The APY application is intended for Crédit Agricole du Nord Est customers aged 18 to 30. And good news, Mozaïc customers aged 12 to 17 can also access it and find all their Mozaïc advantages.The APY application is your banking universe. It gives you access to: - The management of your accounts and the payment between friends thanks to the applications: o My bank and Mobile payment. - The APY line: for APY customers aged 18 to 30, find all the means to contact your bank (telephone, SMS, emails, WhatsApp, Instagram). - The ticket office: you can buy your cinema tickets but also your access to various events in the territory, at preferential rates thanks to our partnerships. - Mozaïc good plans and advantages for our customers aged 12 to 17: take advantage of reductions, promotions or tips valid with many local partners. - News from the territory: articles to inform you but also to advise you in your daily life as a young Marnais, Ardennais or Axonais.Thanks to the APY application, you can also take advantage of Youzful: the platform for guidance and employment for young people. Which direction to choose? Find an internship, a job or even start a business? Need support in your student life? Do you want to meet professionals to better understand working life? Youzful is your springboard to the future!The APY application is waiting for you and just like you, it will evolve to better meet your needs. Join us and discover YOUR universe! So APY?