Younited Credit

Best offers of Younited Credit from France

2 years | EUR
  • Available for deposits starting from EUR 2,000

All Term Deposit offers from Younited Credit

Interest rate Term Currency
2.95 % AER
1 year EUR
3.25 % AER
2 years EUR
3.35 % AER
3 years EUR
3.45 % AER
4 years EUR
3.50 % AER
5 years EUR

About Younited Credit

Younited Credit S.A. is an online credit banking platform founded in 2009 by an experienced team of young bankers in Paris. Today the platform is the leading platform for online credit institutions in France.

The aim is for borrowers to obtain a loan faster, easier and cheaper than in the traditional banking system. Similar to the principle of the credit marketplaces known in Germany, the platform brings borrowers and lenders together in an uncomplicated and simple way. The capital procurement for the credit business takes place, as usual with banks, to a part over the deposit business within the range time deposits. The counter-financing is not only provided by the bank itself, but also by a community of professional investors (private individuals, companies, insurers, foundations, pension funds, etc.) who are willing to lend money to borrowers via the Younited Credit platform.

The business is not only successful in France; Younited Credit is also active in Spain and Italy, granting loans and offering fixed-term deposits at attractive conditions.


Rating and financial standing

Younited Credit has not yet received its own rating from the major rating agencies Moody’s, S&P and Fitch. However, banks are not obliged to do so either.

In January 2019, Younited reached the milestone of 1 billion in loans granted, much faster than its competitors Zopa from Great Britain and Auxmoney from Germany. The credit volume is not only generated in France, but also to 40 % outside the home market in Germany, Austria, Italy, Spain and Portugal.


S&P Country rating: AA (As of date April 2, 2021)

Offer details

Effective rate
3.25 % AER
Nominal rate
3.25 % AER
2 years
At maturity
Interest payout
At maturity
Interest taxation
At maturity
Compound interest
Min/Max investment amount
2,000 – 100,000  EUR
  • Prolongation is only possible 28 to 5 days before termination
  • 100% online
  • Prolongation Possible
  • Interest payout possible
Withholding tax
There is no withholding tax in France.
Additional documents
A scan or copy of a valid ID document is required - either an ID card (front- and back) or a Passport (the page with photo and signature) with a valid Proof of Address (no older than 3 months).

About the country

The French Republic is a democratic central state in Western Europe, with overseas islands and territories on different continents.

France is the sixth largest economy in the world and next to Germany the most important industrialized country in Europe. The country has been part of the Eurozone since 1999 and French credit standing is currently rated AA by AA rating agencies, which equates to an investment grade rating with stable prospects.

Deposits are up to an amount of 100,000 EUR including interest income at 100% per customer and per bank legally protected by the French Deposit Guarantee Fund.

Deposit guarantee

In accordance with EU Directives 94/19/EG, 2009/14/EG, and 2014/49/EU, deposits are protected in full by the French Guarantee Scheme (Fonds de Garantie des Dépôts et de Résolution) for amounts up to 100,000 Euros per customer. This protection covers the deposits of all individuals, not just French citizens. More information about the national Deposit Guarantee Scheme in France can be found at http://


Tax process and documents

A scan or copy of a valid ID document is required - either an ID card (front- and back) or a Passport (the page with photo and signature) with a valid Proof of Address (no older than 3 months).