Fintch - La Banque, c'est vous

Fintch - La Banque, c'est vous revolutionizes personal finance by offering a fully accessible banking experience. Designed for inclusivity, this mobile-first platform eliminates traditional barriers like income requirements or minimum deposits. Users gain a French IBAN account, a Mastercard, and tools to send instant transfers, manage budgets, and participate in peer-to-peer lending. Fintch - La Banque, c'est vous prioritizes user control through real-time notifications, customizable card security, and a community-driven credit system. Whether borrowing funds or earning interest by lending to others, the app transforms banking into a collaborative, transparent process tailored to modern financial needs.  

French IBAN Account Accessibility  

To start, users download Fintch - La Banque, c'est vous and complete a streamlined KYC process via smartphone. The app instantly provides a French IBAN account, enabling direct deposits, employer payroll integration, and SEPA transfers. Account holders manage transactions through a unified dashboard, reviewing balances and categorizing expenses. Progression involves unlocking higher transaction limits by maintaining consistent account activity. This feature eliminates bureaucratic hurdles, making cross-border banking seamless for residents and non-residents alike.  

Real-Time Transfers and SMS Payments  

Fintch - La Banque, c'est vous simplifies money transfers. Users initiate payments by entering a recipient’s phone number, typing the amount, and confirming via biometric authentication. Transfers occur instantly, even to non-Fintch users, who receive an SMS link to claim funds. Recipients can deposit the amount directly into their bank account or reload a prepaid card. This frictionless system bypasses traditional IBAN requirements, ideal for splitting bills or sending emergency funds.  

Customizable Card Security Controls  

The app’s security hub lets users freeze/unfreeze their Mastercard, adjust ATM withdrawal limits, or change PINs instantly. For example, before traveling, cardholders might increase their contactless payment cap via sliders in the “Card Settings” menu. Transactions trigger real-time alerts, and suspicious activity locks the card automatically. Fintch - La Banque, c'est vous also supports 3D Secure for online purchases, adding layers of fraud prevention without disrupting checkout flows.  

Community-Driven Credit Solutions  

Fintch - La Banque, c'est vous integrates a peer-to-peer lending marketplace. Borrowers request €200–€2,000 loans, specifying repayment terms (1–24 months). Lenders fund these requests in increments as small as €10, earning interest based on risk tiers. Users track repayments through automated schedules, while the app handles collections. This circular economy empowers users to access credit without traditional credit checks or earn passive income by supporting others’ financial goals.  

Budget Tracking with Automated Categorization  

Every transaction in Fintch - La Banque, c'est vous is automatically sorted into categories like “Groceries” or “Utilities.” Users adjust labels, set monthly limits, and receive alerts when nearing thresholds. The “Insights” tab visualizes spending patterns through pie charts and trend graphs, helping identify savings opportunities. Over time, the app generates personalized reports, enabling data-driven adjustments to financial habits.  

Key Features  

- French IBAN account with no income/deposit requirements  

- Instant transfers via SMS or phone number  

- Peer-to-peer lending marketplace (€200–€2,000 loans)  

- Real-time card security controls (freeze, limits, PIN changes)  

- Automated budget categorization with spending insights  

- Mastercard with contactless payments and 3D Secure