CARREFOUR BANQUE

Carrefour Banque is the financial services arm of the Carrefour retail group in France, offering a range of consumer banking and insurance products delivered online and through service points in Carrefour hypermarkets and supermarkets. Its portfolio is centered on the PASS payment card (on the Mastercard network) with options for immediate debit or credit linked to revolving or amortizing loans, plus personal and auto loans subject to approval. Savings offerings typically include an unregulated savings account and occasional term deposits, with interest rates set by the institution and subject to change; it does not operate a traditional branch network. Insurance is distributed under the Carrefour Banque et Assurance umbrella, covering areas such as borrower protection and everyday risks via partner insurers, with terms and underwriting managed according to French insurance rules. Account opening and credit decisions follow standard know-your-customer and affordability checks for residents, and usage conditions, interest, and fees are specified in product documentation and fee schedules. Digital access is provided through a website and mobile app for applications, card management, and loan servicing, while customer support is available remotely and in-store. Carrefour Banque is authorized as a credit institution in France and supervised by the ACPR; eligible deposits, if applicable, fall under the French deposit guarantee scheme (FGDR) up to the legal limits. The institution focuses on retail consumer finance rather than universal banking, and product availability, pricing, and promotional terms can vary over time; prospective customers should review current conditions and legal disclosures before subscribing.