If, at first glance, these offers can be attractive, it is good to look between the lines to ensure that one is a winner when choosing this or that solution. In fact, it happens that hidden costs can be applied or that the services offered are not up to their expectations. Therefore, a careful analysis of general conditions is essential above all. Take the time to compare real prices, including all additional costs, and verify the quality of customer service and other users to avoid unpleasant surprises.
Fortunena: the bank that has been offering its services for 25 years
The Fortuneo online bank is also one of the main banking structures that everyone knows. It is currently celebrating its 25th anniversary! On this occasion, Fortuneo offers all new customers, up to 250 euros for the opening of a checking account. Fortuneo offers two payment cards and both are free from the moment you use them at least once a month. The FOSFO Payment Card is accessible to any natural person and without income conditions. As for the Gold CB Mastercard card, it is available for a net net income of at least 1800 net euros. It is, of course, to be accompanied by additional services.
Bforbank: à la letter bank
Very well known, the Bforbank online bank offers 2 very different solutions. You will notice that at this time, whatever you choose, Bforbank offers you up to 180 euros as welcome. Good news, for daily management, the bank offers the BFORBASIC payment card that is completely free. If you need to make payments abroad and take advantage of additional assistance insurance, welcome during your trips, you can opt for the BFORZEN card that is free for 3 months, then it goes to 4 euros per month. Of course, roofs also double.
What happens if you receive interest in your account in line with Trade Republic?
Here is a bank of German origin that makes a devastating entry into the French banking market with options that completely differentiate it from its competitors. When choosing to open a bank account in Trade Republic, it benefits from a recognized account in France with a Frenchian Iran. Moreover: you are eligible for the payment of 2 % gross interest calculated in the sum present in your account. Another good news, Trade Republic allows you to gradually invest in the stock market, EFT or cryptocurrencies simply by rounding your payments. And if you place your savings on a pea, Trade Republic allows you not to see your capital earnings subject to an income tax of up to 150,000 euros placed in 5 years. All free. Therefore, it is not too late to open an account with Trade Republic to see that your money gives you interests. A small click just below and join the client trade in Republic.
Bank Revolution: Another way to see the online bank
Do you want to change the way you manage your liquidity? Take the time to go to the Online Bank Revolution site that gives you a welcome gift of 10 euros as soon as your account opens, whenever it is important and waste in the European Union. For this, nothing could be simpler, everything happens in 3 small steps to make from your mobile phone. First, download the App Store or Google Play Revolut application. Register using your phone number in Revolution. Then believe your virtual bank card by choosing the one that suits you and simply receives 10 euros from your new account. Take advantage of the options still welcome, such as sending money to your loved ones or savings on a few clicks with the Revolution online bank. If you are a habitual traveler, know that you can choose to pay in 29 coins to facilitate the management of your vacation.
Hello bank! : The bank gives money, whatever the chosen solution
Created by BNP Paribas, Hello Bank! It is also an online bank that offers a completely free or paid payment card. The paid solution returns 1 euro per month for 6 months, then € 5 per month. Keep in mind that at this time, hello bank! It offers you up to 180 euros for the opening of a current account made by a new client. You can imagine, the paid solution offers reinforced insurance, as well as a larger roof. It is also good to keep in mind that the solutions offered by Hello Bank! It can be rejected in an individual account or in account.
Monabanq: up to € 240 offered at this time
Monabanq also offers up to 240 euros for the opening of a current account. Created by Credit Mutuel, Hello Bank! It offers 3 payment cards. None is free, but the cost is low, since it starts at 3 euros per month. Offers are aimed at all without any income condition. Your account may be available as a joint account and it should be taken into account that, in this case, a second payment card is offered. Interesting particularity, hello bank! It allows you to contact an advisor very quickly, even by phone. This extraordinary service allowed him to be chosen the best customer service for the eighth consecutive year.
Nickel: Online bank that shines with its simplicity
Nickel’s online bank has the merit of allowing any natural and adults quickly open. In addition, this is done without any income condition. In addition, the nickel has retransmission points, very often tobaconists, which allows him to easily deposit a check or species in his current account. It is not always so easy. Nickel does not offer any free solution. Four 25 euros payment cards are offered per year, which represents a little more than 2 euros per month. These payment cards are Mastercard and are accompanied by more or less additional services depending on what they expect from them.
What is a free online bank?
With respect to online banks, the free term can confuse. In addition, it is important to take a look at what is hidden behind. Therefore, this free can refer to the opening and management of the account, the creation of the payment card and the costs related to its use. Therefore, it is very important to look in detail all these points one by one. In some cases, we can see that a low price card can be more interesting.
In addition, you have probably noticed that certain payment cards are free, even abroad. However, some may be accessible only from a certain monthly income, or even to reach an expense floor in the month. Here again, you must be attentive to these detail points, also verify if the rules are the same in France and abroad.
Is it a free or less reliable online bank?
Whether they are completely free or accompanied by a very small price, many wonder if these online banks are really serious and safe. It is true that a few years ago, some clients found very thorny situations when placing their money in a bank online, especially located abroad, and saw that their savings melt in the sun. It is important to keep in mind that the aforementioned online banks are French structures, approved and regulated by the financial laws of our country.
Therefore, this means that all these online banks respond exactly to the same rules as the physical banks with which they have always rubbed. Therefore, your money is in total security. It will also notice that, apart from Nickel, all these banks are branches of recognized banking structures. Therefore, the role of these online banks is to offer reduced prices to their future clients and simplify their online banking procedures.
This content was made by an expert from the BFMTV purchase team. The purchasing team is independent of BFMTV.com editorial staff. The indicated prices occur as an indication and they are likely to evolve. BFMTV is likely to receive remuneration when one of our readers proceeds to a purchase through the links integrated in this article.
Source: BFM TV
