Visa Ultim card: the Premium card without cost abroad of Boursorama Banque

�� Good to know: if necessary, you can request an exceptional withdrawal. Your withdrawal ceiling can be increased until € 3,000, for a period of 48 hours maximum. This service is free 3 times over a slippery year.

Boursorama Ultim card: Opinion, insurance and conditions

The Ultim Boursorama card is a free, accessible and high -end bank card. It is ideal for travelers thanks to its included insurance coverage and premium assistance. With its high -end services, the Boursorama Banque Ultim visa does not have to be ashamed against the first visa ! Discover the Boursorama Ultim offer in detail: opinion, insurance and conditions.

⭐ Ultim de Boursorama: the essentials

Offer	Ultim
Rate	0 € / month
Map	International visa card with systematic authorization
Insurance	Visa Premier Insurance and Assistance
Type of flow	Immediate flow or delayed flow
Welcome offer	Up to 80 € offered
Notice	Trustpilot review: 4.1 ⭐ Google Play reviews: 4.2 ⭐ Apple Store review: 4.8 ⭐

�� Opinion on Boursorama Ultim: price and characteristics of the card

Balance Bank Strike strong with his Visa Ultim : a high -end bank card, free and accessible to everyone without any income condition. Just open a bank account Balance Bank To benefit from it ! There Boursorama Ultim card is available in Immediate or delayed flow Depending on your preferences.

Which particularly appeals to us:

There Boursorama Ultim card is a free bank card including high -end insurance and assistance guarantees, worthy of a first card. ::

• luggage delay guarantee;
• guarantee loss, flight and damage of luggage;
• snow and mountain guarantee;
• Delay transport guarantee;
• Rental vehicle warranty.

The services offered by the Visa Ultim are comparable to cards Gold Mastercard Or Premier visa competing banks. However, at Fortuneo, You will have to justify a monthly income from € 1,800 net minimum to claim the Gold CB Mastercard for free. At the house of Bforbank, income conditions are € 1,600 net per month for a card Premier visa. If Monabanq And N26 do not require minimum income, their premium card is paying via a monthly subscription. There Visa Premier Monabanq is € 3 per month, and the N26 you is at the price of € 9.90 per month. Boursorama allows you to have an equivalent GOLD card for free.

What we like less:

There Boursorama Ultim Card is systematic authorization. The difference between Visa Ultim and the first visa cards lies in the payment system. This means that before each payment, the Boursorama Ultim card Questions the balance of your bank account to authorize or refuse the transaction. In places without suitable network (parking, toll), it is very likely that payment does not pass.

THE Reviews Ultim Boursorama Banque are positive, customers are satisfied with the services offered.

“Very simple bank, very practical. No fees for my part, nothing is hidden. The Ultim card is perfect, especially abroad. The application is very intuitive. I recommend.”From Hervé G on March 7, 2023 on Trustpilot. “I am a Boursorama customer and I am very satisfied ! Recently following the renewal of their offer, I changed my bank card for classic ultim [. ] I confirm Boursorama remains the best online bank for its services and prices [. ] ”De Anquetil, December 21, 2020 on Trustpilot.

If new customers Boursorama Ultim are filled by the offer, former customers are not of the same opinion ! They deplore the disappearance of the first visa, a card with non -systematic authorization, and the insistence of customer service to subscribe to the offer Boursorama Visa Ultim.

“At the renewal of my card in November 2022, the site offered its 2 Ultim cards to replace my first visa. [. ] To say that Visa Premier is equivalent to the Ultim card is false, except to take the Ultim Metal card and go from a free card to a pay card € 9.90 per month anyway [. ] ”By Jacques on December 16, 2022 on Trustpilot. “Boursorama is generally a good bank, [. ] Historical possessor of the Visa Premier card, I underwent an disproportionate and unhealthy insistence to switch to the Ultim card, this while the advantages are significantly identical.”By Freezer on January 21, 2022 on Trustpilot.

• Free card;
• without income condition;
• Premium insurance and assistance;
• Boursorama sponsorship offer € 80 offered for the opening of an account;
• free payments and withdrawals abroad;
• Payment ceilings and modular withdrawals;
• immediate or delayed flow;
• free payment insurance.

• card with systematic authorization;
• € 9 per month if there is not at least one payment transaction per month;
• Delayed flow under income condition: € 2,400 net per month;
• payment € 300 at the opening of the account.

�� Visa Ultim vs Visa Premier: which to choose ?

Before offering the Ultim card In 2019, Boursorama Banque offered a Premier visa card to its customers. Customers had the choice: Visa Ultim vs Visa Premier. Today this bank card is no longer available for sale at Boursorama Banque. You will have to turn to another bank if you want a first visa card.

If you hesitate to choose your bank card, discover our comparison Visa Ultim vs Visa Premier !

In terms of insurance, the two bank cards are equal and offer the same insurance and assistance guarantees. The department is played at the level of banking services: payments, withdrawals, ceilings and discovered authorized, but also on the price !

There Visa Ultim card is systematic authorization, Unlike the Premier visa which does not carry out control to authorize the transaction. Both are accessible in immediate flow or delayed flow, your choice. There Boursorama Ultim Card is available without condition in immediate debit and subject to income in delayed flow: 2,400 € monthly net. About the Premier visa, banks generally require a minimum of income between € 1,600 and € 2,500 per month Whatever the type of flow.

�� Comparison Visa Ultim vs Visa Premier: ceilings, withdrawals and payments

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On the price side, at Boursorama Banque, the Ultim card East free, or at 9 € per month in case of inactivity. There Premier visa card is accessible for free at Bforbank or at Bank Axa, but under conditions. You will find it from 36 € at the house of Monabanq. Know that the price of the first visa goes up to more than 130 € like a Société Générale, there BNP Paribas or at the LCL.

In the duel between the Visa Ultim vs Visa Premier, It is Ultim Boursorama who takes the lead with lower costs, flexibility in the management of your ceilings, and with free withdrawals and payments abroad ! If you are a regular traveler, you have every interest in turning to Balance Bank and its full offer.

�� Insurance and assistance guarantees from the Ultim Boursorama card

Assistance and guarantees ofBoursorama Ultim insurance are similar to premium offers Premier visa Or Gold Mastercard. The contract ofBoursorama Ultim insurance is complete: it covers you for your trips abroad, but also in France. The condition is that you are more than 100 km from your home.

• Winter sports equipment of the insured: deductible € 150 and refund up to € 800;
• Rolled winter sports equipment: franchise € 50 and reimbursement up to € 500;
• Rental of winter replacement sports equipment: 20 % deductible for damage and reimbursement up to € 300.
• Package: without deductible and up to € 800 refunded.
• Medical costs in France: up to € 2,300, franchise of € 30.

• accident in public transport: € 155,000 for partial disability and € 310,000 for total permanent disability or death;
• Training accident: € 23,000 for partial disability and € 46,000 for total permanent disability or death;
• Accident in a rental or private vehicle: € 23,000 for partial disability and € 46,000 for total permanent disability or death.

• Body damage: up to € 4,500,000;
• Material damage: up to € 1,525,000;
• consecutive intangible damage: up to € 1,525,000.

• Medical costs abroad: up to € 155,000;
• Emergency repatriation costs: real costs;
• Primary emergency costs: up to € 2,500
• Travel costs: real costs;
• Player accompanying traveler: Real costs;
• incineration or transport costs in the event of death: up to € 5,000;
• Mountain research and rescue costs: real costs;
• Emergency dental care: € 700 with frankness of € 50.

• Return of assured supporters: real costs;
• Presence at the bedside in the event of hospitalization of the insured: real costs;
• Support for accommodation costs: € 125 per night for 10 nights;
• Accommodation extension costs: € 125 per night for 3 nights.
• Replacement driver: real costs;
• Support for children under the age of 15: real costs;
• Children’s care under 15: 200 € per day for 5 days.
• transport of domestic animals: transport service only, no care;
• Transmission of urgent messages: real costs;
• Refund of telephone costs: up to € 100;
• early return of the insured: real costs;
• Assistance in the event of legal proceedings: reimbursement of advances up to € 16,000 and € 3,100 in the event of care;
• assistance in administrative procedures;
• Advance of costs on site: up to € 2,000 reimbursed;
• Renting of objects abroad: real costs.

• Rent your car in a company specializing in vehicle rental;
• set all or part of your car rental with your Boursorama Ultim card.

It is therefore not necessary to take additional insurance during your vehicle rental !

�� Boursorama Ultim: the card for traveling at no cost

Boursorama Ultim is the favorite card of international travelers ! It allows you to travel without additional expense or almost, in France, in Europe or abroad:

• Payments and withdrawals in Euro: free and unlimited.
• Currency payments: free and unlimited;
• Currency withdrawals: 3 free per month, beyond, 1.69 % per withdrawal.

THE Ultim Boursorama Visa Ultim Ultim Card are modular:

• payments until € 20,000 on 30 days slippery;
• withdrawals until € 2,000 on 7 days sliding.

In the event of an emergency, you can immediately unlock your ceilings from the mobile application.

�� Good to know: if necessary, you can request an exceptional withdrawal. Your withdrawal ceiling can be increased until € 3,000, for a period of 48 hours maximum. This service is free 3 times over a slippery year.

Please note, the ceilings are only applicable if you have been a customer for more than 3 months !

�� The conditions for granting the Ultim Boursorama card

The conditions for granting the Boursorama Ultim Card are flexible, which makes it a real competitive advantage ! Balance Bank does not require any minimum income to have the Visa Ultim card in immediate flow. You will simply have to make an initial deposit in an amount of 300 € when opening your current account. And if you are already a customer, you will have to have an outstanding 300 € minimum On all of your accounts.

Despite a compulsory deposit of 300 €, there Ultim card remains accessible ! Balance Bank offers you high-end services, assimilated to a Gold Mastercard or a first visa, without paying a subscription.

If you prefer to opt for the Visa Ultim card has deferred debit, So you will have to justify a minimum income of € 2,400 net per month. Note that you do not have to domicile your income at Balance Bank. Finally, if you are already a customer, you will have to have an outstanding an amount of € 6,000 on all of your accounts to request a Boursorama Ultim card.

�� Discovered with Visa Ultim

At Boursorama Banque, when opening a current account with Visa Ultim, THE Overdraft is of 0 €. Under condition, you can get a Authorized overdraft of € 100 : you will have to justify an outstanding € 1,000 minimum. And after 3 months of seniority, You can increase your authorized overdraft until € 2,500 with your Ultim card.

�� Authorized Ultim Visa Overcome Amount

Authorized overdraft ceiling	Outstanding (after 3 months)
100 €	€ 1,000
200 €	€ 2,000
500 €	€ 5,000
1000 €	€ 10,000
€ 1,500	€ 15,000
€ 2,000	€ 20,000
€ 2,500	€ 25,000

At Boursorama, the provision of an overdraft is free, but if the balance of your account is debtor then, you will have to pay agios. But fortunately for you, Boursorama Banque stands out thanks to overdraft Among the cheapest on the market:

��‍♀️ FAQ:

�� What are the advantages of the Ultim Boursorama card ?

• No income condition for a delayed debit card;
• Free card;
• Payments and withdrawals in free and unlimited euros;
• free currency payments;
• 3 free currency withdrawals per month
• high -end insurance coverage;
• Premium assistance;
• discovered authorized after 3 months of seniority.

�� Which Boursorama bank card to choose ?

There Visa Ultim card is the best possible choice at Balance Bank. This bank card is free and accessible without income condition !

❌ Why Boursorama stops the first visa ?

Balance Bank stop her Premier visa with a view to simplifying your pricing grid. There Visa First Boursorama is now replaced by the Visa Ultim Metal, accessible from € 9.90 per month.

�� The offers of the moment ��

up to 120 € offered

€ 100 offered with the BRS100 code

€ 230 offered with the FTN0923 code

An advisor to your service

From Monday to Friday from 7 a.m. to 9 p.m., Saturday 8:30 a.m. to 6.30 p.m. and Sunday from 9 a.m. to 5 p.m.

Visa Ultim card: the Premium card without fees abroad of Boursorama Banque

Fancy a free premium bank card without income conditions ? The Ultim Boursorama card is very suitable for those looking for a inexpensive bank card with extended insurance coverage, high ceilings and reduced costs abroad. Having dethroned the first visa in 2021, the Ultim card is worth the cost ? Discover this offer in detail.

• Deposit of € 300 for the opening of the account
• Without income conditions (unless choice of delayed flow: € 2,400 in monthly income)

• Free (subject to one payment per month, otherwise 9 €/month)

• Free
• Modular ceilings
• Reduced costs abroad
• Payment with Apple Pay

�� Notice Visa Ultim card: what is the free stock market card for bankrama ?

Visa Ultim is an offer Free account and card marketed by Boursorama Banque, the cheapest bank of the market. She replaced thePrime Visa offer from Boursorama And is between the entry -level Welcome offer and the Premium Ultim Metal card at € 9.90/month.

There Boursorama Ultim Card has many advantages:

• A Ultra Design Map : original while remaining sober, the Boursorama Ultim Black Carte wears a Unique and elegant design. It’s a Visa Classic card with systematic authorization.
• A free banking : True to the promise of online banks, Boursorama breaks prices and offers a card with the assets equivalent to a first visa at zero euro per month, without income conditions and without hidden expenses.
• Premium insurance and assistance guarantees: with a Boursorama Ultim Card, You can benefit from the same Insurance and assistance that with a first visa card. Go abroad with the light spirit !
• Of the Reduced foreign costs: perfect for international profiles, the Visa Ultim Allows you to withdraw and pay worldwide, at no additional cost (up to 3 free withdrawals per month in currencies).
• A Efficient mobile application : Elected best digital bank in 2021, Boursorama Banque makes available to its customers an at the cutting edge, thought to be able to carry out all your operations remotely and make your budget management easier.

�� The Visa Ultim offer: Conditions and prices

There Immediate debit visa is accessible without income conditions, However, including a deposit condition at the opening of the account of € 300 as well as a condition of use. So that your Boursorama Ultim Card remains free, it will be necessary to use it at least 1 time per month.

The Boursorama Ultim with delayed debit includes income conditions. To benefit from it, it will be necessary to justify Over € 1,500 in monthly income or € 3,000 savings.

Boursorama Banque is known to be the cheapest bank : Discover the different costs and prices provided for in the offer Visa Ultim.

Ultim Bank Boursorama
0 € per month

➡️ Current costs:

�� Account holding costs: ✔️ Included

�� Inactive account holding costs: 9 € per month if no CB use in 1 month

➡️ Travel costs abroad:

�� Withdrawal in euro zone: ✔️ at no cost and unlimited

�� Withdrawal outside the euro zone: 3 free withdrawals per month1.69% beyond

✈️ Payments while traveling abroad: ✔️ at no cost and unlimited

➡️ costs on payment incidents:

��️ Intervention committee: ✔️ None

�� Authorized discovered: 0.07

�� Unauthorized discovered: 0.16

➡️ Fresh on transfers:

�� Instant transfer: ✔️ Free

�� SEPA transfer: ✔️ Free

�� International transfer: In euros: € 20 in currency costs: free

Updated data in August 2023

Visa Ulti Boursorama ceiling: what about ? The ceilings applied by Boursorama on the Visa Ultim card are the following :
✔️ Payments: from € 2,500 to € 20,000 over 30 sliding days
✔️ withdrawals: from € 300 to € 2,000 over 7 slippery days

�� Discover Ultim by Boursorama Banque

☂️ Boursorama Visa Ultim insurance: premium coverage abroad

Although the Boursorama Ultim card remains a Systematic authorization card, It includes a insurance cover similar to the first visa. Ultim customers benefit from assistance andPremier visa insurance up to € 2 million. What go on vacation with a quiet spirit !

The offer does not include the Protection of your payments and electronic devices. Including automatic with an Ultim Metal card, these insurances are optional, at € 0.99 and € 1.51 per month, for the Visa Ultim Boursorama.

Ultim Bank Boursorama
0 € per month

➡️ Insurance guarantees:

• �� Death / disability warranty up to € 310,000
• �� Transport delay guarantee
• �� Luggage delay guarantee up to € 400 for 1st necessity purchases
• �� loss or loss of baggage guarantee up to € 800
• �� Civil liability guarantee abroad up to € 1,525,000
• �� Rental vehicle warranty up to € 46,000
• ��️ Warranty interruption by cancellation of travel up to € 5,000
• ❄️ Snow and mountain guarantee

➡️ Assistance guarantees:

• �� Medical repatriation
• �� Travel hospitalization abroad
• �� Replacement driver
• �� Too bad or theft of the rental vehicle
• ⚖️ Legal aid on a trip abroad

➡️ Other services:

• ��️ Cashback with 100 % free “The Corner” service by Boursorama
• �� Average payment insurance and personal effects
• �� Telephone insurance and tablets

Updated data August 2023

�� My Free Boursorama card

✈️ Visa Ultim Boursorama to travel: costs abroad

At no foreign cost, there Visa Ultim Boursorama card has something to seduce international profiles and travelers anxious to reduce their bank charges.

With this free offer, Boursorama intends to compete with neo-banks, often preferred for travel and leisure.

☑️ Free and unlimited withdrawals in Europe : a strong argument when you know that neo-banks limit withdrawals in euros.

☑️ 3 free withdrawals per month outside the euro zone : a real advantage compared to the free offers of neobancs who take commissions from the first withdrawal. Revolut, however, innovates with its free exchange service up to £ 1,000 in its standard formula.

☑️ Free and unlimited payments all over the world : Boursorama Banque aligns with neo-banks and allows the globes trotters Pay by bank card at no cost worldwide.

In addition, the free stock market offer includes travel insurance when standard neobanque offers does not include it. There Boursorama Ultim card is therefore suitable for traveling.

➡️ Want Reduce your bank charges abroad ? Consult our guide from the best cards to travel.

⭐ Our opinion on the Visa Ultim Boursorama card

Overall, the Visa Ultim card offers a very good compromise between online banking and neo-banks at a very competitive price.

• Premium offer without income conditions
• Reduced trips abroad
• Visa Premier insurance cover
• Overdraft
• Sponsorship program + generous welcome offer
• Efficient mobile app

• Bank card with systematic authorization
• Discovery bank accessible after 3 months of seniority
• Delayed flow under conditions of income
• Number of free limited retreats in currency
• Deposit of € 300 at the opening
• Person in banking not accepted

Updated data August 2023

Compared to neo-banks, it has a Efficient mobile application and offers a Free premium offer When it takes € 7.99 at Revolut or € 9.90 per month for N26 for an equivalent card. Boursorama being an online bank, its Ultim offer includes a right to overdraft and gives access to the entire range of Boursorama banking products : scholarship, savings products, borrowing solutions, a real plus for investor profiles.

➡️ Want to know more about Boursorama reviews ? Discover our full and detailed opinion on the Boursorama offer.

⚖️ Ultim or Visa Premier card: we lost on change ?

Release during the summer of 2019, the Visa Ultim has today replaced the Visa Premier card. Since the release of the Ultim Metal offer, the Visa Premier card has no longer been offered to new customers. Both, which is the most interesting ? Discover our opinion on the Visa Ultim vs Visa Premier.

Ultim Bank Boursorama
0 € per month

• Without income conditions in the event of immediate flow ; € 1,500 of monthly income if deferred debit
• Deposit of € 300 at the opening of the account

• Payments: up to € 20,000 (over 30 sliding days)
• Withdrawals: up to € 2,000 per week

• Payments: up to € 20,000 (over 30 sliding days)
• Withdrawals: up to € 3,000 per week

• € 100 by default

• € 600 per default

What about Visa Premier Customers in Boursorama ? The situation changes for Visa Premier Customers of Boursorama. To the reissue of their card, they may Choose between keeping a first visa card or changing for a visa ultim. However, to claim the Ultim visa, customers will have to fill out more demanding income and use conditions that for new customers. Indeed, they must justify regular use of their card and a Monthly income of € 1,800 or € 3,000 in savings, Doubled conditions for a Boursorama joint account.

Another advantage of the card Visa Ultim, It works in real time : ideal for keeping hands on these daily expenses.

�� Ultim visa compared to other premium cards of online banks

If we compare the offer Visa Ultim To the other premium offers of online banks, we can see that Boursorama Banque has a very competitive offer by offering A card that is both free and without income conditions.

Our selection of best visa first offers

��Bank card �� Speed �� Benefits

BforBank Premier
0 € per month

• Immediate
• Delayed

• Free gold card
• Premium insurance for travel abroad
• Overdraft
• Access to all BforBank banking products
• Customer service available 6 days a week

HSBC Visa Premier
€ 11.17 per month

• Immediate
• Delayed

• Free currency withdrawals from HSBC distributors
• Comfortable payments and withdrawal ceilings
• International agency networks

GENERAL SOCIETY First
€ 14.90 per month

• Immediate
• Delayed

• Agency advisor
• No income condition
• Discovered authorized accessible on request
• Basic insurance on a trip abroad
• Decreased prices for the youngest

Updated data August 2023

Monabanq is positioned as a Cheap alternative. For 5 €/month, You can get a Visa Premier card, without income conditions. However, to benefit from the same Advantages abroad that with the Visa Ultim card, It will be necessary to opt for the UNIQ subscription+ first visa at € 12 per month.

➡️ to find out more about free online banks, Consult our ranking of the best free online banks cards.

�� To discover also: Our Boursorama or N26 comparison

�� Learn more about the Ultim Boursorama card

✅ What are the advantages of the Ultim Boursorama card ?

There Boursorama Ultim Card presents various advantages:

• Free card without income conditions (if choice of immediate debit)
• Modular ceilings : up to € 20,000 for payments; up to € 2,000 for withdrawals
• Insurance cover similar to the Visa Premier card
• No costs on euro and currency payments
• Reduced costs abroad
• Welcome offer For all new customers

�� How to take advantage of cashback with Boursorama ?

The Corner is a free “privilege space”, accessible to all Boursorama customers with bank accounts (excluding pro account). This premium service launched by Boursorama Allows access to cashback offers, discounts and vouchers in a large number of stores and brands. More information from your Boursorama customer area.

�� What is the best card at Boursorama ?

If you are looking for a free bank card without income conditions, the Visa Ultim card is the best card to choose from Boursorama. It benefits from the same insurance coverage as the Visa Premier card, you are therefore protecting in the event of travel abroad, etc. In addition, Boursorama offers a welcome offer to go up to € 150 .