Oney
“Can a bank-licensed European BNPL specialist become the embedded credit and insurance layer for large retail merchants across multiple European markets?”
Founded1983
HQFrance
Total raised$10M
Latest roundMerger / Acquisition, 2021
IndustryFintech / Lending
The story
Oney is the BNPL and instalment payment arm originally built within the Auchan retail group, operating as a licensed bank (Oney Bank S.A.) across Europe. The company has expanded beyond its French retail roots to offer white-label BNPL and credit line solutions (3x, 4x, revolving credit) to merchants across France, Spain, Portugal, Italy, Belgium, Romania and the Netherlands. More recently Oney has extended into embedded insurance through its Malta-based insurance entities and is positioning itself as a merchant-facing embedded finance partner rather than a consumer brand.
Product timeline
2024
Oney Bank's developer portal publicly available with documentation for BNPL, credit line, and pay later products.· lending
2025
Oney Insurance and Oney Servicios Financieros partner with Habit to launch embedded insurance for Deporvillage in Spain.· insurance
Regulated entities
Bank
EU (France)
Oney Bank S.A.
Insurance
EU (Malta)
Oney Insurance (PCC) Limited
Insurance
EU (Malta)
Oney Life (PCC) Limited
The stack
Lending
Accounting gap: none