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WORKING FOR A FAIR,


SUSTAINABLE AND


INCLUSIVE SOCIETY

Founded in Brussels in 2001, FEBEA is the European Federation of Ethical and
Alternative Banks and Financiers.
An international non-profit organisation that brings together 32 financial
institutions from 17 European countries with the aim of developing ethical and
social finance in Europe.





FEBEA BRINGS TOGETHER DIFFERENT FINANCIAL ORGANISATIONS DRIVEN BY THE VALUES OF
ETHICAL FINANCE.


Learn more


DISCOVER


WHY ETHICAL FINANCE

Ethical Finance empowers people to control how their money is used, supporting
local communities, the social economy, and sustainable development. Originating
from citizens-led movements 30 years ago, Ethical Finance aims at using savings
and investments for the common good.

Learn more


USE OF MONEY

Ethical financiers mindfully choose where to place their money, always selecting
initiatives with transformative social and sustainable perspectives. They commit
to excluding harmful sectors, such as fossil fuels, from their portfolios and
they avoid seeking short-term profits in their financial behaviour. Instead,
they prioritise long-term positive impacts for the common good.


TRANSPARENCY

Ethical financiers maintain transparency throughout the entire process, from the
collection of the funds to their use. They openly publish and demonstrate how
and for what purposes shareholders’ money is used.


GOVERNANCE

Ethical financiers have collaborative and participatory governance structures.
Some operate as cooperatives, where each shareholder’s vote has equal value,
regardless of the number of shares owned. Others implement participatory systems
that involve their social base, customers, or members in the organisation’s
management.


ETHICAL FINANCE STORIES



How organised civil society can change the world

View all
ETHICAL FINANCE STORIES


FEBEA MEMBERS MOBILISED FOR THE UKRANIAN HUMANITARIAN CRISIS

The war in Ukraine has unchained an unprecedented humanitarian crisis that is
now reaching neighbouring countries and will gradually extend throughout Europe.
CONTINUE READING >
ETHICAL FINANCE STORIES


STORY #3: CULTURA BANK SUPPORTS “IN THE SAME BOAT” INITIATIVE

Since “In the same boat” was established in 2017, we have cleared more than
800,000 kilograms of plastic garbage from Norway’s coast.
CONTINUE READING >
ETHICAL FINANCE STORIES


BANCA ETICA SUPPORTS SUSTAINABLE TOURISM

Our member Banca Etica supports Fairbnb.coop, a platform that applies criteria
of legality and sustainability, collaborates with local institutions and
allocates 50% of the commission paid by the traveler for each transaction to
support projects with a positive social impact in the local community.
CONTINUE READING >
View all




GIVE ANOTHER


MEANING TO


YOUR MONEY

All FEBEA members are committed to avoiding financing any kind of harmful
sectors such as the weapon industry, fossil fuels or tobacco industry. Instead,
they are focused on financing the real economy, which positively impacts the
sustainable development of local communities.




FIND ETHICAL BANKS


EUROPE



Navigate the Map

To navigate the map, click on any of the available countries.

Hold, click and drag the cursor across the screen to move around.

Click on the yellow points on the map to learn more about FEBEA’s members.

Select the house icon on the bottom left corner to zoom out and select a
different country.

CONFERENCE 2024


ANNUAL CONFERENCE

The FEBEA Annual Conference brings together experts in the field of ethical
finance and social economy at European and international level. The FEBEA annual
event is an unique opportunity to exchange on the challenges and opportunities
faced by ethical finance actors with respect to the changing social and
political context.

 * Fri 27 SEP 2024
 * Community finance Ireland
 * Dublin, Ireland

Buy tickets
More info

“Ethical Finance’s culture views the construction of social justice as the
ultimate aim of all our financial undertakings.
This is what we do, it is in our nature; we cannot and do not want to do
anything else.”

Pedro Sasia

FEBEA Chairman

NEWS


STAY INFORMED

View all

Latest news and upcoming events.

 * News

 * February 15, 2024


BUILDING BRIDGES WITH EUCLID AT THE SOCIAL ECONOMY EUROPEAN CONFERENCE 2024 –
LIÈGE

On 12 and 13 February, the city of Liège hosted the “European Social Economy
Meeting: The social economy at the heart of transitions’ under the Belgian
Presidency.

CONTINUE READING >

 * News

 * February 14, 2024


VIENNA’S SOCIAL HOUSING SUCCESS: A BLUEPRINT FOR AFFORDABLE LIVING

Under the SIFTA program, FEBEA held a training on the topic of social housing
last week in Vienna, co-organised by one of its Austrian members, the European
Centre for Social Finance. Given the current salience of the topic, the training
gathered experts with different backgrounds to provide a picture of the current
challenges and solutions to the lack of affordable housing Europe is
increasingly facing. With a bright history in social housing, Vienna was chosen
as the destination of this session as it has a large enough pool of
organisations working in the field, but also because it allowed to complete the
event with a field visit to one of the largest social housing complexes in the
world, the Karl Marx Hof.

CONTINUE READING >

 * News

 * October 31, 2023


FEBEA BOARD MEMBERS ATTEND THE 6TH AFRICAN MICROFINANCE WEEK IN TOGO

The African Microfinance Week (SAM), known by its French acronym “Semaine
africaine de la microfinance,” is a biennial event that serves as a prominent
platform for the advancement of financial inclusion in Africa. This prestigious
gathering attracts professionals from various sectors, including investors,
microfinance institutions (MFIs), researchers, banks, networks, innovators, and
governmental representatives. The 6th edition of SAM, held in Lomé from the 16th
to the 20th of October, 2023, brought together over 1,100 participants from
across Africa. Among those in attendance were Anne-Sophie Bougouin and Dominique
Lesaffre, representing FEBEA.

CONTINUE READING >


CONTACT US

If you have any questions or enquiries, please feel free to contact our team.

Questions
Our team

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PORTUGAL



CRESAÇOR



Type of organisation

Cooperative of Organizations

CRESAÇOR is a cooperative of 33 organisations dedicated to promoting the social
economy in the Azores islands. Guided by the principles of the solidarity
economy, it addresses 21st-century challenges such as unemployment, poverty,
social exclusion, multiculturalism, and territorial cohesion. The cooperative
also runs microcredit program to support local and small entrepreneurs. CRESAÇOR
originated from the Poverty Combat Project.

Website


PORTUGAL



FESCOOP



Type of organisation

Network of Ethical finance promoters.

Network of citizens, professionals, and organisations promoting ethical finance
in Portugal.

Website


MALTA



APS Bank



Type of organisation

Retail BanK

APS Bank is the only Maltese bank owned by Maltese citizens and dedicated to
supporting the real economy of the island. In the current financial landscape,
this commitment reflects a profound vision of the role of money. As one of
Malta’s oldest financial institutions, APS Bank provides a comprehensive array
of personal, business, and investment services, all aimed at fostering the
economic and social development of the local community.

Website



SPAIN



Colonya Caixa Pollença



Type of organisation

Savings Bank

Founded in 1880, Colonya pioneered ethical savings in Spain. Caixa Pollença,
with its strong regional focus on the Balearic Islands, is dedicated to
financing the local economy. They serve small communities that larger banks
overlook, driven by a mission to support local economies with essential
financial services.

Website


SPAIN



Coop57



Type of organisation

Credit Cooperative

Coop57 is a financial cooperative that channels funds from its shareholders to
member companies. Based in Barcelona, they operate across Spain with a strong
focus on the Social and Solidarity Economy. Coop57 boasts a robust governance
system centered on the general assembly and self-management. Unlike traditional
banks, Coop57 clients must first become members, ensuring the application of
ethical and social criteria.

Website


SPAIN



Fundación Finanzas Éticas



Type of organisation

Foundation

The Fundación Finanzas Éticas is part of the Banca Etica Group. The organisation
contributes to the development of the Social and Solidarity Economy and Social
Enterprises through complementary financing programmes, in addition to those
already offered by Fiare Banca Etica in Spain. It promotes citizen activism for
the transformation of the economic system, often collaborating with other social
actors directly involved in issues such as combating climate change, addressing
energy poverty, respecting human rights, and other related matters.

Website


SPAIN



Seed Capital Bizkaia



Type of organisation

Public financial institution

Seed Capital Bizkaia is a public financial institution based in the Basque
region of Bizkaia, Spain. Established in 1989, it operates under the Department
of Economic Promotion of the Provincial Council of Bizkaia. The organization is
responsible for administering and managing a variety of financing instruments
aimed at fostering business development.

Website


SPAIN



Fundació Seira



Type of organisation

Foundation

Promoted by the Federation of Work Cooperatives of Catalonia, SEIRA Foundation
is leveraging smart and relevant financing so that the workers’
cooperative of Catalonia can reinforce their activities and services to their
members, as well as their own assets.

Website


ITALY



Banca Popolare Etica



Type of organisation

Cooperative Bank

Banca Popolare Etica is a transnational cooperative operating in two countries:
Italy and Spain. It emerged from the third sector through a mix of different
organizations and is the bank of the social economy in both countries. It is a
bank focused on building a better society through social and environmental
impacts on local territories. It has a very strong social base with many
mechanisms to incorporate it into the decision-making process of the bank.

Website


ITALY



Cassa Centrale Banca



Type of organisation

Cooperative Banking Group

Cassa Centrale Banca is a consortium of Italian cooperative banks united by
shared principles. Based in Northern Italy, they provide central services for
cooperative banks nationwide. The group values diversity and upholds local
identity as a core principle. With a strong focus on the regional economy, the
network promotes local economic and social well-being.

Website


ITALY



Fondazione di Comunità Messina



Type of organisation

Social Economy cluster

Cluster of social economy organizations promoting social and economic
development in the Messina area of Sicily and dedicated to creating new economic
activities in the territory. Comprised of three foundations in one: a
microfinance institution (MFI), SEFEA holding, and an additional entity. The
original purpose is social inclusion through housing, entrepreneurship, and
personal development. It is focused on the promotion and development of the
local culture, and it maintains international relations with European and
Mediterranean social economy partners. It is also engaged in the development of
public infrastructure.

Website


ITALY



SEFEA HOLDING



Type of organisation

Cooperative

SEFEA HOLDING S.C. is an Italian cooperative financial institution established
to advance ethical finance across Europe. Founded in 2002, it aims to foster the
growth of financial practices that align with ethical and social values. The
company operates from its headquarters in Padova and is dedicated to supporting
the development of ethical financial solutions and initiatives.

Website



SWITZERLAND



Banque Alternative Suisse SA



Type of organisation

Bank

Founded in 1990, BAS is Switzerland’s only alternative bank. Operating in two
languages, it champions environmental sustainability, social responsibility, and
transparency. The bank endorses sociocracy, empowering employees to
self-organize. BAS prioritizes the common good over profit maximization and
opposes speculation and tax havens. While offering standard banking services
such as investment, savings, and lending, BAS ensures all operations follow
strong ethical principles.

Website



IRELAND & UK



Community Finance Ireland



Type of organisation

Company and Charity

Community Finance Ireland is a transnational financial services charity
operating in both Southern and Northern Ireland, envisioning one united island.
Focused on boosting local communities, they finance Gaelic sports clubs, social
enterprises, and community projects. “Our clients can see what’s missing in
their communities and they can dream of the change needed.” – CFI

Website



IRELAND & UK



Community Finance Ireland



Type of organisation

Company and Charity

Community Finance Ireland is a transnational financial services charity
operating in both Southern and Northern Ireland, envisioning one united island.
Focused on boosting local communities, they finance Gaelic sports clubs, social
enterprises, and community projects. “Our clients can see what’s missing in
their communities and they can dream of the change needed.” – CFI

Website



BELGIUM



Crèdal



Type of organisation

Credit Cooperative

Crédal comprises a credit cooperative and 3 NGOs. It was born from the
anti-apartheid Belgian movement of thee 1980s and it now operates in the
French-speaking South of Belgium. Crédal’s credit focuses on the Social Economy,
the Third Sector, the food chain and agriculture. It also provides microloans to
entrepreneurs, impact loans to Social Enterprises, and consumer loans to
vulnerable or excluded individuals.

Website


BELGIUM



Hefboom



Type of organisation

Credit cooperative

Hefboom is a Flemish credit cooperative that focuses on promoting and supporting
social and sustainable investments. Hefboom provides financing solutions and
investment opportunities aimed at social enterprises and projects that deliver
positive social and environmental impacts in Flanders.

Website


BELGIUM



Inpulse



Type of organisation

Investment Fund

Inpulse specialises in social investments and microfinance. It supports
alternative investment funds that provide long-term financing to socially driven
financial intermediaries. Operating in Belgium, Poland, and France, Inpulse
manages four Microfinance Investment Vehicles (MIVs) with a total capacity of
EUR 78.2 million, aiming at creating positive social impacts while delivering
competitive returns.

Website



CROATIA


ZADRUGA ZA ETICNO FINANCIRANJE (Cooperative for ethical financing)


Type of organisation

Social Cooperative

The Cooperative for Ethical Financing is a non-profit organization comprising
organizations and individuals committed to promoting a democratic, transparent,
just, and socially and environmentally responsible economy. It advises social
enterprises on business development and financial tools. Members, as co-owners,
democratically decide on key issues and elect the governing body.

Website



GREECE



Cooperative Bank of Chania



Type of organisation

Credit Cooperative

Founded in 1995 in Crete, this cooperative bank gradually expanded throughout
Greece. Embracing the theme “Participation makes the difference,” it emphasizes
employee participation and collective effort as keys to its success. With a
strong focus on the local economy, it supports activities crucial to Crete’s
economy: olive oil production, urban development, and the promotion of Cretan
food products. The bank emphasizes trust, reliability, and consistency, laying a
solid foundation for a shared future.

Website


GREECE



Cooperative Bank Of Karditsa



Type of organisation

Retail Bank

The Cooperative Bank of Karditsa strongly focuses on the local economy,
sustainability, social inclusion, local development, and agriculture. Recently
described as the “Best bank in Greece” by the governor of the Bank of Greece, it
prioritises transparency, security, and reliability. Committed to ensuring
financial flexibility, it offers services to citizens with no access to bank
accounts, such as temporary workers, and provides its webpage in multiple
languages, including Arabic and French. The bank works closely with ANKA, the
Development Agency of Karditsa, to address various regional needs.

Website



FRANCE



Credit Cooperatif



Type of organisation

Retail Bank

Credit Cooperatif was born as the bank of the third sector in France. It is a
retail bank that offers its services throughout the whole country. Focused on
the local economy, social economy, and sustainability, it is a cooperative bank
with its governance based on citizen participation.

Website


FRANCE



Femu Qui



Type of organisation

Investment company

More than 2,000 “subscribers,” as they call the shareholders. People,
professionals, and organizations focused on local economic development and
employment. Based in Corsica. Long-time members of FEBEA.

Website


FRANCE



La Nef



Type of organisation

Cooperative Bank

La Nef is a banking cooperative that has been bringing together professionals
and individuals since 1988 to build a more just and sustainable society. It
advocates for healthy and transparent finance, choosing to only fund projects
that have ecological, social, or cultural added value.

Website


FRANCE



France Active



Type of organisation

Social Economy financier

France Active is an organization dedicated to solidarity finance, which involves
using financial resources to promote social and economic inclusion. For over
three decades, France Active has been assisting and providing financial support
to businesses, focusing on those that contribute positively to society.

Website


FRANCE



SIDI



Type of organisation

SOCIAL INVESTOR

SIDI is a French organisation that supports sustainable development through
finance. Founded in 1983, it focuses on providing funding and support to
microfinance institutions and social enterprises in developing countries, aiming
at promoting economic growth, financial inclusion, and social progress.

Website


FRANCE



SOCODEN



Type of organisation

Cooperative

Socoden is a French cooperative financial institution established in 2001,
dedicated to funding and supporting social enterprises with a positive societal
impact. It focuses on ethical and responsible finance, prioritizing social and
environmental benefits over purely financial returns. Socoden mobilizes
resources from members and partners to support sustainable development and
social inclusion projects.

Website



NORWAY



Cultura Bank



Type of organisation

Savings Bank

Cultura Bank stands out as the sole Norwegian bank that provides depositors with
detailed information on where their money is invested, with each loan evaluated
based on social and environmental criteria. Offering a wide array of banking
services such as current and savings accounts, business loans, and mortgages.

Website



NORWAY



Erste Social Finance



Type of organisation

Private Company

Erste Social Finance Holding is a collaborative effort between Erste Group Bank
AG and ERSTE Foundation. Operating as a social enterprise, its focus lies on
generating positive social impact alongside sustainable financial
outcomes.Serving as a social finance investor and intermediary in Central and
Eastern Europe, Erste Social Finance Holding invests in financially viable
social business models and pioneers innovative social finance instruments.

Website


AUSTRIA



Genossenschaft für Gemeinwohl



Type of organisation

Cooperative

Genossenschaft für Gemeinwohl (“the Cooperative for the Common Good”)
contributes to changing the monetary and financial system in Austria. They
provide financial, educational, and democratic services. GfG offers operating
bank accounts for responsible citizens concerned about the use of their money.

Website



GERMANY



European Center for Social Finance



Type of organisation

Research Center

The European Center for Social Finance was created to help establish best
practices and distribute knowledge in financing social services provision and in
developing social innovation. The research center is specialized in EU policies,
social finance, Social Economy, and impact investment. It is a partner of FEBEA
in research, training, and capacity-building activities.

Website



POLAND



TISE



Type of organisation

Non-banking financial institution

Towarzystwo Inwestycji Społeczno-Ekonomicznych TISE SA (Social and Economic
Investment Company TISE) provides loans to micro, small and medium enterprises
as well as social economy entities. The Company was established in 1991. It is
fully owned by Poznański Bank Spółdzielczy. In the first years of its activity
TISE focused on financing small and medium enterprises through venture capital,
credit guarantees and subordinated loans. Since 2008 TISE’s main activity
consits in providing loans to SMEs and NGOs. Funds for the loans come primarily
from various EU programs aimed at supporting both small businesses and the
social economy. TISE is one of the biggest intermediaries for such loan programs
in Poland. It is a long standing and verified partner for the Polish Development
Bank (BGK) and the European Investment Fund.

Website



ROMANIA



Social Finance Association (SFA)



Type of organisation

Non-banking financial institution

SFA (Social Finance Association – Association for Social Financing) was
established with the purpose of complementing AFIN’s financial pillar with
specialized assistance and know-how in the field of social financing. The
Association aims to support local entrepreneurs in overcoming financial barriers
through financial education and consultancy for easier access to financing.

Website



GERMANY



European Center for Social Finance



Type of organisation

Research Center

The European Center for Social Finance was created to help establish best
practices and distribute knowledge in financing social services provision and in
developing social innovation. The research center is specialized in EU policies,
social finance, Social Economy, and impact investment. It is a partner of FEBEA
in research, training, and capacity-building activities.

Website


DENMARK



Merkur Bank



Type of organisation

Retail Bank

Merkur is Denmark’s value-based financial institution – they work for a better
world for people, nature, and the environment.

Website



SLOVAKIA



Social Innovatori



Type of organisation

Investment cooperative

Sociálni Inovátori created in 2017, is a cooperative that acts as an
intermediary in securing financing for social enterprises in Slovakia. They have
the goal of creating a functional infrastructure and ecosystem for impact
entrepreneurs and all future solvers of societal challenges.

Website