Caisse d'épargne et de prévoyance Aquitaine Poitou-Charentes products, services and reviews

About Caisse d'épargne et de prévoyance Aquitaine Poitou-Charentes

Caisse d’épargne et de prévoyance Aquitaine Poitou-Charentes (often referred to as Caisse d’Epargne Aquitaine Poitou-Charentes or CEAPC) is a French regional cooperative savings bank within Groupe BPCE, operating primarily across the departments of Aquitaine and Poitou-Charentes (Gironde, Dordogne, Landes, Lot‑et‑Garonne, Pyrénées‑Atlantiques, Charente, Charente‑Maritime, Deux‑Sèvres, Vienne) with a network of local branches and remote channels. It provides standard retail and professional banking services, including current accounts, payment cards, SEPA transfers and direct debits, regulated savings (Livret A, LDDS, LEP subject to eligibility), home savings plans (PEL/CEL), term and demand deposits, life insurance and retirement savings distributed through group insurers, investment accounts (including PEA), and brokerage and advisory services. Lending covers consumer credit, vehicle and equipment financing, and residential mortgages (including distribution of state‑supported schemes where applicable), as well as financing solutions for SMEs, associations, the social and solidarity economy, real estate professionals, and local public entities; leasing, factoring, and merchant acquiring/payment solutions are offered through BPCE group platforms. Digital services include online and mobile banking with strong customer authentication and support for common mobile wallets where available. As a cooperative bank, its capital is held by local shareholders (“sociétaires”) via Sociétés Locales d’Épargne; it applies governance and risk frameworks aligned with Groupe BPCE. CEAPC is supervised under the French and European regulatory framework (ACPR/ECB) and client deposits are protected by the FGDR up to the statutory limit per depositor and per institution. Pricing, product eligibility, and terms follow French regulation and may vary by customer profile and channel; contractual documents and the bank’s tariff guide set the applicable conditions.