What banque casino does

FLOA Bank (formerly Banque Casino) is a digital-first consumer finance provider headquartered in Bordeaux, France, operating as a wholly-owned subsidiary of BNP Paribas Group since February 2022. The company offers a comprehensive suite of credit products (revolving credit up to €6,000, personal loans from €3,000 to €75,000 via Cetelem, mini-credits up to €1,500 with 24-hour funding), payment solutions (FLOA Pay offering 3x, 4x, 10x, and 12x installments plus Pay Later), credit cards (Carte Cdiscount at €1.25/month and Carte Gold at €4.50/month with cashback), and a broad insurance catalog (school, home, credit, accidental death, and the Pack Family Protect' bundle). The platform is built around 100% digital onboarding with electronic signature, immediate principle credit decisions, and 24/7 AI-assisted chatbot and voicebot servicing.

Name

banque casino

Legal name

Floa - Société Anonyme au capital de 72 297 200€

Website

https://floabank.fr

Company type

Private

Operating status

Operating

Short description

FLOA Bank (formerly Banque Casino) is a BNP Paribas-owned French consumer finance provider offering revolving credit, personal loans, BNPL via FLOA Pay, credit cards, and insurance products to over 4 million consumers across seven European countries through a digital-first platform.

Ownership category

akta.pro rank

Product category

Consumer Finance and Digital Banking

NAICS

Sales Financing (52222), Credit Card Issuing (52221)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

akta.pro secondary industries

BNPL Consumer Apps & Wallets (Discovery, Management) (FSAGAIAG), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Consumer credit
• Buy-now-pay-later
• Credit cards
• Personal loans
• Payment solutions

Headquarters

HQ city

Bordeaux

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Interest Income: Primary revenue from interest charged on revolving credit, personal loans, and mini-credits. TAEG of 23.52% for standard revolving credit usage, with promotional rates available.
2. Card Fees: Monthly fees from credit card products: 1.25€/month for Cdiscount card and 4.50€/month for Gold card. Cards are credit cards associated with revolving credit facilities.
3. BNPL Transaction Fees: Revenue from buy-now-pay-later solutions (3x, 4x, 10x, 12x payments) offered at checkout on partner e-commerce sites. Merchants pay for integration and transaction processing.
4. Insurance Distribution Commissions: Commission income from distributing insurance products including credit insurance, home insurance, school insurance, pet insurance, auto insurance, and payment protection plans. Products underwritten by partners including CARDIF and Helvetia.
5. Credit Consolidation Fees: Fees from debt consolidation and credit restructuring services, offered in partnership with BNP Paribas Personal Finance.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Banque Casino (operating as FLOA Bank) is a French consumer finance provider that delivers revolving credit, personal installment loans, mini-credits, credit cards, and a buy-now-pay-later (BNPL) payment solution to individual consumers across Europe via fully digital processes. The company complements its credit offering with school, home, credit, mortgage, accidental death, and payment-protection insurance products, and distributes its BNPL through embedded partnerships with major e-commerce, travel, and telecom merchants.

Product overview

FLOA Bank operates as a consumer finance and digital banking platform offering a comprehensive suite of credit, payment, and insurance products. The core offering centers on revolving credit (Crédit Renouvelable) and personal loans (Prêt Personnel) through Cetelem partnership, complemented by credit cards (Carte Cdiscount and Carte Gold) with built-in revolving credit. Payment solutions include FLOA Pay for installment payments (3x, 4x, 10x, 12x) and Apple Pay integration. Insurance products span school, home, credit, mortgage, and accidental death coverage through Pack Family Protect'. The company serves over 4 million customers across Europe with 100% digital onboarding, positioning as a leader in buy-now-pay-later solutions.

Differentiator

Problem solved

Functional benefit

Brands

• FLOA Pay: Payment solution allowing installment payments (3x, 4x, 10x, 12x) for consumers
• Mon Coup de Pouce
• Carte Cdiscount
• Carte Gold

Products and services

• Crédit Renouvelable Revolving credit facility providing up to €6,000 of available capital that replenishes as repayments are made, allowing reusable financing without new applications. For individual consumers seeking flexible ongoing credit.
• Prêt Personnel Personal installment loan from €3,000 to €75,000 with fixed rates and terms from 12 to 84 months for various consumer projects (auto, home improvement, travel, etc.). Distributed through Cetelem partnership.
• Prêt Auto Personal loan for purchasing new or used vehicles, repairs, or renovations, offered through the Cetelem partnership.
• Prêt Travaux Personal loan for home renovation, decoration, and energy efficiency improvements.
• Mini Prêt Coup de Pouce Mini credit offering up to €1,500 with funds available within 24 hours, designed for quick financial needs. Pioneered as a 24-hour funding mini-credit product.
• Rachat de Crédit Credit consolidation service through BNP Paribas Personal Finance partner, combining multiple debts into a single monthly payment.
• Carte Cdiscount Credit card associated with revolving credit, priced at €1.25/month, offering cashback rewards and payment in 3x, 4x, 10x, or 20x on Cdiscount. Includes purchase protection, travel accident insurance, and assistance services.
• Carte Gold Premium credit card priced at €4.50/month (first year free), with enhanced insurance coverage including travel insurance, price protection, purchase protection, lost/stolen coverage, and enhanced cashback benefits.
• FLOA Pay - Paiement en Plusieurs Fois Buy Now Pay Later solution allowing payments in 3x, 4x, 10x, 12x, or deferred (Pay Later) for e-commerce and in-store purchases. Available at checkout on partner e-commerce sites including Cdiscount, Samsung, Oscaro, Fram, Selectour, MisterFly, and Pixmania.
• Apple Pay Mobile payment integration enabling contactless payments via Apple devices for FLOA cardholders.
• Assurance Scolaire School insurance covering students for accidents during school and extracurricular activities, starting at €9.90 per year (basic formula from €7.90/year).
• Assurance Habitation Home insurance protecting against property damage, theft, and related risks.
• Assurance Crédit / Emprunteur Credit insurance covering monthly payments or total debt in case of death, disability, job loss, or incapacity.
• Assurance Prêt Immobilier Mortgage insurance protecting borrowers against death, disability, and job loss.
• Pack Family Protect' Family protection insurance covering loss and theft of payment methods, fraud protection, purchase protection, delivery issues, job loss protection, mobile phone theft (Plus version), and legal protection.
• Assurance Décès Accident Accidental death insurance providing financial protection for beneficiaries.
• Comparateur Mutuelles Santé Health insurance comparator helping customers find suitable supplementary health coverage.
• Application Mobile FLOA Mobile banking application for iOS and Android enabling account management, credit tracking, card controls, and secure PIN retrieval.

Quantifiable outcome

• 4+ million consumers served across Europe
• +2 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

16 partnerships are on record, tiered core, supporting and minor.

• CdiscountcoreStrategic or Co-development PartnerMajor e-commerce partnership where FLOA provides exclusive credit card (Carte Cdiscount) and payment solutions. Cdiscount is FLOA's flagship merchant partner for BNPL and co-branded card distribution, serving millions of French e-commerce customers.
• CetelemcoreChannel Partner/ Reseller/ DistributorStrategic partnership for personal loan distribution. FLOA refers personal loan customers to Cetelem which provides the lending infrastructure, while FLOA handles marketing and customer acquisition through its digital channels.
• BNP Paribas Personal FinancecoreChannel Partner/ Reseller/ DistributorPartnership for credit consolidation and debt restructuring services. BNP Paribas Personal Finance provides the consolidation lending products while FLOA handles marketing and initial customer engagement for this product line.
• LydiasupportingTechnology or IntegrationFintech partnership where FLOA's mini-credit product (Coup de Pouce) is offered through Lydia's mobile payment app. This integration provides quick access to small loans within the Lydia ecosystem for their user base.
• BankinsupportingTechnology or IntegrationFintech partnership for mini-loan distribution through Bankin's financial management app. Allows Bankin users to access FLOA's quick credit solutions directly through the app.
• SFRsupportingChannel Partner/ Reseller/ DistributorTelecommunications retailer partnership for FLOA payment solutions. FLOA provides financing options for SFR customers purchasing electronics and services.
• OscarosupportingChannel Partner/ Reseller/ DistributorAuto parts e-commerce partnership where FLOA provides payment solutions for vehicle-related purchases on the Oscaro platform.
• SamsungsupportingChannel Partner/ Reseller/ DistributorConsumer electronics partnership for FLOA payment solutions. Allows Samsung customers to pay for electronics in installments through FLOA's BNPL options.
• FramsupportingChannel Partner/ Reseller/ DistributorTravel agency partnership where FLOA provides payment solutions for holiday bookings and travel packages through the Fram network.
• SelectoursupportingChannel Partner/ Reseller/ DistributorTravel network partnership for payment solutions. FLOA financing available for Selectour travel agency customers.
• MisterFlysupportingChannel Partner/ Reseller/ DistributorOnline travel agency partnership for FLOA payment solutions. Allows MisterFly customers to book travel with flexible payment options.
• PixmaniasupportingChannel Partner/ Reseller/ DistributorE-commerce partnership for payment solutions on the Pixmania electronics and appliance platform.
• CARDIF Assurance ViecoreOthersPrimary insurance partner underwriting credit insurance, death/disability insurance, and related protection products for FLOA customers. Part of BNP Paribas Insurance.
• CARDIF Assurances Risques DiverscoreOthersInsurance partner for general risk products including income protection, hospitalization, and job loss coverage related to credit agreements.
• Helvetia Global Solutions LtdsupportingOthersLiechtenstein-based insurance company providing travel insurance and card protection products for FLOA Gold card holders. Distributed by FLOA as insurance broker.
• ADLPartnerminorOthersADLPartner manages magazine subscription services on behalf of FLOA Bank. This is a third-party service arrangement for the kiosk/magazine subscription product offered to FLOA customers.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Others

• Bankin': French personal-finance management app and FLOA partner distributing mini-loans to its users; thematically adjacent as a French fintech consumer-finance ecosystem player.
• Lydia: French fintech super-app and FLOA partner that distributes FLOA's mini-credit 'Coup de Pouce' to its user base; comparable as a digital consumer-finance distribution channel in France.
• Cetelem (BNP Paribas Personal Finance): BNP Paribas Personal Finance's consumer-credit brand, partner and structural sibling to FLOA that originates FLOA-referred personal loans; both share the same parent, making it an ecosystem peer rather than pure competitor.

Direct peers

• Cofidis: Major French consumer-credit specialist ( Crédit Mutuel group) offering personal loans, revolving credit, and BNPL at retail checkout; one of FLOA's closest direct competitors in the French consumer-credit market.
• Oney: French BNPL and consumer-finance provider (formerly Banque Accord, Auchan group) offering installment payments, revolving credit, and cards both direct and at merchant checkout — directly comparable to FLOA's product mix and customer base.
• Alma: French BNPL provider focused on merchant checkout (3x, 4x, longer tenors); competes with FLOA Pay in the same merchant BNPL category across French and European e-commerce.
• Franfinance: French consumer-credit subsidiary of BNP Paribas Personal Finance offering personal loans, revolving credit, and payment solutions; sibling entity under common parent and direct functional competitor to FLOA.
• Younited Credit: Paris-based online consumer-credit platform offering personal loans and embedded credit via APIs; competes directly with FLOA on digital personal loans and B2B2C credit distribution.

Broad incumbents

• Klarna: Global BNPL incumbent operating across Europe with pay-in-installments and pay-later at merchant checkout; competes with FLOA Pay for the same European merchant integrations at scale.

Emerging players

• Pledg: French BNPL platform for merchants offering pay-in-3 and deferred payment; an emerging player targeting the same French merchant BNPL niche as FLOA Pay.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/FLOABank
• YouTubeyoutube.com/channel/UCX4RRQEDQerNZJWWVEYMZqw
• Facebookfacebook.com/floabank
• LinkedInlinkedin.com/company/floabank
• Instagraminstagram.com/floa_fr

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 banque casino