You're looking foronline bankingThe most reliable? You're not alone, many French people ask the same question to calmly digitize their bank account. Online banks have grown in popularity in France in recent years. This enthusiasm for neo-banks is due to the innovative services they offer compared to traditional banks. In this article, we explore the most reliable online banks of the moment.
Boursorama Bank: popular and economic
Boursorama Bank is often considered the cheapest online bank due to its attractive rates and positive customer reviews.
Why choose Boursorama Bank
Boursorama Bank is appreciated for its low rates and comprehensive banking services. Visa cards are free without revenue conditions, and the mobile app is intuitive and constantly improving to offer optimal account management.
With more than 3 million clients, Boursorama Bank is one of the most popular online banks. She was elected online bank « cheaper » on several occasions thanks to its competitive prices. More than 90% of customer reviews are positive, attesting to overall satisfaction.
The various offers of Boursorama Bank
Boursorama offers several offers adapted to different profiles:
- Welcome: Free Visa card without income condition.
- Ultim: High-end Visa card also free without income condition.
- Ultim Metal: Metal Visa card with a minimum payment of 500 €
During the use of these offers, customers benefit from free withdrawals in the euro area as well as free payments. Account management can be done easily via a user-friendly mobile application.
Feedback from users
Here are some satisfied customer reviews:
I have been with Boursorama for two years and am very satisfied with the services and mobile app. – Nicolas, Paris
The fees are really low, and I find it very convenient to manage my finances. – Julie, Lyon
Orange Bank : Security and transparency
Orange Bank is appreciated for its quality service, clear prices without hidden fees and its community of over 1,700,000 customers.
Account Options at Orange Bank
Orange Bank offers three types of bank accounts:
- Standard: Ideal for those who want to save money, with a free card offering euro area payments and withdrawals at no cost.
- Premium: 7,99 € per month (4.99 € for the first 6 months), with free international withdrawals and payments and a 10% refund on purchases at Orange.
- Premium Pack: designed for families, including up to 5 accounts.
Advantages of choosing Orange Bank
Orange Bank relies on enhanced security for bank cards, especially when paying online. The mobile app is intuitive, it allows complete account management. With more than 280 physical agencies, customer service is close and efficient.
Feedback from users
Customers of Orange Bank share their views:
Customer service is always available and effectively meets my needs. – Mathieu, Lille
The fees are clear and transparent, I never had any bad surprises. – Isabelle, Nantes
Hello Bank: an extension of BNP Paribas
Hello Bank offers a full range of banking services and has over 2,000 physical points for deposits.
Hello One and Hello Prime offers
Hello Bank offers two main offers:
- Hello One: Visa card without income and without account fees. Foreign withdrawal costs are 1.5% of the amount.
- Hello Prime : asks for a minimum income of 1000 € with a cost of 60 € per year. Offers a premium Visa card with free withdrawals and payments everywhere.
Often benefit from 80 euros for opening an account with welcome offers.
Savings and management at Hello Bank
Hello Bank saves compared to traditional banks, with an average of 200 € bank charges saved. Deposits can be made in 2000 physical points and the Visa card can be easily blocked via the application.
Feedback from users
Hello Bank users agree:
An excellent bank for travellers, very convenient with deposit points. – Hugo, Bordeaux
Savings on bank charges are significant. – Eloïse, Strasbourg
Fortuneo: Performing and diverse
Fortuneo, a subsidiary of Crédit Mutuel Arkéa, offers a wide range of banking products and competitive packages.
The three cards of Fortuneo
Fortuneo offers three types of cards:
- Fosfo: unconditionally accessible, totally free.
- Mastercard: requires a minimum income of 1200 euros.
- Gold Mastercard: requires a minimum income of 1,800 euros.
Banking and mobile application
Customers can manage their accounts via an intuitive mobile app and benefit from various banking services, including stock exchange products, insurance and credit.
Client returns
The testimonies highlight the strengths and weaknesses:
Management fees are very low and the application is really ergonomic. – Clara, Toulouse
Income conditions can be a barrier to access premium cards. – Lucas, Marseille
To identify the most reliable online bank, ourcomparison of online banks: which one to choose this year?guide you by analysing the offers and services available.
To learn more about Floa Bank's assets, discover ourFloa Bank Opinion: Is this really number one on rates?.
Monabanq: Accessible and pragmatic
Monabanq is known not to require income conditions to access its bank card offers.
Monabanq's banking packages
Monabanq offers several pack options:
- Pratiq+ packs: accessible from 3€/month.
- Uniq Packs: accessible from 6€/month.
- Uniq+ packs: accessible from 12€/month.
Why choose Monabanq
Monabanq is distinguished by the lack of income conditions and responses adapted to various client profiles. Clients can make cash and cheque deposits in the Crédit Mutuel and CIC agencies.
Feedback from users
The following are the opinions:
A very available and responsive customer service. I highly recommend. – Sophie, Rennes
Accessibility without income conditions is a real plus. – Marc, Tours
Comparison of Welcome Offers and Fees
Compare the welcome offers and fees of different banks online to find those that offer the best value for money.
Welcome offers
The following is a comparative table of welcome premiums:
| Bank | Welcome premium | Conditions |
|---|---|---|
| Boursorama Bank | Up to 150 € | First payment of 300 € minimum |
| Fortuneo | Up to 250 € | First payment and use of the card |
| Monabanq | Up to 240 € | First payment and subscription to the bank mobility aid service |
| Hello Bank | 80 € | First payment |
| Orange Bank | 10 € | Use of credit card |
Account management fees and conditions
The following is a comparative table of fees:
| Bank | Accountancy costs | Foreign withdrawal costs | Payment fees abroad |
|---|---|---|---|
| Boursorama Bank | Free | Free | Free |
| Fortuneo | Free | Free | Free |
| Monabanq | 3 € | Free (Uniq+) | Free (Uniq+) |
| Hello Bank | Free | 1.5% of the amount | Free |
| Orange Bank | Free | Free (Premium) | Free (Premium) |
FAQ: Answers to common questions
Frequently asked questions to answer frequent questions from users interested in online banks.
Which is the cheapest online bank?
Boursorama Bank is often cited as the cheapest online bank thanks to its competitive rates and positive customer feedback.
Can we open an income-free account at online banks?
Yes, some banks such as Monabanq offer credit cards without conditions of income.
What are the costs for operations abroad?
Fortuneo and Boursorama offer free withdrawals on foreign operations under certain conditions.