Account opened in under ten minutes and my card arrived three days later. Nothing to complain about.
Online and in-branch banking
The bank that follows you,
The bank that follows you,
from your first card
to your first home.
Accounts, credit, savings and insurance built around a single ambition: helping you move forward. No hidden fees, no jargon, and a dedicated advisor whenever you need one.
4,6 / 5 on Trustpilot
•
1,4 M individual customers
•
100% digital, available 24/7
What you'll find at CALP BANK
Three commitments kept, day after day.
A bland promise commits no one. Here is what we measure and publish every quarter.
0 €
Account maintenance fees
No monthly fee on the Essential plan. Debit card, SEPA withdrawals and unlimited transfers included.
2 h
Guaranteed credit response
Indicative decision within 2 business hours for any personal loan application up to €75,000.
142
Branches across the country
An advisor you can actually meet. Not a chatbot, not a faceless call centre.
Our universe
One bank, four needs, a single app.
Our offer works like a library: pick what's useful to you, leave the rest.
Accounts & cards
Fee-free current account, debit or credit card, limits adjustable in seconds, mobile payments.
DiscoverSavings & investments
Savings account, multi-fund life insurance, equity plan, home-savings plan. Clear yields, no fine print.
DiscoverCredit
16 financing solutions from €500 to €1.5M. Instant simulation, answer within 48 hours.
DiscoverInsurance
Auto, home, health, life, borrower. Quote in under 4 minutes, no commitment.
DiscoverProfessionals
Pro account, payment terminals, working-capital loans, vehicle and equipment leasing.
DiscoverWealth & succession
Wealth advice, gifting, succession engineering. From €250,000 in assets under management.
Discover
Personal loan
One project, one simulation,
One project, one simulation,
one clear answer.
From €1,500 to €75,000, over 12 to 84 months. Fixed APR from 3.9%, with no arrangement fees on online applications.
- Immediate indicative decision — never more than 2 hours on business days
- No early-repayment penalty up to €10,000 per year
- Electronic contract signature — 14-day legal cooling-off period
Personal loan simulator
Desired amount
Duration
months
2 months
400 months
Indicative monthly payment
/ / month
Fixed APR
A loan commits you and must be repaid. Check your ability to repay before committing.
Open an account
Your account opened in three steps.
Everything is done online, with no appointment. Allow less than ten minutes from form to signature.
01
Fill in your profile
A few identity and contact details are enough to get started. No commitment at this stage.
02
Verify your identity
An ID document and proof of address, uploaded online. Verification is completed within 24 business hours.
03
Activate your account
Your IBAN is available immediately. Your card is shipped as soon as your file is approved.
They trust us
What our clients say.
More than 200,000 clients supported every day, with an average rating of 4.6 out of 5.
My advisor actually replies, and quickly too. It makes all the difference day to day.
No hidden fees: what I read is exactly what I pay every month.
Car loan approved in 48 hours, with no endless paperwork. Seriously impressive.
The app is clear and fast, even for my international transfers.
I consolidated my loans here and my monthly payment dropped noticeably.
The savings account finally earns something, and the money stays available.
My mortgage application was guided every step of the way, from the file to the signing.
Customer service available on Saturdays: it has saved me more than once.
Elegant premium card with travel insurance included: excellent value for money.
Instant transfers and limits I can adjust in a single tap from my phone.
Switching from my old bank took just one day, with no interruption.
Complete transparency on rates: no nasty surprises on my statement.
The loan simulator is accurate; the amount approved matched the estimate.
Savings, insurance and current account all in one place: real peace of mind.
Opening a business account was very simple, and my business got going right away.
Top-rated app: thoughtful design and genuinely useful notifications.
A patient advisor took the time to explain every line of the contract.
Funds released quickly after approval, exactly as promised.
I recommend them for the professionalism and responsiveness, rare in a bank these days.
Frequently asked questions
The questions we hear most often.
01
How long does it take to open a CALP BANK account?
On average 8 minutes online, with no mandatory appointment. Card sent within 3 business days, IBAN usable immediately.
02
Can I keep my current account number during the switch?
Yes. During the switch, your existing account number stays active. Our banking mobility service automatically notifies your creditors and employer of the new account details, and transfers your recurring direct debits and incoming payments within 22 days, in line with regulations.
03
How does the 2-hour credit response work?
Any application submitted on a business day between 8 a.m. and 6 p.m. receives a preliminary response by email within 2 hours. Your file is assessed by a scoring algorithm and then reviewed by a credit analyst. The final decision depends on the supporting documents provided.
04
How do I contact my dedicated advisor?
Your CALP BANK advisor is available by phone Monday to Friday from 8 a.m. to 8 p.m. and Saturday from 9 a.m. to 6 p.m., via secure chat in the app, or via in-app messaging with a guaranteed response within 4 business hours.
05
What types of loans does CALP BANK offer?
Fifteen loan families: personal, home, car, home-improvement, consolidation, mortgage, bridging, revolving, student, professional, microcredit, car leasing, travel, home upgrade and consumer credit. Each has its own simulation, its own rates and its own terms, shown in full before you apply.
06
Is my personal data protected?
All your data is encrypted in transit (TLS 1.3) and at rest (AES-256), stored on servers hosted within the European Union. No information is ever sold or used for advertising. You can export or delete your data at any time from your customer area, in accordance with the GDPR.
07
Are there any hidden fees on CALP BANK accounts?
None. The current account has no maintenance fees, the standard card is included, and SEPA transfers, euro-zone payments and euro-zone withdrawals are free. Only à la carte services (card blocking, non-euro-zone withdrawals, international transfers) are billed according to a public price list available at any time in the app.
Ready to join us?
Open your account today.
Open your account today.
Be banking by tomorrow.
A card, an IBAN, an app. And a dedicated advisor from age 18.
