✔️ € 9.90 per month
Or 118.80/year

Which Boursorama Card to choose ? Comparison 2023

Since 2021, Boursorama has presented its new range of Visa bank cards whose now famous Ultim card, also available in metal version. Thus, the Carte Noire Ultim replaced the first and Ultim Metal visa competes with the ultra premium cards of neobanques.

➡️ You do not know which Boursorama card to choose in 2023 ? Answer in our comparison ! ��

Boursorama bank cards in 2023

Boursorama Welcome

• Price : Free
• Ceiling : € 1,000 to € 5,000/month
• Visa ~ Classic
• Systematic authorization

• Incommensurate
• Free payments abroad
• Free withdrawals abroad
• Insurance (correct)
• Cashback

100 € offered !

Boursorama Ultim

• Price : Free under conditions
• Ceiling : € 2,500 to 20,000 €/month
• Visa ~ first
• Delayed flow / flow

• Incommensurate
• Free payments abroad
• Free withdrawals abroad
• Insurance (good)
• Cashback

100 € offered !

Boursorama Ultim Metal

• Price : € 9.90/month
• Ceiling : € 5,000 to € 50,000/month
• Visa ~ first
• Delayed flow / flow

• Incommensurate
• Free payments abroad
• Free withdrawals abroad
• Insurance (very good)
• Cashback

100 € offered !

The conditions for obtaining Boursorama bank cards

✅ Boursorama bank cards are Without any condition in immediate flow. The only constraint could be the initial deposit for opening the account of € 300 for Ultim and Ultim Metal cards.

❌ In delayed flow on the other hand, Monthly income of € 1,500 (Ultim) or € 2,500 net (Ultim Metal) are requested. Or you must have at least € 3000 or € 5,000 at Boursorama, regardless of the account: current account, booklets, PEA, etc … This remains reasonable to obtain a premium or ultra premium card.

➡️ In short, Boursorama bank cards are currently the most accessible high -end cards of Online banks, in immediate speed as in delayed flow. And the Welcome card is ideal for banking prohibitions or if you want to master your budget.

Up to € 100 offered when opening a Boursorama account

Our opinion on the costs of Boursorama bank cards

✅ Welcome and Ultim cards have the main feature of being free. But is this really the case and there are hidden costs ? Let’s see that ! ��

Balance stock market prices

➡️ In short, as long as your account is not incident and you use your Boursorama card once a month, your bank account is 100% free. More information in our detailed opinion.

The costs of the Boursorama Banque Bank abroad

✅ Payments outside the euro area are always free and unlimited, whatever the card. On the other hand, withdrawals are limited to 1 (Welcome) or 3 offered (ultim) per month; beyond, it will cost you 1.69% of the amount withdrawn. Only the Ultim Metal card offers you free withdrawals all over the world and without limits.

Up to € 100 offered when opening a Boursorama account

Boursorama Visa Card Insurance

Assistance, guarantee and bank card insurance services are often overlooked. However, this is the main point of comparison between standard and premium cards. ��

Insurance of Boursorama Ultim and Welcome bank cards

✅ Insurance of Boursorama bank cards are of excellent qualities. Only the Welcome card disappoints slightly even if it is comparable to a Visa Classic card. If you often travel outside France, favor Ultim or Ultim Metal or consult our comparison of the best cards to travel. ��

�� Note that the PREMIUM Protection Boursorama Guarantee is included with the Ultim Metal card and optional at € 4.99/month for others.

➡️ Synthesis, Boursorama cards offer among the best insurance for free cards. To take advantage of it, simply pay completely or partially paying expenses related to your trip: transport, hotel, car rental, etc. If you are eligible, do not hesitate and choose the Ultim card.

Up to € 100 offered when opening a Boursorama account

Boursorama bank cards: ceilings

✅ While the conditions for moving a credit card in a traditional bank are generally left to the discretion of advisers, Boursorama is transparent on its operation: The ceilings adapt to your income or your assets. ��

Ceiling comparison

➡️ In summary, the stock market ceilings are fairly comfortable basic and logically adapt to your income, savings and financial assets. Note that some levels are only accessible after 3 months of seniority.

Up to € 100 offered when opening a Boursorama account

The features and advantages of Boursorama bank cards

➡️ In a few words, Boursorama offers all the features that can be expected from an online bank, in particular on the management of the card in real time. Nevertheless, we regret the absence of the virtual card, always practical for its online purchases. Even if this absence is partially offset with mobile payment.

Up to € 100 offered when opening a Boursorama account

The Corner: reduction and cashback with Boursorama cards

✅ The corner is the free market privilege space, In which you find the good deals of a large number of partner brands: discounts, cashback and vouchers. Membership of the Premium Service in The Corner is free for all Boursorama customers, whatever their card.

Our opinion on Boursorama Banque

Impossible to give you a full opinion on bank cards without talking about the advantages and disadvantages of the bank which offers them.

✅ Fortunately, Boursorama is one of the best banks in French lines:

• It is a very complete general bank, quite capable of becoming your main account.
• It will be 15 years that Boursorama is the cheapest online bank in France.
• The comfort of a French bank with access to regulated savings: booklet A, LDDS, PEL, etc
• It offers among the best offers of personal or real estate credits.
• But it is not necessarily the best for investments: PEA, life insurance, etc ..

Up to € 100 offered when opening a Boursorama account

Boursorama customer reviews on the app and cards

✅ The Boursorama application is still at the forefront of ergonomics As his excellent notes on the AppStore (4.9/5 of more 175,000 opinions) or Google Play (4.6/5 on 90,000 opinions) prove to. Customers are quite rave about the qualities of the application, cards or the bank overall: practical, stable and secure.

❎ Only a few criticisms are made on Access to customer service which is impossible via the chat of the application, Unlike most mobile banks. However, you should not need to contact them as the application is easy to use. ��

Up to € 100 offered when opening a Boursorama account

Conclusion: Which Boursorama Card to choose ?

➡️ In conclusion, we recommend the Boursorama Ultim card. It is a very good bank card, accessible as easily in immediate and delayed flow. It also offers excellent insurance, much better than the Welcome card.

Finally, if you are looking for a metal map, Ultim Metal is the only one available in delayed debit in France. �� For further : our comparison of the best metal cards.

Up to € 100 offered when opening a Boursorama account

Faq

How much the Boursorama Visa cards cost ?

The Boursorama Visa Ultim Visa card is free, under conditions:
– In immediate flow : no income or asset conditions.
– In delayed flow : € 1,500 minimum monthly income or € 3,000 outstanding.
– Use the card once a month : if not 9 € of fees.

Visa Ultim or Visa Premier: what differences ?

In the end, there are very few differences between a Visa Premier and Ultim card, apart from their appearance. Insurance, guarantees and assistance are equivalent, as are the ceilings or the features.

How to deposit a check with your Boursorama bank card ?

To make a check, go to the “Checks” section, then click on the “Make a Digital Check” tab “.
Once the discount has been made online, it will be necessary to send the check by post.
Do not forget to sign the checks on the back and register the account number on which you want the check to be cashed.
Finally, the letter must be freed but it is not necessary to send a registered letter.

How do your bank card work ?

Antoine was heritage advisor and private banker before joining Finance heroes. He puts his service and his experience in the banking environment at your service.

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