Boursorama: a complete offer for all profiles
Boursorama is often seen as the reference online bank in France. Let us explore its distinctive features and offers.
Bank card offers
Boursorama offers several types of credit cards tailored to different needs:
- Welcome: This Visa Classic card is free under conditions and ideal for ordinary users.
- Ultim: A free premium card abroad.
- Ultim Metal: Very high-end card offering important insurance and ceilings.
Opening conditions and bank charges
To open an account at Boursorama, there is no minimum deposit amount required. Accountancy fees are zero and current transactions (transfers, levies) are free of charge. Withdrawals and payments abroad are virtually free of charge with Ultim and Metal cards.
Additional services and benefits
Account management is facilitated by a powerful mobile application. Boursorama also offers insurance products, real estate loans and attractive savings books. Clients benefit from included budgeting tools.
Fortuneo: Ideal for travellers and investors
A subsidiary of Crédit Mutuel Arkéa, Fortuneo is distinguished by its competitive offers and services dedicated to travellers and investors.
Choice of bank cards
Fortuneo offers several free credit cards:
- Fosfo: Without income conditions, perfect for young people and frequent travellers.
- Gold Mastercard: Perfect for travellers with its extended benefits and insurance guarantees.
Specific costs and benefits
No fees for payments and withdrawals abroad with Gold and Fosfo cards. Zero account charges and an overdraft allowed at competitive rates.
Additional services
Fortuneo offers comprehensive services including savings books, real estate credit, and a full stock exchange offer (CTO, PEA). The mobile app includes an account aggregator and tools to manage its finances.
Hello bank: accessible and connected
Hello bank!, a subsidiary of BNP Paribas, offers easy access to an online bank allowing many banking operations, while benefiting from BNP Paribas' physical network.
Bank Card Options
Hello bank! offers two main bank cards:
- Hello One : Free without income condition.
- Hello Prime : 5 €/month with premium benefits.
Conditions and charges
No account management fees, but fees for withdrawals abroad with Hello One (1.5% of the amount). All basic services are free for Hello Prime.
Compatibility and services
The mobile app offers excellent ergonomics and integrated budget management tools. Hello bank! also allows the management of cash deposits via BNP Paribas agencies.
Monabanq: People before money
Monabanq stands out for its human approach and its accessible offers without conditions of income, but with account keeping fees.
Credit cards and fees
Monabanq offers several paid offers:
- Pratiq+: 3 €/month.
- Uniq: 6 €/month.
- Uniq+: 12 €/month. All include a Visa Classic or Visa Premier card for Uniq+.
Offers and conditions
No income requirement is required to open an account. Savings books and credits are also available. Accountancy costs (3-12) €/month) and certain costs for online operations.
Services and benefits
Deposits of cash and cheques are possible in the agencies of Crédit Mutuel. The mobile application offers functions of ceiling modification and budget management.
Best Online Banks Comparison Table
This comparative table will give you an overview of the main features and banking offers of the best online banks.
Comparison of bank offers
| Bank | Accountancy costs | Cartes bancaires | Income conditions | Foreign expenses | Additional services |
|---|---|---|---|---|---|
| Boursorama | Free | Visa Classic, Ultim, Ultim Metal | No | Free (Ultim, Ultim Metal) | Insurance, credit, savings books, budgeting tools |
| Fortuneo | Free | Fosfo, Gold Mastercard | No | Free | Insurance, credit, account aggregator, budget management |
| Hello bank! | Free | Hello One, Hello Prime | No | Hello One fee (1.5%) | Insurance, credit, cash deposit, budget management |
| Monabanq | 3-12 € | Pratiq+, Uniq, Uniq+ | No | Costs (Free Uniq+) | Insurance, credit, active deposits, budget management |
Frequently Asked Questions about Online Banks
To answer your most common questions about online banks, here is a list of answers to frequently asked questions.
To choose the best online bank tailored to your needs, check out our full guide ononline bank : 8 key points to compare and choose the one that fits your use.
If you are looking for an alternative with excellent credit conditions, consult thisFloa Bank reviews: Is this really the #1 on rates.
To find out if Boursorama is really the best option, check out thisOnline banks comparison: which one to choose this year.
What is the minimum amount to open an account?
Most online banks do not require a minimum deposit to open an account. However, some bank cards may require minimum monthly revenues.
What are the guarantees offered by the cards?
Premium cards such as Gold and Premier offer extensive guarantees such as travel insurance, medical assistance, and coverage in case of loss or theft of personal effects.
Are mobile and digital services efficient?
Most online banks offer intuitive and complete mobile apps, compatible with the main mobile payment systems (Apple Pay, Google Pay, etc.).
Feedback from users
User opinions and recommendations are valuable in measuring the satisfaction and quality of services offered by online banks.
Boursorama
Users especially appreciate the diversity of products and the ease of managing accounts via the mobile app. Low fees and premium credit card offers are also popular.
Fortuneo
Fortuneo is renowned for its passenger services and competitive stock exchange management offers. Free bank cards and reduced fees abroad are a real asset.
Hello bank!
The opinions highlight the simplicity and accessibility of Hello bank!, as well as the advantages of being able to use the BNP Paribas network for cash deposits and physical agency services.
Monabanq
Monabanq customers appreciate their customer-centered approach and the accessibility of their offers without any conditions of revenue, despite monthly account fees.