France · Credit institution
Diac SA
Legal name in the LEI recordDIAC
DIAC is a French société anonyme and specialised credit institution. Its registered office is in Fontenay-sous-Bois. It is a subsidiary of RCI Banque S.A., the Renault Group finance company, which holds 99.99% of its capital. It trades as Mobilize Financial Services France. It offers car loans, leasing and related insurance and services to customers of the Renault, Dacia, Alpine, Nissan and Mitsubishi networks in France. It also provides financing to the dealer networks. According to the group, DIAC was founded in 1924 by Louis Renault. It adopted the Mobilize Financial Services brand in September 2022.
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
- Diac
- Entity type
- Credit institution
- Supervised group (ECB)
- RCI Banque SA →
- Why significant
- Size (Total assets EUR 50-75 bn)
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Subject to minimum reserves
- Listed as
- Diac
- RIAD code
- FR16000
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- DIACFR21XXX 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 DIACFR21 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
- 2001-09-01
- Last updated
- 2001-09-01
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
99.99% RCI Banque S.A.
Institution type
Other
Trades as Mobilize Financial Services (Mobilize Financial Services France)
- Standing
- The bank moved its registered office from 14 avenue du Pavé Neuf, Noisy-le-Grand, to Fontenay-sous-Bois on 1 July 2026. Its registration moved from the Bobigny register to the Créteil register. The Swift directory still shows the former Noisy-le-Grand address.
- Ownership
- RCI Banque S.A., which trades as Mobilize Financial Services and is 99.99% owned by Renault s.a.s., holds 99.99% of the bank.
- Direct parent
- RCI Banque S.A., France 99.99%
- Ultimate owner
- Renault, France
- Head office
- 80-90 avenue du Maréchal de Lattre de Tassigny, 94120 Fontenay-sous-Bois, France
- Company register
- SIREN 702 002 221, RCS Créteil (formerly RCS Bobigny)
Business lines
The bank is the captive finance company for Renault Group brands in France. It provides loans, finance leases and long-term rentals to retail and business customers, stock and cash financing to dealers, and insurance intermediation linked to vehicle financing.
Online
- Websites & references
- mobilize-fs.fr ↗
mobilize-leaseandco.fr ↗ Mobilize Lease&Co site, listed as a website of the French subsidiary on the group site
mobilize-fs.com ↗ Group site (RCI Banque S.A.) that hosts DIAC's annual and half-year financial reports
Wikidata Q131530969 ↗ - Official social accounts
- None found
Sources · 11 pages consulted
- mobilize-fs.fr/mentions-legales/
- mobilize-fs.com/sites/default/files/media/pdf/DIAC%20RFS%20H1%202026.pdf
- mobilize-fs.com/en/finance/reports-and-releases/financial-reports
- mobilize-fs.com/en/subsidiaries/mobilize-financial-services-france
- mobilize-fs.com/en/our-group/governance
- annuaire-entreprises.data.gouv.fr/entreprise/diac-mobilize-financial-services-702002221
- societe.com/societe/diac-702002221.html
- mobilize-fs.com/sites/default/files/media/pdf/RCI_2024_RFA_FR_MEL.pdf
- journalauto.com/journal-des-flottes/mobilize-financial-services-france-fait-evoluer-son-equipe-de-directi
- revue-banque.fr/nominations/mobilize-financial-services-frederic-schneider-directeur-general-france-FC209
- mobilize-fs.fr/
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Frédéric Schneider Directeur général (Chief Executive Officer), Mobilize Financial Services France
- Chair
- Martin Thomas Président du conseil d'administration (Chair of the Board)
- Chief financial officer
- Lukasz Cieslak Directeur financier et directeur général délégué (Chief Financial Officer and Deputy Chief Executive Officer)
- Executive
- Valérie Chatain Directrice marketing et directrice générale déléguée (Marketing Director and Deputy Chief Executive Officer)
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- European Union
- European Central Bank Prudential supervisor
- France
- Autorité de contrôle prudentiel et de résolution (ACPR) Prudential supervisorAML supervisorConductResolution
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The bank restated its 2025 figures under IAS 8. It corrected EUR 47 million of deferred income and EUR 29 million on a principal account.
mobilize-fs.com ↗ -
Other
The bank moved its registered office from Noisy-le-Grand to Fontenay-sous-Bois and transferred its registration to the Créteil register.
societe.com ↗ -
Leadership
The board appointed Valérie Chatain and Lukasz Cieslak as deputy chief executive officers, subject to approval by the European Central Bank.
journalauto.com ↗ -
Leadership
Frédéric Schneider became chief executive officer of Mobilize Financial Services France, succeeding Thibault Paland.
revue-banque.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
- DIACFR21XXX
- How the BIC breaks down
- DIACBank
- FRCountry · France
- 21Location · passive
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 9695002ASDT3XIMLZY47
- 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) 16000
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
- 1970
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
- Rci Banque · France96950001WI712W7PQG45 ↗
- Ultimate parent
- Renault · France969500F7JLTX36OUI695 ↗
The Renault group has 10 institutions in the directory, in 7 countries: all hold a BIC.
Including Rci Banque S.A. Niederlassung Deutschland, Rci Banque SA Sucursal En Espana, Rcibanque S.A. Diac, Cars Alliance Auto Loans Italy 2015, Rci Bank UK Limited.
See the Renault group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- 14 AVENUE DU PAVE NEUF NOISY LE GRAND 93168 FRANCE
- Operational address
- 14 AVENUE DU PAVE NEUF NOISY LE GRAND 93168 NOISY LE GRAND 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>DIACFR21XXX</BICFI>
<LEI>9695002ASDT3XIMLZY47</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>DIACFR21XXX</BICFI>
<LEI>9695002ASDT3XIMLZY47</LEI>
<Nm>DIAC SA</Nm>
<PstlAdr>
<TwnNm>NOISY LE GRAND</TwnNm>
<Ctry>FR</Ctry>
<AdrLine>14 AVENUE DU PAVE NEUF NOISY LE GRAND 93168</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 |
|---|---|---|---|
| 16000 | DIACFR21XXX | Diac | FONTENAY SOUS BOIS |
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.
Claim this profile
Work at Diac SA?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
- 01Submit Tell us who you are, using your work email.
- 02We verify We check the email domain and confirm your role with the bank. This usually takes up to five business days.
- 03Profile claimed The page is marked as claimed and verified. You can send us corrections at any time.
Claim received
Thank you. We will email your work address once the claim is verified. Until then, the page stays unclaimed.
The claim was not sent. Try again, or email contact@elucidate.co.
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
- 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.
Assess the financial crime risk behind a BIC
A BIC identifies an institution; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
Book a demo