Orange Bank
“Can a European telco carrier successfully operate a full-stack retail and SME bank — or is banking incompatible with the telco business model?”
Founded2017
HQMontreuil, France
IndustryFintech / Neobank
The story
Orange Bank was launched in 2017 as the mobile banking arm of French telecoms group Orange, expanding via the 2020 acquisition of Anytime to serve SMEs. By 2022 leadership churned (CEO Paul de Leusse departed; Stéphane Vallois took over) and by 2025 Orange had entered exclusive discussions to divest Anytime to Crédit Coopératif — reflecting a broader retreat from consumer/SME banking as part of Orange Group's strategy.
Product timeline
2017
Orange Bank launched in France as the mobile banking arm of Orange Group· banking
2020
Acquired Anytime, a French fintech for SME banking and expense management· acquisition
2025
Entered exclusive discussions to sell Anytime subsidiary to Crédit Coopératif· pivot
Acquisitions
Regulated entities
2
regulatory licences held by Orange Bank
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in Orange Bank’s embedded-finance stack
Banking / BaaS
Orange Bank SA (in-house)
Card issuing
in the full report
Card network
in the full report
Accounting gap: none
2 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.