Fortuneo
Crédit Mutuel Arkéa's online bank.
- Who holds it
- The company itself — it holds a full banking licence — Crédit Mutuel Arkéa banking license (ACPR, France); brand of the group's online bank.
- The ledger
- The bank’s own core ledger.
- If it fails
- A covered-deposit payout through the local scheme, up to its limit.
Derived from Fortuneo’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | traditional |
| HQ | Brest, FR |
| Founded | 2000 |
| Custody | Custodial |
| Regulation type | Licensed bank |
| License detail | Crédit Mutuel Arkéa banking license (ACPR, France); brand of the group's online bank |
| Card | MC · Debit + credit |
| Yield | Savers + brokerage |
| Stablecoins | No |
| KYC | Yes |
| Active regions | Europe |
Verified links: official site ↗
Common questions about Fortuneo
What is Fortuneo?
Fortuneo is a fiat neobank, headquartered in Brest, FR and founded in 2000. Your money is held custodially, so Fortuneo or its partner bank holds the balance and you hold a claim on it. It is regulated as a licensed bank (Crédit Mutuel Arkéa banking license (ACPR, France); brand of the group's online bank).
Does Fortuneo have a card, and where can you use it?
It issues a Mastercard debit and credit card. It is available in Europe.
Does Fortuneo require KYC?
Yes. Fortuneo requires identity verification (KYC) to open an account, as a licensed bank.
What does Fortuneo cost?
From the verified fields: yield Savers + brokerage. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Fortuneo before relying on them.
Peers
Monzo · Wise · Starling Bank · Atom Bank · Zopa Bank · Chase UK
Fortuneo appears in
Neobanks that hold their own banking license (132) · Neobanks available in Europe (144) · Neobanks that issue a Mastercard (150) · Neobanks in France (11)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.