France · Payments & e-money
Credit Moderne Ocean Indien
Crédit Moderne Océan Indien (CMOI) is a French société anonyme with its head office in Sainte-Clotilde, Saint-Denis, Réunion. The Autorité de Contrôle Prudentiel et de Résolution (ACPR) authorises it as a société de financement (financing company). The EBA payment institutions register also lists it as a payment institution. It is a subsidiary of BNP Paribas Personal Finance, part of the BNP Paribas group. Under the Crédit Moderne brand it offers consumer loans, revolving credit with the Cpay credit card, debt consolidation and borrower insurance to consumers in Réunion.
Licences and registrations
Held by Credit Moderne Ocean Indien (LEI 969500T8QYO52ACKT375). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterPrudential Supervisory and Resolution AuthorityLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 333353944 | France | Active | 2014-07-03 | — |
|
Search the register ↗ |
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Regulatory status
FSB · global systemically important banks
2025 list
- G-SIB
- BNP Paribas
- Relation
- In a G-SIB groupGLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
- Bucket
- 2 of 5 · extra capital buffer 1.5% of risk-weighted assets
- On the list since
- 2011
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Other monetary financial institution
- Minimum reserves
- Not on the ECB reserve list
- Listed as
- Crédit moderne Océan Indien
- RIAD code
- FR12050
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- CMOIFR21XXX 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 CMOIFR21 marks a passive participant.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2007-01-06
- Last updated
- 2007-01-06
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
BNP Paribas Personal Finance
Firm type
Lending or buy now, pay later
Trades as Crédit Moderne
- Ownership
- BNP Paribas Personal Finance is the direct parent and BNP Paribas the ultimate parent, according to the entity's LEI record.
- Direct parent
- BNP Paribas Personal Finance, France
- Ultimate owner
- BNP Paribas, France
- Head office
- 28 rue Lislet Geoffroy, CS 91028, 97495 Sainte-Clotilde (Saint-Denis), Réunion
- Company register
- RCS Saint-Denis de La Réunion 333 353 944
- Incorporated
- 13 Jun 1985
- Name in the local language
- Crédit Moderne Océan Indien
Online
- Websites & references
- credit-moderne.com ↗
credit-moderne.com/fr/reunion ↗ Réunion country site of this entity
espace-personnel.credit-moderne.com ↗ customer portal - Official social accounts
- None found
Sources · 10 pages consulted
- credit-moderne.com/fr/reunion/mentions-legales
- credit-moderne.com/fr/reunion
- credit-moderne.com/fr/reunion/qui-sommes-nous
- credit-moderne.com/fr/reunion/carte-cpay
- credit-moderne.com/content/dam/credit-moderne/reunion/GUIDE_Cpay_CMOI.pdf
- credit-moderne.com/fr/reunion/plus-responsables
- credit-moderne.com/fr/reunion/lutte-contre-la-fraude
- credit-moderne.com/fr/dom
- annuaire-entreprises.data.gouv.fr/entreprise/credit-moderne-ocean-indien-cmoi-333353944
- credit-moderne.com/content/dam/credit-moderne/assurance/ade-CR/FICHE-Conseil_ADE-CR_CMOI.pdf
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The ACPR authorises the firm as a société de financement. The EBA register lists it as a payment institution authorised for payment services since 3 July 2014.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Autorité de Contrôle Prudentiel et de Résolution (ACPR) France | Société de financement (financing company) | 12050 | In its own name | Active | credit-moderne.com ↗ |
| Autorité de Contrôle Prudentiel et de Résolution (ACPR) France | Payment institution (EBA PSD2 register) | 333353944 | In its own name | Active | — |
| ORIAS (French register of insurance, banking and finance intermediaries) France | Insurance intermediary (courtier en assurance) | 07 029 039 | In its own name | Active | credit-moderne.com ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Products and markets
Researched 29 Sep 2026 · Sources
It offers personal loans for vehicles, home improvement and other projects, revolving credit linked to the Cpay credit card, debt consolidation and optional borrower insurance brokered from Cardif. The Cpay card works across the Aurore Cpay network of partner retailers.
It serves consumers in Réunion, a French overseas department; a separate Crédit Moderne entity covers the Antilles and French Guiana.
- Sells to
- Consumers
- Serves customers in
- Réunion
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Olivier Gonzalez Directeur de la Publication (publication director of the website)
Recent events
Researched 29 Sep 2026 · Sources
The research found no fines, investigations, security incidents, licence changes or corporate events from the last three years.
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
Head-office record
- BIC
- CMOIFR21XXX
- How the BIC breaks down
- CMOIBank
- FRCountry · France
- 21Location · passive
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 969500T8QYO52ACKT375
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 333353944
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entry: Matched by Elucidate to GLEIF on name, country and address.
- Register-entry ID
- fb6d494c865c
- National bank code
- Code interbancaire (CIB) 12050
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Register licences
- 1 entry on 1 register
- Activities
- Payment services
- Licensed in
- France
- Country · region
- France · Europe & Central Asia
- FSB G-SIB list
- In a G-SIB group · BNP Paribas list of 2025
- Banking supervision
- Not on the ECB's list of supervised entities 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
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
- BNP Paribas Personal Finance · France969500VHT1ZNPVWOYF63 ↗
- Ultimate parent
- BNP Paribas · FranceR0MUWSFPU8MPRO8K5P83 ↗
- FSB G-SIB list
- In a G-SIB group · BNP Paribas bucket 2 · 2025 listGLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
The BNP Paribas group has 140 institutions in the directory, in 63 countries: 136 hold a BIC and 4 do not.
Including BNP Paribas, Banca Nazionale del Lavoro SPA, BNP Paribas Fortis SA/NV, BNP Paribas, BNP Paribas Financial Markets.
See the BNP Paribas group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- 22 R PIERRE AUBERT STE CLOTILDE SAINT DENIS 97400 FRANCE
- Operational address
- 22 RUE PIERRE AUBERT SAINT DENIS 97400 SAINT DENIS 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>CMOIFR21XXX</BICFI>
<LEI>969500T8QYO52ACKT375</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>CMOIFR21XXX</BICFI>
<LEI>969500T8QYO52ACKT375</LEI>
<Nm>CREDIT MODERNE OCEAN INDIEN</Nm>
<PstlAdr>
<TwnNm>SAINT DENIS</TwnNm>
<Ctry>FR</Ctry>
<AdrLine>22 R PIERRE AUBERT STE CLOTILDE SAINT DENIS 97400</AdrLine>
</PstlAdr>
</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.
National bank codes
Code interbancaire (CIB) · France
1 code
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 12050 | CMOIFR21XXX | Crédit moderne Océan Indien | ST DENIS |
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.
Register entries are not screened against sanctions 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
- National bank codes—France (Source: ACPR – REGAFI).
- EBA PSD2 Register—European Banking Authority (EBA) · register ↗ as at 25 September 2026
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, 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.
Assess the financial crime risk behind a BIC
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