Free bank card: where to find the best

Like Orange Bank, Bforbank also markets free Visa bank cards. The online bank’s offer consists of two cards: the Visa Classic and the first visa. They are subject to entry and use conditions. To obtain a free visa classic card, you must open an individual account and justify net income of 1,200 euros per month (2,000 euros per month for a joint account)).

Free bank cards: [Complete guide]

The cost of a bank card is on average 40 to 120 euros per year. It is now possible to have one for free through certain online or neobank banks.

Free bank card, where to obtain it ?

It is very easy toGet a free bank card by just going through a online bank or in Some neobancs. But, is it also possible to get one using a traditional bank?

Free online banks’ bank cards:

All online banks, such as conventional banks, obviously offer bank cards. They work using the Visa or Mastercard network. Most of the time, these bank cards are completely free in the Online banks.

To obtain a free bank card in an online bank, simply open a bank account. It is :

• Simple and fast
• Without a commitment of duration
• Without compulsory domiciliation of your income

You will enjoy in an online bank of same services banking than a traditional bank with a physical agency, but with a free bank card as well as Accounting costs offered. And that is not to mention all gifts (welcome offer + sponsorship) that will be added !

Online banks’ bank cards: Most free !

Looking at the table above, you will be able to choose as you need your new free card. They do not all have the same advantages and will not all meet your needs, desires and preferences in the same way. It will therefore be necessary to analyze your card use profile.

The banks
Account fees	17 €/month	0 €	0 €	0 €
CB cost	8 € / month	0 €	0 €	0 €
Deposit at the opening	0 €	10 €	300 €	300 €
Welcome offer	0 €	1 year free spirit + 80 € offered / bonus at 1 € for 6 months	Gold: 80 € offered Fosfo: 30 € offered	€ 100 offered with the BRS100 code
Visual card
Card type	MasterCard / Visa American Express	HELLO ONE VISA	Mastercard Fosfo	Ultim
Euro zone payments	Free	Free	Free	Free
Payments outside the euro zone	2.6% of the amount + 0.40 €	Free	Free	Free
Euro zone withdrawals	3 or 4 free withdrawals/month then 1 €/withdrawal	Free in BNP network or € 1 / withdrawal	Free	Free
WHOLOWS Outside Euro Zone	2.5% of the amount + € 3.10	Free in the BNP network or 1.5% of the amount	Free	3 free withdrawals per month
Species deposit	At the counter	Unlimited BNP Window	Impossible	Impossible
Check	At the counter	BNP mail / counter	By mail	By mail
Advantage	None	The species deposit possible	100% free payments and withdrawals everywhere	The Corner
See the offer	See the offer	See the offer

Bank cards are free in neobancs ?

Unlike online banks, neobanques do not offer all free card. However, there are two of them who offer it. To know :

• Standard N26 (Shipping Card: € 10)
• Standard revolut (shipping card: € 5.50)

Free CB in a traditional bank: is it possible ?

In principle, traditional banks invoice the account holding fees as well as a Annual contribution for the bank card. It is for these two reasons that a bank account in an agency is horribly expensive, not to mention all the costs of payment incident and irregularities which are really catastrophic.

However, some customers who have a good relationship with their banker can be granted certain privileges such as for example have a free bank card. This kind of privilege is often negotiated After several years of loyalty in the bank in question.

If you have a lot of money in your traditional account, You can also ask for free of your account and your card under penalty of moving this money elsewhere.

Free CB combo + traditional bank:

You want to keep your traditional bank, but still have a free CB ? Know that it is possible, but it will require a little energy from you. Here’s how to do:

1. Reduce traditional bank services
2. Open a free account with free CB
3. Make transfers to supply the account

1 – Reduce the services of the traditional bank;

In order to keep your classic account while deleting the costs of your card, you will have to ask your banker to place all the services of your classic account at least and to no longer have a bank card. In general, the minimum service varies from 1.5 to 2 euros per month: these are account holding costs incompressible. On the other hand, you will no longer pay the card costs since you will no longer have them.

Good to know: some bank offers a completely free bank card (without chip), allowing the deposit of check and species, as well as the withdrawal of money in your agency network. This is for example the case at Crédit Agricole.

2 – Open your account free of charge with free CB:

Once the minimum service in place, you will be able to open an account in a bank at no cost and without obligation in one of the next online banks, which offer the free bank card.

The banks
Account fees	17 €/month	0 €	0 €	0 €
CB cost	8 € / month	0 €	0 €	0 €
Deposit at the opening	0 €	10 €	300 €	300 €
Welcome offer	0 €	1 year free spirit + 80 € offered / bonus at 1 € for 6 months	Gold: 80 € offered Fosfo: 30 € offered	€ 100 offered with the BRS100 code
Visual card
Card type	MasterCard / Visa American Express	HELLO ONE VISA	Mastercard Fosfo	Ultim
Euro zone payments	Free	Free	Free	Free
Payments outside the euro zone	2.6% of the amount + 0.40 €	Free	Free	Free
Euro zone withdrawals	3 or 4 free withdrawals/month then 1 €/withdrawal	Free in BNP network or € 1 / withdrawal	Free	Free
WHOLOWS Outside Euro Zone	2.5% of the amount + € 3.10	Free in the BNP network or 1.5% of the amount	Free	3 free withdrawals per month
Species deposit	At the counter	Unlimited BNP Window	Impossible	Impossible
Check	At the counter	BNP mail / counter	By mail	By mail
Advantage	None	The species deposit possible	100% free payments and withdrawals everywhere	The Corner
See the offer	See the offer	See the offer

3 – Make transfers to supply the account;

You now have two accounts. Your classic main account, and your online account that allows you to have a card again. And this time, without paying it.

You just have to make transfers from one account to another so that you can use money from your main account via your new free bank card.

You just have to be careful to get caught in advance so as not to be short of money on your card. In the event of an emergency, you can always use the instant transfer, which will allow you to have the money immediately on the card.

CAUTION: Instant transfer is generally billed 1 euro per transfer.

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Free bank card: what you need to know ?

Previously subject to income, online banks today allowGet a free bank card Without income condition with bank offers below:

List of free bank card offers:

• Hello One of Hello Bank!
• Boursorama Welcome
• Ultim from Boursorama Banque
• Fortuneo Fosfo Mastercard
• Mastercard Gold De Fortuneo
• Mastercard World Elite de Fortuneo
• Bforbank Visa Classic
• Bforbank Premier Visa
• Orange Bank standard mastercard
• Standard Revolut Mastercard
• N26 standard mastercard

Free bank cards: Watch out for additional costs

FREE NON-US COLD CARDS:

The only condition for benefit from the majority of cards for free, it is to use them. Otherwise, you will pay non-use costs. It will be necessary, in fact, to use your free card at least once a month. Distributor withdrawals do not are not counted, it will be necessary Use it in payment mode. In cases where you will not use your free card, you will then have to pay non -use CB uses every month:

Free cards with non-use costs:

• € 9 / month for the Boursorama Ultim Visa
• € 5 / month for the Boursorama visa visa
• 3 € / month for the Fosfo Mastercard of Fortuneo
• € 9 / month for the first visa of fortuneo
• 3 € / month for Hello Bank Hello One!
• € 6 / quarter for the BforBank Classic Visa
• 9 € / quarter for the first visa of Bforbank

Free cards without non-use costs:

It is not possible to benefit from a free bank card without condition of use. It can be scary, but it is simply almost Impossible not to use His bank card at least once a month, so there is not really something to worry about. In addition, if you start to use it, Free resumes for the current month.

Monthly non -payment fees for high -end cards

To benefit from a high -end free bank card or prestige, it is necessary to pay a minimum of money each month in the online bank which provides you with the card. Or justify a minimum of income or savings And to carry out a payment operation each month. Thus the conditions to obtain a high -end or prestigious free bank card are:

• Gold Fortuneo: justify € 1,800 / month or € 10,000 in savings and under condition of use
• Ultim and Metal Boursorama: without income conditions
• World Elite Fortuneo: pay € 4,000 / month or cost of € 50 / quarter in costs
• Premier Bforbank visa: justify € 1,200 / month and under condition of use

Account opening procedure with free CB

To open an account With free bank card, Nothing could be simpler, everything is done online. For Get a free CB At home by post, just follow the following steps:

• Filling an online form using your personal data
• Sign online the bank account agreement
• Transmit supporting parts in electronic format
• Activate the online account by making a first transfer via an account in its name and surname

The advantage of online banks is to be able to open an account without compulsory domiciliation of its income neither Mandatory minimum payment each month And Without a commitment of duration.

How to choose your free bank card ?

In order to choose your free bank card and especially your online bank, it is important to Understand your profile. In order to make your task easier, we will offer you three different profiles:

1. Difficult financial situation
2. Average financial situation
3. Good financial situation

1 – Difficult financial situation: a free card without surprise

In case of financial difficulty, know that you still have the Possibility to have a free card which also offers free abroad payments around the world. The Hello One card has nothing to envy to another, because it offers the same advantages as a Visa Classic card.

Hello One In summary:

• 0 € for the bank card
• 0 € for account holding
• 0 € in the event of termination
• 3 € / month in case of non -use
• No duration of commitment
• First opening filing of only € 10
• Deposit of money as a BNP counter possible
• Without income condition

2 – Average financial situation: great versatility;

If you have, like most people, want a card that tears everything away, Without paying a single euro, So two possibilities are available to you: the Fosfo card or the Ultim card.
The two bank cards offer identical advantages except in terms of insurance and assistance guarantees (better with Ultim).

The other difference between these two cards is played out in terms of non-use costs which are 15 € for Ultim against € 3 for Fosfo. One is green, the other is black. You choose !

Fosfo and Ultim in summary of the advantages:

• Free payments all over the world
• Free withdrawals all over the world (limited to 3 / month with UTLIM)
• Completely free card under use condition (one payment transaction per month)
• No account holding fees

Fosfo and Ultim: the differences

• Ultim is in the Gold and Premier range, therefore with better insurance and assistance
• Fosfo has a cost reduced cost of non-use, with unlimited payments and withdrawals all over the world

3 – Good situation: the best bank card (not really free)

There Hello Bank HELLO BANK Bank Card! is free. However, account holding costs are € 5 per month.
The good news is that you don’t have No non-use costs of your Hello One or Hello Prime card. The other good news is that this bank card is a card in the upper range. It allows you in particular to have better insurance and assistance guarantees in France and abroad. You can also like Hello One Use BNP agencies To deposit your species and checks.

Hello premium in summary:

• Free black prime card free
• Account holding costs at € 5 / month
• Free payments all over the world
• Free withdrawals all over the world
• Money and check deposit in BNP agency
• Best insurance with your Prime card
• Better assistance especially abroad

Gold card or first for free:

Want a card that defines you and that free ? You will have the choice between

The Visa Premier card is available at Hello Bank ! But only for attached accounts.

Because Gold and First offers are a little more specific and different, to provide you as possible, we present two tables to you To get a better idea.

Free visa cards tables:

Free Mastercard Mastercard Card Tables:

Gold advantages
Income or savings condition:	None	1800 €/month or € 10,000 in savings
Welcome offer:	0 €	Gold: 80 € offered Fosfo: 30 € offered
Card type:	Gold Mastercard immediate or delayed flow	Gold Mastercard immediate or delayed flow
Free CB:
Annual cost of CB:	130 €	0 €
Account holding costs:	24 €/year	0 €
Withdrawals in the euro zone:	3 or 4 free withdrawals/month then 1 €/withdrawal	Free
Payments in the euro zone:	Free	Free
Withdrawals abroad: excluding euro zone	2.5% of the amount + € 3.10	Free
Payments abroad: excluding euro zone	2.6% of the amount + 0.40 €	Free
Loss/theft insurance for payment methods:	26 €/year	0 €/year
See the offer

Justify your income for more freedom

Free CB to systematic authorization or immediate debit

Most bank cards than online banks offer free and unconditionally (Apart from already having a RIB, so an account) are cards to systematic authorization, Also called balance control card. This means that the balance of your account is consulted before the payment or withdrawal terminal in a distributor decides to validate the operation.

The money is therefore immediately removed from your account. Thus, impossible theoretically to find yourself in the open with this type of card.

Immediate flow or delayed flow: according to your desires

Online banks are not synonymous with low cost either. All online banks allow you to go upmarket, with more renowned cards, such as the Premier Visa or the Gold Mastercard.

The more upmarket we go up, you will have freedom and advantages, but it will be necessary justify your income To reassure the bank, and thus be able to benefit, for example, from a free gold master or even a free visa.

According to banks, it may be that with this kind of card, while justifying your income, that you do not have non-use. This point is at Check in the banks’ pricing grids.

Visa Infinite and Mastercard World Elite

In general, these high -end bank cards are not free. Indeed, in addition to having to justify more than 4000 euros per month, you will have to pay a sum of 200 euros per year on average to have one of these precious black and chic sesame.

Fortuneo Banque is the only bank to offer the Mastercard World Elite free ! It will be necessary to have it, to justify and pay the account € 4000/month, failing this it will cost you € 50 per quarter.

Free bank card ceiling:

Like other bank card, Free cards have withdrawal ceilings and payments. Generally calculated over seven slippery days. The advantage of having your bank card in an online bank is to be able to modify this ceiling directly on your mobile application in a few seconds. What happiness !

Free bank card safety:

Your online bank account is a real bank account. Therefore it is protected in the event of hacking of banking data, and you can then do the legal procedures to repair the Tord.

With Your free online card, you can do even better. In the event of loss or doubt of your bank card, you can block the card temporarily From your application, and that, in a few seconds. If you find her just as easily And instantly You can unlock it. Finally, do not hesitate to consult our tutorial to protect your bank card, so you will have a quiet conscience.

Paid banks paid bank cards:

The Bforbank online bank is the last online bank to offer the Visa Infinite bank card and it is not free. The infinite visa costs 200 €/year, but there is no non-compliance with conditions. Likewise for the Hello Hello bank card at € 5/month of Hello Bank!, a high-end card without costs of non-use of the card.

Only online bank Monabanq does not allow you to obtain a non -prestigious bank card for free. Monabanq offers range from 2 to 9 €/month for a bank card without bank charges abroad.

Free bank card without any condition

Currently three banks allow you tohave a free bank card without condition.

1. Hello Bank with Hello One
2. Orange Bank
3. N26

1 – Hello One: the free offer and unsurprisingly for the foreigner !

Hello Bank recently offers a new offer. The hello one offer will allow you to have a bank card, and that, for free and without any condition, except having a French RIB in your name for subscription.

Here is what Hello One can bring you:

• A free bank account
• A free hello one bank card (or € 3 per month of non -use)
• No duration of commitment
• The opening of the account is free
• The closure is also free

But also all the following advantages:

2 – Orange Bank without condition also

The Orange Bank online bank allows you to open a free bank account and without any condition with the Mastercard Standard Card. If you cannot make the first payment of € 50 via a bank account in your name and first name, a Video selfie control will be necessary.

Opening an Orange Bank account is to benefit from the following advantages:

• An account free of charge provided that you make at least 1 card / month operation
• The free Mastercard standard card
• Free payments and withdrawals in France and euro zone
• Insurance of free means of payment
• Without engagement
• Free account opening and closing

3 – N26: free without conditions and without having rib !

One of the strengths of N26 is to be able to open an account without having another bank account. All banks ask for a RIB for the opening of an account, Except N26. This unconditional bank German created in February 2013 in Berlin already has more than 5 million customers and is present in 23 countries of the European Union.

N26 Do not really ask no conditions.

With N26, you can therefore have a bank card and a real Account with free bank card, and that :

• Without income conditions
• Without condition of domiciliation of your income
• Without engagement
• No opening or closing costs
• Without obligation to change bank
• Without non -use costs

Even in Banking prohibition situation near Bank of France, you can Opening a bank account with N26 and it will be free, fast, with a real Mastercard bank card, And all N26 services, such as for example Money Beam which allows for bank transfers or money transfers with a simple phone number or email from your recipient. Below more details on all the advantages of this online bank without condition.

The advantages of the Bank account N26

THE Bank account n26 Not only allows benefit from a free bank card without conditions, The current account also allows benefit from many other free advantages:

• No account holding fees
• No possible overdraft: CB with systematic authorization, no checkbook N26
• No costs payments CB in France and abroad
• Automatic categorization of your expenses
• Pay less costs transfers abroad with TransferWise
• Send money by sms with moneybeam
• 5 free cash withdrawals per month (then costs of € 2/withdrawal)
• Receive CB payments in real time
• Immediately block/unlock the N26 bank card
• Modify your bank card ceilings

N26 has a European banking license, it therefore respects European data protection directives and your deposits are guaranteed up to € 100,000, like a classic bank. You can thus Make your old paid bank card to your banker and enjoy your new Free CB without any condition And at nochy for your payments all over the world as well as a real Rib For your transfers and samples.

What are the supporting documents n26 to be provided

For Open a N26 account, a single supporting piece is necessary. Namely, your ID:: ID card, passport Or residence permit. This bank is 100% mobile, So you should also have a smartphone For Download the mobile app Available on theApple Store And Google Play.

We did the test. It’s necessary 8 minutes watch in hand For Open a bank account without conditions.

Don’t forget to have your ID on you, because You will have to take a picture of it With your mobile phone and then transfer it to online bank using the N26 secure application.

To check your identity, N26 will ask you to send him a selfie from you. Facial recognition software will allow the application to confirm your identity.

Ask now Your free free bank card to travel Without borders because this card (and even the basic card of N26) will allow you to make your payments anywhere in the world and in any currency, at no cost.

FAQ on free bank cards:

What are the advantages of a free bank card ?

The advantage of having a free bank card with the account included is that it saves you a lot of money throughout the year. When some traditional banks take between 80 and 250 euros per year just for a standard account.

Online banks therefore offers a bank account, which includes account holding costs and your completely free card !

You will also have the possibility of making payments abroad for free, manage your card directly from your mobile application, ceiling, block the card etc..

What are free online free bank cards ?

Free bank cards from online banks are exactly the same as another card in a traditional bank. They also use the same visa and mastercard networks and operates in the same way.

Free costs of free bank cards ?

Did you know that costs of bank cards abroad are often more attractive if you take a free card in an online bank. Free withdrawals and payments around the world with Ultim de Boursorama, Fosfo de Fortuneo, Hello Prime of Hello Bank! And essential of ING

What is the duration of a card that is free ?

The duration of a free online bank card is the same as a standard card. Of the order of 2 to 3 years. Renewable with each deadline, some banks offer free life cards for life ! You can see in our comparison of bank cards.

Differences between free card and paid card?

A free bank card generally comes from an online bank. Apart from the bank which is therefore online, the card is a real payment and withdrawal card in the same way as a card of a bank such as Crédit Mutuel, BNP, or even Sogal (Société Générale). Online banks are real banks with the same payment options.

What is the best free bank card?

There are three cards that can claim this title. Hello One, Ultim, and Fosfo.

• Hello One without any constraint with paid withdrawals but free payments all over the world. No non -use fees.
• Fosfo with free payment and withdrawals all over the world with 3 euros of costs per month in the event of non -use.
• Ultim is only limited to 3 free withdrawals per month outside the SEPA zone and has high non -use costs (15 euros / month), but with high -end guarantees and insurance

Conclusion :

Have a bank card Without paying it, it’s good. Without conditions, it’s even better. The Hello One card is undoubtedly the least restrictive, if you are not the type to withdraw money at the counter. Otherwise it will rather be necessary to opt for the credit card Fosfo which allows free payments and withdrawals worldwide. It will then be necessary to think of using the card once a month so as not to pay the costs of non-use 3 euros.

35 comments

Ines February 20, 2022 at 12 h 18 min – Reply

Who still pays for his bank card ? Still billed by conventional banks, online banks allow you to benefit from a free bank card. But beware, it is necessary to fulfill conditions of income and use (at least 1 payment operation per month) to benefit from free card. Only the HELLO BANK VISA HELLO One card allows you to benefit from a free CB without condition. This is the bank card I chose and I am very satisfied with it. Card payments are free all over the world and Hello Bank is the only online bank that allows me to supply my account for free and unlimited via BNP Paribas ATMs. I was previously at BNP elsewhere and go to Hello Bank did not change anything in the end, I even kept my former bank details !

Gabin October 20, 2021 at 10 h 47 min – Reply

Hello, is it possible to obtain a free bank card without condition, both income and use of the card ? Thanks for your feedback 🙂

Adrien December 1, 2021 at 2:01 p.m. – Reply

Hello Gabin,
There is only one card that allows you to benefit from a free bank card without income condition and without condition of use. This is the Hello One of Hello Bank card!. Take advantage of it quickly before the conditions of the Hello One visa changes 🙂

Beatbox August 6, 2021 at 1 h 32 min – Reply

Hello team ! Watch out for the Zero card ! I came across it, we often talk about it as a free card but it is not really an ordinary CB. This is a real credit card associated with renewable credit. To be used with the greatest caution !

Adrien August 16, 2021 at 10 h 24 min – Reply

Hello Beatbox, indeed, the zero card is a credit card associated with a renewable credit. The advantage of the Zero card is to benefit from a free credit up to 6 weeks, provided of course (as you have pointed out) to reimburse in time your monthly statement which group all of your Expenses of the month. The zero card does not engage in any case in the event of non-use of renewable credit since the Gold card remains free.

Fabrice August 2, 2021 at 1:48 p.m. – Reply

It is increasingly difficult to benefit from a free bank card without condition. Only the online bank Hello Bank! Allows you to benefit from a free bank card with Hello One. For other bank cards, to benefit from free, it is either necessary to carry out at least one payment transaction per month, or to pay a minimum of money on the account (a kind of domiciliation of income in short), damage …

Elo July 2, 2021 at 23 h 25 min – Reply
Simply fantastic article ! Good job !
Maria May 12, 2021 at 0 h 29 min – Reply

The Boursorama Banque Ultim card is for me the best free bank card ! Simply because Boursorama is the cheapest and most complete online bank in banking products and services.

Martine April 28, 2021 at 0 h 42 min – Reply

I hesitated for a long time to join the online bank but when I knew that the bank did not charge accounts for accounting or annual bank card contribution, I started. In addition, I was able to open an account for free and without obligation or compulsory domiciliation of my income. I was able to test the online bank Hello Bank with the Hello One card freely. Satisfied, I changed banks after 5 months with the Hello Start Bank Mobility Help Service from Hello Bank.

Marco March 30, 2021 at 6 h 50 min – Reply

I personally recommend the FOSTEO Mastercard free bank card. It has the advantage of allowing you to pay any costs on payments and withdrawals all over the world. Please note, unlike the Hello One card, the Fosfo card is not free without condition, you must perform at least 1 payment operation per month so as not to pay non -use card costs (3 €/month). Too bad also that you cannot credit your Forteno account in cash as possible with the hello bank online account using the DAB BNP Paribas.

The ex March 15, 2021 at 22 h 58 min – Reply

I have had an N26 card for several years, no problem, customer service at the top. Very clear presentation, good automatic visibility of payments, fast transfer (also depending on the bank that receives), works very well with TransferWise for international transfers, very good safety, and above all 0 € of payment. Maybe for the delivery of the card and if you make more than 5 withdrawals per month. But very reasonable prices. German bank whose Iban begins with and which is not admissible by taxes or Mgen … Yet we are in Europe.

Carole January 8, 2021 at 4 h 38 min – Reply

I do not want to do the ominous bird, but I am afraid that it will soon be impossible to benefit from the free bank card when we see the evolution of offers as online banks as neobancs ..

Chris October 14, 2020 at 10 h 28 min – Reply

If you want to benefit from both the advantages of the online bank and the traditional bank, I advise you without hesitation the online bank Hello Bank!. With the hello one offer, you benefit from a free account and bank card as well as the possibility of depositing species and checks for free and unlimited on your account via one of the automatic ticket distributors from a BNP Paribas agency. Only Monabanq online bank allows the deposit of checks and species in DAB CICs, but free species deposit is limited and the bank account is not free.
With Hello One of Hello Bank!, You take advantage of an offer without obligation and unsurprising with the free bank card hello one with immediate debit and balance control. So you have a real time overview of your account balance ! No more irregularity and incident costs for an unauthorized overdraft 🙂

Germain Laforge October 12, 2020 at 1:22 p.m. – Reply
Is there an e-card for the Boursorama bank ?
Adrien October 12, 2020 at 5 h 37 min – Reply

Hello Germain,
The blue e-card or virtual bank card is not currently available at Boursorama Banque. Only the online bank Fortuneo offers it. Good evening !

Florian September 4, 2020 at 10 h 01 min – Reply

Hello Adrien, Sorry to contradict you, but I have the Visa Premier card of Boursorama Banque, and it is a debit card that is not always accepted by car rental companies abroad. At today, I did not find a solution for that. THANKS

Adrien September 25, 2020 at 1:54 p.m. – Reply

Indeed Florian, no online bank offers the credit card. I had thought of the American Express but no, it is a delayed debit payment card. Thank you very much for your remark !

Manon September 1, 2020 at 5:59 p.m

If you want an unsurprising bank card, take the Hello Bank Visa Hello One card!, a free bank card, without obligation and without non -use costs. In addition, the Hello One card does not charge any costs on payments abroad by card. What happiness !

Enzo October 11, 2021 at 2:10 p.m. – Reply

I confirm the words of Manon, the hello one card from Hello Bank!, It’s really that happiness. The visa card is completely free, whatever happens. Thus, finished unpleasant surprises such as costs in the event of non-use of the card. With the health situation, I have not yet been able to travel abroad but it is true that Hello Bank announces no costs abroad on payments with the Hello One card.

Sébastien August 24, 2020 at 0 h 49 min – Reply

Hello, what is the essential ING card worth ? I hesitate between the ING card and the hello one card from Hello Bank!, Both accessible without condition.

Adrien August 27, 2020 at 11 h 35 min – Reply

Hello Sébastien,
The MasterCard Standard ING and the Hello Bank visa hello one! are both free bank cards with systematic authorizations (balance of balance before speed). On the other hand, the essential offer ING has more constraint with the unavailable checkbook and only 5 free withdrawals per month (then 1 €/withdrawal). So we recommend the hello bank hello one offer!.

Guillaumel August 11, 2020 at 7:59 p.m. – Reply
Really complete article ! Thank you for all this precious information.
Cyril August 8, 2020 at 1 h 48 min – Reply
And There you go ! My free bank card with Fortuneo ! Thank you for the info guys !
Jeremy June 1, 2020 at 4:00 p.m. – Reply

Very satisfied with my new Visa Ultim card from Boursorama. The Ultim Visa is a bank card without income condition and without bank charges abroad on payments and withdrawals by card. What happiness ! Only drawback, the costs of non-use of the bank card. You must carry out at least one payment transaction per month with the Ultim card so as not to pay 15 €/month of costs.

Norbert S June 3, 2020 at 0 h 34 min – Reply

Your comment helped me well, however for me it will be a premium of Hello Bank ! This bank being straddled between classic bank and online bank, it allows in particular to deposit money on its bank account via the BNP counters. Ditto for check deposits. Finally for 5 euros per month, I have a card as efficient as Ultim. In addition, instant transfers are free and unlimited. Practical for my student son far from the house. And to finish I also liked to be able to block and unlock my card with your fingertips via the mobile account management app. The word of the end, this card is not free but really not expensive for what it is ! I recommend !

Didier May 22, 2020 at 12 h 57 min – Reply

For me, the FOSFO Bank FOSFO bank is the best free bank card ! Without account holding and no bank charges abroad on payments and withdrawals. The only condition to take advantage of the free bank card, carry out at least one payment transaction per month.

Roger March 5, 2020 at 1:00 am – Reply

Hello I wanted to know with precision, which bank card is the cheapest ? (costs included, because I travel a lot) !

Adrien March 8, 2020 at 9 h 10 min – Reply

Hello Roger,
If you travel a lot, I recommend the Hello One Bank Card. Hello One is an unsurprising bank card: card payments at no cost all over the world, no costs of card non-use, discovered not available.
Good week

Vansimpsen Etienne February 24, 2020 at 6 h 58 min – Reply

When I was domiciled in Belgium, I had two bank cards, one that served me to make my daily purchases, withdrawals from the terminals, to take fuel, so it was an immediate debit card. A second card (MasterCard) allowed me to make purchases with delayed debit valid also abroad (in France in particular) and could be used for tolls, service stations, for car rental. Now I live in France and the situation is more complex, and the explanations of rather blurred bankers. Indeed you really have to pull the worms of the nose so that they tell you that the cards are not necessarily accepted to all tolls, that car rental is not possible, for the reservation of a car, it there is no problem, but as for the deposit of a guarantee this is not the case). After research on the Internet, it seems that confusion exists between debit card and credit card. This confusion remains after reading your article. Also I ask you: “What are the banks that offer a card that can be used to rent a car in France or abroad so that the rental company can reserve the warranty ? ” Thank you for your reply.

Adrien March 8, 2020 at 9 h 49 min – Reply

Hello Etienne,
Indeed, the vehicle rental agencies request a credit card rather than a debit card for the deposit of the deposit because the request for payment can be made within 45 days the operation against 7 days for the bank card of Speed. It is therefore necessary to avoid subscribing to a bank card with balance control. I therefore advise you not to subscribe to the following bank cards: Ultim and Welcome from Boursorama Banque, Hello One of Hello Bank!, Mastercard and Fosfo of Fortuneo Banque, essential offer ING. I advise you the Prime Visa of Boursorama Banque or the Gold Mastercard of ING.
Good week

Anass Nanass February 7, 2020 at 0 h 59 min – Reply

The Boursorama Utlim bank card is free ! This card is simply crazy ! The bomb !

Henry H January 11, 2020 at 7 h 48 min – Reply

The online bank really offers a free bank card and bank accounts without any costs ! Thank you for this article! Very cordially Henry

Laura December 25, 2019 at 10 p.m. – answer

Super happy with my new free visa first hello bank visa!. A gold card that assures me and assists me when I travel in France and abroad 🙂

Free bank card: where to find the best ?

All traditional and online banking establishments today offer their customers bank cards. However, they are not always free. If you are looking for A free bank card, You will have better chances by directing yourself to online banks. You still have to pay particular attention to the counterparts for its granting in order to avoid unpleasant surprises. This concerns for example the income level and its minimum use. Traditional banks also provide their customers, but on very strict conditions.

Obtaining the free bank card

In the vast majority of cases, it is necessary contact online banks To obtain a free bank card. Therefore, you must go to the website of a digital banking establishment which offers this type of offer to find out about the conditions, and make your request.

Then, as the case may be, you open a bank account with a free bank card by fulfilling all the membership criteria and respecting the specific conditions for maintaining its free. The main steps to obtain a free bank card come down as follows:

• Go to the website of a digital banking establishment;
• Bank with a free bank card offer;
• Transmit supporting documents in digital format;
• Receive by mail the free bank card and activate it;
• Respect all the conditions to keep the bank card free.

You can get a free bank card in a few rare physical banks. However, this favor is given to you only on the condition of already holding a main card, or of subscribing to other products and/or services of the banking establishment. Therefore, you must particularly be interested in a few points such as the prices of related products and services, bank charges, etc. Indeed, the cost is one of the Advantages of online banks on traditional banks. Digital banking establishments are focusing on a commercial policy focused on drastic reduction in prices.

The five best free bank cards

Since the digital turn of companies and the democratization of the Internet, many online banks have appeared on the market to compete with traditional banks. Which contributed to The enrichment of bank card offers and the arrival of free bank cards.

• Free Welcome visa card
• A minimum payment/month
• Mobile app
• Immediate debit card

• Free Fosfo Mastercard Card
• A withdrawal or payment/month
• Online management interface
• Immediate or delayed speed card

• Free standard N26 card
• No income condition
• 100% online account opening
• 0 € account holding fees

Free standard mastercard card*

• Free standard card
• No income condition
• Free money in 30 currencies
• Up to € 200 withdrawal in DAB/month

Free standard revolut card*

• Free hello one card
• No use of use
• No fees abroad
• Immediate debit card

Free HELLO One card*

• Free Visa Card
• Three payments per quarter
• Mobile app
• Immediate debit card

Free first visa card*

• Free standard card
• A withdrawal or payment/month
• Card customization
• Immediate debit card

Hello Bank

Hello Bank is an online bank that is distinguished by its offer of Free Banking Cards for Lifetime Without the slightest condition. To date, it is the only digital banking establishment which does not impose its customers a minimal monthly deposit and a minimum number of uses. Concretely, Hello Bank offers three real free bank cards:

• Visa hello one (individual account);
• Visa Hello Classic (joint account);
• Visa Hello Premier (joint account)).

By opting for one of its cards, the online bank never requires a return approach on withdrawal operations and payments. In addition to this marketing practice ” honest “, Hello bank makes every effort to simplify the granting of his free bank cards as much as possible. Globally, Just have an individual account. The conditions of obtaining are classic:

• AUNCUN income condition for Visa hello one;
• Without condition, with a delayed delicate or immediate speed 1,000 euros in revenues per month, or 5,000 euros in outstanding per spouse for the hello classic visa;
• 1,800 euros in revenues per month or 10,000 euros in outstanding spouse to obtain the hello first visa.

Balance Bank

Like Hello Bank, Boursorama Banque does not offer customers that free bank cards. On the other hand, only one of its four bank cards is granted without condition of use. This is the Visa Classic card. For the three remaining cards (Visa Ultim, Visa Premier and Visa Welcome), you must perform at least one payment per month. In the event of non-use, the bank applies as a penalty of costs which are respectively 15 euros, 15 euros and 5 euros.

Apart from the conditions of use, the free bankrupt bankrama bank cards are subject to entry conditions. Whether you choose for immediate speed or delayed flow for each use of your bank card, the conditions are similar:

• Visa Classic (1,000 euros in income per month or 2,500 euros in outstanding);
• Visa Ultim (Without income condition);
• Premier visa (1,800 euros in income per month or 5,000 euros in outstanding);
• Visa Welcome (Without income condition)).

Fortuneo

Fortuneo is a digital banking establishment that markets three free life cards for life if you meet the conditions of use. Overall, these conditions are rather flexible:

• Mastercard Fosfo (at least a monthly operation and € 1,200 income per month))
• Mastercard Gold (at least one monthly operation and 1,800 euros in income per month))
• Mastercard World Elite (An operation per quarter at least and monthly payment of 4,000 euros)).

For the first two bank cards, carrying out one operation per month must not constitute a real constraint. On the other hand, for the Mastercard World Elite bank card, You must justify a certain level of income.

In the event of non-compliance with the conditions of use, Fortuneo inflicts you with non-use costs that vary according to your bank card. It is 3 euros for the Mastercard Fosfo, 9 euros for the Mastercard Gold and 50 euros per quarter for the Mastercard World Elite. However, the real competitive advantage of this online bank is to offer its customers a high -end free bank card.

Orange Bank

Unlike previous digital banking establishments, Orange Bank offers only one free Visa bank card (entry -level)). If his granting is not subject to income conditions, you must still use it at least once a month to avoid the levy of non-use costs of 2 euros in the following month. Overall, it is therefore more accessible (Without income condition and lower non-use)). In addition to greater accessibility, the free Orange Bank free credit card offer includes:

• A Loss and flight insurance means of payment;
• Additional insurance;
• An optimized mobile application for updated balance;
• Mobile payment (optional)).

Bforbank

Like Orange Bank, Bforbank also markets free Visa bank cards. The online bank’s offer consists of two cards: the Visa Classic and the first visa. They are subject to entry and use conditions. To obtain a free visa classic card, you must open an individual account and justify net income of 1,200 euros per month (2,000 euros per month for a joint account)).

For a free visa card, the conditions are 1,600 euros net per month for an individual account and 2,400 euros net per month for a joint account. In addition, you must carry out at least three operations per quarter on your bank card to preserve its free.

In the event of non-compliance, you will be sanctioned by 6 euros per quarter for the Classic visa and 9 euros for the first visa. Bforbank has made a lot of effort to reduce them. Previously, these costs were indeed 15 euros per quarter. If they are more expensive compared to the 2 euros at Orange Bank, these non-use costs remain reasonable.

The conditions for granting and maintaining a free bank card

If online banks offer free bank cards, they impose in return Conditions for their granting and free. Depending on the banking establishment to whom you can contact, they can be important. In general, they relate to the level of income (With or without domiciliation on the bank account linked to the free bank card), a monthly payment or a minimum savings deposit, and minimum monthly or quarterly use of the bank card.

Free card with or without income condition

Depending on online banks, access to a free bank card is done with or without income condition. In the first case, you must justify a minimal monthly income which must generally be domiciled in your bank account associated with the bank card. On average, it oscillates between 1,000 and 1,800 euros depending on the type of bank card. At each use, you have the choice between the delayed flow or the immediate flow.

For a free bank card without income condition, The flow is however immediate. In addition, this category of bank card is at systematic authorization, which is why it is also called balance control card. Therefore, your bank ensures that you do not make abuses. At the same time, you have the assurance of never finding yourself in an overdraft. Indeed, as soon as the balance of your bank account is insufficient, the payment terminal automatically refuses any transaction. You master your budget more easily, an essential point if you do not receive a high salary.

Free with or without condition of use

THE free bank cards without use condition are rather rare. These are generally premium or high -end cards. The application of a condition of use by the bank to maintain free is justified by the need to encourage customers to use their bank card. It is largely remunerated on the transactions carried out. At least, you must do an operation per month or three operations per quarter under penalty of being sanctioned for the following month or quarter. The amount of the penalty varies from one banking establishment to another.

In addition to the number of operations to be carried out each month or each quarter, the ceiling of use is an important criterion in the choice of your free bank card. It varies according to banking establishments. The higher this ceiling of use, the more latitude you have in the management of your payments by card. On the other hand, if it is low, you run the risk of being penalized for exceeding or seeing certain transactions refused. It is therefore recommended to opt for a bank that leaves you Define your ceiling according to your needs.

Joint account and free card

If you are in a relationship and have opened a joint account, your banking establishment allows you to have two free bank cards. As a result, each spouse has one and is free to use it, but in compliance with the conditions of use. As with personal accounts, their granting can however be subject to the conditions of income and/or monthly deposits. Furthermore, the banks apply the same expenditure ceilings, withdrawal fees and costs abroad.

Free cards without bank and account

You can also get a free bank card without a bank today, and therefore without associated bank account. This is the prepaid or rechargeable bank card. Indeed, as it is not connected to any bank account, it must be recharged to be used. Non-affiliation to a banking establishment is a specificity that may have several advantages.

Want to change the bank ? Discover all the advantages of online banks: free bank card, 0 account holding costs, mobile and dematerialized services, available customer service, etc.

Bank card types according to their uses

The credit card name is usually used to designate bank cards. However, all Cbank arts are not credit cards. In reality, banking establishments offer several types of bank card.

Credit card

There credit card, The most widespread type of bank card allows you to set up your purchases and other expenses. As its name suggests, you benefit from a credit whose ceiling and interest rate are established by contract. Your bank account is therefore not debited at the time of payment. However, some banks give the possibility of Choose between delayed flow and immediate flow When going to checkout.

Debit card

The debit card, also called ATM card, has the sole function of withdrawing money from an automatic ticket distributor. In other words, it does not allow you to make direct payments with a merchant. Most of the time, it is associated with a blocked bank account for young people.

Payment card

There payment card is used to withdraw money and/or to pay for your purchases and other expenses. Various subcategories of this type of card are available such as the immediate debit payment card, the payment card with systematic authorization, the payment card with international or national use, etc.

Prepaid card

There prepaid card looks like a payment card to a close point. Unlike the latter, it is not associated with a bank account. To be able to use it, you must load it. It is perfect for people prohibited from bank card, minors and people who travel a lot. Even if your bank card is free, it is essential to analyze your needs and Defain your payment habits, To effectively choose the one that suits you best. You must also take into account your monthly income.

Furthermore, free of your bank card means that your bank does not charge you No account holding fees. On the other hand, it is recommended to pay attention to any costs of use and intervention:

• Ceiling exceeding;
• Retention of your card in a distributor;
• Operations outside France and outside the euro zone;
• Opposition or renewal in the event of theft or loss ;
• Money withdrawals to off -network ticket distributors;
• Franchise in case of fraudulent operations carried out without your knowledge ..

Prepaid and rechargeable card: the advantages

Anonymity

Like recharges, you canBuy a prepaid card by bank transfer or in cash. Which represents a simple way to place your cash. By opting for a rechargeable card not attached to a bank or a financial organization, you Preserve anonymity on your identity. In other words, all the payment operations you carry out are anonymous. However, since January 1, 2017, the amount of the recharges has been regulated. In accordance with the law relating to the fight against bank fraud, you must justify your identity for recharges of more than 250 euros per month.

Risk of risk of fraud

With a prepaid card, you Also significantly reduce the risk of fraud. Which is vital for people who often travel. On the one hand, only the amount placed on your card can be affected in the event of theft or loss. On the other hand, you can always oppose and partially or fully recover the diverted sums.

No banking overdraft

Another advantage of rechargeable card is the simplification of your budget management. Which makes it perfect as a card for adolescents and minors. As soon as you have spent the whole sum credited on it, it becomes unusable. It does not allow an overview which is sanctioned by banks and harms your profile if you project in the future to take out a bank loan. It is also suitable for people in banking ban.