France: Islamic banks and finance
Checked on October 12, 2026
France has no dedicated legal framework for Islamic finance: since 2010-2011 the tax authorities have only clarified how murabaha, sukuk, ijara and istisna are taxed, and providers fall under the ordinary rules of the ACPR and the AMF. As of October 2026 no licensed Islamic bank operates in France; the banking offer rests on Chaabi Bank’s Harmonis range, which includes an interest-free account and murabaha home finance. Several apps offer interest-free payment accounts run through European payment institutions, and brokers distribute life insurance and retirement plans invested in screened funds. There is no licensed takaful insurer in France and no Islamic consumer or car finance for the general public.
The 8 providers
-
Chaabi Bank
Islamic window- Group
- Groupe Banque Centrale Populaire (Maroc)
- Since
- 2011
- Supervision
- ACPR
- Products
- Current account, Home finance
- Contracts
- Murabaha
The Harmonis range (interest-free account, package and murabaha home finance over up to 20 years with a 20 % deposit) is listed on the bank’s website with a price guide effective 1 April 2026.
-
Musc-Pay
App or digital bank- Since
- 2023
- Supervision
- BNB
- Products
- Current account, Card, Savings
In 2026 the payment account and Mastercard are issued by the Belgian institution Paynovate SA; the app offers no credit.
-
Laymoon
App or digital bank- Supervision
- CSSF
- Products
- Current account, Card
In 2026 Laymoon’s payment services are provided by Olky Payment Service Provider, a payment institution licensed in Luxembourg, through an ORIAS-registered agent.
-
Perenys
Broker or adviser- Supervision
- ORIAS/AMF
- Products
- Savings, Investments
A brand of IESG France (insurance broker and financial investment adviser), Perenys distributes in 2026 a life savings contract and a retirement plan insured by Suravenir and approved by its compliance board.
-
570easi
Broker or adviser- Since
- 2010
- Supervision
- ORIAS/AMF
- Products
- Home finance, Savings, Investments
- Contracts
- Murabaha
As an intermediary (IOBSP and CIF), 570easi distributes in 2026 a partner bank’s murabaha home finance as well as savings contracts, SCPI real estate funds and sukuk.
-
SAAFI
Broker or adviser- Supervision
- ORIAS/AMF
- Products
- Insurance, Investments
SAAFI, a Marseille brokerage and advisory firm registered with ORIAS, launched “Sakina” in 2020, a funeral and repatriation cover presented as takaful.
-
Swiss Life France (contrat SALAM Épargne & Placement)
Islamic window Activity to be confirmed- Group
- Swiss Life
- Since
- 2012
- Supervision
- ACPR
- Products
- Savings, Investments
Life insurance contract launched in June 2012 and backed by the Salam-Pax SICAV; its availability in 2026 could not be confirmed on the insurer’s website.
-
Noorassur
Broker or adviser Activity to be confirmed- Supervision
- ORIAS
Presented at its opening as the first Islamic finance agency in France, this broker no longer has a reachable website in October 2026 and its activity could not be confirmed.
Closed or discontinued
Mizen
Launched in November 2022 with a halal payment account, Mizen ended its offer in 2024 and its former domain redirects in 2026 to an unrelated company.
Before you commit
- Ask for the names of the Shariah board members and their published rulings on the product.
- Check that the provider is authorised by the country’s regulator.
- Compare the total cost, not just the monthly payment: the calculators in this section can help.
- Read the contract: who owns the property, who bears the risk, late-payment charges and where they go.