Wallets/credit-agricole
Crédit Agricole Ma Banque
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Overview
Crédit Agricole is one of the world's largest cooperative banking groups + France's largest cooperative bank [1, 2, fr-cro]. Ma Banque app 2025 baseline: 11M+ active users + 554,000 iOS reviews + 4.6/5 rating + ranked #7 in app stores.
Distinctive Crédit Agricole positioning [3, 4]:
- France's largest cooperative bank — distinctive cooperative banking structure where clients can participate via social shares
- 39 Regional Banks (Caisses Régionales) that own Crédit Agricole S.A. via Federation
- Ma Banque app: 11M+ active users + new "coming balance" (solde à venir) feature deployed nationally late May 2025 (estimate of available amount once pending operations settled, including scheduled withdrawals)
- Multi-country presence: 28+ countries — distinctive European cooperative banking international footprint
- Major Crédit Agricole businesses: Crédit Agricole Retail Banking + LCL (Le Crédit Lyonnais; CA subsidiary) + CACEIS + Indosuez Wealth Management + Crédit Agricole Assurances + Crédit Agricole CIB + Amundi (Crédit Agricole asset management subsidiary; world's largest European asset manager)
History
1885 — Crédit Agricole founded as French agricultural cooperative banking system — distinctive French agricultural cooperative banking heritage.
1894 — French law formalizes Crédit Agricole local cooperative bank structure.
1920 — National Crédit Agricole organization formed.
2001 — Crédit Agricole S.A. created + IPO on Euronext Paris (ACA) — IPO of the central body owned by 39 Regional Banks.
2003 — Crédit Agricole acquires Le Crédit Lyonnais (LCL) — distinctive French banking expansion.
2010 — Ma Banque app launches as Crédit Agricole France retail-banking mobile app.
2025 — 11M+ active Ma Banque users + May 2025 "coming balance" feature national deployment [3].
Ownership & operator
Operating entity: Crédit Agricole S.A. (Euronext Paris: ACA); Crédit Agricole Group = Crédit Agricole S.A. + 39 Regional Banks (Caisses Régionales) + Local Banks (Caisses Locales).
Major shareholders: Federation of Crédit Agricole cooperative banks (via SAS Rue La Boétie holding company; controlling) + various French institutional + Euronext Paris public float.
Regulators: ACPR (Autorité de contrôle prudentiel et de résolution; Banque de France) + AMF (Autorité des marchés financiers) + ECB.
Technical integration
| Layer | Description |
|---|---|
| Channels | Ma Banque app (iOS + Android; FR retail-banking primary mobile channel; 11M+ active users) + Crédit Agricole Online Banking + Crédit Agricole cards (Visa + Mastercard) + Crédit Agricole branch network (39 Regional Banks; CA + LCL combined extensive French presence) |
| Identifiers | Phone + email + card number + IBAN |
| FR + EU rails | [[sepa-instant]] (EU SEPA Instant) |
| License | Cooperative bank (Crédit Agricole full European banking license; one of world's largest cooperative banking groups) |
| Sub-products | Crédit Agricole Account + Cards + Crédit + Assurances + Investments + Indosuez Wealth Management + Crédit Agricole CIB + Amundi (asset management; world's largest European asset manager) + LCL (Le Crédit Lyonnais subsidiary) + CACEIS (asset servicing) |
| Distinctive 2025 May "coming balance" feature: National deployment of solde à venir (pending operations estimate including scheduled withdrawals) |
Users & growth
- 11M+ active Ma Banque users
- 554K iOS reviews + 4.6/5 rating + ranked #7 in app stores
- May 2025: "Coming balance" (solde à venir) feature national deployment across all 39 Regional Banks
- France's largest cooperative bank
- Multi-country presence: 28+ countries
Use cases
French + multi-country retail + corporate + investment + wealth-management + insurance + asset-management via Ma Banque + Crédit Agricole Online + cards + branches (CA + LCL combined extensive French presence); SEPA Instant; Crédit Agricole Assurances + Indosuez Wealth Management + CACEIS asset servicing + Amundi asset management (world's largest European asset manager) + Crédit Agricole CIB; cooperative banking structure with social shares.
Implementations & partners
Operator: Crédit Agricole S.A. (Euronext Paris: ACA); Crédit Agricole Group = Crédit Agricole S.A. + 39 Regional Banks + Local Banks.
Major shareholders: Federation of Crédit Agricole cooperative banks (via SAS Rue La Boétie holding company; controlling) + French institutional + Euronext Paris public float.
Major French banking competitors:
- [[bnp-paribas]] (BNP Paribas; eurozone's largest bank by assets; Mes Comptes app; 40+ countries)
- [[societe-generale]] (Société Générale; FR Big-4; L'Appli SG)
- BPCE Group (Banque Populaire + Caisse d'Épargne; French cooperative banking group; another FR cooperative competitor)
- Crédit Mutuel (FR cooperative banking; another FR cooperative competitor)
- La Banque Postale (FR state-owned postal bank)
- HSBC France + ING France + Boursorama (Société Générale digital bank) + Fortuneo (Crédit Mutuel Arkéa digital bank) + Hello bank! (BNP Paribas digital bank)
- Lydia (Batch 27 covered; FR P2P)
Crédit Agricole subsidiaries: LCL (Le Crédit Lyonnais) + Crédit Agricole Assurances + Indosuez Wealth Management + Crédit Agricole CIB + Amundi (asset management) + CACEIS (asset servicing).
Regulators: ACPR + AMF + ECB.
Fun facts
- One of the world's largest cooperative banking groups + France's largest cooperative bank.
- 1885 founding as French agricultural cooperative banking system — distinctive French agricultural cooperative banking heritage.
- 39 Regional Banks (Caisses Régionales) own Crédit Agricole S.A. via Federation — distinctive cooperative banking structure where clients can participate via social shares.
- 2001 Crédit Agricole S.A. IPO on Euronext Paris — IPO of central body owned by 39 Regional Banks.
- 2003 Crédit Agricole acquires Le Crédit Lyonnais (LCL) — distinctive French banking expansion.
- 11M+ active Ma Banque users + 554K iOS reviews + 4.6/5 rating + ranked #7 in app stores.
- May 2025: "Coming balance" feature national deployment.
- Amundi subsidiary — world's largest European asset manager.
- Multi-country presence: 28+ countries.
Comparison
| Feature | Crédit Agricole Ma Banque | [[bnp-paribas]] (Eurozone's largest bank by assets rival) | [[societe-generale]] (FR Big-4 rival; L'Appli SG) | BPCE Group (FR cooperative banking group rival) | [[lloyds-bank]] (UK's largest retail by customers comparable) |
|---|---|---|---|---|---|
| Operator | Crédit Agricole S.A. (Euronext Paris: ACA; Federation of Crédit Agricole cooperative banks via SAS Rue La Boétie controlling + French institutional + Euronext public float; 39 Regional Banks + Local Banks) | BNP Paribas S.A. (Euronext Paris: BNP; widely held: BlackRock + Vanguard + SFPI Belgian government + French institutional + Euronext float) | Société Générale S.A. (Euronext Paris: GLE; widely held) | BPCE Group (Banque Populaire + Caisse d'Épargne; FR cooperative) | Lloyds Banking Group plc (LSE: LLOY; widely held + LSE float) |
| Type | FR cooperative bank + 11M+ active Ma Banque users + 39 Regional Banks + LCL subsidiary + Amundi world's largest European asset manager | Eurozone's largest bank by assets + BNP Paribas Retail Banking France 6.9M+ + 40+ countries + Hello bank! + Cetelem + Cardif | FR Big-4 + L'Appli SG 100M+ connections + 3.5M monthly | FR cooperative banking group (Banque Populaire + Caisse d'Épargne) | UK's largest retail by customers + 26M customers + 20% UK retail market share |
| Country | FR + 28+ countries | FR + 40+ countries | FR + 60+ countries | France | UK primary |
| Users | 11M+ active Ma Banque users; 554K iOS reviews + 4.6/5 rating + ranked #7 in app stores | 6.9M personal + private banking + 300K professional + 250K micro-enterprise; #1 among network banks + #3 overall in France (Mes Comptes 2025) | 100M+ L'Appli SG connections + 3.5M monthly users | Major FR cooperative | 26M customers; 21M+ mobile app users + 6B+ annual logons |
| Distinctive | 1885 French agricultural cooperative banking heritage founding; 39 Regional Banks (Caisses Régionales) own Crédit Agricole S.A. via Federation; social shares cooperative banking participation; 2001 IPO; 2003 LCL acquisition; May 2025 "coming balance" feature national deployment; Amundi subsidiary world's largest European asset manager | 1848 CNEP + 1872 Paribas predecessor founding; 2000 BNP + Paribas merger; eurozone's largest bank by assets; Hello bank! digital + Cetelem + Cardif + Arval | FR Big-4; L'Appli SG co-construction with hundreds of users; biometrics + mobile payment + cashback + instant transfers | FR cooperative (Banque Populaire + Caisse d'Épargne) | 1765 Birmingham Quaker founding; multi-brand (Halifax + Bank of Scotland + Scottish Widows) |
Status
Active, one of the world's largest cooperative banking groups + France's largest cooperative bank [1, 2]:
- Crédit Agricole S.A. (Euronext Paris: ACA) since 1885 (French agricultural cooperative banking heritage) / 2001 (Crédit Agricole S.A. IPO).
- 11M+ active Ma Banque users + 554K iOS reviews + 4.6/5 rating + ranked #7 in app stores.
- May 2025: "Coming balance" feature national deployment.
- 39 Regional Banks (Caisses Régionales) own Crédit Agricole S.A. via Federation.
- LCL + Amundi (world's largest European asset manager) + Indosuez Wealth Management + Crédit Agricole CIB + CACEIS subsidiaries.
- Multi-country presence: 28+ countries.
- ACPR + AMF + ECB regulated.
Sources
- 1 Appli Ma Banque — Crédit Agricole
- 2 Crédit Agricole nouveauté pour 11M utilisateurs Ma Banque — MoneyVox
- 3 Application Ma Banque — Crédit Agricole info
- 4 Crédit Agricole nouveauté app Ma Banque — ComparateurBanque
- fr-cro In-corpus:
reports/countries/FR-france.md
Source
Biography extracted from credit-agricole.md. See matrix.md for standards-support matrix if present.