Fortuneo opinion (2023): why is it one of the best online banks?, Fortuneo opinion (2023): should you open an account?

Fortuneo opinion (2023): should you open an account 

See the functionality as an excellent point also to supply an account. If you need to feed another Fortuneo account or another bank account, you can do so instantly with Fortuneo. Online bank account can be powered by bank transfer, but also by credit card. Again, this is an excellent point. Fortuneo offers that its customers use their card with another bank to send funds to their account. As a traditional payment, there is no need to wait to receive your funds. The whole thing is free at the Fortuneo online bank which is not the case in certain neo-banks like N26. Functionality is unavailable at Boursorama Banque.

Fortuneo opinion (2023): why is this one of the best online banks ?

With more than 20 years of experience in the market, Fortuneo Banque turns out to be one of the Online banks the most popular of this generation. Although it has started by offering only online scholarship services, it remains today a very good alternative to simplify your daily transactions.

The Fortuneo online bank belongs to the Crédit Mutuel Arkéa group. The latter has more than 4.9 million members and customers, including 1,050,000 active customers only for Fortuneo. With two decades of experience, Fortuneo is today a leader in the neobank market.

But what really is it ? Here is our opinion on Fortuneo.

  • Presentation of Fortuneo Banque
  • The time offer at Fortuneo Banque
  • Fortuneo Bank Opinion: The current account
  • Fortuneo Bank Opinion: The joint account
  • Fortuneo Bank Opinion: Bank cards
  • Fortuneo Bank Opinion: Credits
  • Fortuneo Bank Opinion: Savings booklets
  • Fortuneo Bank Opinion: Life insurance
  • Fortuneo Bank Opinion: The Stock Exchange
  • Fortuneo Bank: Clubic opinion

Presentation of Fortuneo Banque

Fortuneo was born in 2000 by quickly specializing in online stock market services. The commercial brand belongs to the Crédit Mutuel Arkéa group.

It will be necessary to wait until it became an online bank in its own right and offer services similar to traditional banks, but this time 100 % digital with its dedicated mobile application.

Fortuneo has been able to gain popularity thanks to its simple, accessible and inexpensive online banking services. It is for this reason that it is today one of the best online banks on the market.

  • No account holding fees
  • Free bank cards
  • A very complete mobile application
  • No species deposit
  • First payment of € 300

The time offer at Fortuneo Banque

Unlike traditional banks, neobanques often offer opening premiums. Fortuneo currently offers € 80, under conditions. The good news is that even existing online bank customers can benefit.

  • New customers must imperatively subscribe to a deposit account with a Gold CB Mastercard card. 5 payments must be made with this same bank card within 90 days after effective subscription.
  • Existing customers, on the other hand, must apply for a Gold CB Mastercard card and make 5 payments with it within 90 days after subscription of the card.

To be able to benefit from this offer, you must complete the conditions of obtaining and add the operation code “BienvenueFto” in the subscription file and the acceptance of the request.

You will be able to receive the € 80 within 30 days after making the 5th payment with the requested bank card.

Fortuneo Bank Opinion: The current account

The opening of an account at Fortuneo

At Fortuneo, the opening is very simple and is done directly online. In addition to having a welcome offer of 80 euros (under conditions), it also provides many exclusive services.

What conditions to open a current account ?

The only conditions in order to be eligible for a current account opening at Fortuneo are:

  • Already have a current account in France;
  • Be an adult and be a natural person;
  • Be an individual. Indeed, it is not accessible to professionals and legal persons.

Several supporting documents remain essential to be eligible:

  • Proof of identity;
  • A tax notice or a report reporting to income tax;
  • A proof of address of less than 3 months;
  • Proof of income for employees;
  • Finally, a RIB of a French current account already opened is necessary to be able to make the initial payment of € 300.

How to open a current account at Fortuneo ?

The opening of a current account at Fortuneo is relatively simple and is done directly online.

  1. Choose the bank card you want between the three available (Fosfo Mastercard, Gold CB Mastercard and World Elite Mastercard). They are all free, under conditions. But be aware that the Gold CB Mastercard card allows you to get a welcome bonus of € 80.
  2. Fill out the registration form. You will need to register your name/first name, residence address, telephone number and email address. Also, don’t forget to add the “Welcome” code, if you choose the Gold CB Mastercard card, to be eligible for the opening offer.
  3. Add the necessary supporting documents online.
  4. Perform the initial deposit requested on the current account, depending on the choice of the bank card. If you open an account with an FOSFO card via the mobile application, or you are already a customer at Fortuneo Banque, no initial payment is compulsory.

The specifics of the current account at Fortuneo

Food

To be able to feed your current account at Fortuneo, several solutions are available to you.

1. By credit card

  • Connect to your Fortuneo customer access;
  • Choose the account to credit if you have several;
  • Click on the “transfer” option;
  • Click on the “feed your account” category, then “credit by bank card”;
  • Follow the instructions to finalize the payment.

2. By cheque

Beforehand, remember to apply for a checkbook from Fortuneo Banque. To do this, connect to customer access and order a check for check slip.

  • Fill your check to your order;
  • On the back of the check, indicate the number of your current account and affix your signature to the front and back;
  • Send your check to: Fortuneo – TSA 41707 – 35917 Rennes Cedex 9.

3. By bank transfer from a third -party bank

It is also possible to feed it using another account domiciled in another bank. To do this, it is imperative to have the Iban of the desired current account. Here’s how to get it:

  • Connect to your customer access;
  • Choose the current account to credit, if you have several;
  • Select the “Banking contact details (IBAN)”.

The ceiling

As with traditional banks, there is no maximum ceiling on a current account of an online bank.

However, there are payment ceilings according to the choice of the bank card.

    • Fosfo Mastercard : 2,000 euros per day and per week;
    • Gold CB Mastercard : 2,000 euros per day and per week;
    • World Elite CB Mastercard : 3,000 euros per day per week.

    The costs applied

    It does not have any opening costs or management and is also without costs on current operations.

    Discoveries

    At Fortuneo Banque, overdrafts are authorized on the current account of € 200 of € 200. However, it remains limited since it must not exceed 30 days. Applied debtor interest rates are 7 %.

    However, if the overdraft exceeds 30 days, applied interest rates relate to unauthorized overdrafts and are 11 %.

    Note that it is possible to modify the ceiling of the overdraft according to the regularity of your income. However, if the overdraft exceeds 90 consecutive days, Fortuneo reserves the right to offer you a consumer credit offer.

    Fortuneo Bank Opinion: The joint account

    The opening of a joint account at Fortuneo

    As with the individual model, the joint account also benefits from the welcome offer of € 80 (under conditions). It is possible to open a joint account with one or two associated bank cards.

    What conditions to open a joint account ?

    The joint account is ideal for sharing operations as a couple. The two co-holders are free from the operations and the latter therefore works on confidence.

    To be able to open a joint account, the conditions to be fulfilled are the same as for the opening of an individual current account.

    • Already have a current account in France;
    • Be an adult and be a natural person;
    • Be an individual. Indeed, it is not accessible to professionals and legal persons.

    Know that it is not compulsory to be married or PACS to be able to open a.

    How to open a joint account at Fortuneo ?

    The opening of a joint account is similar to an individual current account.

    1. Choose the bank card you want between the three available. They are all free, under conditions. Know that it is possible to have two cards associated with the joint account. However, it is possible to subscribe only one World Elite CD Mastercard card.
    2. Fill out the registration form. You will need to register your name/first name, residence address, telephone number and email address. The opening bonus of € 80 is also valid on the attached accounts if you choose the Gold CB MasterCard card.
    3. Add the necessary supporting documents online.
    4. Make the initial deposit requested on the joint account, depending on the choice of the bank card. If you open an account with an FOSFO card via the mobile application, or you are already a customer at Fortuneo Banque, no initial payment is compulsory.

    The specifics of the joint account at Fortuneo

    Food

    The operation of the joint account is very similar to the individual current account. To be able to feed it, you can do it via interbank transfer from a third -party bank, by check and by bank card.

    Everything happens directly online from your customer access. The platform is very well done and allows the two co-holders to quickly access the account and feed it as you see fit.

    The ceiling

    There is no ceiling applied to the Fortuneo joint account. However, it is not advisable to have more than 100,000 € on it. Beyond this amount, it is more judicious to open a savings account.

    Like the individual current account, the joint account has payment ceilings according to the choice of the bank card.

    • Fosfo Mastercard : 2,000 euros per day and per week;
    • Gold CB Mastercard : 2,000 euros per day and per week;
    • World Elite CB Mastercard : 3,000 euros per day per week.

    The costs applied

    There are no fees applied to the fortuneo joint account. You have no opening costs, fence, or account holding.

    Discoveries

    The overdrafts are also authorized for the joint account at the maximum of 200 euros. However, he must not exceed 30 days. Applied debtor interest rates are therefore 7 % for the authorized overdraft.

    If the latter exceeds 30 days, applied interest rates relate to unauthorized overdrafts and are then 16 %. Finally, if it exceeds 90 consecutive days, Fortuneo Banque can offer you a consumer credit offer.

    To conclude, Fortuneo is undoubtedly theOne of the best online banks on the market. Its offer is complete, varied and accessible to all types of profiles.

    Whether for the purposes of everyday life or to save, even investing its capital, Fortuneo offers offers adapted to everyone and the lowest costs on the market.

    Fortuneo Bank Opinion: Bank cards

    The Fosfo Mastercard card

    Presentation of the Fosfo Mastercard card

    The map Fosfo Mastercard is the first card offered by the Fortuneo online bank. It is free from a payment made per month. Otherwise, the monthly costs amount to 3 euros.

    At the opening of the individual or joint current account, the initial deposit requested is € 300. No income condition is requested, so it is accessible to everyone.

    The advantages of the Fosfo Mastercard card

    Beyond being free, the Fosfo bank card has many other advantages:

    • No costs are applied to current operations in France and abroad;
    • The withdrawal ceiling is 500 euros per day and week, and the payment ceiling is 2,000 euros per day and week;
    • Medical assistance, repatriation and hospitalization are taken care of;
    • Legal assistance abroad is also included in card services;
    • A cashback system is also offered to various partner merchants of the Mastercard Travel Rewards program.

    The Gold CB Mastercard

    Presentation of the Gold CB Mastercard card

    Like the Fosfo Mastercard card, the bank card Gold CB Mastercard is free, subject to a card payment per month. Otherwise, monthly costs amount to 9 euros.

    To be able to obtain this card, it is necessary to justify at least 1,800 euros in monthly net income. An initial deposit of 300 euros is requested at the opening of an account with a Gold CB Mastercard card.

    The advantages of the Gold CB Mastercard card

    It also has many advantages:

      • No costs are applied to current operations in France and abroad;
      • No costs on online purchases made in foreign currencies;
      • The withdrawal ceiling is 900 euros per day and 1,000 euros per week, and the payment ceiling is 2,000 euros per day and week;
      • Many insurance and assistance guarantees included for leisure and trips;
      • Ephemeral, free and unlimited virtual cards to secure your online purchases;
      • A cashback system is offered to partner traders as part of the MasterCard Travel Rewards program.

      The Gold CB Mastercard card currently has a welcome offer allowing you to receive 80 euros directly on your current account (under conditions).

      The World Elite Mastercard card

      Presentation of the World Elite Mastercard card

      The credit card World Elite Mastercard is the exceptional card of Fortuneo Banque. To get it, you must be able to justify a monthly payment of 4,000 euros on the current account.

      When opening your current account, an initial deposit of 300 euros is necessary. Finally, as part of an opening of a joint account, only one World Elite Mastercard card can be associated.

      The advantages of the World Elite Mastercard card

      This exceptional card has many advantages:

          • No costs are applied to current operations in France and abroad;
          • No costs on online purchases made in foreign currencies;
          • The withdrawal ceiling is 900 euros per day and 1,600 euros per week, and the payment ceiling is 3,000 euros per day and week;
          • A free concierge service is available 24 hours a day, 7 days a week. Ideal for managing your trips, reservations and your daily life;
          • VIP access at airports participating in MasterCard® services;
          • A free medical teleconsultation service is available 24 hours a day, 7 days a week. It is dedicated to general medicine for you and your loved ones;
          • VIP services and offers everywhere in France and abroad with the MasterCard® network;
          • Free and unlimited ephemeral virtual cards to secure your online purchases to the maximum;
          • A cashback system with partner merchants of the Mastercard Travel Rewards program.

          The American Express card

          Not included in the offers of the individual or attached current account, existing customers of online banking can still apply for a American Express. There are three types of bank cards: Blue, Green and Gold.

          All cards are free on expenditure conditions and have a multitude of advantages. Here are some examples :

          • 0.5 % cashback on your expenses via the American Express loyalty program;
          • A customer service available 24/7;
          • An exclusive American Express® mobile application;
          • Reinforced insurance and assistance guarantees, in France and even abroad.

          Fortuneo Bank Opinion: Credits

          Real estate credit at Fortuneo

          Request for mortgage is fully online. Unlike traditional banks, Fortuneo only accept projects to purchase new (excluding construction), purchase of old good (including work) and credit buyout (including work). This can be for une Principal, secondary or rental residence only located in France.

          • The amount of the loan is 80,000 to 2 million euros for a house or an apartment, for private use and full property only;
          • The reimbursement period is 7 to 25 years. For a rental investment, it cannot exceed 20 years;
          • The minimum contribution requested is 10 % of the project. No contribution is requested in the event of a repurchase of credit or rental residence.

          People eligible for Fortuneo mortgage must be a natural person, employee or having a liberal profession and being a tax resident of the French territory.

          Auto credit at Fortuneo

          There is no specific auto credit in the Fortuneo online bank. However, you can make a Personal loan. This one aims to finance all your personal projects, even the purchase of a car.

          The advantage of this loan is that it allows Finance classic and electric cars at a rather advantageous fixed rate.

          • The loan demand is very fast and 100 % online;
          • The amount must be between 1,000 and 50,000 euros;
          • The reimbursement period is 6 to 84 months;
          • No costs are applied in the event of early reimbursement.

          When your request has been made, you get a response in principle immediately. You have to wait 24 hours to get a final response.

          Consumer credit at Fortuneo

          On the same principle as for the car loan, Consumer credit takes the form of personal loan Chez Fortuneo Banque.

          Just fill out the request and choose the reason for your choice. This can be for a personal project, work or something else. Anyway, the criteria are similar:

          • The rates are fixed;
          • The loan demand is very fast and 100 % online;
          • The amount must be between 1,000 and 50,000 euros;
          • The reimbursement period is 6 to 84 months;
          • No costs are applied in the event of early reimbursement.

          When your request has been made, you get a response in principle immediately. You have to wait 24 hours to get a final response.

          Finally, to be able to borrow from Fortuneo Banque, it is necessary:

          • Being aged 18 to 80;
          • Live in mainland France;
          • Not be registered on one of the files of the Banque de France;
          • Justify stable income.

          Fortuneo Bank Opinion: Savings booklets

          The booklet A at Fortuneo

          THE A booklet is a regulated savings book that allows you to Short -term savings. It has the advantage of being exempt from taxes and social security contributions.

          • The interest rate is 3 % net annual;
          • The maximum payment ceiling is 22,950 euros;
          • The minimum deposit is 10 euros;
          • The calculation of interests is made via the ruling of the fortnight;
          • The availability of funds is total and immediate.

          Finally, know that it is possible to have only one booklet A per person, adult or minor.

          The booklet + / Booklet + Child at Fortuneo

          Fortuneo Banque offers two booklets +: a first for adults and a second for children from Customers Fortuneo.

          The adult booklet +

          • The interest rate is 1 % gross annual;
          • No fees are applied when opening and fearing the booklet;
          • The payment ceiling is 10 million euros;
          • The minimum deposit is only 10 euros;
          • The calculation of interests is done at the fortnight.

          The Booklet + Children

          • The interest rate is 1 % gross annual;
          • This is reserved for children of customers under 18 years old;
          • The payment ceiling amounts to 10,000 euros;
          • The minimum payment is 10 euros;
          • No fees are applied when opening and fearing the booklet;
          • Interests are subject to tax and social levies;
          • Finally, the interests are calculated at the fortnight.

          LDDS at Fortuneo

          THE Sustainable and solidarity development booklet is, like booklet A, a completely exempt tax savings booklet. It is therefore interesting for customers who have never spared and who wish to start.

          • The interest rate amounts to 3 % net per year;
          • Its payment ceiling is 12,000 euros;
          • The initial and monthly payment is from 10 euros;
          • The present capital is available immediate and in its entirety;
          • The calculation of interest is done via the rul of fortnight.

          Like booklet A, it is only possible to have one ldds per person, major or minor.

          Fortuneo Bank Opinion: Life insurance

          Life insurance is the most widespread way of saving in France. With l’Fortuneo Life offer, You can choose between two membership formulas and two types of management.

          Membership formulas

          • Funds in euros overcoming opportunities 2 in free management with an interest rate of 2.10 % net annual. 50% minimum unit support must be present at each payment.
          • Funds in euros are able to return 2 in free management with a rate of 1.80 % net annual. 30% minimum unit support must be present at each payment.

          Types of management

          • There free management Allows you to manage your own life insurance and to invest or not in more than 200 investment media. This management is accessible from 100 euros in investment.
          • There mandate management is delegated to specialists and is accessible from 300 euros in investment. It directly uses investments in account unit. Depending on the formula chosen, the risk of loss of money can be higher.

          The advantage of life insurance is that the availability of funds is immediate and taxation is much more advantageous than a simple savings booklet. Finally, know that it is possible to hold several life insurance contracts.

          Fortuneo Bank Opinion: The Stock Exchange

          Fortuneo has made an important place in the world of online services, especially for online scholarship.

          Several scholarship accounts are available to Fortuneo customers:

          • Ordinary titles account : it allows you to invest in different French and foreign markets and in all forms of possible assets. It has the advantage of not having a payment ceiling.
          • Pea : This only makes it possible to invest in European assets (shares, trackers ETF, OPC), the limit payment ceiling is 150,000 euros.
          • PEA-PME : similar to the previous PEA account, it also offers the opportunity to invest in small and medium -sized enterprises. The maximum payment ceiling is 225,000 euros.

          In total, Fortuneo offers 1,700 financial products, all negotiated at 0 % or 1 % entry fees. Remember that stock market investment includes risks. You are never immune to a total or partial loss of your invested capital.

          Fortuneo Bank: Clubic opinion

          Fortuneo

          Customers wishing to facilitate their daily operations through a current account will be delighted by the services offered by Fortuneo. Ease of use, accessibility and complete offers are on the program for one of the best online banks.

          In addition to that, Fortuneo offers rather interesting financial investments (life insurance, PEA, etc.), and allows enthusiasts of the online scholarship to invest in the assets of their choice.

          • No account holding fees
          • Free bank cards
          • A very complete mobile application
          • No species deposit
          • First payment of € 300
          • No account holding fees
          • Free bank cards
          • A very complete mobile application
          • No species deposit
          • First payment of € 300

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          Comments (2)

          Very clear degradation of the service since 2019: waiting time for customer service, incompetence of subcontractors of the call platform, immediate creation spent in a period of 72h00 in working days for the creation of a new RIB, suppression of automatic transfers in the course of an exceptional transfer greater than the weekly ceiling, this without alert.
          Very satisfied for years, in fact more customer service and unable to contact an official capable of understanding and taking into account structural dysfunction.
          The question arises to change bank.

          It’s clear. Basic MasterCards cards are the best, and free of charge: deactivation of the physical card number for any internet payment, activation or complete deactivation of the card RFID chip, virtual card number for internet payment: You can either make a single payment, or have a valid number for a single supplier over several months (for example to pay the canteen with a recorded number).

          Fortuneo opinion (2023): should you open an account ?

          Fortuneo is a French online bank with more than 13 years of experience and which is today approaching million customers. They are in France, but also in Belgium, Luxembourg and Switzerland. The Crédit Mutuel Arkéa subsidiary has long built in the shadow of its competitors, but is now looking to take advantage of the end of ING in France and the craze of customers for a 100 % online bank. A new welcome bonus policy is helping the establishment today to accelerate its growth.

          If you are looking for an online bank, then you are part of the main target of Fortuneo. The welcome bonus is one of the few available from French banks and has something to come and open an account. In competition, this gift of a few tens of euros is temporary and does not appear all the time. Now it is important to know if the fortuneo banking offer is complete enough for you And if you will please you.

          Fortuneo Banque Avis

          For once, Fortuneo does not have to be ashamed in the face of other online banks, because its range of products is very wide: a current account with premium bank card, even very premium (a black card world elite from Mastercard is available), Fortuneo also offers savings booklets, consumer credit, mortgage, stock market and life insurance. Several features are new in Fortuneo online banking such as access to American Express cards, free withdrawals abroad, a free bank card or as we have said, the bonus of welcome.

          Our Fortuneo opinion is detailed here with all the details on the products, management, registration and prices charged by online banking. To learn all about the rates charged, the availability of customer service and hidden costs, we have done a fortuneo test with all of these parameters taken into account. In 2023, there have been many changes to online banking and it is therefore important to keep up to date on the offer, so that it can then compare it with other establishments and Get an opinion on Fortuneo.

          Presentation of Fortuneo

          To start our Fortuneo opinion, let’s take a moment to talk about the history of the bank. Where does this French establishment come from ? In 20 years, he has experienced many stages and metamorphoses. As Boursorama, he was born not as a bank, but as a stock market investment platform. The broker was born in 2000 under the name of Fortuneo before being temporarily renamed. It was in 2009 that she became a real mobile bank, 3 years after being bought by Arkéa, who became the cooperative and mutualist bancassurance group that we know today under the name of Crédit Mutuel Arkéa.

          During its first ten years, Fortuneo has grown with the help of significant external growth support. The bank has bought many other platforms like I-Bourse, in order to win new customers and make its amount of outstanding outstanding. The number of customers has gradually increased, especially between 2014 and 2022 where it went from 314,000 to more than 880,000 (for more than 30 billion euros in outstanding). We suspect the bank to be everything Close to 900,000 customers Today and its new welcome supply policy to open a Fortuneo account would suggest that the bank has a hidden goal of exceeding one million customers in a nearby horizon.

          To be able to recover customers in Boursorama, Hello Bank! Or in neo-banks like Revolut, N26 and the Nickel account, Fortuneo is based on a very complete offer, including both accessible and Utramium bank cards, like its Mastercard World Elite card. Bforbank also offers one, but it is much more expensive than that of Fortuneo. You will be able to find more information on bank cards in the associated section. Abroad, Fortuneo is also distinguished by cards with free payments and withdrawals. Most banks do not offer equivalent for withdrawals.

          In 2023, being able to access savings and credit as well as online brokerage is important to be able to open an account that will become our main account. Online brokerage, in other words investment on the stock market, is a high quality in Fortuneo that other establishments do not share or not at the same level of expertise. Fortuneo life insurance is called Fortuneo-Vie and the bank offers both free management (you choose where your assets go) or sub-Mandat management, where you leave the competence to a professional depending on the risk profile that you wish.

          The conditions to open an account

          To be able to move away from any risk and thus offer products at a lower price, Fortuneo pursues a rather strict policy at the level of its inscriptions. This is why several customers were of the opinion that Fortuneo was not the fastest bank to open an account. Before offering you our tutorial to open a Fortuneo account, here are some elements to know about the conditions practiced by the online bank. You must respond to everyone in order to consider opening a Fortuneo account, in particular to obtain a current account. Certain conditions apply strictly to the cards concerned, this is the case for income conditions and deposits.

          If you are not yet a Fortuneo customer, you must:

          • Be a natural person
          • Being older than 18
          • Already have a bank account in France
          • Respect the conditions for granting cards and attached accounts (income or outstanding conditions)

          Fortuneo does not require being necessarily a tax resident in France, but as you can notice, you must have a bank account in France before hoping to be able to open a Fortuneo account and obtain means of payment at the online bank online. If you wish to justify your status as a tax resident outside of France, Fortuneo will ask you to provide one of these documents:

          • Certificate of residence established by the tax administration of your country of tax residence
          • Cerfa 5000 Form
          • Certificate on the honor of non -tax residence + tax notice abroad or consular registration in the register of French established outside France.

          In parallel, Fortuneo is not accessible to legal persons (self-employed, SCI, trustees, etc. or professionals. The Fortuneo online bank does not offer a pro account. Finally, the conditions for granting cards depend mainly on income or outstanding customers. Like Boursorama, Fortuneo does not capitalize on high prices, but on guarantees that its customers will deposit funds on their account.

          How to create a Fortuneo account ?

          Tutorial to open your account

          Far from neo-banks, Fortuneo does not offer to create an account in less than 8 minutes. The procedure that we are going to detail to open an account takes longer, but this allows many more guarantees. With the necessary documents requested, the online bank will know you better and you will not risk seeing your closed account overnight to the least of the establishment as may be the case with some neo-banks. Open a Fortuneo account goes through three main steps: Choose the product, integrate your information, sign the contract.

          In detail, here is a tutorial to open a Fortuneo account:

          • Go to the official Fortuneo website
          • Select the product that interests you
          • Configure the product
          • Sign up your personal information
          • Send the requested supporting documents
          • Sign the contracts
          • Activate your account with the sending of the requested funds

          When registering to open a bank account, Fortuneo will ask you to choose between an individual account or a joint account, then configure the card according to your preferences. You must first choose between the three cards available and then choose between an immediate debit card or delayed flow. This last point will determine many things about the conditions of granting, remember that a delayed debit card has conditions of income or higher outstanding.

          If you want to open a savings book, then Fortuneo will ask you to configure several parameters as by choosing between an individual account or an associated joint account. On the life insurance side, you will have to go through the fortuneo questionnaire to specify your customer profile.

          Regardless of the product you want to subscribe to, our Fortuneo opinion is favorable on this point, because online banking guides you in a simple and fun way depending on the possible configuration choices. You can also follow the progress of your registration and return to the previous pages easily. It is practical to be able to select the options before having to fill your personal information to be able to make an opinion on Fortuneo without getting involved or wasting time.

          Minimum deposit

          Before you can take advantage of the opening of your Fortuneo account, whether for a current account, savings, a title or life insurance account, you will have to make a first transfer. This is your minimum deposit, your initial payment to be made by bank transfer. Fortuneo has a very simple grid for its products. Here they are.

          • Bank account: 300 euros (0 € for an Fosfo card)
          • Booklet A, LDD, Booklet +: 10 euros
          • Title account, PEA: 100 euros
          • Life insurance: 100 euros

          Welcome and sponsorship bonus

          Fortuneo offers a welcome bonus for all its new customers. It is one of the few still available to online banks. The amount of the Bienvenue Fortuneo bonus is 80 euros. Punctually, the establishment offers a more advantageous bonus at 150 euros. Several other solutions to earn money by opening a Fortuneo account are available and ask to go through the sponsorship offer.

          Sponsorship offers depend on the desired products. For bank cards, the Fosfo card offers 50 euros for the godson and 50 euros for the godfather. The premium increases to 130 euros for the godson and 110 euros for the godfather on a gold card. Fortuneo requires that the godfather has in both cases an outstanding more than 500 euros. He must also commit to keeping his account for at least a year.

          It is also possible to be sponsored for a title account, a PEA or a PEA-PME, but provided that the customer deposits 1000 euros in initial capital (or to make an account transfer). It is then 110 euros for the godfather and 130 euros for the godson. The premium is the same for life insurance, but asks for its part a first initial payment of 5000 euros minimum from the godson.

          Fortuneo Current Cards and Current Account

          Online banks have the advantage of having a rather clear and optimized offer for all customers and fortuneo is no exception. Its three bank cards offered will satisfy three different profiles. Fortuneo determines the characteristics of its payment and withdrawals ceilings as well as its additional services (mobile payment, insurance, covers and rental services Fortuneo) depending on the cards only. So to speak, the current account is the same for the three cards. Just choose between an individual account and a joint account.

          Fortuneo Bank Cards

          Comparison of cards

          Let us continue our Fortuneo opinion with the details and the comparison of bank cards.

          The 3 bank cards at Fortuneo:

          • Fosfo card
          • Mastercard Gold
          • Mastercard World Elite

          First, the Fortuneo Fosfo card is an international free card (payments and withdrawals) without income conditions or outstanding. The second is a Mastercard Gold card available with immediate or delayed debit, with all the insurance and covers associated in particular while traveling with paids of payments and high withdrawals. The third is a Mastercard World Elite card, in other words a black card, the most premium bank card that exists with all available insurance and a concierge service available 24 hours a day.

          All cards are accessible by individual account or joint account. All also offer free payments and withdrawals abroad within the limit of the ceilings offered on each. Compared to the banking cards of neo-banks or bank Bankrama for example, the Gold and World Elite cards take up the original drawing and all the additional associated services. For example, the World Elite card offers privileged offers and exceptional services. It is also possible to switch to exceptionally high payment ceilings or withdrawn if necessary.

          Card ceiling

          To find out which Fortuneo bank card to choose, it is notably necessary to reason according to the ceilings of payments and withdrawals. In online banking, they are limited in terms of number and amounts. According to one or the other of the criteria, your card will charge you with the costs in the event of exceeding. here is the detail.

          Withdrawal ceiling:

          • Fosfo card: 500 euros per day and per week
          • Mastercard Gold card: 900 euros per day, 1000 euros per week, 7 withdrawals per day and 10 per week
          • Mastercard World World Elite: 900 euros per day, 1,600 euros per week, 10 withdrawals per day and 49 withdrawals per week

          Payment ceiling:

          • Fosfo card: 2000 euros per day and per week
          • Mastercard Gold card: 2000 euros per day and per week, 20 payments per day and 30 withdrawals per month
          • MasterCard World Elite: 3000 euros per day and per week, 30 payments per day and per week

          It is however possible to modify your payments and withdrawals by simple request from the application or the Fortuneo site. It is necessary to be able to justify a seniority of 6 months with the bank that said. The response from Fortuneo is automatic and instantaneous specifies the bank. The demand may be for a limited time or not. Go to the “Current account” section, then “bank card” and finally “ceilings”.

          Overdraft

          Discover authorization is available at Fortuneo. If from one month to the other your expenses suddenly increase or that you have a delay to feed your account, it can happen to find yourself uncovered and Fortuneo gives you the opportunity to avoid finding you to pay agios (interest debtors) in case of overdraft. The policy is simple: you can make a request to get a Discovered authorized fortuneo of 200 euros. At Fortuneo, it is not possible to apply for an overview before justifying a 6 -month seniority.

          Use of cards abroad

          Adjust the useful to the pleasant, for a bank, also requires the use of cards abroad. Fortuneo has a solid offer, because all customers can make payments or withdrawals in euros or in other currencies at no cost. In competition, this generally goes through payments only and withdrawals are capped at a limited number or even these are all invoiced. The question does not arise at Fortuneo and that makes its cards a great advantage if you are led to travel.

          Fortuneo abroad:

          • Free payments in euros and currencies
          • Free withdrawals in euros and currencies

          “It is real tranquility when traveling to other continents (United States, Canada, Japan, India, Morocco, etc.) or even in Europe outside the euro zone as in Switzerland or in the United Kingdom ”, explains the bank on its site, rightly. These costs can be a real haunt. With free payments and withdrawals abroad Fortuneo, you will not need to change the currency in a foreign exchange office, enough to save several tens or even hundreds of euros also.

          An important point to note for currency expenses abroad is that Fortuneo will not have you escaped by the costs of distributor establishments of distributors. This is valid for all banks, you must distinguish the costs that the owner of the DAB can potentially charge you with the costs of your bank.

          Fortuneo American Express

          Let’s finish with another fortuneo advantage abroad by talking about the agreement between the online banking and American Express. The entire range, the Blue Card, the Green card, the Gold card or the Platinum card are available. They will allow you to benefit from the advantages of the associated programs, such as cashback, which is not available in the Mastercard de Fortuneo range. All cards are free with the exception of the Platinum card which costs 55 euros per month.

          Fortuneo cards covers and insurance

          Online bank Fortuneo is based on the insurer Suravenir, a subsidiary of Crédit Mutuel Arkéa, To provide blankets and insurance on its three different cards. These are insurance on payment means, but also other insurance guarantees (travel accidents, snow and mountain, cancellation of tickets, flights or rental car and civil liability abroad) and assistance (medical assistance and repatriation, legal assistance abroad, coverage in the event of hospitalization abroad). The entire detail is available from the customer area according to the card you have chosen.

          For reimbursements for medical expenses and hospitalization abroad, the Fosfo card offers a maximum reimbursement of 11,000 euros when the Mastercard Gold and World Elite cards rise to 155,000 euros. Same thing for costs of costs. All cards offer early return insurance in the event of hospitalization or death by taking charge. Legal assistance abroad is converted into a treatment of 800 euros on the Fosfo card, 3,150 euros on the Mastercard Gold card and up to 8,000 euros on the Mastercard World Elite card. All the cards provide the same insurance in the event of a ski accident with coverage up to 5,000 euros per event and 10,000 euros in total per year.

          For car rentals with theft or damage, only Gold and World Elite Mastercard de Fortuneo cards can be useful to you. The Gold card allows online bank support up to 50,000 euros within the limit of two claims per year. The World Elite Mastercard card doubles the ceiling at 100,000 euros within the same limit of claims.

          For trips and air ticket reservations, Mastercard Gold and World Elite cards allow you to cover yourself in the event of delay, failure of correspondence, but also problem with luggage. For plane delays (more than 4 hours) and train (more than 2 hours), reimbursements are 400 euros on Gold Fortuneo card and 900 euros on World Elite Fortuneo card. The amount of coverage is the same for luggage delays of more than 4 hours for the treatment of basic costs. Note that only the World Elite card offers coverage for stolen luggage in hotels or rental car: up to 1,900 euros per claim and 600 euros per object of value.

          To remember: the Gold and World Elite cards are much more advantageous for all the covers related to the trip, for your tickets as for your luggage, and the rental cars. They are also available with covers for medical costs and legal assistance much higher than the Fosfo card or the old Basic Fortuneo Mastercard card (now withdrawn from the online bank offer).

          Granting conditions and prices of cards

          Fortuneo does not charge a monthly or annual subscription, but however has conditions for granting its bank cards. The bank is based only on the criterion of net monthly income for new customers. Customers already at Fortuneo can obtain a card by justifying a certain minimum savings balance. These conditions must be justified at the time of subscription to Fortuneo. Below, we detail the conditions for granting Fortuneo cards:

          Fortuneo Payment Card

          • Fortuneo Fosfo card: without income conditions or outstanding
          • Fortuneo Mastercard Gold card: 1800 euros in monthly net income or 10,000 euros in savings for former customers
          • Fortuneo Mastercard World Elite card: 4000 euros in monthly net income

          Fortuneo mobile payment

          All Fortuneo cards are debit cards with the possibility of paying in contactless according to the maximum ceiling in force in the country. Otherwise, you can also use your smartphone to be able to pay in contactless without having to depend on the ceiling. Security is to focus on this payment method, unlike without contact with the card which shows no barrier in the event of fraud or theft.

          At Fortuneo, all cards can be added on Apple Pay or Google Pay, for iPhone or Android. Fortuneo also provides its cards on Samsung Pay and the Bank and compatible with Paylib, the payment service with friends for simple transfers with telephone numbers.

          Compatibility of Fortuneo cards:

          • Apple Pay
          • Google Pay
          • Samsung Pay

          Manage your account: What does Fortuneo offer ?

          For an online bank, Fortuneo customers must go through the site or the Fortuneo application in order to control their account, manage their card and their various banking products. It is also via the application and the site that customers will go if necessary to contact Fortuneo customer service. While the establishment offers ? Let us now approach in this Fortuneo opinion our impressions on the user experience.

          Our opinion on the application

          Let’s start with the mobile application, the one that customers will use the most to manage their account and their Fortuneo card. It is naturally available on iPhone as on Android devices and brings together both online bank customers like customers of the brokerage platform to invest in the stock market. The application is called “Fortuneo, Banque & Bourse” and has 4.5 stars out of 5 (44,600 reviews) on iOS and 3.9 out of 5 stars (19,400 reviews) on Android. It is one of the banks to still have work to do to claim a fluid and easy application, but has the advantage of having many features – sometimes unavailable in competition such as free instant transfer.

          Fortuneo Bank Application

          It has thus become very easy and quick to use the Fortuneo application to view and manage your accounts, both a current account and savings booklets or a share portfolio for the investment party. It can also control the card and thus control access to contactless or modify the ceilings. The application also acts as an aggregator and customers can therefore integrate their other bank accounts to view their balance in the blink of an eye. As we said above, the application is also linked to the French service Paylib to make payments with friends simply and be able to help out or reimburse a loved one.

          The application is also optimal for making payments online. Indeed, Fortuneo has added a virtual bank card functionality to avoid entering the contact details of its physical bank card on a website, at the risk of being hacked and having to change the bank card. A virtual card can be deleted and regenerated, which avoids being without means of payment. In the past, these features were not frequent among online banks and are among the highlights on the customer experience according to our Fortuneo opinion.

          Fortuneo Virtual Card

          Instant transfer and account food: Thank you Fortuneo !

          Yes, unlike other banks that do not offer it or invoice it, Fortuneo offers its customers to make Free instant transfers. Unlike conventional operations that take several days, the instant transfer makes it possible to transfer funds to another account without having to wait a minute. Ideal to reimburse someone or adjust a purchase on time. In many online banks and traditional banks, instant transfer is a paid functionality. Many invoice 1 euro per operation, which makes functionality one of the most expensive in the banking environment. Fortuneo is honest and it’s an excellent point, an excellent surprise that participates in our favorable opinion Fortuneo.

          See the functionality as an excellent point also to supply an account. If you need to feed another Fortuneo account or another bank account, you can do so instantly with Fortuneo. Online bank account can be powered by bank transfer, but also by credit card. Again, this is an excellent point. Fortuneo offers that its customers use their card with another bank to send funds to their account. As a traditional payment, there is no need to wait to receive your funds. The whole thing is free at the Fortuneo online bank which is not the case in certain neo-banks like N26. Functionality is unavailable at Boursorama Banque.

          Customer service

          To contact Fortuneo customer service, two solutions: first, go by email, directly from the website or the mobile application, the bank refers to a contact form. If you don’t feel comfortable with a written message to explain your situation, you can also go through the assistance phone number. Fortuneo, from its site, offers an access route, which leaves the possibility of specifying its request before calling. If you are sure that your situation cannot be set by simple reading of the Bank’s Questions Frequently Questions, then you can click on “Continue your call” directly to access customer service by phone Fortuneo.

          To simplify your task, you can also Direct the Fortuneo customer service number directly: 02 98 00 29 00. It is indeed the one that will be made up if you go through the site form.

          Your request is urgent ? You have had a problem on a car rental or you want to oppose your card by phone ? The bank has special numbers. The number for oppositions in the event of theft of your payment methods is available 24 hours a day.

          SOS Number Opposition: 02 98 28 42 28

          Number in the event of a breakdown or car accident: 01 41 85 80 04

          Savings product: Fortuneo booklets

          To be a full online bank, Fortuneo offers savings booklets. We also count life insurance of course, but let’s start by listing and we look at the various booklets offered by Fortuneo both the establishment offers something other than a booklet A or a PEL (Housing Savings Plan). You can obviously combine several savings booklets and here is the list of those offered by the Fortuneo online bank as well as their rates and conditions.

          • Livret A: currently 2 % (3 % from February 1, 2023)
          • LDDS booklet: 2 %, up to 12,000 euros (not taxed)
          • Booklet +: 0.5 % (promotional offer: 3 % for 4 months and up to 100,000 euros)
          • Booklet + Child: 1 % (for children under 18 and up to 10,000 euros)

          Note that the promotional offer for the Booklet + of Fortuneo extends from January 16 to March 15, 2023. It is therefore necessary to open a booklet during this period to be able to benefit from its advantages, after which it will no longer be possible.

          Fortuneo life insurance

          Now let’s talk about life insurance at Fortuneo. This savings tool places your money in investments and allows both to make its capital grow with much higher rates of return, prepare your retirement or be able to transmit your assets in the event of death. In addition to its flexibility, life insurance is also a good investment product to limit risks by delegating its management to professionals in the organization with whom you have signed your contract. 8 years after subscription, it is also possible to obtain a reduced taxation for a buyout of the capital.

          To open a Fortuneo life life insurance contract (operated by Suravenir, a subsidiary of the parent company), a must initial payment of minimum 100 euros (for a contract with free management) or 1000 euros (for a contract with mandate management). Fortuneo offers up to 200 investment media including funds, funded funds, real estate supports, trackers or ETF. In the list you can find two funds in euros with guaranteed capital.

          Mandate management offers three different formulas varying both rates of return and associated risks.

          • Moderate formula: which favors safety
          • Balanced formula: for a little more performance while limiting the risks
          • Dynamic formula: to have the best yields (more at risk)

          Note that the moderate investment takes advice from Federal Finance Gestion, balanced placement with DNCA Finance and dynamic placement with Allianz Global Investors.

          Credit at Fortuneo

          Mortgage

          To be able to embark on a real estate project, the online bank Fortuneo offers a fixed rate loan and constant maturity, for amounts of 80,000 euros to 2,000,000 euros. The duration of the Fortuneo mortgage varies between 7 and 25 years for a second or main residence and from 7 to 20 years for a rental investment. An important condition: the project must take place in mainland France.

          • Amount: from 80,000 euros to 2,000,000 euros
          • Duration: 7 to 25 years (20 years for rental investment)
          • Location: Metropolitan France
          • Contribution: minimum 10 % (excluding costs) except for rental investment or credit buyout

          Consumer credit

          Credit Conso Fortuneo has been available for a few years thanks to a partnership between online banking and the specialized fintech Younited Credit. With her, Fortuneo can offer estimates and analyzes of the profile of customers in no time not to waste time. Everything is done online and the personal loans offered are between 1,000 and 50,000 euros.

          • Amount: from 1,000 to 50,000 euros
          • Duration: 6 to 84 months (7 years)
          • Rate: fixed rate
          • Refund: by direct debit
          • Subscription: from the customer area (then redirection at Younited Credit)

          Conclusion: Our Fortuneo opinion

          Online bank with strong ambitions for 2023, Fortuneo is close to announce the obtaining of 900,000 customers and its wide offer of banking products gives it the shoulders to be able to cope with competition. To stand out, the establishment capitalizes on three particularly qualitative cards in France and internationally, with full insurance baggage and high ceilings. Few banks offer Gold and World Elite cards, especially among online banks. Our Fortuneo opinion is all the more favorable, especially since the bank agrees with an application up.

          Online bank also competes in terms of price. Already, all Fortuneo bank cards are free. Also, some paid services elsewhere are free here. It is possible to make free instant transfers, but also to recharge your account by bank card without additional costs are added. Note also that it is possible to open a series of savings booklets or obtain credit. The authorized overdraft of 200 euros also allows you to keep the mind serene and not be penalized in the event of a sudden increase in expense or delay to feed your account when you find yourself in their open. Withdrawals like free payments abroad are a boon to be able to travel without having to pay exchange fees.

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