Presentation of banks
In this section, we will examine two major online banks, Monabanq and Fortuneo, based on various criteria such as credit offers, bank card rates, account-keeping fees and savings solutions. This information will help you choose the bank best suited to your needs.
Monabanq
Monabanq is distinguished by a varied and accessible offer, with particular attention to the quality of customer service.
- Credit offer : Monabanq offers a consumer credit offer, which can be a major advantage for those seeking to finance personal projects.
- Bank card rates :
- Visa Classic : 24 € per year
- Visa First : 36 € per year
- Platinum Visa : 9 €/month (Visa Premier), 20 €/month (Visa Infinite)
- Accountancy costs : Subscription fee is 2 € per month.
- Savings solutions : Monabanq offers classic booklets such as Book A and LDDS, as well as a Young Book, unique to this bank.
Monabanq is often greeted for the quality of customer service, which can make a big difference for users who appreciate fast and efficient support.
Fortuneo
Fortuneo, for its part, is distinguished by its free bank cards under certain conditions of income or savings, as well as a complete and competitive offer.
- Credit offer : Unlike Monabanq, Fortuneo does not offer consumer credit. However, it offers free real estate loans, an interesting option for future owners.
- Bank card rates :
- MasterCard Classic : Accessible from 1200 € net monthly income or 5000 € saving
- Gold MasterCard : Monthly net income from 1800 € or 10,000 € saving
- World Elite MasterCard : Available from 4000 € Net monthly income
- Accountancy costs : Bank cards are free of charge, provided they meet the required income or savings thresholds.
- Savings solutions : Fortuneo offers savings products similar to those of Monabanq, such as Book A and LDDS, but does not offer Young Book.
Fortuneo is renowned for offering a full range of services free of charge, which can be very attractive for those who seek to maximize their savings on bank charges.
In conclusion, the choice between Monabanq and Fortuneo will depend on your specific needs, whether in terms of credit, bank card rates or savings services. Monabanq is ideal for those who need consumer credit and enjoy excellent customer service, while Fortuneo attracts those looking for free solutions and a full range of banking services.
Banking services
The banking services offered by Monabanq and Fortuneo differ significantly. Each online bank has its particularities, from account keeping fees to credit offers.
Bank accounts and cards
The bank accounts and maps are essential elements to consider. Monabanq and Fortuneo offer a variety of services to meet the needs of their customers.
Monabanq offers several types of bank cards with annual fees:
- Visa Classic : 24 € per year
- Visa First : 36 € per year
- Platinum Visa : 9 € per month (Visa Premier), 20 € per month (Visa Infinite)
However, Fortuneo offers free bank cards under certain income or savings conditions:
- MasterCard Classic : available from 1200 € net monthly income or 5000 € saving
- Gold MasterCard: monthly net income of 1800 € or 10,000 € saving
- World Elite MasterCard: available from 4000 € Net monthly income
Accountancy fees also differ. At Monabanq, a subscription of 2 € per month may be required. On the other hand, Fortuneo's bank cards are free of charge if income or savings conditions are met.
Credit offers
Credit offers are another point of divergence between Monabanq and Fortuneo. Monabanq is distinguished by its proposal of consumer credit, a service that Fortuneo Don't propose.
Instead, Fortuneo focuses on real estate loans, which it offers without charge. This specificity can be an advantage for those seeking to finance a real estate purchase without any additional costs.
In summary, the choice between Monabanq and Fortuneo will largely depend on the specific needs of credit, bank cards and account-keeping fees. Each of these online banks has distinct advantages that can match different user profiles.
To help you split Monabanq and Fortuneo, discover our full analysis to find out which is the best online bank.
To deepen your comparison between Monabanq and Fortuneo, discover our guide on online bank : 8 key points to compare and choose the one that fits your use.
To better compare Monabanq and Fortuneo, discover our full guide to the best French bank online.
Savings solutions
When choosing an online bank, the savings solutions offered are an essential criterion. Monabanq and Fortuneo offer various options to save efficiently. Let us analyse in detail the offers available at these two establishments.
Monabanq
Monabanq is distinguished by a varied range of savings products, adapted to different saving profiles.
- Book A and LDDS : These regulated booklets are available and offer optimal security with a defied saving.
- Young Booklet : An exclusive product in Monabanq, intended for young people aged 12 to 25, with advantageous conditions.
- Securities and PEA accounts : For investors wishing to invest in stock exchanges, these accounts allow for diversification of investments. The transfer fees are identical to those of Fortuneo, namely 15 € per line.
In addition to these products, Monabanq offers affordable savings solutions with customer service renowned for its quality. This can greatly facilitate steps and advice to optimize your savings.
Fortuneo
Fortuneo also offers a full range of savings solutions that address various financial needs and objectives.
- Book A and LDDS Similar to those offered by Monabanq, these accounts allow secure and defied savings.
- Securities and PEA accounts Available for those wishing to invest in shares and other financial securities. The transfer fees are identical to those of Monabanq (15 € by line).
Fortuneo is distinguished by a free offer on bank cards, under certain conditions of income or savings, and efficient investments, making it an attractive option for investors. In addition, the absence of a case fee for real estate loans may be an additional benefit for clients wishing to invest in real estate.
In summary, whether you choose Monabanq or Fortuneo, you will find savings solutions tailored to your needs. Monabanq offers an interesting option with the Young Booklet, while Fortuneo seduces by its attractive conditions on bank cards and efficient investments. It is crucial to define your financial goals well to choose the offer that best meets your expectations.