rewrite this title eToro launches a PER and life insurance offer in France in partnership with Generali – eToro

Paris, 13 May 2025 – eToro, the trading and investing platform, announces today a partnership with Generali, a major player in the French life insurance market, to offer its users in France a life insurance contract and a PER (Plan d’Épargne Retraite) to its users in France. The announcement follows the opening of eToro’s local subsidiary in France, eToro Patrimoine. 

The PER and life insurance contract offered by eToro Patrimoine are designed to cater to a wide range of retail investor preferences and risk appetites, offering both managed and self-directed options, developed in partnership with Generali. Blending eToro’s seamless and innovative approach with Generali’s insurance expertise, this partnership marks a major step forward in providing access to long-term savings propositions for eToro’ users in France. 

Julien Nebenzahl, President of eToro Patrimoine, said: “Introducing saving solutions for eToro’s users in France and opening a local subsidiary underscore our commitment to strengthen our footprint in a key market for the business. With these new products, we want to empower retail investors to build a robust savings portfolio that allows them to grow their wealth for the long-term. We are excited to provide them in partnership with Generali, a major player in the French life insurance market. This launch represents a new chapter in our efforts to continually enhance our local offering for our users in France, supporting them throughout their investing lives.”

Corentin Favennec, Partnerships Director at Generali Patrimoine, commented: “We are delighted to support eToro, a globally recognised investment player, in the launch of its subsidiary in France and its savings offering. Our 100% digital PER and life insurance products, which complement each other, perfectly fit into eToro’s value proposition to serve the wealth management needs of the French people.“

For both the PER and the life insurance contracts, eToro users can choose from managed portfolios with different investment risk preferences, from more conservative to more dynamic. Additionally, investors have the option to build their own allocation by selecting euro funds and unit-linked products, among a list of over 500 choices, including mutual funds, ETFs, stocks, and dated bond funds. 

The launch of  this new offering is the latest in a series of recent product updates for eToro users in France. Last year, the platform enabled trading in local currency for eToro Money EUR accounts. Additionally, eToro expanded its offering of French-listed stocks from Euronext Paris, providing its users access to the vast majority of the companies listed on this exchange. French users also benefit from a French IBAN, ensuring a service tailored to their local needs.

ENDS

Notes to editors

The PER and life insurance contract offered by eToro Patrimoine are available to eligible users in France. 

The e-Vie contract is an individual life insurance policy denominated in euros and/or unit-linked products and/or growth commitments, leading to the creation of a diversification reserve, insured by Generali Vie, a company governed by the French Insurance Code.

The e-PER Generali contract is a group life insurance policy with individual and optional membership, denominated in euros and/or unit-linked products, insured by Generali Retraite, a supplementary professional retirement fund governed by the French Insurance Code.

The initial investment starts at €300. Scheduled payments have minimum amounts of €50 monthly, €75 quarterly, €150 semi-annually, or €300 annually. For flexible payments, the minimum is €300, or €150 for life insurance if scheduled payments are set up.

Management fees are 0.5% for unit-linked products and 0.8% for funds in euros for PER, and 0.75% for both unit-linked products and funds in euros for life insurance*. These management fees are waived in 2025 as part of a launch offer. No entry, arbitration and redemption, or management mode change fees apply. Membership fees for PER are €4 upon joining, then €4 annually. For more information, please visit the eToro Patrimoine’s website www.etoropatrimoine.fr. 

*Excluding promotional offers, the ongoing contract fees mentioned in the Essential Provisions box of the Information Note/Notice are equivalent to General Terms and Conditions.

Media contactspr@etoro.com

About eToro

eToro is the trading and investing platform that empowers you to invest, share and learn. We were founded in 2007 with the vision of a world where everyone can trade and invest in a simple and transparent way. Today we have 40 million registered users from 75 countries. We believe there is power in shared knowledge and that we can become more successful by investing together. So we’ve created a collaborative investment community designed to provide you with the tools you need to grow your knowledge and wealth. On eToro, you can hold a range of traditional and innovative assets and choose how you invest: trade directly, invest in a portfolio, or copy other investors. You can visit our media centre here for our latest news.

About Generali France

Generali France is currently one of the leading insurers and asset managers in France, with a revenue of €19.2 billion in 2024. It offers a comprehensive range of insurance solutions (health, life, assistance, property, and liability), wealth management, and asset management services to its 8 million individual, professional, and corporate clients. Established in France since 1832, Generali France relies on the expertise and know-how of its 9,300 employees, general agents, and agency staff, as well as its network of brokers and intermediaries.

Its vision is to be the partner of its clients and distributors throughout their lives. As a committed

company, Generali France places sustainability at the heart of its strategy, aiming to be a responsible insurer, investor, distributor, employer, and citizen, particularly through its foundation, The Human Safety Net.

For more information, visit generali.fr.

Generali Press Relations : Laurie Bonneville – laurie.bonneville@generali.com – Tél. : 03 20 66 32 90

Disclaimers:

eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.

This communication is for information and education purposes only and should not be taken as investment advice, a personal recommendation, or an offer of, or solicitation to buy or sell, any financial instruments. This material has been prepared without taking into account any particular recipient’s investment objectives or financial situation, and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Any references to past or future performance of a financial instrument, index or a packaged investment product are not, and should not be taken as, a reliable indicator of future results. eToro makes no representation and assumes no liability as to the accuracy or completeness of the content of this publication.

Investing in unit-linked products carries a risk of capital loss, as their value is subject to fluctuations both upward and downward, primarily depending on the performance of financial markets. The insurer commits to the number of unit-linked products, but does not guarantee their value.

Non-contractual information provided for indicative purposes only.

Regulation and License numbers

France

eToro Patrimoine is registered with ORIAS (orias.fr) under number 11064583 as an insurance broker, and is registered as a financial investment advisor under number D012967 with CNCEF Patrimoine (103 boulevard Haussmann – 75008 Paris), an association accredited by the AMF (Autorité des Marchés Financiers – 17, place de la Bourse 75082 Paris Cedex 02 – http://www.amf-france.org).