Opening a bank account is a key step in financial management for all, whether for an individual or a company. Finding the right bank allows you to enjoy the best offers and services tailored to your daily and professional needs.
Online bank Boursorama
Boursorama is known for its online bank accounts, with free Visa cards. Let's see what offers and benefits it offers.
Bank Card Options
Boursorama offers four free Visa bank card options, each designed for specific needs:
- Ultimate Visa: Premium card, free of charge, offering many insurance and international services.
- Visa Classic: Standard card with payment and withdrawal options.
- Visa First: For those looking for more credit and insurance options.
- Visa Welcome: Ideal for users with few monthly transactions.
Ultimate Visa
Boursorama's Ultimate Visa Card is a prestigious free online card that offers all the insurance and assistance of a Visa Premier card.
Opening conditions and fees
Opening an account at Boursorama is free of charge and without income criteria, offering great flexibility. Only inactivity charges may apply to certain cards if they are not used.
Services included
Boursorama's banking services include:
- Current accounts
- Offers for young people
- Pro accounts
- Assurances
- Savings
- Scholarship
Additional benefits
In addition, Boursorama offers:
- Account management via a mobile application
- Free international transfers
- Dedicated customer support
Monabanq Online Bank
Monabanq is an online bank for individuals and auto-entrepreneurs, recognized for its four types of bank accounts and its flexibility.
Types of bank accounts
Monabanq offers four account services: Pratiq, Pratiq+, Uniq, Uniq+, each with an adapted Visa card.
Pratiq and Pratiq+
Pratiq and Pratiq+ accounts offer basic services with additional options such as free transfers and levies.
Services and products offered
Monabanq offers a variety of products including:
- General accounting
- Insurance: life, car, housing, health, death and unemployment
- Savings
- Crédits
- Services for young people and self-employed entrepreneurs
Fees and conditions
Monabanq has no income requirement to open an account, and its monthly fees are lower than those of many traditional banks.
Hello Bank
Hello Bank, the online bank of BNP Paribas, allows complete account management via innovative digital solutions.
Accounts available
Hello Bank offers individual and joint accounts, each offering adapted Visa cards.
Hello One Visa Card
The Visa Hello One card is free and requires no income criteria, ideal for those who want to keep their expenses under control.
Benefits and services
Benefits include insurance through bank cards, savings, stock exchange, and simplified management through Hello Bank mobile app.
Account creation process
Opening an account at Hello Bank is completely online, fast and secure thanks to their mobile app.
Online banking ING
ING is one of the largest online banks, offering simple and digital banking products.
Opening and account management
Account management at ING is fully digital via the mobile app, allowing all operations to be processed easily.
Banking products available
ING offers various banking products, including:
- Mortgage loans
- Free accounts
- Savings and investment products
Benefits
ING exempts commissions on major operations and offers simple online management.
Online bank N26
N26 is a modern mobile bank perfect for independents and frequent travelers.
Types of accounts and cards
N26 offers standard and premium accounts, including Mastercard cards. The N26 Business account is ideal for independents.
For those looking for an innovative alternative, discover Bunq: our review and full test to assess whether this online bank meets your expectations.
To better understand the online services and features LCL offers, see this Full guide to LCL customer space Private.
To benefit from exclusive advantages, find out how Open a BNP Paribas account online with attractive bonuses.
Mobile financial management
The mobile application of N26 is intuitive, allowing tracking of expenses, managing accounts, and secure transactions.
Benefits of services
N26's assets include:
- Secured transactions
- Digital payments
- Mobile audit
Comparison of the best banks to open an account
A summary of the offers by each bank, with the types of cards, fees, services included, and specific benefits.
Comparative table of banks
| Bank | Card types | Related costs | Specific conditions | Services provided |
|---|---|---|---|---|
| Boursorama | Free Visa (4 options) | No card fees | No income criteria for some cards | Mobile Payment, International Transfers |
| Monabanq | Pay Visa (Pratiq, Pratiq+, Uniq, Uniq+) | Monthly fee | No income requirement | Insurance, Accounting, Credits |
| Hello Bank | Free (Hello One) or paid Visa: 5€/month (Hello Prime) | Limited Pay Card Fees | Choice between individual and joint account | Insurance via card, Savings |
| ING | Pay cards | Commission zero on main products | No prepaid card offer | Fast and digital management |
| N26 | Free and premium Mastercard | No current management fees | Business account for professionals | Mobile Control, Security, Savings |
Step-by-step process to open a bank account
A detailed guide to accompany you in opening an online bank account, from the submission of documents to the activation of your account.
Steps to Open an Online Account
The process to open an online bank account is simple:
- Complete the online form with the necessary information
- Validate the required documents (identity, domicile, and possibly income).
- Receive your online access
- Receive your home bank card
Eligibility criteria and required documents
Find out the necessary supporting documents and eligibility criteria to open a bank account for each bank.
List of documents
To open an account, banks usually request the following documents:
- Proof of identity (national identity card, passport, etc.)
- Proof of domicile less than three months old
- Income justification (salary slips, tax notices, etc.)
Frequently asked questions about opening a bank account
Answers to the most frequent questions about opening bank accounts, to help you better understand the processes.
FAQ
- What documents are needed to open an account? You will need proof of identity, home, and sometimes income.
- What benefits for young people? Many banks offer specific options for young people, often with reduced fees and optimized services.
Recommendations of the drafting
Our opinion on the various options available to open an online bank account according to your specific needs.
Recommendations for each user profile
Based on your profile, here are our suggestions:
- Youth: Choose a bank like Boursorama or N26 that offers free cards and complete mobile management.
- Professionals: Monabanq and ING offer service-rich solutions for professionals and self-employed entrepreneurs.
- Travellers: N26 is ideal thanks to its security and mobile management features.