ARKEA DIRECT BANK

Arkéa Direct Bank is a French credit institution within Crédit Mutuel Arkéa that operates primarily under the Fortuneo brand, offering online current accounts with French IBANs, Mastercard debit cards (immediate or deferred debit, including premium tiers), and remote account management via web and mobile apps. Account opening and identity verification are completed digitally; there is no retail branch network. Payment functionality includes SEPA transfers and direct debits, and the cards are compatible with major mobile wallets. Cash deposits are not supported; checkbooks can be issued and checks are lodged by mail. The product range includes regulated savings (such as Livret A and LDDS for eligible clients) and non‑regulated savings with variable rates, as well as life insurance and capitalization products distributed by group insurers; a brokerage platform provides securities accounts, PEA/PEA‑PME, and online trading on key markets with order fees set by schedule. Lending encompasses home loans and certain consumer credits subject to eligibility, acceptance, and periodic availability. Pricing follows an online model without branch services; many basic operations have no maintenance fee, while card conditions, foreign usage, trading, and ancillary services are billed according to the published tariff. Arkéa Direct Bank is authorized and supervised by the ACPR and, for investment services, by the AMF; deposits are covered by the French deposit guarantee scheme (FGDR) up to the legal limit per depositor and per institution, and investor compensation applies to financial instruments under French rules. Customer service is delivered remotely via phone and secure messaging. Registered office: 1 rue Louis Lichou, 29480 Le Relecq‑Kerhuon, France. Product scope, eligibility criteria, and fees are determined by the bank and may change; applicants should review the latest terms and tariff before subscribing.