L by LCL

About this app
L by LCL is a 100% digital banking offer with LCL's expertise, allowing you to manage your money independently from a mobile banking app.

Open an online bank account and manage your budget, expenses, payments, and savings from a single app.

OUR OFFERS
More agility, more convenience, more freedom…
Discover our offers and find the one that's right for you:
The L Offer:
The Basic, simple, and effective.
Get a bank account, a virtual card, and access to your banking services for €0/month.
A physical card is optional.
The XL Offer:
For more convenience without breaking the bank.
With a bank account and an XL card with included assistance, higher spending limits, and L’Protect insurance that goes beyond payment methods.
The XXL Offer: For peace of mind on the international stage.

Ideal for travelers or families, this offer lets you manage your accounts independently, both in France and internationally.
Enjoy an extra-large card with no foreign transaction fees, plus L’Protect insurance included.

OUR APP
Open a bank account on the app and start using your virtual card right away.

Enjoy an eco-designed app and a seamless experience to control your money, track your spending, and manage your budget wherever you are in the world.

Make instant or scheduled transfers, with no fees.
Block or unblock your bank card in a flash.
Add your bank card to your Apple Pay or Google Pay wallet to pay contactless with your smartphone.
View and manage your payment and withdrawal limits independently.
Take advantage of our services (insurance, savings, etc.) and modify your options directly from the app.

AN AI ASSISTANT
It's as easy as it sounds with the AI ​​Assistant. A true banking assistant powered by artificial intelligence, it interacts with you through simple conversations and helps you manage your transfers, bank cards, check your limits, and activate your options independently.

Ask it all your banking questions, verbally or in writing.

CUSTOMER SERVICE
The entire Support team is here to help you.
Monday to Friday: 8:30 a.m. to 7:00 p.m.
Saturday: 9:00 a.m. to 6:00 p.m.

This service is not available on public holidays.

A BUDGET COACH
Have you met the Coach?
It's your budget coach to help you better manage your money every day.
Track your spending, analyze your spending habits, and make informed decisions to plan your budget. Stay motivated with the Coach's personalized alerts to help you reach your goals.

SAVINGS PRODUCTS
Boost your savings with the enhanced interest rate of the L+ Savings Account.
Save easily from your banking app with savings solutions accessible in just a few clicks.

Why choose L by LCL?

✅ Open a bank account in minutes from your app
✅ Get a virtual card as soon as you open your account
✅ Make instant, free transfers
✅ Pay with your phone using mobile payment via Google Pay / Apple Pay
✅ Track your spending and benefit from simplified budget management
✅ Grow your savings directly from your banking app
✅ Enjoy an AI-powered banking assistant
✅ View and manage your payment and withdrawal limits independently
✅ Benefit from LCL's banking expertise in a 100% digital experience

Download L by LCL now and take control of your money every day. Your opinion is valuable. Use the app, rate it, and share your experience with the community.

See all the terms and conditions at l.lcl.fr