Very important: all online banks that we are going to talk about are then approved by European financial organizations and are managed by professional structures. In other words, these banks are serious and their money is completely safe. That said, some small management tones may exist from one bank online to another. These differences are generally related to the services offered, the applied costs or the user interface offered.
Trade Republic: Save, invest and perceive interest in a few clicks
Stilling directly from Germany, the German bank, Trade Republic, has received all authorizations to give it a Frenchian Iran. It allows you to administer your online bank account, save in silence and even invest in the stock market, in EFT and in cryptographic currency. For that, nothing could be simpler. Go to the Trade Republic site, open your online account. It is more than their other competitors did not do it: the Republic Bank trace pays monthly interests of up to 2 % gross calculated on the sum present in their account. Without subscription costs, Trade Republic gives you the benefit of several bank cards to choose from according to its use and allows you to reimburse up to 1 % for the amount of your purchases thanks to Saveback Trade Republic. It also opens its Eftou savings plans in shares and optimizes its capital gains with a pea of up to 150,000 euros that exempt them from income tax. Go to the Trade Republic site now, it will not regret it.
Revolut: 10 euros offered as soon as your account opens
Revolution, the online bank, gives you a welcome gift for the opening of your bank account. To do this, it is enough to download the Revolution application on your smartphone to take advantage of the welcome offer of 10 euros that will shoot in your account. With its 55 million users worldwide, the Revolution Bank has this gift from you when you are over 18 years old and you are a new client. Choose the bank card (in subscription) that meets your needs and follow the evolution of your finances in a few clicks from the Revolution application. Pay online from Google Pay or Apple Pay and turn money instantly to your family if necessary. Do not waste time and receive 10 euros as soon as you open your Revolution online bank account and choose your physical or virtual card today.
Fortunena: a small gift like a welcome bonus
Fortuneo is also an online bank that everyone knows today. With great experience, it is celebrating its 25th year of existence today. On this occasion, Fortuneo offers you up to 250 euros for the opening of a checking account. Of course, this offer is limited over time. Fortuneo has an excellent characteristic, it is free total management, opening and use of your payment card. The first solution is accessible without any income condition and it is necessary to be 1800 euros in net monthly income for the second. Also appreciable, your account can be available as an attached account.
Hello bank! : a account adapted to your needs
Hello bank! It is also a very serious structure since it was created by BNP Paribas. You have 2 types of account at your disposal, the first is also completely free if you use your payment card regularly. According to the same principle, a second account offers additional services for 5 euros per month after 1 euro per month for 6 months. Currently, we’ll notice it hello bank! It offers you up to 180 euros for the opening of a checking account. Detail also very important, each account can be individual or rejected as an attached account. As with the other solutions presented here, your payment card can be used abroad.
Monabanq: Easy to access advisors
Monabanq’s online bank adopts another approach. Here, it is the relationship with the client that is placed in the foreground. There is no free account, but the first one costs only 3 euros per month. Monabanq offers 3 separate solutions to perfectly adapt to their real needs. At this time, Monabanq offers up to 240 euros for the opening of an account. Regardless of the account you choose, it can also be rejected against the articulation. Although it is an online and non -physical bank, Monanq stands out for the possibility of contacting an advisor in record time. This is ideal for supporting it in a very specific project.
BFORBANK: The bank offers you up to 180 euros
Bforbank is also a structure that is stirred and created by Credit Agricole. Keep in mind that at this time, Bforbank offers you up to 180 euros for any opening of a checking account. For daily use, it should be taken into account that there is the BFORBASIC account that is completely free. To benefit from the largest ceilings and simplified use abroad at no cost, Bforbank also created the BFORZEN account, which is free for 3 months, then returns to 4 euros per month. Keep in mind that, in this case, you have additional insurance and assistance.
Nickel: a simple solution accessible to all
Nickel’s online bank was created to open an account online in record time. It is designed to manage your simplest money in the world. Today, Nickel manages more than 4 million customers. Your nickel account is accompanied by a MasterCard card to pay your purchases. Interesting details, the nickel has more than 7,500 physical points that are often tobacconist. This allows you to deposit your species and checks very easily. Nickel offers 4 types of accounts to meet their needs. The Nickel Classic account is the simplest and costs him 25 euros per year.
What criteria to choose your bank on the international line?
As you can see, all online banks presented here are of absolute seriousness. The fact is that there are small tones to study well, so that the bank is perfectly suitable for its situation. A very often forgotten case is the deposit of species or checks. If you need this particularity, do you choose the online bank?
To this is added another factor that can be essential, reach an advisor easily and quickly. This is essential if you want to establish a savings plan or enjoy a loan. In fact, an online bank is not incompatible with this type of service. Also keep in mind that a payment account can be interesting. In fact, free management can, in some cases, accompanied by costs of use. It is not easy to make the right decision and it is recommended to spend time at the online banks site to answer all these questions.
Can we choose a French online bank to go abroad?
If you are a great traveler or if you live near a border, there is another criterion to take into account in detail, they are the services and costs to possibly take into account for any use of your card abroad. The first point to monitor is the type of insurance and assistance guarantee you can claim. Of course, this refers to your own health, but also any problem with your vehicle or rent.
But that’s not all. Abroad, you will have to pay your purchases on the payment card or withdraw money. It is good to know if additional costs are applied to this type of operations. It is important to be attentive to this issue, because the services offered in France and abroad may vary completely. Again, it is very important to be attentive and study the services offered internationally.
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
