Online joint account: the best common online accounts

A concept that certain fintechs have clearly identified, by offering less risky alternative services and just as practical as the attached account.

Best online joint account (comparison 2023)

Opening a joint account or a common account is a must to supervise your couple expenses. However, this solution remains engaging and all online banks do not offer this possibility. How to open an online joint account ? Offers of online banks, formalities, risks and alternatives, here are some tips before embarking on the opening of a common online account.

Why open a joint account in an online bank ?

If you live as a couple or a roommate, opening a common account in an online bank is a practical and economical solution to organize the finances of the home. Also, this allows you to dissociate personal expenses from collective expenses, while retaining your privileged financial interlocutor.

Reduced costs

Opening a joint account in an online bank is above all an opportunity to reduce bank costs thanks to:

• free or at low cost bank cards;
• Reduced agios for a passenger cash need;
• an advantageous global pricing (transfers, withdrawals, payments abroad, etc.);
• attractive welcome bonuses.

Simplified common management

Online management allows you to simplify the organization of your expenses, While each with an instant vision and power of action (expenditure classification system, visualization of the balance in real time, instant transfer, modification of online ceilings, etc.).

Which online bank to choose for your joint account ?

The formalities of opening a common account are more or less strict depending on the online banks. In addition, some have also made the choice not to offer a joint account at all.

To see more clearly, Let’s take an overview of the online banks attached accounts, which allow 100 % digital, fast and simplified subscription.

If you want to compare the offers of the best online banks for your individual account, consult our dedicated article.

Our selection of the best joint accounts online

Fortuneo

A free and universal bank. We recommend !

• Free card
• Incommensurate
• Zero costs abroad
• Check
• Cashback

Up to € 230 offered

Bforbank

The best online bank to invest in the stock market

• Free card
• Incommensurate
• Check

Up to 80 € offered

Monabanq

Online bank with the best customer service

• Incommensurate
• Zero costs abroad
• Check and cash deposit

€ 120 offered !

Balance Bank

The most complete free online bank !

• Costs : from 0 € to 9.90 € / month
• Minimal deposit : 50 €

• Free card
• Incommensurate
• Zero costs abroad
• Check
• Cashback

100 € offered !

Helios

The positive impact account from the 1st euro

• Free card
• Incommensurate
• Cashback

3 months offered

Lydia

The mobile bank that reinvents the current account !

• Free card
• Incommensurate
• Zero costs abroad
• Cashback
• Cryptocurrency

10 € + 1 month offered

At Fortuneo, activity conditions free

At Fortuneo, you benefit from the most advantageous prices on the market with in particular free cards, from the classic range to Premium as well as an offer when opening € 80. However, This online bank does not appreciate the inactive accounts and sanctions them with costs of € 9 per month. In addition, to open a joint account at Fortuneo, the more upmarket you will go up, the more the income conditions will be strict. More details on our full opinion in Fortuneo.

Up to € 230 euros offered by Fortuneo

The joint account at BforBank for free

Classic visa cards and first visa are free at BforBank for the opening of a joint account. In addition, online bank does not forced you to domicile your income there. Nevertheless, you must still justify a minimum monthly income of € 2400 to obtain two Visa Premier cards.

In addition, with a common account at BforBank, couples looking for investment solution (in particular to invest in the stock market) will appreciate the powerful tools made available to them, very low brokerage fees and skilled expert advice.

Until 80 € offered for the opening of a BforBank account

The Monabank joint account, paying but without income condition

Monabank is the least strict online bank concerning access to the joint account. Indeed, it is one of the few not to require income conditions. However, we are witnessing a different strategy of other online banks since The Crédit Mutuel subsidiary only offers paid offers, from € 2 per month.

By opening a common account at Monabank, you can file checks in Crédit Mutuel and CIC agencies, a significant practical side when you know that with most online banks, the checks to collect are sent by mail.

Up to € 120 offered when opening a Monabanq account

The Boursorama joint account, if you are already a customer

To open a joint account at Boursorama, the two holders must have an individual personal account. The bank does not require income condition for the most basic offer but a minimum of € 2,000 in income per month for the classic offer and € 3,600 minimum for the offer. If you do not meet these criteria, you can also get around them by entrusting € 5,000 in savings at least at Boursorama (€ 10,000 for the first offer).

At Boursorama, like individual accounts, Bank cards of the joint account are free and you can benefit from € 80 offered as a welcome.

Up to € 100 offered when opening a Boursorama account

The Helios joint account, to participate as a couple in the ecological transition

The French Green Neobanque offers a common account without conditions of income and without commitment. For € 3 per month and per person, you have the assurance that each euro deposited on your Helios account will be used to finance positive impact projects on the environment.

You do not have to be customers on an individual basis to open a Helios joint account, but if you are both already customers, you will not have any additional costs.

More information in our full review in Helios.

3 months offered at the opening of a Helios account

Change the bank more easily: the Macron law of 2015 has established the banking mobility service, which allows you to change the bank account easily by repatriating, all of a sudden, all your transfers and your samples to your new bank !

Risks and alternatives to the common online account

Opening an online joint account is now simple and practical. However, cotturies must be aware of their respective commitments and the risks they make by sharing a common bank account.

A concept that certain fintechs have clearly identified, by offering less risky alternative services and just as practical as the attached account.

Open an online joint account: the commitment of the co -ownership

By opening a joint account, you are jointly committed to the cotitular to share the capital and debts of the account. This principle of trust and solidarity therefore forces you to be liable for sums that the co -story would have engaged without your agreement.

Also, when an overdraft is settling in or a check is debited in the absence of supply, You will be in solidarity in the event of a filing or bank incident, even if it is not your fact.

The “common account” solution of neobancs

Often, The neobanques have chosen not to position themselves on the niche of the attached accounts. However, some, like Revolut, Lydia or Bunq, have implemented alternative solutions to facilitate the management of your common expenses without having to open a joint account.

Revolut allows, for example, to spare on “group chests” by setting financial objectives. It is possible to share access to these chests to other people, by authorizing payments and/or withdrawals from the funds paid.

Lydia offers a real current account to share for couples, friends or roommates. The creator of the account can, in one click, invite a new participant and assign him tailor-made rights (see balance, spend, see transactions, etc.). And just as easily remove it.

�� Cherry on the cake : Each user of the common account can have their own free bank card.

To find all the neobancs offering a shared account, consult our comparison of the best neobancs here !

Less engaging alternatives to the online joint account

In addition to the offers of financial players to organize collective finances, there are also alternative solutions, outside the banking circuit: collaborative expenditure managers. These are applications such as Tricout, Lyf Pay or Bunq, which offers an alternative to the joint account.

Besides, the BUNQ PACK allows you to benefit from 4 personal accounts with cards and to save on the monthly subscription. There is even a remunerated savings account (1.56% gross/year) for your joint projects, whose interests are paid monthly.

In short, a common online account accessible from an application and 100% free: ideal for couples or roommates !

1 month offered to try bunq

Some formalities before opening a common online account

To open a joint account in an online bank, you will often have to justify a certain level of income or savings. This selection criterion can be prohibitive for you, especially if you wish to keep your income from your current bank in your current bank. Fortunately, not all of them require the domiciliation of these funds.

In addition to the supporting documents for income and savings that may be requested according to the banks, you will need to provide some supporting documents to open an online joint account.

It will be requested, for each cottown:

• A valid identity document;
• a proof of address of less than 3 months;
• A RIB possibly for the first payment;
• The last 3 account surveys of your main bank.

frequently asked Questions

Joint account or common account ?

A joint account is owned not two cotturies which must agree for the opening and the fence. This is the account of married or PACS couples and he hires the two holders in the event of debts or incident.
While a common account is held by a single holder, at the origin of the opening of the account. He can then share access to this account to a third person, without necessarily a legal link. Thus, the holder alone makes the decision to open or close the account.

What is a collective account in joint possession ?

A collective or undivided bank account allows several people to undertake to act systematically collectively. Indeed, each operation requires the signing of all the holders to be carried out.
However, it is possible to give proxy to a single person, who can then act on behalf of the group.
Only two types of accounts can be undivided: a current account or a title account.

What happens in the event of the death of a cotitular ?

In the case of a collective account, It is blocked and no more operation can be carried out while waiting to settle the succession.
For the joint account, Two solutions are possible:
– Transform the attached account into an individual account for couples accounts.
– Keep the account in the state with surviving cottiers.
Note that the joint account is not blocked, unless the heirs of the deceased holder oppose it.

Former agency director, Marc knows the banking market at your fingertips and he helps you find out !

Online joint account: the best common online accounts

Generally offered to couples, the joint account is a bank account managed by two or more holders. With its two bank cards, it is ideal for better approaching the home expenses. How to open a common account online ? Which bank to choose for your joint account ? We tell you everything.

up to 120 € offered

Monabanq offers you up to 120 € For a first current account opening.

Boursorama Banque offers you Until 100 € For very first account opening.

Up to € 230 offered

Fortuneo offers you up to 230 € For a first account opening.

The online joint account: the main thing to remember

�� Why open a joint account with an online bank ?

Choosing an online bank for its joint account provides you with low banking costs and allows you to access advantageous and accessible bank offers at all budgets.

• The advantages of a joint account opened online:
• An ultra-fast and paper-free common account
• An offer of 2 free bank cards
• 0 € or very low account fees
• Advantageous welcome bonuses

�� What income for an online joint account ?

Although generally free, the Online joint account Includes income conditions which will vary from one online bank to another.

The more high -end you choose, the more demanding the income conditions, especially to claim a metal card or a black card.

Fancy an online joint account without income conditions ? The Boursorama Welcome and Hello One Duo joint accounts by Hello Bank! offer entry -level offers from free online joint account and without conditions.

To have two premium cards, think of Monabanq which offers a visa premier joint account without conditions from € 6/month.

�� How to open an online joint account ?

Open a joint account in an online bank is very simple and fast. Online banks indeed offer easy registration paths and requires little justicative.

Visit the online bank website chosen and enter the registration form.

Indicate that you want to open a joint account and transmit the requested supporting documents: identities of the cotturies, addresses, income.

• The documents to be provided for the opening of an online joint account by each holder:
• 1 valid identity document: identity card or passport
• 1 proof of address
• 1 Proof of income
• 1 signature on white sheet

Regarding the means of payment, the holders can dispose of it under the title “X or X” (Monsieur or Madame for a couple), which allows the validation of a payment with a single signature, or under the title “X and X ”(sir and madam for a couple), which then requires the two signatures to validate a payment. As for the two bank cards, they are nominative and therefore personal, and each holder has a secret code for his card.

�� Online joint account: price, costs and prices in detail

* Free conditions under conditions. Conditions available below in details of the offers.
** With the Pratiq offer at € 2 including a Visa Classic card or systematic authorization.
+ € 3 with a first visa.

The Boursorama Banque joint account

Open a joint account at Boursorama Banque is very simple and fast. It is enough for the cotturies to go to the registration form, to click on “Open a joint account”And to fill the different stages of the form.

Four choices are then possible for bank cards:

• Either a visa Welcome card (only one per holder); Cotitulars will have to justify any income or outstanding
• Or a Visa Ultim card (only one per holder): with € 3,600 in monthly income or an outstanding € 1000
• Or two Visa Classic cards; Cotitulars must justify € 2,000 in monthly net income (holder + cotitular) as a minimum income condition or € 5,000 in outstanding
• Or two Visa Premier cards: this will be € 3,600 in monthly income to be justified in total or € 10,000 in outstanding

In both cases, once the minimum income justified, the cards are free without additional conditions.

By opening a Common Boursorama account, new customers of the joint account benefit from a welcome bonus of € 80.

The Monabanq joint account

No resource condition is necessary to open a monabanq joint account. If the co -owners will be able to open a current account for free and without minimum income condition, the provision of payment means is on the other hand, the price vary depending on the offer. But, whatever the offer, the customer will have to have € 2 for an additional classic visa and € 3 for a first visa.

MONABANQ now offers 4 types of online joint account offers:

• Pratiq at € 2: with a VISA card included as well as the payments and withdrawals included in the euro zone
• Pratiq+ at 3 €: which also includes a checkbook 5 cash deposits per year and 3 cash withdrawals per year outside the euro zone
• UNIQ at € 6: including, the advantages of Pratiq offers as well as a checkbook, insurance and 50 payments outside the euro zone
• UNIQ+ at € 9: The Premium version of Monabanq offers does not include exchange commissions as well as payments and withdrawals excluding the Euro zone unlimited

The Fortuneo online joint account

For Open a joint account at Fortuneo, Just go to the registration form and click on “Joint account“After the question”What type of current account would you like to open ?». Income conditions are also necessary to open a Common account at Fortuneo.

To get two cards CB Mastercard with immediate debit, Cotitulars will have to justify:

• of € 2,400 in monthly net income in total;
• or have € 5,000 in savings at Fortuneo (payment possible during the subscription).

They can also get two CB Gold Mastercard If they justify:

• € 2,700 in monthly net income
• or have € 10,000 in savings in the bank (+ € 2,500 in monthly net income for two delayed flow cards).

In addition, the accounts of the account must each carry out one operation per month with their bank card to be able to benefit from it for free (otherwise, 3 €/month for the Mastercard Classic card or 5 €/month for the Mastercard Gold) card).

It is possible to open a joint account with a World Elite Mastercard But only one of the two holders can benefit from it. To benefit from it, one of the holders will have to be justified by € 4,000 in monthly income.

The BforBank joint account

The opening of a Bforbank joint account with Two Visa Premier cards requires :

• A minimum of € 2,400 in net income per month for partners (without compulsory condition of domiciliation of these income);
• If one of the future co-holders has been a customer at BforBank for 6 months, the conditions are as follows: they will have to justify 2000 € in net income per month and € 15,000 on their savings at BforBank

Customers will have to carry out at the minium 3 payment operations per quarter and by bank card (in which case they will be withdrawn € 9 of costs per quarter).

The online joint account Hello bank!

Hello Bank! offers two joint account offers, giving the right to two cards with systematic authorization and a joint account.

Hello One Duo is a free joint account, accessible without conditions, allowing, among other things, to benefit from reduced foreign costs.

Hello Prime Duo is a more premium, paying and income conditions. For 8 €/month, you will access an reached reaches offer at no cost abroad, more comfortable expenditure ceilings as well as premium insurance coverage.

To benefit from the Hello Prime Duo offer, you will have to justify the following income:

• at least € 2,000 in monthly income

❓ FAQ online joint account: how the common account works online ?

How to title a joint account ?

The title of your joint account may be of your choice:

• “Mister or miss” : each holder can use their payments without needing the co-holder agreement.
• “Monsieur and Madame” (undivided account) : all payment requires the agreement of the two holders.

Of office, it is the first title that will be selected. Note that spouses are united in the event of debts or payments.

What to do with a joint account in the event of a breakup or divorce ?

As part of a rupture or separation, the end of the joint account may intervene with the agreement of one or two holders.

To close your joint account, you to:

• With the agreement of the other holder, proceed to the simple end of the
• Without the other holder’s acordier, ask for the closure of the common account. This one then becomes an individual account.

Comment: what becomes of the joint account in the event of death ?

In the event of death, the online joint account is not blocked: the funds remain accessible, unless opposed to the heirs.

The balance of the joint account if it is positive will enter the succession; If the balance is negative, the co-holder of the joint account is responsible and will have to reimburse the debts.