Croix, September 23rd ,2020 – Oney, expert in payment, consumer credit, and insurance solutions, continues its expansion in Europe with the launch of its activities in Germany, the third largest e-commerce country in Europe. Thus, Oney Bank is pursuing its ambition of becoming the European leader in split payment solutions and expanding its offer to its retail partners and customers.

A complete and tailor-made offer to meet the German market needs

In Germany, Oney Bank aims to offer, in a first place, three consumer credit and payment solutions adapted to the German market and its specificities:

  • 3x4x Oney split payment: The 3x4x Oney is an omnichannel solution that enables customers to divide the payment of purchases. With this split payment solution, Oney is already the leader in France and recognized in Italy, Spain, Portugal and Belgium. It will soon be deployed in Romania.
  • A split payment offer up to 12 months: based on the same model as the 3x4x Oney split payment solution. This instalment offer was developed to meet the specific characteristics of the German market.
  • « Buy Now, Pay Later »: with this solution, Germans will be able to defer up to 30 days, without any charge, their purchases. For further flexibility, this solution can be combined with the 3x 4x Oney split payment solution after the 30 days, without any charges. This new product will be very rapidly launched in other countries in which Oney Bank is present.

By offering these three consumer credit and payment solutions in Germany, Oney Bank wants to give consumers the ability to realize their projects and choose the payment solution adapted to their needs. Thanks to Oney’s expertise in fraud prevention and management, these payment facilities will enable German retailers and e-merchants to increase their revenues and their client’s shopping basket due to an optimized acceptance rate that ensures one of the lowest levels of fraud on the market.

For Jean-Pierre Viboud, Oney’s CEO: “The opening of Oney Bank in Germany is a major step in our objective to become the European leader in split payment. Germany is the 3rd largest e-commerce country in Europe and it is a prescriptive market, at the forefront of consumption. With this new opening, we want to accompany our current partners who have businesses in Germany and our future retail partners, with solutions tailored to the new purchasing paths.”

A high-level team to achieve the upcoming challenges

To tackle the German challenge, two complementary personalities have been nominated.

Uli Kiendl, joins Oney as Managing Director, Oney Germany. He will be in charge of the relations with retail partners and the deployment of the local strategy. Cyrille Vivier is promoted as Deputy Managing Director, Oney Germany. He benefits from international experience at Oney and has a strong expertise of Oney’s products and services.

About Oney:

Who are we?

We are a bank with a difference, with our origins in business. We use our unique positioning and our expertise developed over more than 35 years to design innovative payment solutions and financial services. Our talented team of 2,600 people worldwide offer a new take on banking, in favour of a more human relationship, with a mission to “give everyone the freedom to be themselves and to take action”. With our 500 retail and e-commerce partners, we help over 7.7 million customers in Europe turn their projects into a reality by providing memorable shopping experiences both in-store and online. Since 22 October 2019, we have had two shareholders: BPCE for a share of 50.1% and Auchan Holding with 49.9%.

Find our annual report online at

Press Contact – Oney

Camille Gerardi

+33 (0)3 28 38 72 05 /

Press contacts – Agence OmnicomPR Group

Rama Sall

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