Academic mock-up — Auxo Banque is an entirely fictional institution, built as part of a graduate thesis. It does not correspond to any real bank. No data entered is transmitted or stored.

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Savings

Set money aside with a clear goal in mind.

Emergency, project, housing, retirement, child or corporate cash: each horizon matches a solution and a different level of availability.

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  • Scheduled contributions from small amounts
  • Availability stated for each solution
  • No yield promised
Available solutions

Seven solutions, seven horizons.

Each sheet states fund availability, conditions and how contributions work.

Standard savings

Available at any time, with no set goal.

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Project savings

Saving toward a dated, costed goal.

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Housing savings

Preparing a future property purchase or renovation.

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Retirement savings

Building an extra income for later.

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Child savings

Saving in a child’s name, for their future plans.

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Corporate savings

Investing a company’s surplus cash.

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Scheduled deposits

Automating savings so you don’t have to think about it.

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Who is it for?

Find the profile that matches you.

Individual

Build available emergency savings.

 Student

Save through small regular contributions.

 Sole trader

Prepare a medium-term business investment.

 Business

Place surplus cash without locking it away.

 Entrepreneur

Build a retirement when none is provided.

 Investor

Prepare a structured property deposit.

 Non-profit

Ring-fence funds for a dated project.
Individual

Standard savings

Available at any time, with no set goal.

Standard savings build an immediately available reserve, with no risk of capital loss, for the unexpected or a spontaneous plan.

Benefits

  • Capital guaranteed
  • Immediate availability
  • Free deposits, at any time

Who is it for?

Anyone wanting a precautionary savings reserve.

How it works

  1. 1

    Opened online in a few minutes.

  2. 2

    Free deposits and withdrawals from the client area.

Conditions
  • No minimum amount required
Required documents
  • Proof of identity
Frequently asked questions
Does this savings account earn interest?

Yes, a modest rate applies, shown before opening.

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Individual

Project savings

Saving toward a dated, costed goal.

Project savings help reach a target amount by a set date: a trip, a wedding, a big purchase, with visual progress tracking.

Benefits

  • Costed, dated goal with visual tracking
  • Adjustable scheduled deposits
  • Alert if the saving pace drifts from the goal

Who is it for?

People with a concrete project to fund.

How it works

  1. 1

    Setting the target amount and deadline.

  2. 2

    Automatic calculation of the required monthly deposit.

  3. 3

    Progress tracked in the client area.

Conditions
  • No minimum amount required
Required documents
  • Proof of identity
Frequently asked questions
What if I don’t reach the goal in time?

Nothing automatic: the deadline can simply be adjusted in the client area.

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Individual

Housing savings

Preparing a future property purchase or renovation.

Housing savings build up a deposit for a future property purchase, with regular deposits and visibility on future borrowing capacity.

Benefits

  • Builds the personal contribution for a future mortgage
  • Regular deposits can be automated
  • Simple bridge to a mortgage simulation

Who is it for?

People preparing a medium-term property purchase.

How it works

  1. 1

    Setting a target deposit amount.

  2. 2

    Scheduling regular deposits.

  3. 3

    Introduction to a mortgage adviser when the time comes.

Conditions
  • No minimum amount required
Required documents
  • Proof of identity
Frequently asked questions
Does this commit me to borrowing from you?

No, it remains free savings, with no loan commitment.

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Individual

Retirement savings

Building an extra income for later.

Retirement savings build capital over the long term, intended to supplement income after work ends, over a horizon of several years.

Benefits

  • Long-term horizon, suited to building capital
  • Free or scheduled deposits
  • Simulation of the estimated extra income

Who is it for?

Working adults wanting to plan ahead for retirement.

How it works

  1. 1

    Simulation based on age and desired horizon.

  2. 2

    Choosing the deposit pace.

  3. 3

    Annual review of the capital projection.

Conditions
  • Be working or able to save regularly
Required documents
  • Proof of identity
Frequently asked questions
Can I withdraw this savings before retirement?

Early release cases exist; they are detailed at subscription.

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Individual

Child savings

Saving in a child’s name, for their future plans.

Child savings are opened by a legal guardian in a minor’s name, to prepare for a driving licence, studies or a first home.

Benefits

  • Can be opened from birth
  • Deposits possible from several family members
  • Transferred to the young adult at 18

Who is it for?

Parents, grandparents or legal guardians of a minor.

How it works

  1. 1

    Opened by a legal guardian, in the child’s name.

  2. 2

    Free deposits by authorised family members.

  3. 3

    Account transferred to the young adult’s name at 18.

Conditions
  • Minor child, opened by a legal guardian
Required documents
  • Family record book or birth certificate
  • Legal guardian’s proof of identity
Frequently asked questions
Can the child withdraw money alone?

No, management belongs to the legal guardian until the child turns 18.

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Business

Corporate savings

Investing a company’s surplus cash.

Corporate savings let a company invest surplus cash short to medium term, without tying it up in an investment project.

Benefits

  • Puts otherwise idle cash to work
  • Availability matched to the company’s needs
  • Tracking integrated into the business area

Who is it for?

Companies with surplus cash.

How it works

  1. 1

    Reviewing short-term cash needs.

  2. 2

    Choosing a product suited to the investment horizon.

  3. 3

    Tracking and adjustments from the business area.

Conditions
  • Registered company
Required documents
  • Registration extract
  • Proof of legal representatives
Frequently asked questions
Is this compatible with seasonal activity?

Yes, several availability horizons can be combined.

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Individual Sole trader

Scheduled deposits

Automating savings so you don’t have to think about it.

Scheduled deposits automatically transfer a chosen amount to a savings product, at a set frequency, so you save effortlessly.

Benefits

  • Set up in a few clicks
  • Adjustable or pausable at any time
  • Compatible with every savings product

Who is it for?

Anyone wanting to save regularly and automatically.

How it works

  1. 1

    Choosing the target product, amount and frequency.

  2. 2

    Online validation, no further steps.

  3. 3

    Adjustable at any time from the client area.

Conditions
  • Hold a current account and a savings product
Required documents
  • No additional document
Frequently asked questions
Can I temporarily pause a scheduled deposit?

Yes, in one click from the client area, no justification needed.

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Your profile

Browse the other service families.

Accounts

Current, savings, premium, student, joint, sole-trader, business.

Loans

Personal, mortgage, auto, student, professional, business.

Savings

Standard, project, housing, retirement, child, business.

Insurance

Home, auto, health, travel, borrower, professional.

Investing

Investments, stocks, bonds, funds, advice, responsible investing.

Funding & grants

SMEs, startups, non-profits, agriculture, innovative projects.
Benefits

Savings you can read, with no surprise on exit.

Stated availability

Each solution states whether funds are available at any time or locked.

Flexible contributions

Free or scheduled contributions, adjustable at no cost.

Tracked goals

Each envelope is tied to a goal, with its progress shown.

Separated uses

Emergency, project and long-term savings stay separate.

Transparency

Displayed yields are orders of magnitude, never promises.

Advice on request

An advisor helps split savings across horizons.

How it works

Five steps, nothing left unclear.

1

Discover

Clarify the goal and the savings horizon.

2

Choose

Choose the envelope matching that horizon.

3

Apply

Set the initial and regular contributions.

4

Review

File check and opening of the envelope.

5

Confirm

Progress tracking and adjustment when circumstances change.

Key information

Conditions and documents to prepare

Conditions

  • Hold an account with the institution.
  • Meet the minimum initial contribution of each solution.
  • Some envelopes impose a lock-up period.
  • An early withdrawal may reduce the expected benefit.
  • Corporate savings require a registered entity.

Documents that may be required

  • Identity document and proof of address.
  • Details of the account to be debited.
  • Proof of status for regulated envelopes.
  • Direct debit mandate for scheduled contributions.
  • Articles and registration for corporate savings.

Academic mock-up. The conditions, amounts and terms shown are fictional and carry no contractual value.

FAQ

Frequent questions about savings

Does my money stay available?
It depends on the envelope: emergency savings stay available, long-term savings may be locked. Availability is shown on each sheet.
How much do I need to start?
Scheduled contributions let you start with small regular amounts rather than a large initial capital.
Are yields guaranteed?
No. The figures shown are fictional and educational; no yield is promised in this mock-up.
Can I change my contributions?
Yes, the amount and frequency of scheduled contributions can be changed from the customer space, free of charge.
How do I split across solutions?
A simple rule: emergency first, dated projects next, long term last. An advisor can refine that split.
See the general FAQ
Take the next step

Give your savings a goal.

Estimate an indicative progression, then open the matching envelope.

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