Anytime
“Can a small-business neobank survive corporate parentage changes by becoming an embedded-finance distribution layer for larger banks?”
Founded2014
HQFrance (with Anytime Romania subsidiary)
IndustryFintech / SMB banking
The story
Anytime started in 2014 as an independent French neobank for SMBs and freelancers. Orange Bank acquired it in 2020 to bolt SME banking onto the telco-fintech strategy, expanding the product from accounts/payments into expense management. When Orange announced its retreat from banking, Anytime was carved out — Orange entered exclusive talks with cooperative bank Crédit Coopératif in May 2025. Meanwhile Anytime's Romanian arm has begun distributing embedded insurance through banking partners (BRD/SocGen), signaling a shift toward B2B2C embedded finance distribution.
Product timeline
2014
Anytime founded in France offering financial services for SMBs, self-employed, start-ups and charities.· banking
2020
Acquired by Orange Bank (subsidiary of Orange Group) to broaden SME services.· acquisition
2025
Orange Bank announces exclusive discussions to sell Anytime to Crédit Coopératif, targeting close by end of 2025.· acquisition
2026
Anytime Romania partners with BRD Groupe Société Générale to embed motor insurance into the YOU BRD app.· banking
The stack
0 layers disclosed in Anytime’s embedded-finance stack
Accounting gap: none