It is no longer necessary today to go to a physical bank to configure a current account and manage your money. Instead, opt for an online bank! Each now offers a mobile application that allows you to make immediate access to your account from a simple Internet connection. These offers, in the opening of a checking account, are quite friendly. In fact, in addition to the payment of a sum in your future bank account, you benefit, for example, a gift card. These advantages, as well as a sum of money for any new opening of a checking account, can be, in most cases, also decrease as a joint account. Let’s look at this in detail.
Bforbank: Up to 230 euros offered with Bforzen
Bforbank offers 2 different accounts. BFORBASIC is completely free and Bforzen returns to you to 4 euros per month after the first month, which has no cost. At this time, for any opening of a current Bforzen account, the online bank offers up to 230 euros as welcome. However, keep in mind that this offer is only valid until July 30, 2025 included.
Bforbank allows you to benefit from a roof of 3000 euros for your payments and 1000 euros for your withdrawals. This includes use abroad at no additional cost. This offer is accompanied by reinforced insurance and assistance.
Fortuneo: choose the payment card that looks like you
Fortuneo offers completely free current accounts. Depending on your daily income and needs, three different payment cards are offered. Among these, you will discover the Gold CB Mastercard credit card, which offers you a generous bonus of 80 euros as soon as your bank account is opened.
To benefit from him, it is enough to be a new client and take advantage of a net monthly income of at least 1800 euros. The use of its Gold CB MasterCard payment card is completely free, since it uses it at least once a month.
Monabanq: A lot of services
The Monabeq online bank offers an impressive amount of types of accounts. Note that all are accessible without any income condition. Currently, for any opening of a new current account, Monabanq offers you up to 260 euros, starting with 60 euros that will feed your balance as soon as you have 50 euros.
In addition, if it establishes a Monabanq savings brochure, it will benefit from a gross annual remuneration rate of 4 % during the 3 months after its opening. Interesting details can communicate with physical advisors even by phone.
Revolut: The ideal bank for your trips and trips
The opening and management of a current account with the Online Revolution Bank are completely free. Revolution’s services are aimed at any natural and adult. It should be noted that at present, Revolution pays 10 euros as soon as your account is opened, provided you have spent this amount at least.
Revolution is distinguished by an impressive number of very appreciable management tools to set aside money without the risk of spending it, for example. The bank also allows you to juggle with several coins at preferential fees. This makes it a perfect bank for your trips and trips.
Trade Republic: The online bank that makes it make money throughout the year
If Trade Republic does not offer money for any opening of a current account, it remains the only one that pays the interests generated by the liquidity it has. This sum is solved every month and the amount of interest is 2 % gross. The management and opening of your account are free.
Particularity, Trade Republic has established a system of actions of actions that allows everyone to easily invest by placing only a few cents. If you withdraw more than 100 euros, this transaction is also completely free worldwide.
What is the best free online bank in 2025?
As we can see, there are a lot of free solutions. However, it is good to keep in mind that some of them are only accessible from a monthly income. In any case, all the solutions proposed here are approved by the French and European banking systems. This makes serious and totally safe offers to really place your money easily.
The big difference between these online banks appears in particular with the tools it has. It is important to analyze the needs of the withdrawals, the possible transfers and possibly the ease of reaching an advisor.
Online bank: How and when is the premium paid?
Another small detail on which it is important to look refers to the sum of money offered by opening an account. In fact, this sum is generally not paid at the time of opening. Very often it happens that it decomposes in several quantities, each associated with a certain action on its part, for example, the location of your salary in your new account. Therefore, it is important to search, on the official website of the online bank, what are the steps to be taken to really take advantage of the entire sum announced.
How to find a bank account without hidden expenses?
Except the exceptions, the current accounts offered here are free. However, some services can be accompanied by costs that are not necessarily thought first. The typical example is the withdrawal of money that can be accompanied by a minimum amount or generate costs if you use it abroad. This can be important, especially if you travel frequently. In general, it is recommended to list your daily needs and then verify how they apply to the banks you have seen. If you have difficulty finding your answer, do not hesitate to ask the question online or join an advisor if possible.
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
