France · Credit institution
Cofidis
Cofidis is a French société anonyme with a management board and a supervisory board, headquartered in Villeneuve-d'Ascq. It is authorised as a specialised credit institution and supervised by the Autorité de Contrôle Prudentiel et de Résolution. Cofidis Group holds 99.99% of its capital, and Crédit Mutuel Alliance Fédérale holds 99.99% of Cofidis Group. The bank provides consumer credit, personal loans, revolving credit, payment instruments and insurance brokerage. It operates in France and through branches in Spain, Portugal, Italy, Hungary, Poland and Slovakia. It absorbed the Italian company Cofidis S.p.A. by cross-border merger on 1 January 2023. It acquired Magyar Cetelem Bank Zrt on 30 September 2024.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers. It is on the ECB list of supervised entities (see Regulatory status): that is banking supervision, not a licence on a tracked register.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Regulatory status
ECB banking supervision
List of supervised entities as of 2026-07-01
- Classification
- Significant institution
- Supervisor
- European Central Bank (direct supervision)
- Listed as
- Cofidis
- Entity type
- Credit institution
- Supervised group (ECB)
- Confédération Nationale du Crédit Mutuel
- Why significant
- Size (Total assets EUR 500-1,000 bn)
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Subject to minimum reserves
- Listed as
- Cofidis
- RIAD code
- FR14940
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- CFFIFR21XXX head office
- Connection to Swift
- Passive participant (no connection)This BIC is registered for identification only. The institution has no direct connection to the Swift network. Messages and payments reach it through a correspondent bank. The “1” in the eighth character of CFFIFR21 marks a passive participant.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SCT Inst · SDD Core · SDD B2B · VOP · TIPS
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2012-02-04
- Last updated
- 2024-04-11
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
99.99% Cofidis Group
Institution type
Other
Trades as Cofidis
- Ownership
- Cofidis Group holds 99.99% of the bank, and Crédit Mutuel Alliance Fédérale holds 99.99% of Cofidis Group.
- Direct parent
- Cofidis Group ↗, France 99.99%
- Ultimate owner
- Confédération Nationale du Crédit Mutuel, France
- Head office
- Parc de la Haute Borne, 61 avenue Halley, 59866 Villeneuve-d'Ascq, France
- Company register
- RCS Lille Métropole 325 307 106
Business lines
The bank sells consumer credit, personal loans and loan consolidation mainly at a distance and through merchant partners, and it brokers insurance. Its Portuguese, Hungarian and Polish branches also offer leasing.
Online
- Websites & references
- cofidis.fr ↗
cofidis-group.com ↗ Group corporate site of the parent Cofidis Group
cofidis-business-solutions.fr ↗ Site for merchant partners offering instalment payments
cofidis.es ↗ Spanish branch site
cofidis.pt ↗ Portuguese branch site
cofidis.it ↗ Italian branch site
cofidis.pl ↗ Polish branch site
cofidis.sk ↗ Slovak branch site
Wikidata Q1106920 ↗ - Official social accounts
- X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗ · Facebook Messenger ↗
Sources · 10 pages consulted
- cofidis.fr
- cofidis.fr/fr/infos_legales.html
- cofidis.fr/fr/decouvrir-cofidis/actu-presse/cofidis-sur-les-reseaux-sociaux.html
- pappers.fr/entreprise/cofidis-325307106/comptes/COFIDIS%20-%20Comptes%20sociaux%202024%2016-06-2025.
- cofidis-group.com/en/our-governance/
- cofidis-group.com/en/cofidis-group-at-a-glance/
- cofidis-group.com/wp-content/uploads/2025/06/CP-Cofidis-Group-fait-evoluer-sa-gouvernance-et-nomme-Nicolas-
- pappers.fr/entreprise/cofidis-325307106
- societe.com/societe/cofidis-325307106.html
- cofidis-group.com/rapport-impact-performance-2025/
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Gilles Sauret Président du Directoire (Chairman of the Management Board)
- Chair
-
Daniel Baal
Président du Conseil de surveillance (Chairman of the Supervisory Board)
- Chief financial officer
-
Vincent Laurin
Membre du Directoire; Chief Financial, Risk and Legal Officer (Cofidis Group)
- Executive
- Nicolas Wallaert Directeur général et membre du Directoire
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- European Union
- European Central Bank (Single Supervisory Mechanism) Prudential supervisor
- France
- Autorité de Contrôle Prudentiel et de Résolution (ACPR) Prudential supervisorAML supervisorConductResolution
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
The supervisory board noted the resignations of Isabelle Chevelard and Vice-Chairman Alexandre Saada. It appointed Isabelle Ferrand as a member and Marie-Laure Barthélemy as Vice-Chair.
societe.com ↗ -
Leadership
The supervisory board appointed Nicolas Wallaert Directeur général of the management board. He also became Chief Executive Officer of Cofidis Group from 1 August 2025.
cofidis-group.com ↗ -
Merger / acquisition
The bank acquired 100% of Magyar Cetelem Bank Zrt, the former Hungarian subsidiary of BNP Paribas Personal Finance, on 30 September 2024.
pappers.fr ↗ -
Leadership
Thierry Vittu left the management board, according to a notice published in the BODACC.
pappers.fr ↗ -
Merger / acquisition
The bank acquired all the capital of Carizy, an online platform for used-car sales, on 31 January 2024.
pappers.fr ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- CFFIFR21XXX
- How the BIC breaks down
- CFFIBank
- FRCountry · France
- 21Location · passive
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 969500EJMFFRSWFDJG41
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
- National bank code
- Code interbancaire (CIB) 14940
Profile
- Type
- Credit institutionListed as a credit institution, or a branch of one, on the ECB’s list of supervised entities, or named as a bank on the Financial Stability Board’s G-SIB list, directly or as a G-SIB’s main operating bank. These are the only bank lists the directory tracks so far.
- Regulation
- Prudentially supervised (ECB list)Prudentially supervised, according to the ECB list of supervised entities (as at 2026-07-01). This is banking supervision, not a licence on a tracked register.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- France · Europe & Central Asia
- Banking supervision
- Significant · supervised by the ECB as of 2026-07-01
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
- Founded
- 1982
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
- Direct parent
- Cofidis Group · France969500WG4PW2O28P5546 ↗
- Ultimate parent
- Confederation Nationale Credit Mutuel · France9695000CG7B84NLR5984 ↗
The Confederation Nationale Credit Mutuel group has 41 institutions in the directory, in 13 countries: 38 hold a BIC and 3 do not.
Including Credit Mutuel Arkea, Banque Federative du Credit Mutuel, Banque Federative du Credit Mutuel, Credit Industriel et Commercial, Credit Industriel et Commercial, New York Branch.
See the Confederation Nationale Credit Mutuel group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- FRANCE
- Operational address
- 61 AVENUE HALLEY PARC DE LA HAUTE BORNE VILLENEUVE D'ASCQ 59866 VILLENEUVE D'ASCQ CEDEX FRANCE
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Debtor agent, creditor agent or an intermediary agent
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>CFFIFR21XXX</BICFI>
<LEI>969500EJMFFRSWFDJG41</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>CFFIFR21XXX</BICFI>
<LEI>969500EJMFFRSWFDJG41</LEI>
<Nm>COFIDIS</Nm>
</FinInstnId>This BIC is not connected to Swift. Messages reach the institution through a correspondent bank, so it cannot be the instructing or instructed agent.
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2014-02-03 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2018-09-14 | Head office | — |
| SEPA Direct Debit CoreISO 20022 messages | 2014-02-03 | Head office | — |
| SEPA Direct Debit Business-to-BusinessISO 20022 messages | 2015-09-07 | Head office | — |
| Verification of Payee | 2025-10-09 | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. TIPS entries have no joining date.
An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
National bank codes
Code interbancaire (CIB) · France
1 code
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 14940 | CFFIFR21XXX | Cofidis | VILLENEUVE D ASCQ |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of TIPS participants and reachable parties.
- Banking supervision—Source: European Central Bank, list of supervised entities.
- Wikidata—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- National bank codes—France (Source: ACPR – REGAFI).
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- European registers—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Matched on LEI by Elucidate.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: Cofidis · Public domain · Wikimedia Commons · original; Daniel Baal: cofidis-group.com (official website) · original; Vincent Laurin: cofidis-group.com (official website) · original.
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