Paying less bank charges is one of the reasons that pushes the French towards online banks. But he is not the only one: many are those who are seduced by the possibility of being offered money when opening their online account. The sum can be beautiful and sometimes exceed 100 euros. It even seems too good to be true: so what can hide the generosity of online banks? Why are these new types of banks offering money to their new customers? Rest assured: this hides nothing more than a recruitment effort that tends to pay off very easily.
Which online banks offer a welcome offer?
Almost all French online banks offer a welcome offer that includes a sum of money offered to you. These are the main offers on the market.
- monabanq: 80 euros offered when opening the account and an additional 40 euros with Visa Premier or Platinum card.
- Fortune: 80 euros offered for the opening of an account, as long as you make at least five payments with the subscribed card within a period of 90 days.
- Boursorama Bank: up to 170 euros offered for the first opening of an account with a bank card followed by EasyMove banking mobility.
- Hello Bank: 80 euros offered for any account opening and six months of free card as part of the subscription to one of the Hello Prime offers.
- BforBank: 80 euros offered for the opening of an account on the condition of activating the bank card in the month following the opening in question.
It is easy to see that the welcome offer is, on average, 80 euros. However, there are special promotional operations that can sometimes reach 200 euros, but are generally only available for a few days. If you’re thinking of opening an online account in the next few weeks, stay tuned!
Online banking: why do they offer money?
The generosity of online banks is selfish: their goal is to always attract more customers, with a view to earning more money. It’s simple and it’s necessarily what all banks are looking for: from the moment an online bank offers a welcome bonus to its new customers, it is in an advantageous position over the competition. It is not surprising that other banks decide to offer the same.
From there, the whole question is which online bank offers the best deal. Because if the sum offered can be the same everywhere, the conditions for obtaining it can be different. Do not hesitate to inform yourself before subscribing to avoid unpleasant surprises. It often happens that the deposit of the offered sum in your account involves the use of a credit card or a first payment. This is also how online banks make money.
The sponsorship offer, an additional advantage offered by online banks
Once you have opened an account online, you can continue to enjoy free money. As ? Recruiting new clients for the bank yourself! This is the whole concept of sponsorship. Generally, when you sponsor a family member, they receive a cash bonus, and so do you. It usually ranges between 30 and 50 euros, and can be accompanied by free bank charges.
The vast majority of online banks offer a referral system. You can find the details in your account space. If you know people around you who are tempted to open an account at an online bank, and you are satisfied with yours, you can recommend them and take advantage of the referral bonus together. . Be careful, certain conditions can also come into play here to benefit: they are always explained on the bank’s website.
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Source: BFM TV
