Excellence is
our heritage.
Civio Bank was born from a simple vision: combine the solidity of traditional banking institutions with the agility of Europe's best fintechs to deliver a banking experience worthy of your ambitions.
25k+
Active clients
150M€+
Financed in 2025
4.9/5
Customer satisfaction
48h
Average disbursement
More than a
a life partner.
Founded in 2026, Civio Bank was designed to break the codes of an industry often seen as rigid. We believe every project deserves attentive listening and an ultra-personalised financing solution.
Our platform combines artificial intelligence, regulatory compliance and human expertise to deliver fast, transparent and responsible lending decisions. From online simulation to disbursement, we simplify every step.
Licensed and regulated
Under the supervision of the ACPR and the ECB
The milestones of our growth..
Project genesis
Founding team assembled and vision defined: a premium, human and transparent digital bank.
Strategic funding
Fundraise from European investors and obtainment of the first regulatory approvals.
Public launch
Civio Bank opens to the public with instant loans, premium accounts and a mobile app.
Experts at your service..
Alexandre Martin
Chief Executive Officer
Sarah Lefebvre
Head of Credit
Thomas Bernard
Chief Technology Officer
Marie Dubois
Head of Customer Relations
Our Core Values
Transparency
No hidden fees, no unreadable small print. Clarity is our contract with you.
Speed
Your time is precious. We answer in 5 minutes and disburse funds within 48 hours.
Accessibility
We democratise access to credit for all profiles through a human-driven analysis.