“Can a professional-services conglomerate (accounting + legal + IT + security) use a captive bank to become the single financial operating partner for French TPE/SME owners?”
Founded in 1970 as a multi-disciplinary professional services group serving small businesses, FIDUCIAL expanded over decades to include accounting, legal, IT, security, and banking services. The banking arm — Banque FIDUCIAL — operates under two brands (FIDUCIAL Banque for growth-stage professionals, Themis Banque for restructuring situations) and focuses exclusively on the SME/TPE segment, positioning banking as an integrated layer within the broader FIDUCIAL professional-services ecosystem. A 2025 core-banking transformation partnering with SBS marks a modernisation push.
Fiducial Banque discloses Banque FIDUCIAL SA (in-house) as its banking provider, according to the Embedded Finance Index 2026.
Fiducial Banque does not disclose a bank charter of its own; its banking services are provided through Banque FIDUCIAL SA (in-house).
Fiducial Banque moves money over SEPA.
Fiducial Banque's cards are issued through Banque FIDUCIAL SA (in-house) on the Visa network.
Fiducial Banque's lending and capital products are provided by Banque FIDUCIAL SA (in-house).
Fiducial Banque integrates with eWinfic (FIDUCIAL own accounting software).
The Embedded Finance Index 2026 maps 6 layers in Fiducial Banque's stack: Money movement (SEPA); Banking / BaaS (Banque FIDUCIAL SA (in-house)); Card issuing (Banque FIDUCIAL SA (in-house)); Card network (Visa); Lending (Banque FIDUCIAL SA (in-house), Crédit de trésorerie (working capital / treasury credit), Financement professionnel (professional financing), Réduction des délais de paiement (receivables / invoice financing) and 1 other); Accounting (eWinfic (FIDUCIAL own accounting software)).
Fiducial Banque was founded by Christian Latouche and is founded in 1970, headquartered in La Défense (Courbevoie), France.
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