Crédit Agricole

Universal bank · Montrouge, France

Crédit Agricole is a French cooperative banking group of 39 regional banks, the listed Crédit Agricole S.A., the LCL retail network, the corporate bank Crédit Agricole CIB and the custodian CACEIS. It serves 55 million customers in 46 countries and calls itself the largest retail bank in Europe, with subsidiaries in Italy, Poland, Egypt and Ukraine. Business accounts are sold by each regional bank with tariffs that vary by region, from the Eko Pro entry offer at about 8 euros a month. Group CET1 was 17.2% at June 2026.

Legal name: Crédit Agricole S.A. (Groupe Crédit Agricole)
Regulated by: ECB/ACPR (France), AMF (France), PRA/FCA (Crédit Agricole CIB London Branch), Federal Reserve (Crédit Agricole CIB New York), OSFI (Crédit Agricole CIB Canada Branch), HKMA (Hong Kong branch), DFSA (Dubai DIFC branch)
Licence confirmed: yes, on a regulator's own list
Established: 1894
Website: www.credit-agricole.com

Scores, 0 to 10

9.5Europe (EU, EEA, Switzerland)

Home market France plus Crédit Agricole Italia, Crédit Agricole Bank Polska, a Cajamar partnership in Spain and the CA Savings platform in Germany; SEPA Instant native. · source

9.5Financial strength & stability

Group CET1 17.2% at June 2026, G-SIB bucket 2, and ratings of A+ (S&P), A1 (Moody's) and AA- (Fitch). · source

8.0Trade, manufacturing & import-export

Crédit Agricole CIB ranks among the top banks globally in export finance (Dealogic 2024) and offers trade finance, securitisation and working capital solutions through its international network. · source

7.5Stablecoins (USDC, USDT and others)

CACEIS issued EURXT in July 2026, a MiCA euro e-money token on Ethereum backed by cash on its balance sheet and first made available to CACEIS's institutional and corporate clients; one issuance is public so far and it runs in the subsidiary, not the retail bank. · source

7.0Cross-border payments, FX and multi-currency accounts

Crédit Agricole CIB offers global markets hedging and international transaction banking in 46 countries, but small business tariffs vary by regional bank and out-of-euro-zone payments are charged at regional rates. Crédit Agricole CIB's International Trade and Transaction Banking line serves large corporates across Europe, the Americas, Asia-Pacific and the Middle East from more than 35 sites. · source

6.0Latin America, Africa & South Asia

Retail banks in Egypt (Crédit Agricole Egypt) and Ukraine (Crédit Agricole Bank plus the agreed purchase of Bank Lviv in 2026) gained 160,000 international customers in Q2 2026. · source

6.0Crypto wallet and custody for a business

The group's asset servicing subsidiary CACEIS Bank holds a MiCA authorisation from the ACPR since June 2025 for custody, administration and transfer of crypto-assets, but it serves funds and other institutional investors; the regional banks and LCL offer no crypto wallet to ordinary companies, checked September 2026. · source

5.5Business cards (Visa, Mastercard)

The Crédit Agricole Carte Mastercard Business has an indicative EUR 2,300 monthly payment limit and EUR 500 weekly withdrawals, limits can be raised temporarily, and foreign currency withdrawals may carry a commission; the Propulse online account adds a Visa debit card. · source

5.0Fintech companies that need a partner bank

Crédit Agricole CIB provides a stand-alone guarantee covering part of Qonto's safeguarded client funds, but the group has no dedicated sponsor-bank offer for EMIs. · source

5.0Online businesses: e-commerce and SaaS

Regional banks sell card acquiring and e-commerce payment solutions through Crédit Agricole Cards & Payments, with no multi-currency collection or marketplace payout product. Propulse by CA is a 100 percent online professional account from EUR 8 a month with a card and management tools, but no API, USD receiving account or Stripe-type integration is published. · source

5.0On-ramp: buy crypto with fiat

The group sells no crypto to companies; a 2026 guide reports SEPA transfers from a regional bank to MiCA-authorised exchanges go through, with a call from the adviser above EUR 10,000, and the Atlantique Vendee regional bank refused a transfer to a bitcoin platform in a widely reported case; this is retail evidence only and no business policy is published. · source

5.0Bitcoin

CACEIS can hold and transfer bitcoin under its MiCA licence and is the custodian of the Amundi Bitcoin ETN listed in Paris since April 2026, but this serves institutions; the retail and business bank has no bitcoin product, and a CACEIS bid for the MiCA broker Meria was only in talks in July 2026. · source

4.5United Kingdom

Crédit Agricole CIB London Branch and Crédit Agricole S.A. London Branch are members of the Association of Foreign Banks and serve corporate and institutional clients only. · source

4.5United States

Crédit Agricole CIB operates in the Americas through its New York-based corporate and investment banking platform for large corporates and financial institutions. · source

4.5Asia-Pacific (SG, HK, AU, JP, KR)

Crédit Agricole CIB has branches in Hong Kong, Singapore, Tokyo, Shanghai and Seoul serving corporates and financial institutions; no SME banking. · source

4.5Lowest fees

Eko Pro starts at about 8 euros a month but standard pro tariffs are 17 euros a month plus 0.10% commission de mouvement, with formulas up to 41 euros a month. · source

4.5Fast digital onboarding

Digital onboarding via L by LCL Pro is accelerating in France, but capital deposit and account opening for companies are handled in branch. · source

4.5Startups & VC-backed companies

Startups are served as ordinary professionals; Eko Pro covers sole traders only and excludes any financing or overdraft. · source

4.5Ethereum

CACEIS's MiCA custody licence covers crypto-assets in general and it issues EURXT on Ethereum, but no ether custody or staking offer for companies is published, so evidence is thin. · source

4.0Canada

Crédit Agricole CIB (Canada Branch) is a Schedule III lending branch with offices in Montreal and Toronto for financial institutions and large corporates. · source

4.0Crypto-friendly bank

No public policy found on banking crypto businesses; the retail bank offers no crypto trading but allows SEPA payments to MiCA-authorised providers, and CACEIS serves institutions only. · source

4.0Foreign-owned & non-resident companies

Card and account approval sits with the applicant's regional Caisse, and the Propulse online account opens in 5 minutes for French professionals; no path for owners living abroad is published. · source

4.0Off-ramp: crypto to fiat in a business account

No Credit Agricole process for receiving exchange proceeds into company accounts is published, and Capital reported a regional bank refusing to execute a transfer to a bitcoin platform; evidence is thin and dated. · source

3.5Middle East & Gulf

Crédit Agricole CIB has a Dubai (DIFC) branch for wholesale clients; no local retail or free-zone SME onboarding. · source

3.5Best interest on business balances

Business current accounts pay no interest; surplus cash goes into term deposits or savings accounts sold by each regional bank. · source

3.5Customer satisfaction

Trustpilot 2.1 out of 5 from 4,525 reviews (September 2026); business reviewers cite the inability to make foreign-currency tax transfers online. · source

3.5High-risk verticals (iGaming, cannabis, adult, forex)

No published policy on gambling, adult, cannabis or forex clients was found on the group or professional pages opened today. · source

1.0Accept crypto payments

No merchant crypto or stablecoin acceptance was found in group or CACEIS announcements; EURXT's first use in July 2026 was settling a tokenised fund subscription, not checkout payments, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.