Security & compliance

Your data,
our obsession

Bank-grade security, European compliance, legal protection of funds. Neobank Loans applies the highest standards in financial services.

Certifications & licences
ACPR
Licence n° 17642 — Payment institution
ORIAS
Registration n° 21 003 542 — IOBSP
GDPR
Data hosted in the EU (France & Germany)
ISO 27001
Information Security Management System
PCI-DSS
Level 1 — Payment security
AFEPAME
Consumer mediation
How we protect you

4 pillars of security

End-to-end encryption

TLS 1.3 in transit, AES-256 at rest. Your data is unreadable, even in case of network intrusion.

Strong authentication (2FA)

Free two-factor authentication via SMS or app (Google Authenticator, Authy).

Fund protection

Your funds are segregated with our banking partner (CACEIS), licensed by the Banque de France.

AI fraud detection

Our scoring system analyses every operation in real time to flag any suspicious activity.

Our security process

24/7 monitoring

Our SOC monitors the infrastructure continuously, 365 days a year.

Independent audits

Yearly audits by third-party firms (Deloitte, Mazars) and quarterly penetration tests.

Business continuity

Real-time replication across two cloud regions. RPO < 5 min, RTO < 30 min.

Continuous training

Every team member completes mandatory cyber-security training 4 times a year.

Found a security issue?

Our security team thanks you. Send us a confidential email — we reward responsible disclosures.

Report a vulnerability