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INGENIA
BANK HEART
The group's global online bank
BANK HEART is INGENIA's global online bank, under the arms of the de Buretel de Chassey family: personal, family and business accounts opened from every country, and zero-interest loans to finance a project, a HOUSES FOR ART AND SCIENCE house or a company. Every employee holds an equal €70,000 share of the capital, financed at zero interest by BANK HEART. Former LCL customers are welcomed first, with assisted transfer of their assets. Banking project pending regulatory approval.
€70,000
Share per employee
0%
Loan rate
Every INGENIA country
Countries
Online · 5 min
Opening
Former LCL customers
Priority
Pending approval
Status
Why BANK HEART
The CEO holds the same share as the sweeper
INGENIA is not capitalist: every employee holds an equal €70,000 share, financed at zero interest by BANK HEART and refunded immediately the day they leave. All skills are worth the same.
Former LCL customers: served first
Former LCL customers are welcomed as a priority: fast-track opening and assisted, fee-free transfer of their assets (accounts, savings, current loans) to BANK HEART. LCL is a trademark of its owner; BANK HEART is not affiliated with LCL.
Zero-interest loans
No interest: the group finances your projects and is rewarded by the value created, not by debt.
Global and local
An account opened from any country, advisers in every INGENIA location.
Verified identity
KYC integrated with INGENIA membership: one identity, one card, one bank.
Bank of the heart
Priority to families, young companies and group employees — 10,000 hires in Bucharest.
A global bank, under the family arms
BANK HEART is the INGENIA group's online bank. Open from every country where the group operates, it offers personal, family and business accounts, a card in royal colours and zero-interest loans: the group finances the projects of its members, clients, employees and partners without interest, within their means. A bank of the heart, carried by the family motto Ipse Virtus Merces Sua.
BANK HEART
Multi-currency current account, coat-of-arms card, international transfers, savings, zero-interest loans (project, HOUSES FOR ART AND SCIENCE housing, business), financing of the 40,000 hires and INGENIA members. 100% online account opening with identity verification.
Personal & family accounts
Current account, joint account, savings, arms card for every family member.
Business accounts
Treasury, supplier payments, zero-interest financing of INGENIA equipment.
Zero-interest loans
Housing (HOUSES FOR ART AND SCIENCE), mobility (ANGELICA), energy (FUSION), company creation.
International transfers
Fee-free, multi-currency transfers between INGENIA countries.
Security & compliance
KYC, anti-money-laundering, banking licence in progress.
Augmented advice
The group's AI prepares your loan files and follows your projects.
Open your BANK HEART account
BANK HEART is an INGENIA group banking project pending regulatory approval. No account opening, deposit or loan is effective before the required authorisations are obtained; requests filed here are a pre-registration.
The INGENIA share
€70,000 for everyone. The CEO holds the same share as the sweeper.
Read the INGENIA Manifesto →INGENIA is not capitalist. INGENIA respects every person as an equal: all skills are worth the same. Human capital generates capital; that is why capital belongs equitably to every employee, as a single, equal €70,000 share.
One share, equal for all
Every employee holds exactly one €70,000 share. No more, no less, whatever their position.
Financed at zero interest
BANK HEART, INGENIA's bank, lends every employee up to €70,000 interest-free to acquire their share, repayable over 6 to 240 months.
Human capital generates capital
The value created by work returns to those who create it: results are shared equally among holders.
Refunded immediately on departure
When an employee leaves INGENIA, INGENIA immediately refunds their €70,000 share; any outstanding loan balance is settled by offset.
Subscribe to my INGENIA share
Employees only. Choose your financing: BANK HEART processes your zero-interest loan.
Employee shareholding programme under legal structuring; the subscription is a pre-commitment until issuance documents are signed and BANK HEART's banking approval is obtained.
Track my subscription
Public share registry
Proof of equality
Every issued share is worth exactly €70,000. Minimum share = maximum share: nobody holds more than anyone else.
Shares by division
BANK HEART
Open a BANK HEART account
Pre-register in 2 minutes. An adviser will contact you.
BANK HEART is a banking project pending regulatory approval; this request is a pre-registration, with no effective account or loan until authorisations are obtained.
Zero-interest loan simulator
Monthly payment
417 €
Total interest
0 €
Total repaid
25 000 €
Indicative simulation, no contractual value. Loan subject to acceptance and banking authorisation.
Track your application
Asset transfer file — former LCL customers
Reserved for former LCL customers with a BANK HEART request. Transfer of accounts, savings and loans is assisted and free of charge.
The IBAN is stored masked. The transfer only becomes effective after BANK HEART's banking authorisation. LCL is a trademark of its owner; BANK HEART is not affiliated with LCL.
Invention DNA
Thinking, the engine of every innovation
Every BANK HEART invention starts from the same source: the creative thinking of the INGENIA group, embodied by "Le Penseur".
House for Art and ScienceThe group's global online bank
BANK HEART is INGENIA's global online bank, under the arms of the de Buretel de Chassey family: personal, family and business accounts opened from every country, and zero-interest loans to finance a project, a HOUSES FOR ART AND SCIENCE house or a company. Every employee holds an equal €70,000 share of the capital, financed at zero interest by BANK HEART. Former LCL customers are welcomed first, with assisted transfer of their assets. Banking project pending regulatory approval.
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