CB International visa with systematic authorization

CB Gold Mastercard

✔️ Welcome offer: 100 €

✔️ Welcome offer: up to € 160 offered

• Immediate flow: none
• Delayed debit on request: € 1,500 net of monthly income (without a domiciliation of income)

€ 1,800/month (net income)

Up to € 20,000/ 30 days

Up to € 2,000/ per week

€ 1,000/ per week

✔️ Insurance and Visa Premier assistance guarantee

✔️ GOLD MASTERCARD insurance and assistance guarantee

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

• Unlimited and free ephemeral virtual cards
• Significant payment and withdrawal ceilings
• Premium insurance and assistance (expanses to payments by separate transfers)
• All operations abroad are free
• Promotional offers (welcome bonus, sponsorship)

• 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

• Card under income conditions
• No immediate balance of the balance
• Discovered authorized under seniority conditions
• Validation by SMS for a RIB request
• Minimum deposit: 300 €

Updated data August 2023

Premium cards assessment Boursorama or Fortuneo ? These two free international cards Do not have the same access conditions: if the Boursorama Ultim card is accessible without income conditions, it is not the same for the Gold Mastercard Fortuneo card, € 1,800 net income is necessary to benefit from the service Fortuneo premium.
Boursorama wins a frank cooky on its competitor Fortuneo. We particularly appreciate the very flexible access conditions with a Premium card without income conditions, and minimal conditions of use (1 transaction only per month to maintain free Boursorama Ultim).
Fortuneo has more restrictive access conditions. Another positive point to underline on the premium offer of the bank for all: the withdrawal and payment ceilings are more advantageous.

High -end Metal or World Infinite cards

Boursorama and Fortuneo offer Two Ultra high -end Metal cards at € 9.90/month and the free card World Elite Mastercard – whose services and prices are likely to the black cards of traditional banks.

These two bank cards offer very comfortable conditions of use with very important payment/withdrawals as well as exclusive banking services (partner offers and the concierge service).

METAL BOXORAMA BUTHER
€ 9.90 per month

Fortuneo Elite
0 € per month

CB Visa Metal with systematic authorization

Mastercard bank card with systematic authorization

✔️ Immediate debit: none
✔️ Delayed debit on request: € 2,500 net of monthly income

From € 4,000/month (net income)
Free conditions: monthly payment of € 4,000

Up to € 50,000/ 30 days

€ 3,000/ per week

Up to € 3,000/ per week

€ 1,600/ per week

✔️ Insurance and Visa Premier assistance guarantee

✔️ WORLDELITE MASTERCARD insurance and assistance guarantee

Updated data August 2023

Assessment of Boursorama VS Fortuneo Privileges Cards: Boursorama 1st point to put the bank for all, Boursorama remains accessible – as its name suggests – to all individuals. Also, its offer of Metal card although paying (€ 9.90/month) is without income conditions, while free fortuneo is under tense on restrictive access conditions.
Online bank chooses to Book your World Elite Mastercard card for easy customers With a minimum of € 4,000 in net income per month.
Another positive point of the Metal Boursorama offer, free on the majority of current banking operations and much more advantageous card ceilings than the high -end offer of Fortuneo.

�� Fortuneo vs Boursorama: what is the best bank account ?

THE Boursorama or Fortuneo account offers are accompanied by a panoply of banking services, an app to manage your budget at any time as well as customer service. But which of these two online banks offer the best bank account ?

The comparison of banking costs and services

To choose the bank account most suited to its budget, it is recommended to compare the tariffs and associated services of each of the two banks. Here is a summary of banking costs:

Updated data August 2023

Boursorama VS Fortuneo assessment: ex aequo Best bank account ? First observation, Fortuneo and Boursorama align with their prices and offer a few exceptions to the Free on almost all of their banking services. Each of them is also one of the best free online banks present on the market.
In addition to his 4 free bank cards (although under conditions of use and income), Fortuneo also draws well with certain banking services absent from Boursorama such as the Fortuneo virtual card.

Which has the best mobile application ?

A banking mobile application is today sine qua non To determine the quality offered by a bank account. A good banking application is multi-service and must offer a range of online services to facilitate customer account management.

�� Learn more

�� Learn more

Google Play note: ⭐ 4.3/5
Apple Store note: ⭐ 4.9/5

Google Play note: ⭐ 3.9/5
Apple Store note: ⭐ 4.5/5

�� Budget management

❌ Immediate update of the sole
✔️ RIB download
✔️ Consultation of the card code
✔️ Personalization of the card code
✔️ Categorization of expenses
❌ Sub-accounts
✔️ Expenses statistics
❌ Pockets
✔️ Digital safe
❌ Virtual card
✔️ Modification of ceilings

�� Design and ergonomics

✔️ Elegant design
✔️ Loading speed
✔️ Accessibility of main features
✔️ Easy to hand

✔️ Touch ID
✔️ Face ID
✔️ 3D Secure
✔️ Opposition Bank Card
✔️ Blocking/Unlocking of the card
❌ Secure messaging
✔️ Telephone line
❌ Chatbot (virtual assistant)
❌ Online cat

�� Budget management

❌ Immediate update of the sole
✔️ RIB download
✔️ Consultation of the card code
❌ Personalization of the card code
✔️ Categorization of expenses
❌ Sub-accounts
❌ Expenditure statistics
❌ Pockets
❌ Digital safe
✔️ Virtual card
✔️ Modification of ceilings

�� Design and ergonomics

✔️ Elegant design
✔️ Loading speed
✔️ Accessibility of main features
✔️ Easy to hand

✔️ Touch ID
❌ Face ID
✔️ 3D Secure
✔️ Opposition Bank Card
✔️ Blocking/Unlocking of the card
❌ Secure messaging
✔️ Telephone line
❌ Chatbot (virtual assistant)
❌ Online cat

✔️ Simple design and ergonomic app
✔️ Free virtual card
✔️ Account aggregator

• No immediate balance of the balance
• No instant messaging from the application
• No temporary blocking of payments abroad
• No temporary blockage of online payments

• An app for watchful design
• No immediate balance of the balance
• No SMS transfer service
• Impossible subscription to other products from the app

Updated data August 2023

What is the app between Boursorama vs Fortuneo ? In the customer reviews, blinds are a reliable barometer: Boursorama has a slight advantage on fortuneo with 4.8/5 on the two stores Apple Play and Google Play. The Boursorama app is the one that offers the best customer experience.

What is the best customer service ?

Customer service is the window of any bank, it must be available and responsive for any request. OUR Fortuneo vs Boursorama comparison relates to the hourly amplitude, as well as the different means of contact available:

�� Learn more

�� Learn more

�� Fortuneo vs Boursorama opinion: what a bank is the most popular ?

Before any bank account opening, it is wise to Consult customer reviews. Then, which of Fortuneo or Boursorama wins all the votes with their respective customers ?

Customers highlight in their fortuneo opinions several positive aspects encountered on a daily basis in their account management:

Many services, low costs compared to a physical bank, responsiveness of advisers, app and website with a lot of features, top security with email or notif as soon as an event occurs. The best bank tested ! I recommend you. 03/31/2022

The account opening is simple. The deadlines are short. The application allows many operations, I have rarely have bugs but without consequences. The contact is fast.03/20/2022

Some negative opinions on Fortuneo are also postponed, in particular on the bugs encountered on the mobile application or the difficulty in reaching an advisor:

Worse online bank that I have tested so far. Card blocked for no reason, update of the erroneous account, it is impossible to reach an advisor or to have an answer to our questions. I regularly advise people around me to avoid this bank.03/22/2022

On the other hand, stock market opinions are less positive with a score of 1.6/5 on truspilot Out of 1586 voters:

Among the Postité Boursorama points, some customers highlight the overall quality of the Bank’s services for all:

Customer at home since 2020. I am more than satisfied with this bank. I can do everything myself. The only problem is customer service that sometimes takes time to answer. But other than that, at the top !

Others carry a few negative points, to the difficulty in reaching the Boursorama customer service:

Excellent bank. When you don’t need them. Everything is done in the vocal script so as not to have them on the phone, waiting for the order of the quarter of an hour. »» 03/29/2022

Boursorama customer service is good except when you have a problem. It is then impossible to interact with customer service and in particular to send an email. Their contact service is, through choice, a funnel that does not send you to customer service but with their online help. that you have already consulted without finding an answer. Hence the need to contact someone. It’s a shame, it makes classic banks regret that at least respond to their customers. 03/22/2022

�� Fortuneo or Boursorama Life insurance: which is the most efficient ?

The two online banks are positioned on the life insurance market. This type of savings contract is on the rise to savers of all stripes (beginner or experienced investor). The reasons are simple: this type of placement makes it possible to make its savings grow while benefiting from tax advantages (succession of life insurance).

Between Boursorama and Fortuneo, which life insurance contract to choose to save in a winning manner ?

On the form, the two contracts are similar: these are multi -support contracts offering two main modes of management (free management and mandate management).

• THE management fees are very reduced as well as mandate management carried out by a brokerage professional;
• THE Two contracts are acclaimed by the professional press. The monthly “income” devotes Boursorama Life andFortuneo Life among the best life insurance contracts on the Internet in 2023.

The main differences hold yields of their financial supports, either the assets on which will invest savers. The funds in euros offered are different as well as their rate of return. On the other hand, the contract holder can adjust his portfolio of assets from a more or less extensive panel of account units (UC).

• Boursorama Life offers two funds in euros whose performance in 2021 is to +1.35% For “exclusive Euro”. Note that rates of return in controlled management can reach +26.5% yield (within 3 years) depending on the profile chosen;
• Fortuneo Life also has two funds in euros whose performance in 2021 is to +1.3% and +1.8% in 2021. Mandate management allows access to very beautiful rates of return as +21.9% (within 3 years) depending on the profile chosen.

Note that it is necessary to be already Customer of a Boursorama bank account To subscribe to his life insurance contract

✍️ I subscribe to Fortuneo life insurance

�� Stock Exchange and PEA: Place your funds with Fortuneo or Boursorama ?

Boursorama and Fortuneo Stock Exchange offer various stock market investment products (securities, PEA and PEA-PME) on which place their personal funds.

The individual thus has the opportunity to invest in the stock market via Different investor profiles at very attractive prices (compared to traditional brokerage companies). Boursorama and Fortuneo practice Free on current brokerage costs (right of custody and account holding) and competitive prices on orders:

✍️ I open a Boursorama title account

Fortuneo and Boursorama Stock Exchange, similar in form, the two scholarships of the two online banks are distinguished on their brokerage. Again, it is recommended to perform several simulations depending on your Investor profile. Note that prices are generally decreasing for experienced profiles regardless of online bank, Boursorama or Fortuneo Bourse.

�� Assessment: the advantages and disadvantages at Fortuneo or Boursorama

Boursorama Banque and Fortuneo are among the most popular online banks in France. Match Boursorama vs Fortuneo, which wins the palm of the best online bank ?

�� What is the most popular bank between Boursorama Banque and Fortuneo Banque ? In March 2023, Boursorama had more than 4.9 million users for only 1.05 million users for Fortuneo

Boursorama Bank review: the advantages and disadvantages

• Bank account without income conditions
• Diversified financial products (savings, credit, life insurance, scholarship)
• Effective mobile application with beautiful scores on blinds (4.8/5)
• Frequent stock market sponsorship premium throughout the year

• Slow customer service to respond to customer problems
• Free bank card under conditions of use
• Lack of virtual card

Fortuneo Opinion: Summary of positive and negative points

• Free bank cards all ranges
• Diversified financial products (savings, credit, life insurance, scholarship)
• Free withdrawals and payments abroad all bank cards
• Frequent fortuneo sponsorship bonus throughout the year

• Recurring bugs on the mobile application
• Demanding access conditions on the bank account (income conditions)
• Lack of professional account

�� Good deals ��
Banking promotions

Up to 160 €
See the offer

Until 100 € offered See the offer

160 € offered See the offer

The most read finance guides

1. Change bank: procedures, user manual and deadline
2. Free bank card: Find the best offers !
3. Black Card: What conditions to obtain a black card ?

Fortuneo or Boursorama: what is the best ?

Who of Fortuneo or Boursorama currently offers the best online banking offer ? To answer it, we made a Fortuneo vs Boursorama comparison on all of their services. Read our Boursorama vs Fortuneo comparison file to find out the result and our opinion to find out who is the best !

�� What is the best bank between Fortuneo and Boursorama Banque ?

Boursorama vs Fortuneo comparison:
the best ?

Fortuneo

Purse

Between Fortuneo and Boursorama, The best bank is Boursorama Banque. Even if the 2 offers have similarities: a standard current account with no account holding, without intervention commissions, without costs of withdrawal / payment in Euro, our opinion is that Boursorama is better than Fortuneo, but that this superiority is Relative because Fortuneo has more attractive arguments on certain points than Balance Banque.

Boursorama Banque is generally better than Fortuneo on the following aspects ::

• mobile app
• more important welcome offer
• Accounts accessibility
• pricing

�� Fortuneo vs Boursorama comparison: the match in detail to choose the right

In this Fortuneo vs Boursorama comparison, we have chosen to compare several aspects of the two banking offers: the supply of bank card, the offer without income conditions, the welcome offer, customer service and the mobile application. The idea is to determine what is the best online bank between Fortuneo and Boursorama, and to give you the keys to help you choose beyond our analysis.

�� Fortuneo or Boursorama comparison: bank cards

Comparison Fortuneo vs Boursorama bank cards

Fortuneo

Purse

For bank cards, Fortuneo is better than Boursorama Banque. It stands out in particular in the ultra-competitive universe of bank cards by offering a larger range, covering the entry-level as well as the (very) high-end: in all, 7 cards are available in the catalog , which can be associated with the standard current account at no cost.

At Fortuneo or Boursorama, each of the cards is available free of charge, including the American Express of Fortuneo cards, provided you comply with the conditions of income or outstanding savings.

At Fortuneo as at Boursorama, the supply of bank cards can be broken down into three categories : standard, premium and high -end. The principle is simple: the higher a card, the more comfortable the payment / withdrawal ceilings, the more extensive the insurance included (and advantageous compensation) and the more the minimum resources requested are significant.

Chez Fortuneo Banque:

• Standard: Mastercard CB
• Premium: Fosfo Mastercard, American Express Green
• High end: Gold CB Mastercard, Mastercard CB World Elite, American Express Gold, American Express Platinum

At Boursorama Banque:

• Standard: Visa Welcom
• Premium: Ultim visa
• High end: Visa Ultim Metal

Here is a comparison between fortuneo and Boursorama on the important issue of prices.

�� Fortuneo comparison or Boursorama: prices

Comparison Fortuneo vs Boursorama prices

Fortuneo

Purse

Regarding our opinion on this Fortuneo or Boursorama Banque comparison, we could say that The two banks are almost equal, There is no better bank on this aspect. Note, however, that Boursorama displays slightly lower prices than those of fortuneo On certain specific services: SMS alerts, overdraft cost, customer service cost.

Not having to finance the costs linked to the existence of physical agencies, online banks are distinguished by their much lower prices. On this aspect, Fortuneo and Boursorama have been giving themselves up a Mano a mano For the cheapest bank location in the list of specialized press, professional banking observatories, financial magazines and independent online comparators.

We compared the prices of the two online banks on six aspects : current operations, standard and premium bank cards (we have excluded high -end cards), withdrawals and payments, checks, payment incidents and the cost of customer service.

Here is now a comparison between Fortuneo and Boursorama on their offers without income conditions.

�� Fortuneo or Boursorama comparison: offer without income condition

FOSFO comparison of Fortuneo and Ultim de Boursorama

Fosfo

Ultim

Free if 1 operation per month or € 3 per month

Free if 1 operation per month or € 15 per month

€ 500 over 7 slippery days

300 € on 7 slippery days

2000 € on 7 slippery days

€ 1,500 over 30 days

Our Fortuneo or Boursorama Bank opinion on their offer without income conditions is that The Ultim Boursorama card has more interesting characteristics than the Fosfo de Fortuneo card. Despite the fact that it is more accessible than the Ultim card, the Fosfo card remains an entry -level bank card. The Ultim card, which is a premium card, presents guarantees of more advantageous insurance and assistance internationally and daily.

Launched a few months apart in 2019, the Fosfo and Ultim offers are two offers of bank cards without conditions of income or savings: this means on the one hand that no domiciliation of your income (your salary, for example) is asked for the subscription, on the other hand that any Minimal monthly income or savings investment (booklet, life insurance, for example) is to be justified to be eligible for the offer.

As our table indicates, minor differences exist between the two offers:

• Card type : The Fosfo bank card is an entry -level visa card, while the Ultim card is a premium MasterCard card, both being systematic authorization
• Rate : the 2 cards are granted free of charge and are free for life, provided that they are used to carry out a minimum number of payment operations per month
• Initial payment : The 1st deposit to activate the associated current account and obtain the card code is less at Fortuneo, and all the lower if compared to the weekly payment ceiling (€ 2000 per week)
• Internationally : the fees of withdrawal in foreign currencies have been deleted on the 2 cards, withdrawal commissions which generally amount to 2% of the amount withdrawn; Please note, other fixed costs are nevertheless present when you withdraw money in a foreign country (exchange margin visa / mastercard + possible local fixed costs)
• Punctual overtaking : one default by € 100 is authorized on the Ultim card from its 1st use, which is not the case on the Fosfo card

Here is a comparison between fortuneo and Boursorama on the issue of online banks’ welcome offer.

�� Fortuneo or Boursorama comparison: the welcome offer

Comparison Welcome Fortuneo vs Boursorama

Fortuneo

Purse

80 € or 30 € offered

Our opinion in this Boursorama vs Fortuneo match for The welcome offer is that Boursorama is more interesting, Due to the fact that it offers the offer all year round without discontinuous and compatible with Welcome and Ultim and that it pays its bonus faster than Fortuneo (48h vs 3 months max).

At Fortuneo, the welcome bonus is € 80 For any new subscription and € 30 with the Fosfo offer. This is credited in once after 3 months. Here are the conditions:

• Being a new customer: it must be your first account opened at Fortuneo
• Make a simultaneous/concomitant bank card request
• Complete your file no later than 7 days after activating your account
• Make a first payment no later than 5 days after being notified of the account pre-opening
• Perform at least 5 card operations (excluding withdrawal) in the first 3 months
• Do not benefit from another Fortuneo promotional plan
• Leave your account open at least 12 months

At Boursorama, the welcome bonus is € 80 For any new Ultim or Welcome account opening, with simultaneous request for a bank card (Ultim, Welcome) it is credited at once after you have made your first payment on the account. Here are the conditions to benefit from it:

• Being a new customer: it must be your first account opened at Boursorama
• Make a simultaneous/concomitant bank card request
• Complete your file no later than 2 months after activating your account
• Make a first payment no later than 5 days after being notified of the account pre-opening
• Do not benefit from another Boursorama promotional plan
• Leave your account open at least 12 months

Here is a comparison between Fortuneo and Boursorama on the important issue of customer service.

�� Fortuneo or Boursorama comparison: customer service

Customer Comparison Fortuneo VS Boursorama Banque

Fortuneo

Purse

Week :
9 a.m. to 8 p.m
SATURDAY :
9 a.m. to 6 p.m

Week :
8 a.m. to 10 p.m
SATURDAY :
8 a.m. to 4 p.m

Our comparative opinion between Boursorama and Fortuneo on customer service plays in favor of Fortuneo. Although the amplitude of Boursorama is better on weekdays than Fortuneo but less good on weekends, responses are faster at Fortuneo. It should be noted that the quality of the interlocutors, following the various tests we have carried out is identical from one online bank to another.

Here are the characteristics of Fortuneo Banque Customer Service ::

• Communication channels: telephone, email, mail, social networks
• Weekly availability schedules: 9 a.m. to 8 p.m
• Weekend availability hours: 9:00 a.m. to 6:00 p.m. Saturday
• Cost of a call for customer service: cost of a local call for customers (not surcharged), cost of a local call for non-clients
• Location of telecatooners: France
• Possibility of having a regular television: no

As for the Customer Service of Boursorama Banque, here are the elements announced ::

• Communication channels: telephone, online chat, social networks
• Weekly availability schedules: 9 a.m. to 8 p.m
• Weekend availability hours: 8:45 a.m. to 4:30 p.m. on Saturday
• Cost of a call for customer service: free for customers, free for non-clients
• Location of telecatooners: France
• Possibility of having a regular television: no

Here is a comparison between Fortuneo and Boursorama on the mobile app.

�� Boursorama or Fortuneo: the mobile app

Comparison Mobile App Fortuneo vs Boursorama

Fortuneo

Purse

Fortuneo or Boursorama, to which belongs the best banking application ? In our opinion, The Boursorama application is better than that of Fortuneo If we base ourselves on user reviews. The features are also greater at Boursorama than at Fortuneo, even if the match is tight on this aspect.

We also looked at the opinions collected on blinds concerning Mobile Applications Fortuneo and Boursorama.

For Fortuneo Banque, the application is available for free on the two Google Play download platforms and App Store:

• On Google Play, The Android application Fortuneo, my Bank & Bourse accounts Online has collected 7675 reviews, for more than 100,000 downloads: the average note obtained being 4.3 out of 5, with a majority of 5/5 assessments
• On the App Store, the application Fortuneo – Bank & Stock Exchange is classified 83rd most downloaded application in the finance category. Out of more than 23,700 reviews, the average note is 4.4 out of 5, the majority of assessments being 5/5

As for the application of Boursorama Banque, the free application to control accounts, savings, placements and credits is also available on both platforms:

• On Google Play, the application Balance Bank has collected 15,490 reviews, for more than 1,000,000 downloads ! The average note: 4.2/5 with a majority of 5/5 notes
• On the App Store, The Boursorama Banque application is ranked 11th most downloaded application in the finance category. On more than 51,200 reviews, the average note is 4.7 out of 5, still with a majority of 5/5 ratings

After comparing the two online banks on their most significant aspects, it is time that we gave a conclusion to our comparison to issue you an opinion in order to choose between Fortuneo Banque and Boursorama Banque.

Fortuneo or Boursorama Opinion: which to choose ?

Our opinion is that Boursorama Banque generally offers a better banking offer than Fortuneo, Even if it is difficult in absolute terms to designate the best of the two banks. We rather think that there is a banking offer (account, card, placement) better suited than others in each profile, that is to say at each set of needs. If for example you are looking for the cheapest current account, the two current accounts display similar prices, with however an advantage for the Boursorama account on certain marginal points (SMS alerts, authorized overdraft cost).

If you want to open an account when you don’t have fixed income, Fosfo, Ultim and Welcome current account offers are your best options because they do not require domiciliation of income or minimum income justification.

If you are looking for the best bank card for trips abroad, Fosfo and Ultim bank cards are both free of charge on withdrawals in foreign currencies: no fixed costs for each withdrawal, no 2% commission on the amounts withdrawn. With however, more extensive visa guarantees for the Ultim card. 3 free withdrawals are included per month with Visa Ultim, beyond, the commission is 1.69%.

If you are looking for a daily bank card with the most comfortable operations ceilings while being free, The Fosfo de Fortuneo card is one of the most interesting choices due to a default payment ceiling of € 2,000 weekly (withdrawal: € 500 weekly).

If you wish to open an online account while having the possibility of subscribing to a punctual credit or even a consumer credit, The Boursorama account is an indicated choice, thanks to the credit solutions that Boursorama Banque offers: Revolving credit, consumer credit (which is not offered by Fortuneo Banque).

We cannot advise you too much, Therefore, to consult our files devoted to each offer (Welcome, Fosfo, Ultim, etc.) in order to give you an opinion between Fortuneo or Boursorama and to know what is the best depending on your profile and your needs.

Our additional resources:

• Hello Bank or Boursorama
• Bforbank or Boursorama
• ING or Boursorama

A suggestion or a remark on our Fortuneo or Boursorama file ? Put us a little comment, we will be happy to answer you or bounce back on your remarks. ��