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With Bankin’, it will be much easier to manage your money. |
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Bankin’ is a European company, created in 2011. Our mission is to make money management simple and accessible. Several million users in Europe have already chosen to trust us. |
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The Bankin’ Coach provides you with helpful advice, based on your Data. For example, we will only advise you to re-negotiate your property loan if you seem to be eligible. |
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We are authorized and regulated by European Union, and are one of the select companies that have been granted the authorization required to operate as a Payment Institution. We also respect the General Data Protection Regulation. |
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Your bank cannot prevent you from using our services. You remain insured against theft of your means of payment. |
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Your bank data belongs to you. You can cancel your subscription, delete these or limit the scope of the service at any time. You remain in control of your information. |
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Please note that use of the Bankin' Services via the Bankin application or the bankin.com website implies your unreserved acceptance of these General Terms and Conditions of Use and Service. |
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the Account Information Service and the Aggregation Service covering Other Assets (hereinafter, the ‘Account Checking Feature’); |
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the Payment Initiation Service and the Withdrawals from Other Assets Service (hereinafter, the ‘Transfer Feature’); |
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the advisory service, which gives tips on good money management practices (hereinafter, the ‘Coach’); and |
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additional features that are not included with the basic services previously mentioned, available to the User on a subscription basis (‘Premium Services’). |
Account | Means any payment account held by an Account Servicing Payment Service Provider, which corresponds to the definition contained in Article L. 314-1 II of the French Monetary and Financial Code (“Code monétaire et financier” in French). |
Account Information Service | Means the account information service referred to in subsection 8 of Article L. 314-1 of the French Monetary and Financial Code, that provides consolidated information on the Accounts held with one (or several) Account Servicing Payment Service Provider(s). |
Account Servicing Payment Service Providers | Means the payment service providers authorized to operate in a European Union Member State that issue Authentication Data to be used to view payment accounts, and in some cases Other Assets, online |
Aggregation Service | Means the Service that consolidates information on Other Assets within the User Account. |
Authentication Data | Means the user names and corresponding passwords, and in certain cases the secure authentication protocol, issued by a Service Provider and used by a User to log in to his/her payment Accounts and Other Assets online and/or to the payment Accounts and Other Assets belonging to third parties (legal entities, protected third parties, persons for whom the User is authorized to act) who have authorized access. In some cases, the Service Provider may consider said data to be sensitive payment data. |
Bankin’ Application or Application | Means the mobile application published by Perspecteev under the Bankin’ brand. |
Bankin’ Services or Services | Means all the services offered by Perspecteev: Account Information Service; Aggregation Service; Payment Initiation Service; Withdrawals from Other Assets Service; Premium Services and the Coach. |
Data | Means all the User’s data which includes the data relating to the User’s Accounts and Other Assets, the data accessible from the interfaces provided by the Account Servicing Payment Service Provider, as well as the data defined below (Access Data, Identification Data, Personal Data). |
GTCU | Means these General Terms and Conditions of Use of the Bankin’ Services, entered into by Perspecteev and each User. |
Identification Data | Means the data used by the User to access his/her User Account, consisting of an e-mail address and a password. |
Other Assets | Means all the financial assets, savings and banking products (including credit facilities) that Users can access online using Authentication Data supplied by a Service Provider. |
Payment Initiation Service | Means the payment initiation service referred to in subsection 7 of Article L. 314-1 of the French Monetary and Financial Code, which the User can use to initiate a payment order with respect to an Account held with a Service Provider. |
Personal Data | Means all personal information concerning a User, who is a natural person whose identity has been or can be established, directly or indirectly, by reference to an identification number or to one or more details specific to that person. |
Premium Services | Means the Bankin’ Pro or Bankin’+ subscription offers available to the User in his/her User Account. |
Security Code | Means the 6-digit code chosen by the User to use the Transfer Feature and/or to open the Application with the settings selected by the User. |
Service Providers | Means (i) the Account Servicing Payment Service Providers, and (ii) any company other than an Account Servicing Payment Service Provider that issues Authentication Data to be used to view Other Assets online. |
User Account | Means the User’s dedicated area in the Bankin’ Application or on the Website. |
User or You | Means the natural person who entered into these GTCU and holds the Authentication Data. |
Website | Means www.bankin.com. |
Withdrawals from Other Assets Service | Means the service that the User can use to initiate a withdrawal order with respect to the Other Assets held with a Service Provider. |
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A valid official identity document with photo (ID card or passport); |
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Proof of address issued within the last (3) three months (e.g.: energy, gas, water, fixed telephony or internet bill; last tax notice); |
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Any other documentary proof of your identity (driving license, social security card, resident’s permit, birth certificate issued within the last three (3) months); and/or |
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Any other official identity document that constitutes additional proof of your identity, confirming the first document. |
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indicate the amount to be transferred; |
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select the Account (or Other Asset) for which You have previously registered the Authentication Data, from which You wish to debit the funds; |
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select the beneficiary account from the accounts You have previously registered with the selected Service Provider; |
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confirm all the above information (amount, account to be debited, beneficiary account) in order to proceed to the next step; |
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if this is the first time that You are submitting a transfer request for the selected Service Provider, You must supply the Authentication Data (password only) for said Service Provider (for all subsequent payment initiation requests, You will proceed directly to the next step); |
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enter your Security Code (or use any other method You have selected). Entry of your Security Code (or use of the other method) evidences your irrevocable confirmation of the transfer request; |
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if the Service Provider’s authentication protocol requires other personal security data, You must complete the procedure indicated by Perspecteev (for example, by inputting in your User Account a “one-time password” received by text message from the Service Provider). |
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Transaction reference number; |
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Debited Account or Other Asset; |
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Beneficiary; |
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Transaction amount; |
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Name, if available. |
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The funds will not be held by Perspecteev at any time; |
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Your Data will remain fully secure and will only be transferred for the purposes of the transfer request; |
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You will only be asked to supply the information strictly necessary to process the transfer request; |
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Data will not be used, viewed or stored for any purpose other than the transaction You have requested. |
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You validate all the characteristics of the transfer request (amount of the transaction, payment Account to be debited and transfer beneficiary); |
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You enter your Security Code (or use another method You have selected). |
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To suspend your User Account. In this case, the access to the Bankin’ Services may only be restored after You have effectively remedied the concerned breach(es); or |
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if the breach(es) is/are serious and/or repeated, to cancel the GTCU. This may include cases of misuse of Bankin' Services, but also any reason relating to anti-money laundering or terrorist financing. |
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a fault on your part; |
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your non-compliance with the GTCU; |
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access to your Identification Data by a third party authorized by yourself; |
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your fraudulent or unauthorized use of the Bankin’ Services; |
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your breach of the confidentiality of your Identification Data; |
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any interruption in or failure of the Bankin’ Services due to the malfunctioning of the Internet network, the telecommunication network or the computing network; |
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an inability to provide the Bankin' Services due to the unavailability of a connection with the Service Provider for reasons beyond Perspecteev’s control; |
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any error in the information displayed in your User Account, when said error is attributable to the Service Provider, as Perspecteev has no control over data concerning the Accounts/Other Assets that is accessible from the Service Provider; |
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the inaccuracy or non-compliance of the information, products or other content, including in particular the Data You provide, concerning your Accounts/Other Assets, budget, or financial situation, for which Perspecteev is not responsible; and/or |
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your use of the information or decision support tools made available to You via the Bankin’ Services, as You will retain full responsibility for your decisions. |
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To provide the Bankin’ Services and manage our Users; |
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To produce anonymous statistics; |
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Marketing campaigns and commercial prospecting implementation; |
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Customized offers; |
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Your opening of an account with a “Coach” partner of Perspecteev, directly from the Bankin' Application. Perspecteev may transfer your Personal Data to the concerned “Coach” partners, who may contact You directly to finalise the opening of the account; |
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Anti-fraud, -money laundering and terrorism financing. |
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To provide the Bankin’ Services & manage our Users: Customer support, refresh data, etc.; |
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Anonymous statistics: so our Services always best fit your needs; |
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Marketing campaigns and commercial prospecting implementation: we want to offer our Users the best opportunities so you can make smart decisions about your money and save money; |
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Customized offers: we want you to receive tailored-offers right for your situation (thus we won’t talk to you about mortgage renegotiation if you don’t have one); |
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Open a “Coach” partner account directly from the Bankin’ App: if you find our advice relevant, we want to make sure it only takes a few clicks to follow them; |
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Anti-fraud, -money laundering and terrorism financing: because it is an important matter. |