France
BforBank
Crédit Agricole’s online bank. ACPR credit institution. FGDR. French IBAN, bank code 16218.
7.1Solid
activeNeobank
- HQ
- Paris
- Fee
- BforBASIC often €0 — confirm live; paid SKUs exist
Be-bunk
Franco-Pacific payment account. Xpollens (BPCE EMI). Not a bank. Not FGDR.
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6.2Mixed
AlternativesFive questions
At a glance
Is it a bank?
No. Be-bunk is not a bank. Your money sits with Xpollens (BPCE Payments) — EMI, not a bank.
If it fails?
Not FGDR. Xpollens is an EMI; client funds are safeguarded, not deposit-insured. Be-bunk is the brand, Xpollens is the account-holding entity.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Inclusion SKU — confirm live
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
6.2
/10 · Mixed
Be-bunk is BEBUNK SAS. The account sits at Xpollens, a BPCE EMI on Banque de France CIB 51680. That is a payment account, not a French retail bank. FGDR does not follow. Useful in Nouméa. Useless as a second FGDR pot next to a Crédit Agricole salary account.
What it is
Leïla Boufeneche, 2022. 39 Rue de Verdun, Nouméa, plus a Paris RCS. Xpollens white-labels the ledger. Metropolitan France is accepted as an address; the product is Pacific. This desk will not upgrade an EMI because the homepage says néobanque.
Best for: People with a postal address in New Caledonia, French Polynesia, Wallis-et-Futuna or metropolitan France who need a payment account, not FGDR.
Last checked 2026-08-28. Not advice.
What it does well
- +Named EMI (Xpollens / BPCE)
- +Fills a Pacific gap
- +No-overdraft stance is explicit
- +French IBAN rails
What to watch
- −Not a bank
- −Not FGDR
- −Tiny balance sheet
- −Directories say néobanque
Who holds the money
The account
- Platforms
- iOS · Android
- Account types
- XPF / EUR payment account
- Partner bank
- Xpollens (BPCE EMI, CIB 51680)
- Minimum balance
- €0 / XPF 0
- Lowest monthly fee
- Inclusion SKU — confirm live
- Who can open
- New Caledonia, French Polynesia, Wallis-et-Futuna, metropolitan France
- Availability
- France / Franco-Pacific
How money actually moves
- Who holds the cash
- E-money / stored-value — not a bank deposit
- How money moves
- IBAN / SEPA
- Built for
- Personal
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- Be-bunk lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Not FGDR. Xpollens is an EMI; client funds are safeguarded, not deposit-insured. Be-bunk is the brand, Xpollens is the account-holding entity.
Who holds the money: Xpollens (BPCE Payments) — EMI, not a bank
- Banque de France / ACPR (via Xpollens)Payment account via Xpollens (BPCE EMI, CIB 51680). BEBUNK SAS, Paris RCS 892 121 559 · France / New Caledonia / French Polynesia
Fees
- Monthly
- Inclusion SKU — confirm live
- FX markup
- XPF/EUR is the home corridor
- ATM
- Card-dependent
Features
- ✓IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- XPF + EUR payment account
- New Caledonia / French Polynesia / Wallis
- Mastercard
- App
- No overdraft pitch
Score
- Safety25%
- 5.8
- Fees20%
- 7.2
- Features15%
- 6.4
- App15%
- 6.8
- Global15%
- 4.2
- Support10%
- 6.6
Change log
Full logLicence
Xpollens EMI payment account, not FGDR
BEBUNK SAS. New Caledonia / French Polynesia / Wallis. Banque de France CIB 51680 via Xpollens.
Available in
Straight answers
FAQ
01Is Be-bunk a bank?
Be-bunk is not a licensed deposit-taker in the classic sense. Money, if any, sits with Xpollens (BPCE Payments) — EMI, not a bank.
02How is money protected?
Not FGDR. Xpollens is an EMI; client funds are safeguarded, not deposit-insured. Be-bunk is the brand, Xpollens is the account-holding entity.
03Where is Be-bunk available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Be-bunk.
04Card and wallets?
Be-bunk lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Be-bunk remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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