Arts et Métiers (CNAM)minorStrategic or Co-development PartnerPartnership for young entrepreneur training program - 10 hours of online training to help young entrepreneurs create or develop their business. Banque Populaire offers €100 credit for clients using this program.
• Influa SARL (Start My Story)minorStrategic or Co-development PartnerFree online service to help entrepreneurs create their business plan and prepare their professional project. Distributed as part of Banque Populaire's young entrepreneur support offerings.
• CASDEN Banque PopulairecoreChannel Partner/ Reseller/ DistributorCooperative bank affinity partner specializing in serving public sector employees (Fonction publique). Offers point-based savings system where accumulated points reduce loan interest rates. Exclusive partner bank for civil servants who are also Banque Populaire clients.
• Groupe BPCEcoreOthersGroupe BPCE is the second-largest banking group in France, formed in 2009 from the merger of Banque Populaire and Caisse d'Épargne groups. Employs 105,000 people serving 36 million customers including 9 million sociétaires. Provides shared services, technology, and regulatory framework for all member banks.
• VerisureminorChannel Partner/ Reseller/ DistributorTelesurveillance and home security partner offering smart alarm systems to Banque Populaire insurance clients through the Assur'Habitation product line.
• PapernestminorChannel Partner/ Reseller/ DistributorAdministrative services partner helping clients manage subscriptions and change of address services, integrated into Banque Populaire's budget management tools.
• IdeanceminorImplementation/ SI/ Consulting PartnerDigital accessibility expertise company providing training, consulting, audits against RGAA standards, and support for legal documentation on accessibility compliance.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Crédit Agricole: France's largest cooperative banking group with similar mutual/cooperative ownership structure, serving retail customers, SMEs, and professionals across France. Crédit Agricole is the closest direct peer given its comparable regional bank network, SME focus, and cooperative ownership model.
• Caisse d'Épargne: Sister cooperative bank under Groupe BPCE serving retail and SME customers with similar products and distribution model. Caisse d'Épargne is the most direct peer given the shared parent organization and overlapping customer base.
• Crédit Mutuel: Major French cooperative banking group with similar mutual ownership structure and strong regional presence. Comparable to Banque Populaire in serving retail customers, SMEs, and offering a full range of banking, insurance, and wealth management products.
• Crédit Coopératif: Wholly-owned cooperative subsidiary of Banque Populaire serving social economy and solidarity-based enterprises. Crédit Coopératif is a direct peer given its shared ownership and cooperative banking model.
• CASDEN Banque Populaire: Wholly-owned cooperative subsidiary of Banque Populaire specializing in banking services for public sector employees. CASDEN is a direct peer given its shared ownership and similar cooperative banking operations.

Broad incumbents

• Société Générale: One of France's largest commercial banks offering retail, SME, and corporate banking services. While Société Générale is listed rather than cooperative, it competes directly with Banque Populaire in retail and SME banking across France.
• BNP Paribas: France's largest bank with comprehensive retail, SME, and corporate banking services. BNP Paribas competes with Banque Populaire across multiple customer segments and has overlapping digital and physical distribution channels.
• LCL (Le Crédit Lyonnais): French retail and commercial bank serving individual, professional, and SME customers. While part of Credit Agricole group, LCL competes directly with Banque Populaire in urban retail banking and SME financing.
• La Banque Postale: French retail bank operated by La Poste group, serving mass-market consumers with deposit accounts, loans, and insurance. La Banque Postale competes with Banque Populaire in retail banking, particularly for younger and mass-market customers.

Emerging players

• Boursorama Banque: French online-only bank and neobank owned by Société Générale, offering free or low-cost banking services. Boursorama represents the digital-disruption competitive threat to Banque Populaire's traditional retail banking model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/banquepopulaire
• YouTubeyoutube.com/user/banquepopulaire
• Facebookfacebook.com/banquepopulaire
• LinkedInfr.linkedin.com/company/banque-populaire

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries14 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments8 records

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

Frequently asked questions about Banques Populaires