Oney is a French bank and payment provider. Its offer includes instalment payment by card at partner merchants, personal loans and revolving credit, banking and payment cards, and insurance products. The company was created in 1983 by merchants and is a member of the BPCE banking group and of the Auchan group, through ELO. Its products are offered to consumers and to partner merchants.
Oney Bank SA has its registered office in Croix in the Nord department, with a mailing address in Lille. Because its group affiliations are BPCE and Auchan, both French, no foreign parent company is named. Its data protection policy cites the GDPR and the French Data Protection Act, and says that transfers outside the EU rely on adequacy decisions or the Commission's standard contractual clauses. The policy also names sub-processors in Morocco, India, Switzerland and the United States for specific tasks such as customer relations, operating systems, backups and fraud detection. For a European organisation, the French ownership is clear; processing by non-EU sub-processors matters wherever customer data is involved.