Best Free Online Banks
Discover online banks that revolutionize the banking sector with free services and attractive bonuses.
Boursorama Bank
Boursorama Bank is among the cheapest in the euro area. It offers various free services: account management, international transactions outside the euro area, and Visa Ultim and Visa Welcome cards in debit mode.
- Free account
- Free transactions outside the euro area
- Free credit and debit cards
- Opening of account without charge
- Efficient web and mobile applications
To maintain free payment, at least one transaction per month is required, otherwise a contribution of 9 euros will be applied. If your account remains inactive, there are relatively high management fees. However, the welcome premium can reach 150 euros.
Boursorama Bank's clients are very satisfied, with nearly 4 million members.
Hello Bank
Hello Bank offers two free bank cards as soon as the account is opened: Visa Hello One for individual accounts and Visa Classic or Visa Premier for collective accounts. Hello One is accessible without conditions of income, while Hello Prime requires a monthly income of 1000 euros.
- Free account management
- Free transactions with BNP Paribas
- Innovative mobile application
Hello Bank cards target two audiences: Hello Prime is for employees and Hello One for young people. The welcome premium can reach 160 euros.
Orange Bank
Orange Bank adapts its offers to different profiles: a free option for students and teenagers with a simple MasterCard card, and a premium offer for employees with a monthly fee of 8 euros and a MasterCard Premium card.
- Free MasterCard for students
- Premium MasterCard with 8 Euro/month fee
- Free withdrawals and deposits abroad
- Included travel guarantees
Orange Bank does not require any income conditions and offers an equally interesting welcome bonus.
BforBank
BforBank offers free Visa Classic and Visa Premier cards, as well as many free services: account management, deposits and withdrawals, online payments, and mobile payment via Apple Pay.
- Free standard banking services
- Visa Classic or Premier card toll free
- Applications to manage your finances
To keep free, you have to do more than three transactions per month, otherwise a contribution of 3 euros will be applied. BforBank is valued for its premium offers and quality customer service.
Fortuneo
Fortuneo is very popular in France, offering unconditional services and an efficient mobile app. Fosfo offers a free Visa or MasterCard card.
- Fosfo card without income condition
- Free international transactions and payments
- Management fees among the lowest in the market
- Ergonomic mobile application
Fortuneo also offers Gold Mastercard and World Elite Mastercard cards for free transactional premium profiles abroad. The welcome fee can be up to 200 euros.
Free credit card comparisons
Comparison table of free bank cards offered by online banks, with payment ceilings, income conditions and welcome premiums.
Free bank card comparison table
| Bank | Bank Card | Payment ceiling | Income conditions | Welcome premium |
|---|---|---|---|---|
| Boursorama Bank | Ultim Visa | 6000€ /month | None | Up to 150€ |
| Fortuneo | Fosfo Mastercard | 2000€ /month | None | Up to 160€ |
| Hello Bank | Visa Hello Prime | 3000€ /month | 1000€ /month | Up to 160€ |
| Orange Bank | MasterCard Premium | 4000€ /month | None | Up to 80€ |
| BforBank | Visa Classic | 1500€ /month | None | Up to 80€ |
Details of fees abroad
Foreign fees for each bank vary. The following is an analysis of the fees applied:
- Boursorama Bank: free for 3 withdrawals per month, then 1.69% per withdrawal
- Fortuneo: free transactions and payments, free and unlimited withdrawals
- Hello Bank : 1.5% charge per withdrawal outside the euro area
- Orange Bank: Free withdrawals and deposits
- BforBank: 1.95% of costs per withdrawal
Among banks, Fortuneo and Boursorama Bank offer the best rates for international transactions.
Welcome bonuses from online banks
Welcome bonuses offered by online banks to attract new customers.
Welcome premiums per bank
Comparison of welcome premiums offered by major online banks:
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To avoid bad surprises, discover our tips in this article dedicated to afree bank: 6 tips to choose without hidden fees.
- Boursorama Bank : Up to 150 euros
- Fortuneo: Up to 200 euros
- Hello Bank : Up to 160 euros
- BforBank : Up to 80 euros
- Orange Bank : Up to 80 euros
Conditions for receiving these premiums vary; In general, a first deposit must be made and several transactions must be carried out within the first months after the account has been opened.
Free online bank FAQs
Answers to frequently asked questions about free online banks.
When will I receive my welcome bonus?
The welcome premium will be paid within a maximum of 2 months of the opening of the account, subject to compliance with the conditions.
What are the advantages of an online bank?
Fees are often lower, with more competitive interest rates and simplified management via mobile or web.
What conditions to open an account?
No revenue conditions and the opening procedure is fast via mobile or online.
Why are online banks cheaper?
Online banks do not have a physical network, which reduces their operating costs and allows for lower bank charges.
Open an account, how long does it take?
Account opening can take a few minutes, subject to validation of the information provided.