Several banking services, some as diverse as others, allow you to enjoy the benefits of a traditional bank. This is the case, for example, of the Nickel service created in France by the company Financière des Payments Electroniques in 2014. It is a service that plays the role of a traditional bank account very well.
This service gives its users the opportunity to carry out their operations such as the creation ofNickel accountor reloading it with buralists. What is a Nickel account? What name best suits the accounts of this new generation of banks and how does Nickel position itself against traditional bank accounts? That is precisely what we will try to answer in the continuation of this article.
What's the Nickel account?
In France, a bank account system without a bank was created in 2014. This is the Nickel account or just Nickel. It is a French service created by FPE Electronic Payments Financial. Nickel is a neobank and an alternative to the traditional bank accounts we know.
You can have a box for a Nickel account with a minimum of 20 euros only representing the annual fee. In addition, it is a current account that you can create very quickly with a buralist. You just need to give your phone number and ID.
Is the Nickel account a current account or savings account?
With the Nickel service, you have several types of accounts that are all current accounts. There is the classic Nickel account on which fees apply. The Nickel account named Chrome whose card allows you to make free payments abroad. You can also benefit from free payment and withdrawal with the Nickel Metal account card.
You have the opportunity to go to a tobacco office to open your Nickel account, or to create your online account to benefit from a reduction in thebank charges. By creating a nickel account, you will receive a box in which you will find your Mastercard payment card, an account and a French RIB.
Similarly, fees may apply in your transactions such as cash withdrawals. In case of intensive use, these fees could accumulate.
Nickel account is an online bank account
The Nickel service unlike traditional banks is an e-bank and is therefore mainly based on the Internet. The main purpose of this service is to create an account without a bank, but above all without constraints.
The Nickel service offers many benefits to its customers. In fact, natural persons aged at least 12 years can take advantage of the Nickel service which is open to them without the possibility of overdraft or credit and without taxation of minimum income. If you're a bank ban, the Nickel account is for you. The same applies if you do not have a sufficient income condition.
Despite its advantages, the Nickel service also has shortcomings. For example, you are not allowed to be out in your Nickel account. To make some transactions or to create your account, you may encounter some difficulties of availability of equipped tobacco office. Indeed, the number of buralists with Nickel terminals is still low.
Also, Nickel's customer service can often be unavailable. Many customers report that they arrive at Nickel's customer service quite difficult.
How to open a Nickel account?
You can create or open your Nickel account in two different ways. The first is to go directly to a tobacco office to create your Nickel account with a buralist.
The second option is to visit Nickel's website where you can start the Nickel account opening process. Then you will have to go to a tobacco office to finalize your operation.
Take a walk to a competent tobacco office to open your Nickel account. One of the available boxes is available. This will contain a Mastercard card and allow you to pay your annual subscription. Follow the instructions by attaching the scan of your ID in the tobacco office. Then fill in your information and activate your account to have your RIB. You will then receive your confidential code by SMS.
For an opening on the internet, go give your information on Nickel's online form. You will have to enter your phone number and be identified using one of your IDs. You will then receive by SMS a validation code that you will communicate in a tobacco office. After payment of the fee, a box and your RIB will be offered with your PIN code.
Nickel customer space
If you have a problem with your Nickel account or when using your Mastercard card or if you want to make a claim, you have the option to contact customer service. Also, if you need any help, you can reach Nickel by phone or via the Internet by connecting to your customer area.
If this is the first time you connect to your customer area, you must enter your received code by message and create a 6-digit confidential code to access the account. For a later connection, you will only need to enter your 10-digit ID at the back of your Nickel card.
To call customer service, the customer has to contact the mobile phone number 01.76.49.00.00 from 8:30am to 7pm every business day and Saturday from 9am to 6pm. If you prefer to join them on the web, you can leave a message on the Nickel web forum to pose your problem and get the right answers. You can even contact them directly in case of dissatisfaction or complaint via their online form.
Drafting opinion
Nickel Bank is an online banking service. It is a neobank offering the same services as a traditional bank. You can enjoy the benefits of this account service without a bank by creating an account. In case of problem, complaint or other need for assistance or information, contact the customer service by telephone, online or by mail.
Nickel is a bankless account service, a neobank with the same advantages as a traditional bank. You can create your Nickel account in a licensed tobacco office with the possibility of starting the procedure remotely. To contactNickel customer service, you can make a phone call, contact them on the net or send them a mail to their address or email.