Canada    FinTech Guide    Chapter 8    France

8. Online Banking Services
France  France

The social and political climate towards Online Banking Services is favorable.

Legal Affairs

Regulated by a big legislative arsenal.

Controlled by the AMF that has power to impose sanctions.

An agreement from the ACPR is required in order to create a bank or a branch in France.

Economic Conditions

Most banks have their own online bank services.

Online banks only: Hello Bank / Fortuneo / Boursorama.


European legislation is dense.

Contributing Authors

LERINS & BCW Avocats Associés

Christine Vialars
Paris, France

Laurent Julienne
Paris, France

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Chapter Index:

1. Payment Services / Mobile Payment

2. Asset and Portfolio Management

3. Consulting and Broking Services / Robo-advisory / Auto-trading

4. Trading Platforms / Social Trading Platforms / Signal Following

5. Crowdfunding / Crowdinvesting / Crowdlending

6. Virtual Currency - Bitcoin

7. Loan Services / Factoring / Loan Broking / Finetrading

8. Online Banking Services

9. Analytics and Research / Data Management / Risk Management

10. Accounting

11. Identification

12. Online-pawning

13. InsurTech

14. RegTech

15. Initial Coin Offerings (ICOs)

The information in this guide provides a general overview at the time of publication and is not intended to be a comprehensive review of all legal developments nor should it be taken as opinion or legal advice on the matters covered. It is for general information purposes only and readers should take legal advice from a Multilaw member firm.

Publication Date: 1 May 2018