FLOA

FLOA (formerly Banque Casino) is a French credit institution focused on consumer finance and payment solutions rather than full-service retail banking, now owned by BNP Paribas. Its core offering includes revolving credit and personal loans, co-branded and standalone Mastercard credit cards, and buy now, pay later options such as 3x/4x split payments provided directly to consumers and through merchant checkouts. Distribution is primarily digital and via partnerships with retailers and e‑commerce platforms, with operations centered in France and selective availability in other European markets depending on merchant integration and local rules. Applications are completed online, with identity verification and creditworthiness checks in line with French regulation; use of national incident files (e.g., FICP) is standard, and non-payment can result in registration and collection action. Pricing depends on product and profile; revolving credit and cards are subject to a variable TAEG within regulatory caps, split payments may include fixed fees, and card usage typically entails charges for cash withdrawals, potential annual fees, late-payment costs, and foreign currency markups; precontractual information and SECCI disclosures are provided before agreement. The mobile app and web portal allow customers to monitor balances, download statements, schedule or advance repayments, and manage card settings such as blocking in case of loss. Optional insurance products (e.g., payment protection or purchase guarantees) are distributed as add-ons and can be declined. FLOA implements PSD2 strong customer authentication, 3‑D Secure for online transactions, and standard fraud monitoring. Customer service is available via phone and digital channels, with a regulated complaints process and access to an independent mediator if disputes persist. FLOA does not offer current accounts, savings, or investments; it is positioned as a specialist in credit and payment facilitation for consumers and merchants, with features and eligibility varying by country, partner, and product line.