Crédit coopératif products, services and reviews

About Crédit coopératif

Crédit Coopératif is a French cooperative bank within the BPCE central body, regulated by the ECB/ACPR, with a business focus on the social and solidarity economy (associations, cooperatives, mutuals, foundations), public-interest entities, SMEs and retail clients. Its offering covers day-to-day banking (current accounts, cards, domestic and SEPA payments), regulated and non‑regulated savings (including Livret A and LDDS, subject to rules set by the French authorities), term deposits, consumer and real estate credit for eligible profiles, professional and institutional lending (working capital, equipment, real estate), as well as leasing and factoring via BPCE affiliates; securities accounts (PEA/CTO), life insurance through partners, and responsible investment funds are available notably through Ecofi Investissements, its asset management subsidiary. Access is provided via branches and remote advisory with online banking and a mobile app using strong customer authentication under PSD2; the physical network is smaller and concentrated in larger urban areas compared with major universal banks. Pricing generally follows packaged account plans with card fees, per‑operation charges for certain services, and incident fees subject to French caps; exact tariffs vary by package and channel and change over time. Card payments run on the CB/Visa network with contactless and 3‑D Secure for e‑commerce. Deposits are covered by the French deposit guarantee scheme (FGDR) up to the legal limit per depositor and institution; regulated savings such as Livret A/LDDS carry a state guarantee; cooperative shares that grant membership are equity instruments, not covered by deposit insurance, with remuneration and redemption subject to specific conditions. As a member of the BPCE central body, Crédit Coopératif benefits from the group’s solidarity mechanism, and capital, liquidity and ratings information is primarily published at the BPCE level. The bank publishes allocations toward social and environmental financing and distributes labeled responsible investment products in line with applicable regulations, with eligibility determined by investor profile. International capabilities focus on SEPA and selected cross‑border payments, with limited overseas presence. Suitability, product availability and total cost depend on client segment and transaction mix; prospective customers should review the latest schedule of fees, interest rates, eligibility criteria and risk disclosures before engaging, particularly regarding cooperative shares and investment products.