France
activeFeaturedBusiness banking
- HQ
- Paris
- Fee
- Paid plans from a small monthly
L by LCL Pro
Crédit Lyonnais digital pro account. ACPR bank code 30002. FGDR. €9 HT. Not a startup charter.
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6.8Mixed
AlternativesFive questions
At a glance
Is it a bank?
Yes — Digital brand of Crédit Lyonnais (LCL) — bank code 30002, Crédit Agricole group (ACPR / Banque de France / ECB). Still read the entity on the statement.
If it fails?
FGDR up to €100,000 — L by LCL Pro is Crédit Lyonnais. Shared group cap with LCL / Crédit Agricole. Do not double-count.
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
€9 HT / month — waived for LCL individual clients on launch copy
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
6.8
/10 · Mixed
L by LCL Pro is Crédit Lyonnais in a January 2026 app. ACPR, bank code 30002, FGDR up to €100,000. The €9 HT pack is for auto-entrepreneurs, freelancers and SASU. LCL individual clients were pitched a waiver. Qonto is a payments firm. BforBank is CA’s other digital bank. This is LCL. Shared-group cap maths still apply. Keep reading the live tariff — launch pricing moves.
What it is
LCL is Crédit Agricole’s urban retail bank. The L skin is the 2026 answer to Shine and Qonto. Directories will call it a neobank. The register calls it Crédit Lyonnais. This desk writes the bank code.
Best for: French auto-entrepreneurs and SASU who want an LCL IBAN without a branch theatre.
Last checked 2026-08-30. Not advice.
What it does well
- +Named ACPR bank behind the brand
- +FGDR
- +Launch-priced for independents
- +Not Qonto’s EMI-shaped object
What to watch
- −France-resident / French entity
- −Shared FGDR cap with LCL
- −App launched Jan 2026 — still maturing
- −€9 HT is not free
Who holds the money
The account
- Platforms
- iOS · Android · Web
- Account types
- French professional current
- Partner bank
- Crédit Lyonnais (LCL), bank code 30002
- Minimum balance
- €0
- Lowest monthly fee
- €9 HT (launch waiver for LCL individuals — confirm live)
- Who can open
- French auto-entrepreneurs, freelancers, SASU
- Availability
- France
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- IBAN / SEPA
- Built for
- Business · Freelancer
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- L by LCL Pro lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
FGDR up to €100,000 — L by LCL Pro is Crédit Lyonnais. Shared group cap with LCL / Crédit Agricole. Do not double-count.
Who holds the money: Crédit Lyonnais (LCL)
- ACPR / Banque de France / ECBDigital brand of Crédit Lyonnais (LCL) — bank code 30002, Crédit Agricole group · France
Fees
- Monthly
- €9 HT / month — waived for LCL individual clients on launch copy
- FX markup
- Bank tariff
- ATM
- LCL / CA network
Features
- ✓IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- French pro IBAN
- Auto-entrepreneur / SASU / freelance
- E-invoicing 2026
- FGDR via LCL
- ACPR bank code 30002
Score
- Safety25%
- 8.6
- Fees20%
- 6.8
- Features15%
- 7.2
- App15%
- 7.0
- Global15%
- 3.2
- Support10%
- 7.2
Change log
Full logProduct
LCL launched L by LCL Pro
€9 HT digital pro. ACPR bank code 30002. FGDR via Crédit Lyonnais. Shared CA / LCL cap.
Available in
Straight answers
FAQ
01Is L by LCL Pro a bank?
L by LCL Pro holds a banking-style licence (ACPR / Banque de France / ECB). Still read the legal entity on the statement, not the app icon.
02How is money protected?
FGDR up to €100,000 — L by LCL Pro is Crédit Lyonnais. Shared group cap with LCL / Crédit Agricole. Do not double-count.
03Where is L by LCL Pro available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with L by LCL Pro.
04Card and wallets?
L by LCL Pro lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open L by LCL Pro 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.
Alternatives
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
activeFeaturedNeobankBusiness banking
- HQ
- London
- Fee
- Free personal