BNP Paribas Personal Finance products, services and reviews
Rating, reviews, address, contact info, branches, phone numbers, fixed deposits, savings and card accounts offered by BNP Paribas Personal Finance
3.80%
Annual fee
Free
Cashback
No
Annual fee
Free
Cashback
No
Interest rates up to 3.80%
Open and manage directly on PickTheBank Platform
Terms from 3 months to 5 years
Annual interest payments
Protected by Deposit Guarantee System up to 100.000 EUR

BNP Paribas Personal Finance
4.1
France
Credit ratings
Deposit Guarantee Scheme (DGS)
Deposit Guarantee Scheme (DGS) member. Deposits up to €100k per person are covered
S&P
-
Moody’s
-
Fitch
-
About BNP Paribas Personal Finance
BNP Paribas Personal Finance is the consumer credit arm of BNP Paribas, active across multiple European markets and selected international locations under brands that include Cetelem and Findomestic, providing unsecured personal loans, revolving credit, credit cards, point‑of‑sale financing for retailers and e‑commerce, auto loans, and in certain countries deposit and insurance products ancillary to credit. The French entity (BNP Paribas Personal Finance SA) is authorised and supervised in France, with activities elsewhere conducted through locally regulated subsidiaries; operations are split between direct‑to‑consumer digital channels and white‑label partnerships with merchants, manufacturers and marketplaces. Pricing is risk‑based and constrained by local caps where applicable; representative APRs, fees (such as origination, account or card fees) and repayment terms depend on jurisdiction, product type, amount and customer profile, and early repayment options and prepayment costs follow local law. Underwriting generally uses credit bureau data, affordability checks and identity verification; approval is not guaranteed, and arrears can lead to late fees, collections activity and negative credit reporting. Funding typically combines customer deposits in deposit‑taking entities, securitisations of receivables and intragroup lines, and performance is sensitive to employment, inflation and interest‑rate conditions, while evolving rules (including the revised EU Consumer Credit Directive) raise requirements on advertising, disclosure and creditworthiness assessment. Digital servicing features such as online account management, e‑signature and instant decisioning are available in many markets; optional insurance like payment protection may be offered but adds cost and is subject to cooling‑off and cancellation rights. Data processing is governed by GDPR and national privacy laws, and complaints are handled through internal processes and statutory ombuds or mediation schemes depending on the country. Product availability and terms vary by market; prospective customers should consult local documentation for eligibility criteria, representative examples, total cost of credit, deposit protection details where relevant, and the legal consequences of late or missed payments, and compare alternatives before committing.
BNP Paribas Personal Finance Deposit guarantee scheme participation
BNP Paribas Personal Finance participates in the deposit guarantee scheme of France which applies to all deposit accounts made by natural persons, legal entities and covers up to up to 100,000 EUR (or equivalent in local currency) per bank per depositor.
BNP Paribas Personal Finance Countries of operations
BNP Paribas Personal Finance offers their savings products in
Products offered by BNP Paribas Personal Finance and interest rates
BNP Paribas Personal Finance offers 0 deposits and 0 savings accounts in .
Best interest rates in France
Loans offered by BNP Paribas Personal Finance
There are no products yet
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Bank identifiers
BIC number
BNPAFRPP
Name
BNP Paribas Personal Finance
Country
France