Distingo Bank

Distingo Bank is the online savings brand of Banque Stellantis France S.A., supervised by the ACPR in France, and focuses on simple deposit products delivered through a web platform and mobile apps. The offering typically consists of a variable-rate savings account and fixed-rate term deposits with maturities defined in the contract; the booklet’s rate can be changed by the bank with notice, while term deposits are fixed for their duration and early exit is either not allowed or subject to interest penalties as stated in the terms. Accounts are opened remotely with standard KYC and require a SEPA-linked external account in the holder’s name; funding and withdrawals are executed by bank transfer only, with no cash handling, cards, or payment features. The pricing model generally excludes account maintenance fees and closing fees; applicable charges, if any, are listed in the bank’s tariff schedule. Eligible deposits placed with Banque Stellantis France are covered by the French deposit guarantee scheme (FGDR) up to 100,000 euros per depositor and institution; coverage for any cross-border operations follows the home-country scheme. For French tax residents, interest is subject by default to the prélèvement forfaitaire unique (12.8% income tax plus 17.2% social contributions), with an option to choose progressive taxation according to individual circumstances; non-resident tax treatment differs. Access and security are based on PSD2 strong customer authentication for login and transaction validation, and service is provided via online channels and customer support during business hours. The bank targets retail savers; eligibility, joint ownership, powers of attorney, and requirements for minors are possible but governed by specific conditions. The scope is limited to savings and term deposits, so there is no current account, card issuance, brokerage, or consumer credit under this brand. Rates, limits, and operational rules are set out in the key information documents and general terms, which are updated periodically and govern the account lifecycle and interest crediting.