Caixa Geral de Depósitos France

Name

Caixa Geral de Depósitos France

Legal name

Caixa Geral de Depósitos - Succursale France

Website

https://cgd.fr

Company type

Private

Founded year

1876

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

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

SIC

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

akta.pro primary industry

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

akta.pro secondary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Retail banking services
• Commercial banking
• Digital banking platform
• Insurance distribution
• International banking services

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Retail Banking Services: Core banking services including deposit accounts, current accounts, savings accounts, and term deposits. Revenue generated through interest rate spreads, account maintenance fees, and transaction fees.
2. Credit and Lending: Personal loans, youth loans, real estate financing, and business financing. Revenue from interest charged on loans and credit facilities.
3. Card Services: Debit cards, credit cards (Visa Premier), and business cards with associated fees and interchange revenue.
4. Insurance Distribution: Distribution of life and non-life insurance products through Fidelidade partnership. Commission-based revenue from insurance sales as registered insurance agent (ASF registered under n° 419501357).
5. International Banking Services: Foreign exchange services, international payments, and cross-border financing for businesses expanding internationally.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Caixa Geral de Depósitos France operates as a universal bank branch of the Portuguese state-owned Caixa Geral de Depósitos, S.A., providing retail and commercial banking services through 48 physical agencies across France complemented by digital platforms (CGD Online for individuals and Caixa e-banking for professionals). The bank offers current and savings accounts, term deposits, personal and business loans, real estate financing, debit and credit cards, youth banking products, succession services, and distributes life and non-life insurance through its partnership with Fidelidade. It also provides international banking services including foreign exchange, cross-border payments, and trade financing for businesses expanding internationally.

Product overview

Caixa Geral de Depósitos France operates as a universal bank offering a multi-platform banking portfolio. The core offerings consist of CGD Online (retail digital banking) and Caixa e-banking (business/professional digital banking) as the primary access channels. These platforms serve distinct customer segments including individuals, enterprises, professionals, and youth clients through specialized services like Spécial Jeunes and Solutions Responsables. Key products include term deposits (Dépôt à Terme), credit/debit cards (Visa Premier, Carte Débit), and succession management services. The bank operates 48 branches in France as part of the broader Caixa Geral de Depósitos Group founded in 1876 in Portugal.

Differentiator

Problem solved

Functional benefit

Brands

• CGD Online: Online banking platform for individual customers (Particuliers) providing account management, card services, and banking transactions.
• Caixa e-banking
• Successions
• Open Banking / API SIBS

Products and services

• CGD Online

Quantifiable outcome

• Strong customer authentication reduces fraud risk through mandatory SMS verification for all online transactions

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• FidelidadecoreStrategic or Co-development PartnerFidelidade is the insurance company affiliated with Caixa Geral de Depósitos group. CGD distributes life and non-life insurance products under this partnership. In case of death, CGD processes insurance claims on behalf of Fidelidade. Registered with ASF as insurance agent under n° 419501357.
• SIBS (Sociedade Interbancária de Serviços)coreTechnology or IntegrationSIBS provides the Open Banking API platform enabling PSD2 compliance. The platform connects CGD and other Portuguese banks representing over 95% of Portuguese payment accounts. Enables third-party providers to access account information, initiate payments, and verify fund availability through standardized APIs.
• Fédération Bancaire Française (FBF)minorStrategic or Co-development PartnerCGD participates in the French Banking Federation for industry standards, fraud prevention initiatives, and customer mediation services. The FBF mediator is available as third-level recourse for customer complaints.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• BNP Paribas: France's largest bank with retail, commercial, and international operations. CGD France competes for the same retail/commercial deposit and lending customers in the French market.
• LCL (Le Crédit Lyonnais): Major French retail bank under Crédit Agricole group, with strong branch presence in Paris and Lyon—the cities where CGD France is concentrated.
• La Banque Postale: French state-affiliated retail bank with national distribution, comparable to CGD France's state-owned universal banking model and partnership-led distribution philosophy.
• Société Générale: Major French universal bank offering retail deposits, SME banking, cards, and international services—a direct overlap with CGD France's product portfolio.
• Banco Santander: Spanish-headquartered global bank with significant French retail presence; matches CGD France's model of a foreign-owned universal bank operating through French branches.
• Crédit Agricole: France's leading cooperative retail bank with universal banking operations across individuals, professionals, and businesses—closest domestic analog to CGD France's multi-segment model.

Direct peers

• Millennium BCP (Banco Comercial Português): Portugal's largest privately held retail bank, serving Portuguese customers domestically and through diaspora-anchored branches in Europe; closest direct comparable in business model.
• Novo Banco: Portuguese universal bank (formerly BES) competing directly with CGD Group in retail/commercial banking for Portuguese customers in Iberia and diaspora markets.
• Banco BPI: Portuguese retail and commercial bank owned by CaixaBank; competes with CGD Group in deposit gathering, lending, and serving Portuguese diaspora customers.

Emerging players

• Boursorama Banque: Leading French online/digital bank owned by Société Générale; competes with CGD France's CGD Online platform for digitally engaged retail customers in France.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/caixa-geral-de-dep%C3%B3sitos
• Instagraminstagram.com/cgdfrance

Compliance3 records

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 Caixa Geral de Depósitos France