France · Payments & e-money
LA Banque Postale Consumer Finance
La Banque Postale Consumer Finance (LBPCF) is a French société anonyme with a management board and supervisory board, headquartered in Saint-Denis. The Autorité de contrôle prudentiel et de résolution (ACPR) authorises it as a financing company (société de financement) and payment institution, under bank code (CIB) 16178. La Banque Postale wholly owns the firm. The firm is the lender for the consumer credit that La Banque Postale sells: personal loans, debt consolidation loans and revolving credit. It also offers split payment under its Django brand. It was formerly named La Banque Postale Financement.
Licences and registrations
Held by LA Banque Postale Consumer Finance (LEI 9695008G2KXJ42T5XW16). 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 Authority | Payment institutionPayment Institution | 487779035 | France | Active | 2014-05-05 | — |
|
Search the register ↗ |
- 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.
Swift network
Swift’s ISO 9362 BIC directory
Holds no BIC in Swift’s directory.
Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
100% LA BANQUE POSTALE
Firm type
Lending or buy now, pay later
Trades as La Banque Postale Consumer Finance (LBPCF); Django
- Ownership
- La Banque Postale owns 100% of the firm, and GLEIF reports Caisse des Dépôts et Consignations as the ultimate accounting parent.
- Direct parent
- LA BANQUE POSTALE, France 100%
- Ultimate owner
- CAISSE DES DEPOTS ET CONSIGNATIONS, France
- Head office
- 1-3 avenue François Mitterrand, 93210 Saint-Denis, France
- Company register
- RCS Bobigny 487 779 035
- Incorporated
- 14 Dec 2005
- Former name
- La Banque Postale Financement
Online
- Websites & references
- django.eu ↗
labanquepostale.fr ↗ Website of the parent La Banque Postale, which distributes the firm's loans as its credit intermediary - Official social accounts
- LinkedIn ↗ · Facebook ↗ · Instagram ↗ · LinkedIn (Django brand) ↗
Sources · 12 pages consulted
- regafi.fr/spip.php?cat=22-TBR07&id=5597&id_secteur=3&lang=en&page=af&retrait=0&sort=sir_asc&type=ad
- django.eu/protection-des-donnees
- django.eu/mentions-legales
- django.eu/
- labanquepostale.fr/particulier/emprunter/financement-de-projets.html
- labanquepostale.com/a-propos/gouvernance/le-comite-executif/christophe-van-de-walle.html
- labanquepostale.com/a-propos/activites/filiales.html
- labanquepostale.com/content/dam/lbp/documents/communiques-de-presse/2025/CP-LBPCF-Nomination-SMarty.pdf
- labanquepostale.com/newsroom-publications/actualites/2024/evolution-gouvernance-la-banque-postale.html
- annuaire-entreprises.data.gouv.fr/entreprise/487779035
- fr.linkedin.com/company/la-banque-postale-consumer-finance
- lapostegroupe.com/fr/actualite/la-banque-postale-lance-django-sa-fintech-dediee-au-credit-a-la-consommation
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The ACPR authorises the firm as a financing company (société de financement) and payment institution, under bank code (CIB) 16178. La Banque Postale acts as distributor and credit intermediary for its loans. The firm is also registered with ORIAS as an insurance intermediary.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Autorité de contrôle prudentiel et de résolution (ACPR) France | Société de financement / Établissement de paiement (Financing company/Payment institution) | 16178 | In its own name | Active | regafi.fr ↗ |
| Autorité de contrôle prudentiel et de résolution (ACPR) France | Société de financement (lender authorised as a financing company) | 16178 | In its own name | Active | django.eu ↗ |
| ORIAS (French register of insurance intermediaries) France | Intermédiaire d'assurance (insurance intermediary) | 09 051 330 | In its own name | Active | django.eu ↗ |
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.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Not disclosedThe firm publishes no safeguarding statement for its payment services. Its main activity is lending on its own balance sheet.
- Card issuer · Partner
- La Banque Postale France
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
It lends personal loans, debt consolidation loans and revolving credit with an associated card to individuals, mainly through La Banque Postale. Through the Django Later app, customers can split purchases of EUR 50 to EUR 2,500 made in the last 60 days into three monthly instalments.
It serves individual customers in France, largely customers of La Banque Postale.
- Sells to
- Consumers
- Serves customers in
- France
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Christophe Van de Walle Président du directoire (Chairman of the Management Board)
- Chief financial officer
- Silvan Marty Membre du directoire, in charge of finance, general secretariat, risk and Django
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
La Banque Postale appointed Silvan Marty to the firm's management board, succeeding Christophe Juguet, who retired.
labanquepostale.com ↗ -
Leadership
The supervisory board appointed Christophe Van de Walle chairman of the management board from 1 February 2024, succeeding Franck Oniga.
labanquepostale.com ↗
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
- Licence no. · EBA-PSD2
- 487779035
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate to GLEIF on name and country only
- National bank code
- FR-CIB 16178
- Elucidate firm ID
- d57da2324b7e
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.
- Main licence class
- Payment Institution
- Activities
- Payment services
- Licensed in
- France · Europe & Central Asia
- First registered
- 2014-05-05
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
- La Banque Postale · France96950066U5XAAIRCPA78 ↗
- Ultimate parent
- Caisse des Depots et Consignations · France969500Q2PFTTP0Y5QL44 ↗
The Caisse des Depots et Consignations group has 21 institutions in the directory, in 6 countries: 20 hold a BIC and 1 does not.
Including La Banque Postale, Ezyness, Caisse Francaise de Financement Local, La Banque Postale Home Loan Sfh, Sfil.
See the Caisse des Depots et Consignations group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- 1-3 avenue François Mitterrand, ST DENIS, 93200
- Country
- France
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.
- Identified by
- Name and postal address, with its LEI
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in one address line
<FinInstnId>
<LEI>9695008G2KXJ42T5XW16</LEI>
<Nm>LA BANQUE POSTALE CONSUMER FINANCE</Nm>
<PstlAdr>
<PstCd>93200</PstCd>
<TwnNm>ST DENIS</TwnNm>
<Ctry>FR</Ctry>
<AdrLine>1-3 avenue François Mitterrand</AdrLine>
</PstlAdr>
</FinInstnId>- CBPR+ does not accept the character ç in names and addresses. Transliterate before sending.
CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.
The values are as published by the register. Check them against your own records before use.
National bank codes
National bank-code directories, matched by LEI
| Code | Scheme | Name in the directory | City |
|---|---|---|---|
| 16178 | FR-CIB | LA BANQUE POSTALE CONSUMER FINANCE | ST DENIS |
Sources & method
Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.
An institution missing from these registers is not necessarily unregulated.
Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.
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 →Register for this page
- EBA PSD2 Register—European Banking Authority (EBA) · source ↗ 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.
Assess the financial crime risk behind a licence
A licence records what an institution is authorised to do; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment institutions.
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