--- title: "LA Banque Postale Consumer Finance · Payment institution (Prudential Supervisory and Resolution Authority) · France | Elucidate" description: "LA Banque Postale Consumer Finance is authorised by Prudential Supervisory and Resolution Authority as a payment institution in France. Licence 487779035. LEI 9695008G2KXJ42T5XW16. Register status, licences, activities and ownership." url: https://elucidate.co/directory/la-banque-postale-consumer-finance-d57da2324b7e --- 1. [Directory](https://elucidate.co/directory) 2. [France](https://elucidate.co/directory/country/fr) 3. LA Banque Postale Consumer Finance 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. Register status Licensed in France Payment institution · Prudential Supervisory and Resolution Authority Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/la-banque-postale-consumer-finance-d57da2324b7e#licences) BIC **No BIC** LEI **[9695008G2KXJ42T5XW16](https://search.gleif.org/#/record/9695008G2KXJ42T5XW16)** [Licence no. **487779035**](https://elucidate.co/directory/la-banque-postale-consumer-finance-d57da2324b7e#licences) [Group: Caisse des Depots et Consignations](https://elucidate.co/directory/group/969500Q2PFTTP0Y5QL44) ## 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 Register](https://elucidate.co/directory/register/eba-psd2) Prudential Supervisory and Resolution Authority | Payment institutionPayment Institution | 487779035 | [France](https://elucidate.co/directory/country/fr) | Active | 2014-05-05 | — | - Payment services | [Search the register ↗](https://euclid.eba.europa.eu/register/pir/search) | - 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](https://elucidate.co/directory/la-banque-postale-consumer-finance-d57da2324b7e#overview-sources) Customers 1,000,000 customers · This entity · 19 May 2026 · [company statement ↗](https://fr.linkedin.com/company/la-banque-postale-consumer-finance) Employees 650 headcount · This entity · 19 May 2026 · [company statement ↗](https://fr.linkedin.com/company/la-banque-postale-consumer-finance) 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](https://elucidate.co/directory/la-banque-postale-psstfrpp), 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 ↗](https://www.django.eu/) [labanquepostale.fr ↗](https://www.labanquepostale.fr/) Website of the parent La Banque Postale, which distributes the firm's loans as its credit intermediary - **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/la-banque-postale-consumer-finance) · [Facebook ↗](https://www.facebook.com/django.eu) · [Instagram ↗](https://instagram.com/djangofrance?igshid=Y2I2MzMwZWM3ZA%3D%3D) · [LinkedIn (Django brand) ↗](https://www.linkedin.com/company/djangofrance/) Sources · 12 pages consulted 1. [regafi.fr/spip.php?cat=22-TBR07&id=5597&id\_secteur=3&lang=en&page=af&retrait=0&sort=sir\_asc&type=ad](https://regafi.fr/spip.php?cat=22-TBR07&id=5597&id_secteur=3&lang=en&page=af&retrait=0&sort=sir_asc&type=advanced) 2. [django.eu/protection-des-donnees](https://www.django.eu/protection-des-donnees) 3. [django.eu/mentions-legales](https://www.django.eu/mentions-legales) 4. [django.eu/](https://www.django.eu/) 5. [labanquepostale.fr/particulier/emprunter/financement-de-projets.html](https://www.labanquepostale.fr/particulier/emprunter/financement-de-projets.html) 6. [labanquepostale.com/a-propos/gouvernance/le-comite-executif/christophe-van-de-walle.html](https://www.labanquepostale.com/a-propos/gouvernance/le-comite-executif/christophe-van-de-walle.html) 7. [labanquepostale.com/a-propos/activites/filiales.html](https://www.labanquepostale.com/a-propos/activites/filiales.html) 8. [labanquepostale.com/content/dam/lbp/documents/communiques-de-presse/2025/CP-LBPCF-Nomination-SMarty.pdf](https://www.labanquepostale.com/content/dam/lbp/documents/communiques-de-presse/2025/CP-LBPCF-Nomination-SMarty.pdf) 9. [labanquepostale.com/newsroom-publications/actualites/2024/evolution-gouvernance-la-banque-postale.html](https://www.labanquepostale.com/newsroom-publications/actualites/2024/evolution-gouvernance-la-banque-postale.html) 10. [annuaire-entreprises.data.gouv.fr/entreprise/487779035](https://annuaire-entreprises.data.gouv.fr/entreprise/487779035) 11. [fr.linkedin.com/company/la-banque-postale-consumer-finance](https://fr.linkedin.com/company/la-banque-postale-consumer-finance) 12. [lapostegroupe.com/fr/actualite/la-banque-postale-lance-django-sa-fintech-dediee-au-credit-a-la-consommation](https://www.lapostegroupe.com/fr/actualite/la-banque-postale-lance-django-sa-fintech-dediee-au-credit-a-la-consommation-au-positionnement-resolument-citoyen) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/la-banque-postale-consumer-finance-d57da2324b7e#overview-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 ↗](https://regafi.fr/spip.php?cat=22-TBR07&id=5597&id_secteur=3&lang=en&page=af&retrait=0&sort=sir_asc&type=advanced) | | 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 ↗](https://www.django.eu/protection-des-donnees) | | ORIAS (French register of insurance intermediaries) France | Intermédiaire d'assurance (insurance intermediary) | 09 051 330 | In its own name | Active | [django.eu ↗](https://www.django.eu/mentions-legales) | 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](https://elucidate.co/directory/la-banque-postale-consumer-finance-d57da2324b7e#overview-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 [labanquepostale.fr ↗](https://www.labanquepostale.fr/particulier/emprunter/financement-de-projets.html) 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](https://elucidate.co/directory/la-banque-postale-consumer-finance-d57da2324b7e#overview-sources) - Lending - Buy now, pay later 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](https://elucidate.co/directory/la-banque-postale-consumer-finance-d57da2324b7e#overview-sources) - **Chief executive:** Christophe Van de Walle Président du directoire (Chairman of the Management Board) Confirmed 29 Sep 2026 · [labanquepostale.com ↗](https://www.labanquepostale.com/a-propos/gouvernance/le-comite-executif/christophe-van-de-walle.html) - **Chief financial officer:** Silvan Marty Membre du directoire, in charge of finance, general secretariat, risk and Django Confirmed 1 Oct 2025 · [labanquepostale.com ↗](https://www.labanquepostale.com/content/dam/lbp/documents/communiques-de-presse/2025/CP-LBPCF-Nomination-SMarty.pdf) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/la-banque-postale-consumer-finance-d57da2324b7e#overview-sources) 1. Oct 2025 Leadership La Banque Postale appointed Silvan Marty to the firm's management board, succeeding Christophe Juguet, who retired. [labanquepostale.com ↗](https://www.labanquepostale.com/content/dam/lbp/documents/communiques-de-presse/2025/CP-LBPCF-Nomination-SMarty.pdf) 2. Feb 2024 Leadership The supervisory board appointed Christophe Van de Walle chairman of the management board from 1 February 2024, succeeding Franck Oniga. [labanquepostale.com ↗](https://www.labanquepostale.com/newsroom-publications/actualites/2024/evolution-gouvernance-la-banque-postale.html) 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 - **LEI:** [9695008G2KXJ42T5XW16 ↗](https://search.gleif.org/#/record/9695008G2KXJ42T5XW16) - **How the LEI was matched:** Matched by Elucidate to GLEIF on name and country only - **National bank code:** [FR-CIB 16178](https://elucidate.co/directory/la-banque-postale-consumer-finance-d57da2324b7e#bank-codes) - **Elucidate firm ID:** d57da2324b7e ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** Payment Institution - **Activities:** - Payment services - **Licensed in:** [France](https://elucidate.co/directory/country/fr) · 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](https://elucidate.co/directory/la-banque-postale-psstfrpp) · France[96950066U5XAAIRCPA78 ↗](https://search.gleif.org/#/record/96950066U5XAAIRCPA78) - **Ultimate parent:** [Caisse des Depots et Consignations](https://elucidate.co/directory/caisse-des-depots-et-consignations-cdcgfrpp) · France[969500Q2PFTTP0Y5QL44 ↗](https://search.gleif.org/#/record/969500Q2PFTTP0Y5QL44) 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](https://elucidate.co/directory/la-banque-postale-psstfrpp), [Ezyness](https://elucidate.co/directory/ezyness-gailfrp1), [Caisse Francaise de Financement Local](https://elucidate.co/directory/caisse-francaise-de-financement-local-dxmafrpp), [La Banque Postale Home Loan Sfh](https://elucidate.co/directory/la-banque-postale-home-loan-sfh-hlbpfrpp), [Sfil](https://elucidate.co/directory/sfil-sfilfrpp). [See the Caisse des Depots et Consignations group →](https://elucidate.co/directory/group/969500Q2PFTTP0Y5QL44) 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 ```xml 9695008G2KXJ42T5XW16 LA BANQUE POSTALE CONSUMER FINANCE 93200 ST DENIS FR 1-3 avenue François Mitterrand ``` - 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 | ## Related institutions ### Same group - [La Banque Postale BIC PSSTFRPP Credit institution Prudential licence France · On the ECB list of supervised entities · LEI 96950066U5XAAIRCPA78](https://elucidate.co/directory/la-banque-postale-psstfrpp) - [Ezyness BIC GAILFRP1 Payments & e-money Prudential licence France · Licensed by Prudential Supervisory and Resolution Authority · 522058544 (EBA-PSD2) · LEI 969500LC14WDCRNTV833](https://elucidate.co/directory/ezyness-gailfrp1) - [Caisse Francaise de Financement Local BIC DXMAFRPP Credit institution Prudential licence France · On the ECB list of supervised entities · LEI 549300E6W08778I4OW85](https://elucidate.co/directory/caisse-francaise-de-financement-local-dxmafrpp) - [La Banque Postale Home Loan Sfh BIC HLBPFRPP Credit institution Prudential licence France · On the ECB list of supervised entities · LEI 969500D5PFMTWUYSUF61](https://elucidate.co/directory/la-banque-postale-home-loan-sfh-hlbpfrpp) - [Sfil BIC SFILFRPP Credit institution Prudential licence France · On the ECB list of supervised entities · LEI 549300HFEHJOXGE4ZE63](https://elucidate.co/directory/sfil-sfilfrpp) - [Caisse des Depots et Consignations BIC CDCGFRPP Financial institution Not on a tracked register France · Not on a tracked register · LEI 969500Q2PFTTP0Y5QL44](https://elucidate.co/directory/caisse-des-depots-et-consignations-cdcgfrpp) - [Cnp Assurances BIC CNPAFRPP Financial institution Not on a tracked register France · Not on a tracked register · LEI 969500QKVPV2H8UXM738](https://elucidate.co/directory/cnp-assurances-cnpafrpp) - [Lbp Am S.A. BIC LBGAFRPP Financial institution Not on a tracked register France · Not on a tracked register · LEI 9695005YEKXREPY54B44](https://elucidate.co/directory/lbp-am-s-a-lbgafrpp) [All 21 institutions in the Caisse des Depots et Consignations group →](https://elucidate.co/directory/group/969500Q2PFTTP0Y5QL44) ### Other payments & e-money institutions in France - [Aplo Sas · trading as APLO No BIC Payments & e-money Crypto Prudential licence France · Licensed by Prudential Supervisory and Resolution Authority · 878929405 (EBA-PSD2) · also on ESMA-CASP · LEI 969500YKHZ31GZ7AAU02](https://elucidate.co/directory/aplo-sas-d10450e1dc56) - [Circle Internet Financial Europe Sas · trading as CIRCLE No BIC Payments & e-money Crypto Prudential licence France · Licensed by Prudential Supervisory and Resolution Authority · 953990934 (EBA-PSD2) · also on ESMA-CASP · LEI 969500OYUDADGZKCR583](https://elucidate.co/directory/circle-internet-financial-europe-sas-44b976c8a384) - [Coinhouse Sas · trading as COINHOUSE No BIC Payments & e-money Crypto Prudential licence France · Licensed by Prudential Supervisory and Resolution Authority · 815254545 (EBA-PSD2) · also on ESMA-CASP · LEI 969500E5GFHK2RKF8251](https://elucidate.co/directory/coinhouse-sas-6300d2a90c94) - [Cometh Sas · trading as COMETH No BIC Payments & e-money Crypto Prudential licence France · Licensed by Prudential Supervisory and Resolution Authority · 892021577 (EBA-PSD2) · also on ESMA-CASP · LEI 894500R5KSX3ZKIHSA46](https://elucidate.co/directory/cometh-sas-0790176952a5) - [Deblock No BIC Payments & e-money Crypto Prudential licence France · Licensed by Prudential Supervisory and Resolution Authority · 948264163 (EBA-PSD2) · also on ESMA-CASP · LEI 254900XTUI35BGIBXP21](https://elucidate.co/directory/deblock-6ef351dbc619) - [Finary Sas · trading as FINARY No BIC Payments & e-money Crypto Prudential licence France · Licensed by Prudential Supervisory and Resolution Authority · FR\_ACPR!758984 (EBA-PSD2) · also on ESMA-CASP · LEI 969500RQH18PU24DM081](https://elucidate.co/directory/finary-sas-19e286f4b6ca) - [Franfinance BIC FRANFR21 Payments & e-money Prudential licence France · Licensed by Prudential Supervisory and Resolution Authority · 719807406 (EBA-PSD2) · LEI 969500FOY8TU4THH6S92](https://elucidate.co/directory/franfinance-franfr21) - [GOin SAS · trading as GOIN No BIC Payments & e-money Crypto Prudential licence France · Licensed by Prudential Supervisory and Resolution Authority · 839009669 (EBA-PSD2) · also on ESMA-CASP · LEI 894500LM6DICD790FQ34](https://elucidate.co/directory/goin-sas-37bbb1aeadcc) [See all →](https://elucidate.co/directory/search?type=payments&cc=FR) [Other entries on EBA-PSD2 →](https://elucidate.co/directory/register/eba-psd2) 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 →](https://elucidate.co/directory/methodology) Register for this page - **EBA PSD2 Register**—European Banking Authority (EBA) · [source ↗](https://euclid.eba.europa.eu/register/pir/search) 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)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks and payment institutions. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.