Nickel is a French neobank that revolutionizes the way users contract financial products. Although the original idea was born in 2012, it was only in 2014 that the official launch of this particular bank took place. This financial entity is associated with the Buralists, which allows clients to have a bank account at hand with which to deposit and withdraw money. Given the ease of access to Nikel bank accounts, it is natural to wonder whether these are really current accounts.
What is a Nickel account?: a current account?
Yes, a Nickel account is a current account set up by the Nickel online banking service. The online bank Nickel offers its accounts with an associated RIB and a MasterCard debit card, without asking for income, deposit or wealth conditions. Indeed, it is a bank account whose opening can be made in less than five minutes online or in a lottery or buralist in France as well as abroad.
If you need a online bank account to house your payments and banking services, you can do so without any problem and you will not have to pay a euro for it. In addition, the bank offers its customers an interactive and comprehensive mobile app. From there, customers can manage their bank account and conduct online bank transfers or transfers. Cash withdrawal and deposits, on the other hand, are based on Nickel points. These Nickel points can be found on the Google search engine by searching « Nickel Point » directly on Google Maps.
What products are offered by the online bank Nickel?
Bank account Nickel
The opening of a Nickel account offers customers a RIB and a Mastercard debit card and can be done in 5 minutes. It allows bank customers to make a withdrawal or deposit money in lottery stores or buralists.
You can make bank transfers abroad (in the euro area) without additional tariffs and international bank payments, directly from the application. In addition, this bank account offers easy control of your money via the mobile app or Nickel website.
Bank cards Nickel
The Nickel Debit MasterCard can be used anywhere, shop online and make withdrawals at all ATMs in France and the EU. Fees or tariffs in these cases are stipulated by the bank that governs the ATM. Nickel offers four types of bank cards:
Nickel Classic Card
This Nickel card has no issue costs and would include free banking services from the Nickel current account.
My Nickel card.
The My Nickel card has a cost of issue of 10 euros, which adds to the 20 euros of bank account keeping charges. Additional services would include:
- Personalised card with customer name;
- Choose the colour of the map from: bordeaux, lavender, pearl grey, marine grey, white.
Premium Nickel Chrome Card
The cost of issuing or renewing the Nickel Chrome card is 30 euros and the additional services to the previous ones would be:
- Personalised card with customer name;
- You can choose the color of your card: black, silver, gold or orange;
- Free card payments worldwide;
- Special rates for cash withdrawals abroad with the payment card.
Nickel Metal Map
The cost of issuing or renewing the Nickel Metal payment card is 80€ and the services offered would be:
- Custom card with customer name
- Exclusive metal card
- You can choose the color of your Metal card: black, silver, gold or orange.
- Free card payments worldwide
- Special rates for foreign cash withdrawals.
It is important to mention that the funds to use the card come from the Nickel account to which it is linked. In this sense, there is no risk of discovery of the credit card and its limits can be customized at any time.
How do I open a Nickel account?
To open an online account at Nickel Bank, you must visit their website and click on « Open an account ». You will need to enter your personal and tax data and sign the contract for opening your account. You will then receive a text message containing a 5-digit code, which you can keep for up to 30 days.
After this step, you will have to go to a point of Nickel Bank, the one that suits you best, to complete the activation of Nickel Bank Account and recover the MasterCard. Remember that you must bring your ID (ID card or passport), 20€ to pay the first year subscription, and SMS code.
After the Nickel bank account is activated, you will receive a ticket with your RIB, which serves as an account certificate. You can check the RIB of your account in the application whenever you want. You will also receive a text message with the PIN code of your card and the turn is played.
Drafting opinion
Nickel is an entity that aims to develop a culture of proximity and trust with its customers. It is a banking service created to be marketed in local shops. There is no doubt about the great possibilities and opportunities this online bank offers.
The Nickel account is a current account that really adapts to the needs of the French public. For example, if it is your first bank account, it is ideal to start in the world of financial products and services. Basically, because it has everything and you can save a lot on fees and rates.
In addition, its MasterCard debit card is available in two forms. The basic plan costs 20 euros per year and the Premium plan costs 30 euros plus free insurance. Not to mention the incredible app that puts all the functions of a bank on your mobile.