Younited products, services and reviews

Rating, reviews, address, contact info, branches, phone numbers, fixed deposits, savings and card accounts offered by Younited

Special offer
Protected up to €100K
Free maintenance
Up to

3.80%

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

bank1200FR

Younited

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 Younited

Younited is a Paris‑based digital consumer credit institution operating in several EU markets, including France, Italy, Spain, Portugal, and Germany, offering unsecured personal loans and checkout financing for merchants under the Younited Pay brand. It is licensed and supervised in France (ACPR) and operates under EU passporting rules, using PSD2 open‑banking data (with consent) and standard credit bureau checks to assess affordability and credit risk. The core offer consists of fixed‑rate, amortizing loans for purposes such as vehicle purchase, home improvement, general personal expenses, or debt consolidation, with monthly repayments by SEPA direct debit over terms that typically span several months to multiple years; exact amounts, durations, and APRs depend on the applicant’s profile and the country of residence, and representative examples are disclosed during the application. Funding for loans is sourced from institutional investors via dedicated vehicles rather than retail deposits, so it does not provide current accounts or savings products and is not covered by a deposit guarantee scheme for consumers. Applications are completed online, with an initial quote that may use a soft credit inquiry in some markets, followed by identity verification, bank data sharing where applicable, and a binding offer subject to a hard credit check; decisions are often delivered quickly, and disbursement follows after contract acceptance. Costs include interest and, where applicable, an origination fee that is included in the APR; late payment fees and default charges are specified in the loan agreement; optional payment protection insurance may be offered under local rules. Early repayment is permitted in line with national consumer credit laws and may involve compensation within legal limits. For merchant financing, Younited Pay provides instant credit at checkout with a fixed repayment schedule; eligibility, limits, and terms vary by retailer and country. Customer support is available online and via standard channels, with formal complaints handled under regulatory procedures. Borrowers receive pre‑contractual information (SECCI) as required by EU law; missing payments can lead to additional costs, collections activity, and negative credit reporting.

Younited Deposit guarantee scheme participation

Younited 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.

Younited Countries of operations

Younited offers their savings products in

Products offered by Younited and interest rates

Younited offers 0 deposits and 0 savings accounts in .

Best interest rates in France

12 mths Fixed deposits

3.3%

USD

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24 mths Fixed deposits

2.25%

EUR

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36 mths Fixed deposits

2.25%

EUR

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Loans offered by Younited

There are no products yet

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Branches

Younited, Sucursal en España

younited-credit.es

Carrer de la Caravel, 12, 8017, Barcelona, Spain

Younited S.A. Niederlassung Deutschland

de.younited-credit.com

Rundfunkplatz 2, 80335, München, Germany

YOUNITED

it.younited-credit.com

VIA SARDEGNA 40, 187, ROMA, Italy

Contacts

Address

21 Rue De Châteaudun, Paris, Ile-de-France, 75009, France

Phone number

+33 153 327 888

Website

younited-credit.com

Bank identifiers

BIC number

YOUIFRPP

Name

Younited

Country

France