Black Boursorama Bank card: Notice, expenses and alternatives, Boursorama: is the Metal card a Black Card?
Black Card: where to find this ultra VIP bank card
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Black Boursorama Bank card
The Black Card proposed by Balance Bank was replaced by the card Ultim Metal, a map Premium at 9.90 €/month. THE ceilings of the card are 50.000 €/month for the payments, 3.000 €/week for the withdrawals And No additional costs are not applied for operations abroad.
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Essential information of the article
- Income condition : 2.€ 500/month
- Rate : 9.90 €/month
- Ceilings : 50.000 €/month for payments and 3.000 €/week for withdrawals
- Insurance and assistance guarantees : death, disability, delay, loss, theft, damage damage, civil liability, etc.
- Overdraft : 10.000 €
Boursorama Banque Ultim Metal presentation
Black card replaced by the Ultim Metal card
The Black Card was replaced by the card Ultim Metal, A premium offer of Balance Bank.
The Ultim Metal card of Balance Bank is intended for customers who wish to benefit from a card top of the line And may be suitable for travelers since it does not generate any costs abroad and also has advantages of the Visa Premium network (guarantees and assistance).
| Features | Ultim Metal offer |
|---|---|
| Rate | 9.90 €/month |
| Speed | Immediate or delayed |
| Terms | Immediate flow: € 500 in outstanding Delayed flow: 2.€ 500 of flows or 5.000 € outstanding |
| Payments | 50.000 €/month |
| Withdrawals | 3.000 €/week |
| Overdraft | 10.000 € |
| Protection and premium guarantees | Premier visa, smart delay and premium protection |
| Payment and withdrawals | Free and unlimited internationally |
| Instant transfer | Free within the limit of 2.000 € |
1. Frassorama Bank Ultim Metal
The map Ultim Metal proposed by Balance Bank is available in exchange for a Monthly contribution of 9.90 €. Opening, account holding and fence are free.
Boursorama Banque does not invoice any operating costs of the card (excluding subscription). Withdrawals and payments in France and abroad are unlimited and free.
| Operations | Cost |
|---|---|
| Rate | 9.90 €/month |
| Opening, holding and closing of account | Free |
| Authorized discovered rate | 7% |
| Unauthorized discovered rate | 16% |
| Payments and withdrawals in France | Free |
| International transfers | Free |
| Specimens | Free |
Ultim Metal card costs overseas
The map Ultim Metal does not undergo special costs in overseas.
2. Boursorama Ultim Metal Card Card
The ceilings from the menu Ultim Metal are from 3.000 €/week for withdrawals with a minimum of 20 € while for payments The limit is 50.000 €/month.
3. Insurance and guarantees Boursorama Banque Ultim Metal card
The Ultim Metal card offer a full protection thanks to the guarantees insurance and assistance from the Visa network.
| Types of guarantees | Compensation |
|---|---|
| Death/disability | 310.000 € |
| Delay warranty | € 400/delay |
| Guarantee Loss, Flight, Damage Baggage | 800 €/Luggage |
| Public liability | 1.525.000 € |
| Modification, cancellation or interruption of travel | 5.000 € |
| Theft, loss of payments, keys, papers and mobile devices | 25.900 €/year |
Visa assistance activates in case accident or illness. It allows you to take charge:
- THE transportation and the repatriation
- THE accommodation costs, hospitalization abroad
- THE Stay extension costs
- Return travel costs.
In case of death
Assistance covers funeral costs.
The Ultim Metal card offer it Premium protection which includes the following guarantees:
- Extension of the manufacturer’s warranty
- In the event of theft or loss means of payment, keys, papers and mobile devices The coverage extends to 25.900 €/year
Smart Delay service included in the Ultim Metal card
Balance Bank provides its customers with Smart Delay service. The insured, his spouse and his children have access to more than 1.000 airport lounges international delay of a flight of more than an hour.
4. Sponsorship and welcome offer Ultim Metal
There Ultim Metal card is not eligible for sponsorship. Nevertheless, the new Boursorama Banque customers touch a welcome bonus the amount of 80 € for the first opening of a bank account with the code BRS80.
First account opening with the Metal offer
For all 1st account opening With the metal offer, The first 8 months of subscription are free (i.e. € 79.20), plus a payment of € 0.80 per 8th month by indicating the offer code BRS80 In the subscription form.
5. Subscribe Boursorama Banque Ultim Metal
To subscribe to the offer Ultim Metal Bungeorama Bank, You have to access the site Bankruptcy and complete the subscription form and then Download the documents following.
| Proof | Documents |
|---|---|
| Identify | National identity card, passport |
| Residence | Energy, telephony, etc. |
| Income | Last imposition opinion |
| Handwritten signature | Photo or scan |
| Banking | Rib |
Otherwise, it is possible to Contact Boursorama Banque by the following means:
- By telephone : 08.00.09.20.09 for non-clients and 01.46.09.49.49 for customers from Monday to Friday from 9 a.m. to 8 p.m. or Saturday from 8:45 a.m. to 4:30 p.m. Free number
- By post : Boursorama Banque, 44 Rue Traversière, 92100 Boulogne Billancourt
- Social networks : Facebook, Twitter, Linkedin
Comparative of Boursorama Bank cards
Three bank cards are available at Balance Bank : there Welcome card Of type Visa Classic, two high -end cards, Ultim and Ultim Metal Of type Premium visa.
| Map | Ultim | Ultim Metal | Welcome |
|---|---|---|---|
| Speed | Immediate or delayed | Immediate or delayed | Immediate |
| Payment/withdrawal | 3 free/month Then 1.69% | Free currency | 1 free/month Then 1.69% |
| Insurance and assistance guarantees | Expanses | Expanses | Limited |
| Rate | Free under conditions Failing 9 €/month | 9.90 €/month | Free under conditions |
1. Metal Metal card or Ultim card
The two cards are similar, Just like their packs Insurance and assistance, They are suitable for profiles CSP+ Privileges lovers (assets and traveler retirees). The difference lies in Payment ceilings and of withdrawal and the fees abroad.
| Services | Ultim | Ultim Metal |
|---|---|---|
| Payment ceiling/month | Up to 20.000 € | Up to 50.000 € |
| Withdrawal ceiling/week | Up to 2.000 € | Up to 3.000 € |
| Foreign currency withdrawals | 3 free | All free |
Compared to the card Ultim, The advantages of the card Ultim Metal mainly resident in ceilings and in Unlimited fees abroad. While its disadvantages adults are the card cost, 9.90 €/month, and his income conditions, 2.500 €/month minimum.
2. Ultim Metal card or Welcome card
The offer Welcome is aimed at customers who wish Free banking services, but of quality. This card also allows individuals to Discover Boursorama Banque and of test your services. The offer Ultim Metal is intended for an easy audience (income condition) or travelers.
| Services | Welcome | Ultim Metal |
|---|---|---|
| Rate | Free (defect 5 €/month) | Paying: 9.90 €/month |
| Payment | Up to 5000 €/month | Up to 50.000 €/month |
| Withdrawal | Up to 400 €/week | Up to 5.000 €/week |
| Free withdrawals | 1 in currencies | Unlimited |
| Travel insurance | Visa Classic pack up to 46.€ 000 compensation | Premium visa pack up to 2.001.€ 600 in compensation |
| Speed | Immediate flow | Immediate or delayed flow |
| Income | 50 €/month | 2.€ 500/month |
The Premium card Ultim Metal offers many advantages compared to the card Welcome (guarantees, important ceilings, etc.)). However, the cost of the latter, 9.90 €/month, Make the card Welcome more accessible thanks to its gratuitousness and does not require any income conditions.
Ultim metal card comparison with visa first online banks cards
The Boursorama Bank Ultim Metal Metal card can be compared with the card Premier visa proposed by Bforbank Or Hello Bank!.
There Ultim Metal card has higher payment ceilings (50.000 € for Boursorama Banque) that those of the first visa cards of the other online banks (1.200 €/month for Bforbank and 3.000 €/month for Hello Bank!)).
On the other hand, the PREMIUM CARTIUM OF BOURSORAMA BANCE is more elitist than those of competitors since the income condition required to subscribe to the Ultim Metal card is more important (2.€ 500/month) that in competing online banks (1.200 € at BforBank and 1.000 € at Hello Bank!)).
Ultim metal card comparison with traditional premier visa cards
THE services of traditional banks are more expensive that those offered by online banks and in particular Boursorama Banque.
LUltim Metaloffers more interesting payment and withdrawal ceilings (50.000 €/month) that Premium offers from traditional competing banks (6.000 €/month for Crédit Agricole, 7.€ 500 for Crédit Mutuel and 8.000 €/month for BNP Paribas).
Unlike everyone else Premier visa cards, there PREMIUM BANK PREMIUM CARD offers a Total free of bank operations abroad (Payments and withdrawals). Make withdrawals or payments abroad, with a Premier visa card of a traditional bank, leads to Average costs of 2.50%.
On the other hand, the Premier visa cards are more accessible that the Ultim Metal card. There required income limit is generally lower to that requested to be eligible for PREMIUM BANK PREMIUM CARD (1.800 €/month against 2.€ 500/month).
Ultim Metal Boursorama Bank card: special cases
There are a number of special cases as part of Management of a bank account. Balance Bank is adapted to this case management and offers all Adapted solutions.
1. Joint account and Ultim Metal card
Holders of a Boursorama Bank joint account can request a bank card Ultim Metal per person. In this case, they cannot request another type of bank card.
The conditions for granting the spouse’s card are simple: the double the conditions necessary for a person : a monthly flow of 2.€ 500 for the spouse or the doubling of the assets, either 10.€ 000 savings On the various Boursorama Banque accounts.
2. Renewal of the Ultim Metal Metal card
The renewal bank card Ultim Metal automatically realizes 15 days before the deadline. The bank card is sent directly to the customer’s home, Without code modification.
3. How to terminate or return your bank card ?
In the frame termination bank card, just attest to its destruction by going to The Boursorama Banque Customer Space in category “Change my card” Then “EXII”.
This manipulation will definitively close the credit card. If the bank card is in deferred debit, This termination will cause the Immediate debit on the bank account. It is therefore suitable to supply the bank account Consequently.
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Black Card: where to find this ultra VIP bank card ?
In the Visa and Mastercard range of cards, Black Card is the most premium with its insurance and guarantees, high ceilings and additional services. These black color cards come with a more premium service than the premier visa and mastercard gold. Of course, its conditions are elitist and all banks do not offer it.
Among online banks, the Black Card are rare. Boursorama Banque, which is the most popular of these establishments, receives requests every day about the existence or not of a Offer of Black Card Boursorama. With more than 4.5 million customers at the start of 2023 and four different bank cards (including one reserved for minors), the establishment incorporates a black card ?
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Conditions: without income condition – Welcome and Ultim cards
Annual costs: 0 € • Initial deposit: 300 €
Check deposit: ✔ • Specific deposit: ✘
Monthly card cost: 0 €
Euro zone withdrawals: Free • Payments EURO Zone: Free
Currency withdrawals: 1.69% • Invitation payments: free
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Black Card: advantages and availability
The Black Card, also called “Carte Noire” in French, is the most upscale menu on the market. Visa that Mastercard positioned themselves on the market and France has 160,000 people with this prestigious card. The two card transmitters have similar offers where we find equivalent services and ceilings. These cards are known as Visa Infinite and Mastercard World Elite. For its part, Boursorama Banque works with Visa.
To have a black card, you must meet strict conditions. Generally, these are high income proofs and an expensive annual contribution. This is the price to be paid and then access the services of a black card as a very high ceilings (10,000 euros in withdrawals/week), premium services (concierge available 24/7) as well as medical insurance, car rental guarantees, etc.
If the black card is placed on the first step of the podium of premium cards, we then find the Visa Premier and Mastercard Gold cards. Other formulas are offered by transmitters but they are much less popular. This is the case for the Visa Platinum bank card, straddling two formulas, which is found exclusively at Monabanq.
Black Card Boursorama: Is there ?
Can we a Black Card at the Boursorama Bank ? The subsidiary of the Société Générale group does not offer a black card proper. Instead, the online bank offers a metal card called Boursorama Metal. It has been available since December 2020 and offers a service between the first visa and the infinite visa. It is the Boursorama metal card that acts as a black card and the most prestigious bank card of the bank.
The Black Card Boursorama is not officially available and the bank does not offer an account linked to a Visa Infinite card. She does not work with Mastercard and her World Elite cards either. The advantage of the Metal Boursorama card, as an alternative, is that it has less severe granting conditions and the card costs only € 9.90 per month.
The alternative withdrawal and payments to the Black Card Boursorama are as follows:
- Payment: Metal: € 5,000 to € 50,000 (over 30 days)
- Withdrawal: Metal: 400 to 3,000 € (over 7 days)
If the Boursorama Metal Card does not interest you, note that an equally interesting free card exists in the stock market offer. Called Visa Ultim, this card is equivalent to a first visa on insurance and guarantees. It has the advantage of being free. By way of comparison, a real black card oscillates between 200 and 500 euros per year.
That said, neither she nor the metal card are the same standing as an infinite visa. Boursorama Banque offers a disguised black card, which addresses certain services and insurance of a black bank card without offering the same ceilings, and the same insurance and service levels. It mainly brings to travelers who wish a premium card oriented on the advantages abroad, and supporting more complete insurance.
What an alternative for a black card ?
Bforbank is the only online bank in France to offer an infinite visa. It is the most prestigious in its range, knowing that the bank is also known to be the most premium in France among online banks. Historically, Hello Bank! long offered a black card but it was removed from its range a few years ago.
The only common point with Boursorama Banque is that the Bforbank Visa Infinite card offers a personalized formula for each of its customers where the ceilings are personalized according to the income. The banking establishment reserves a month to assess each of the profiles and then agree on the payment and withdrawal ceilings.
Personalization does not stop there. New customers of the Bforbank Infinite Visa can configure other card criteria. One of the most interesting concerns the choice of an immediate or delayed debit card (always in the same way as Boursorama Banque). Depending on the expectations and tastes of each, it is possible to end up in the two proposals, although most of the time, the delayed flow is more suitable.
On the side of its advantages, in addition to insurance, the Black Card de Bforbank offers a full list of guarantees, in particular on delays in train, plane, luggage, cancellations such as modifications. A concierge service, unavailable on the Visa Premier card, is also available.
What is the price of the Black Card ?
Few banks offer a black card to their customers. On average, the price for such a card varies between 200 and 500 euros per year. This contribution is the lowest at Bforbank, which only requires 200 euros in subscription. Online bank, however, requires justifying net income of minimum 4,000 euros per month to take advantage of it.
In more traditional banks like BNP Paribas or Société Générale, the cost of a Black Card oscillates between 400 and 500 euros per year. The Visa Premier (or Mastercard Gold) card already costs an average of between 10 and 15 euros per month, which quickly amounts to 150 euros per year. Inevitably, the black card which provides the concierge service and extensive insurance is more expensive.
Now what is the real utility of a daily black card ? Obviously, we can appreciate the (often metallic) finishes as well as the “wow” effect when you take out your bank card. That said, the cost is relatively high and it will not be useful for daily use. It may be better to favor an Ultim Boursorama Ultim card, which also takes on a black color, and which is close to a first visa (in terms of guarantees, insurance, etc.).
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