The 3 essential B2C Fintech applications in France in 2025
- Noham Layani
- Mar 13
- 3 min read
Updated: Mar 21
At Blendy, French & International CPA , our passion is obviously apps, and more specifically apps that allow you to optimize your financial workflows.
But individuals are also increasingly fond of financial applications. And since 2024, French Fintech has literally exploded, driven by the rise of smartphones and the democratization of new financial uses. This trend is expected to continue in 2025.
Here we offer you a selection of the three most popular Fintech applications currently available to individuals, essential for effectively managing their money on a daily basis.
Lydia: the queen of simplified payments between friends
Lydia needs no introduction, as it has become so popular among young French people. In 2024, the application returned to its original simplicity by refocusing its services on instant payments between individuals and money pools between friends. Lydia allows you to send money from a simple phone number. Today, this solution is so commonplace that we no longer say "make me a transfer" but "make me a Lydia"...
The big news is the creation of Sumeria, a neobank associated with Lydia and offering extensive financial services, such as stock and crypto trading, and an attractive 4% remuneration for initial deposits.
This strategic repositioning now allows Lydia to satisfy both users seeking simplicity and those looking for innovative banking offers.
Revolut: the all-in-one neobank that is shaking up traditional banks
Revolut continues its meteoric rise in France, with now more than 4 million users won over by its versatility.
It has established itself as THE benchmark neobank for individuals thanks to its comprehensive range of services: intuitive budget management, multi-currency account, fee-free international payments, and even investment in stocks and crypto directly from the app.
Revolut continues to innovate and now also offers a savings account with daily interest and soon plans to launch a digital home loan.
Its smooth interface and aggressive pricing are a massive draw for users looking for a credible alternative to traditional banks.
Trade Republic: invest simply and effectively
Trade Republic is also experiencing remarkable growth in France by making stock market investing accessible to everyone. The app offers commission-free investing in stocks, ETFs, and cryptocurrencies , starting from just €1.
Its greatest strength? The completely free Equity Savings Plan (PEA) , a first in France. It also appeals thanks to its current account earning 3% interest on uninvested cash. Another feature that's been a resounding success is its original investor cashback system, which pays 1% of your credit card spending directly into your investment portfolio.
These innovations have now made Trade Republic the preferred investment app for French people looking to grow their savings without complicating their lives.
In summary, these three French B2C Fintech applications are a hit because they perfectly meet the current expectations of individuals: ease of use, diversity of financial services at their fingertips, reduced or non-existent fees, and constant innovation.
Thus, Lydia , Revolut and Trade Republic perfectly illustrate the way in which technology is profoundly transforming the financial practices of the French in 2024.
A must-see if you're not using them yet! And if you'd also like to know about the apps for tech companies that make our hearts beat faster at Blendy, digital accounting experts , contact our team now!
Sources :
With Blendy, international CPA based in France, take advantage of all digital accounting to accelerate your financial process and develop your business.
Pennylane, Dext, QuickBooks and Stripe certified, we support digital, e-Commerce, IT services, SaaS companies in France and internationally.