# Crédit Agricole Ma Banque

> Source: https://docs.barcoder.ai/docs/wallets/credit-agricole
> research date 2026-05-29 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Crédit Agricole — official](https://www.credit-agricole.fr/)

## Overview

**Crédit Agricole** is **one of the world's largest cooperative banking groups** + **France's largest cooperative bank** <sup>[1][1], [2][2], [France report](https://docs.barcoder.ai/docs/payments/FR)</sup>. **Ma Banque app 2025 baseline**: **11M+ active users + 554,000 iOS reviews + 4.6/5 rating + ranked #7 in app stores**.

**Distinctive Crédit Agricole positioning** <sup>[3][3], [4][4]</sup>:
- **France's largest cooperative bank** — distinctive cooperative banking structure where clients can participate via social shares
- **39 Regional Banks (Caisses Régionales)** that own Crédit Agricole S.A. via Federation
- **Ma Banque app**: 11M+ active users + new "coming balance" (solde à venir) feature deployed nationally late May 2025 (estimate of available amount once pending operations settled, including scheduled withdrawals)
- **Multi-country presence**: 28+ countries — distinctive European cooperative banking international footprint
- **Major Crédit Agricole businesses**: Crédit Agricole Retail Banking + LCL (Le Crédit Lyonnais; CA subsidiary) + CACEIS + Indosuez Wealth Management + Crédit Agricole Assurances + Crédit Agricole CIB + Amundi (Crédit Agricole asset management subsidiary; world's largest European asset manager)

## History

**1885 — Crédit Agricole founded** as French agricultural cooperative banking system — distinctive French agricultural cooperative banking heritage.

**1894 — French law formalizes Crédit Agricole** local cooperative bank structure.

**1920 — National Crédit Agricole organization formed**.

**2001 — Crédit Agricole S.A. created + IPO** on Euronext Paris (ACA) — IPO of the central body owned by 39 Regional Banks.

**2003 — Crédit Agricole acquires Le Crédit Lyonnais (LCL)** — distinctive French banking expansion.

**2010 — Ma Banque app launches** as Crédit Agricole France retail-banking mobile app.

**2025 — 11M+ active Ma Banque users + May 2025 "coming balance" feature national deployment** <sup>[3][3]</sup>.

## Ownership & operator

**Operating entity**: **Crédit Agricole S.A.** (Euronext Paris: ACA); **Crédit Agricole Group** = Crédit Agricole S.A. + **39 Regional Banks (Caisses Régionales)** + Local Banks (Caisses Locales).

**Major shareholders**: **Federation of Crédit Agricole cooperative banks (via SAS Rue La Boétie holding company; controlling) + various French institutional + Euronext Paris public float**.

**Regulators**: **ACPR (Autorité de contrôle prudentiel et de résolution; Banque de France)** + **AMF (Autorité des marchés financiers)** + **ECB**.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | Ma Banque app (iOS + Android; FR retail-banking primary mobile channel; 11M+ active users) + Crédit Agricole Online Banking + Crédit Agricole cards (Visa + Mastercard) + Crédit Agricole branch network (39 Regional Banks; CA + LCL combined extensive French presence) |
| **Identifiers** | Phone + email + card number + IBAN |
| **FR + EU rails** | **SEPA Instant Credit Transfer** (EU SEPA Instant) |
| **License** | Cooperative bank (Crédit Agricole full European banking license; one of world's largest cooperative banking groups) |
| **Sub-products** | Crédit Agricole Account + Cards + Crédit + Assurances + Investments + Indosuez Wealth Management + Crédit Agricole CIB + Amundi (asset management; world's largest European asset manager) + LCL (Le Crédit Lyonnais subsidiary) + CACEIS (asset servicing) |
| **Distinctive 2025 May "coming balance" feature**: National deployment of solde à venir (pending operations estimate including scheduled withdrawals) |

## Users & growth

**2025 baseline** <sup>[1][1], [3][3]</sup>:
- **11M+ active Ma Banque users**
- **554K iOS reviews + 4.6/5 rating + ranked #7 in app stores**
- **May 2025**: "Coming balance" (solde à venir) feature national deployment across all 39 Regional Banks
- **France's largest cooperative bank**
- **Multi-country presence**: 28+ countries

## Use cases

French + multi-country retail + corporate + investment + wealth-management + insurance + asset-management via Ma Banque + Crédit Agricole Online + cards + branches (CA + LCL combined extensive French presence); SEPA Instant; Crédit Agricole Assurances + Indosuez Wealth Management + CACEIS asset servicing + Amundi asset management (world's largest European asset manager) + Crédit Agricole CIB; cooperative banking structure with social shares.

## Implementations & partners

**Operator**: **Crédit Agricole S.A.** (Euronext Paris: ACA); Crédit Agricole Group = Crédit Agricole S.A. + 39 Regional Banks + Local Banks.

**Major shareholders**: **Federation of Crédit Agricole cooperative banks (via SAS Rue La Boétie holding company; controlling) + French institutional + Euronext Paris public float**.

**Major French banking competitors**:
- **[BNP Paribas Mes Comptes](https://docs.barcoder.ai/docs/wallets/bnp-paribas)** (BNP Paribas; eurozone's largest bank by assets; Mes Comptes app; 40+ countries)
- **[L'Appli SG (Société Générale)](https://docs.barcoder.ai/docs/wallets/societe-generale)** (Société Générale; FR Big-4; L'Appli SG)
- **BPCE Group** (Banque Populaire + Caisse d'Épargne; French cooperative banking group; another FR cooperative competitor)
- **Crédit Mutuel** (FR cooperative banking; another FR cooperative competitor)
- **La Banque Postale** (FR state-owned postal bank)
- **HSBC France** + **ING France** + **Boursorama (Société Générale digital bank)** + **Fortuneo (Crédit Mutuel Arkéa digital bank)** + **Hello bank! (BNP Paribas digital bank)**
- **Lydia** (Batch 27 covered; FR P2P)

**Crédit Agricole subsidiaries**: LCL (Le Crédit Lyonnais) + Crédit Agricole Assurances + Indosuez Wealth Management + Crédit Agricole CIB + Amundi (asset management) + CACEIS (asset servicing).

**Regulators**: **ACPR + AMF + ECB**.

## Fun facts

- **One of the world's largest cooperative banking groups** + **France's largest cooperative bank**.
- **1885 founding as French agricultural cooperative banking system** — distinctive French agricultural cooperative banking heritage.
- **39 Regional Banks (Caisses Régionales)** own Crédit Agricole S.A. via Federation — distinctive cooperative banking structure where clients can participate via social shares.
- **2001 Crédit Agricole S.A. IPO** on Euronext Paris — IPO of central body owned by 39 Regional Banks.
- **2003 Crédit Agricole acquires Le Crédit Lyonnais (LCL)** — distinctive French banking expansion.
- **11M+ active Ma Banque users** + **554K iOS reviews** + **4.6/5 rating** + ranked **#7 in app stores**.
- **May 2025**: "Coming balance" feature national deployment.
- **Amundi subsidiary** — world's largest European asset manager.
- **Multi-country presence**: 28+ countries.

## Comparison

| Feature | Crédit Agricole Ma Banque | [BNP Paribas Mes Comptes](https://docs.barcoder.ai/docs/wallets/bnp-paribas) (Eurozone's largest bank by assets rival) | [L'Appli SG (Société Générale)](https://docs.barcoder.ai/docs/wallets/societe-generale) (FR Big-4 rival; L'Appli SG) | BPCE Group (FR cooperative banking group rival) | [Lloyds Bank (Lloyds Banking Group)](https://docs.barcoder.ai/docs/wallets/lloyds-bank) (UK's largest retail by customers comparable) |
|---|---|---|---|---|---|
| Operator | **Crédit Agricole S.A. (Euronext Paris: ACA; Federation of Crédit Agricole cooperative banks via SAS Rue La Boétie controlling + French institutional + Euronext public float; 39 Regional Banks + Local Banks)** | BNP Paribas S.A. (Euronext Paris: BNP; widely held: BlackRock + Vanguard + SFPI Belgian government + French institutional + Euronext float) | Société Générale S.A. (Euronext Paris: GLE; widely held) | BPCE Group (Banque Populaire + Caisse d'Épargne; FR cooperative) | Lloyds Banking Group plc (LSE: LLOY; widely held + LSE float) |
| Type | **FR cooperative bank + 11M+ active Ma Banque users + 39 Regional Banks + LCL subsidiary + Amundi world's largest European asset manager** | Eurozone's largest bank by assets + BNP Paribas Retail Banking France 6.9M+ + 40+ countries + Hello bank! + Cetelem + Cardif | FR Big-4 + L'Appli SG 100M+ connections + 3.5M monthly | FR cooperative banking group (Banque Populaire + Caisse d'Épargne) | UK's largest retail by customers + 26M customers + 20% UK retail market share |
| Country | FR + 28+ countries | FR + 40+ countries | FR + 60+ countries | France | UK primary |
| Users | **11M+ active Ma Banque users; 554K iOS reviews + 4.6/5 rating + ranked #7 in app stores** | 6.9M personal + private banking + 300K professional + 250K micro-enterprise; #1 among network banks + #3 overall in France (Mes Comptes 2025) | 100M+ L'Appli SG connections + 3.5M monthly users | Major FR cooperative | 26M customers; 21M+ mobile app users + 6B+ annual logons |
| Distinctive | **1885 French agricultural cooperative banking heritage founding; 39 Regional Banks (Caisses Régionales) own Crédit Agricole S.A. via Federation; social shares cooperative banking participation; 2001 IPO; 2003 LCL acquisition; May 2025 "coming balance" feature national deployment; Amundi subsidiary world's largest European asset manager** | 1848 CNEP + 1872 Paribas predecessor founding; 2000 BNP + Paribas merger; eurozone's largest bank by assets; Hello bank! digital + Cetelem + Cardif + Arval | FR Big-4; L'Appli SG co-construction with hundreds of users; biometrics + mobile payment + cashback + instant transfers | FR cooperative (Banque Populaire + Caisse d'Épargne) | 1765 Birmingham Quaker founding; multi-brand (Halifax + Bank of Scotland + Scottish Widows) |

## Status

**Active, one of the world's largest cooperative banking groups + France's largest cooperative bank** <sup>[1][1], [2][2]</sup>:
- **Crédit Agricole S.A. (Euronext Paris: ACA)** since 1885 (French agricultural cooperative banking heritage) / 2001 (Crédit Agricole S.A. IPO).
- **11M+ active Ma Banque users + 554K iOS reviews + 4.6/5 rating + ranked #7 in app stores**.
- **May 2025**: "Coming balance" feature national deployment.
- **39 Regional Banks (Caisses Régionales)** own Crédit Agricole S.A. via Federation.
- **LCL + Amundi (world's largest European asset manager) + Indosuez Wealth Management + Crédit Agricole CIB + CACEIS** subsidiaries.
- **Multi-country presence**: 28+ countries.
- **ACPR + AMF + ECB regulated**.

## Sources

[1]: https://www.credit-agricole.fr/particulier/applications/ma-banque.html "Appli Ma Banque — Crédit Agricole"
[2]: https://www.moneyvox.fr/banque/actualites/103779/credit-agricole-une-nouveaute-pratique-pour-les-11-millions-utilisateurs-de-ma-banque "Crédit Agricole nouveauté pratique pour 11M utilisateurs de Ma Banque — MoneyVox"
[3]: https://www.creditagricole.info/articles/application-ma-banque-toutes-les-informations-a-portee-de-main/ "Application Ma Banque — Crédit Agricole info"
[4]: https://www.comparateurbanque.com/comparatif-banque/banques-traditionnelles/credit-agricole-maj-app-mabanque/ "Crédit Agricole nouveauté de l'app Ma Banque — ComparateurBanque"
[fr-cro]: https://docs.barcoder.ai/docs/payments/FR

- [1] [Appli Ma Banque — Crédit Agricole][1]
- [2] [Crédit Agricole nouveauté pour 11M utilisateurs Ma Banque — MoneyVox][2]
- [3] [Application Ma Banque — Crédit Agricole info][3]
- [4] [Crédit Agricole nouveauté app Ma Banque — ComparateurBanque][4]
- <sup>[France report](https://docs.barcoder.ai/docs/payments/FR)</sup> In-corpus: `reports/countries/FR-france.md`

## Source

Biography extracted from [credit-agricole.md](https://docs.barcoder.ai/source/wallets/credit-agricole). See `matrix.md` for standards-support matrix if present.