Here are the top 5 favorite French banks, best bank in France: ranking 2023

Best bank in France: ranking 2023


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Here are the top 5 favorite banks of the French

Crédit Agricole headquarters in the 15th arrondissement of Paris. (Drawing)

These are not the marks that we spontaneously quote to the question “What is your favorite brand ? »». Yet banks punctuate the daily life of the French between the authorized overdraft, automatic or delayed withdrawals, etc. At the top of the top 5 favorite banking brands of the French, that 20 minutes Exclusively reveals you, we find Crédit Agricole. The podium is supplemented by the savings bank and the postal bank. Crédit Mutuel climbs in fourth place while the Bishop Boursorama – online entity, without a physical window and which belongs to a bank, Société Générale – takes fifth place.

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Best bank in France: ranking 2023

Online banking, traditional banking or neo -bank, French banks have nothing to envy to their European neighbors. Fresh, welcome offer or customer service, Jechange scrutinizes the best banks in France and presents its 2023 ranking

�� Ranking of the best French banks

Jechange presents its ranking of the best French banks Depending on the amount of current costs and welcome offers. Unsurprisingly, the French banks online present the best welcome offers with mainly free cards.

Boursorama logo

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�� Until 110 € offered ✔️ Welcome: 0 €/month
✔️ Ultim: 0 €/month
Metal: € 9.90/month

➡️ Current costs:

✍️ Account holding costs: ✔️ Free

�� Inactivity costs: € 5 per month (€ 9 for Ultim) if no CB use in 1 month

➡️ Travel costs abroad:

�� Withdrawal in euro zone: ✔️ Free

�� Withdrawal outside the euro zone: 1 free withdrawal per month (3 for the Ultim card) 1.69% beyond

✈️ International payments: ✔️ at no cost and unlimited

✔️ Fosfo: 0 €/month
✔️ Gold Mastercard: 0 €/month

➡️ Current costs:

✍️ Account holding costs: ✔️ Free

�� Inactivity costs: 30 € per year

➡️ Travel costs abroad:

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

�� Withdrawal outside the euro zone: ✔️ at no cost and unlimited

✈️ International payments: ✔️ at no cost and unlimited

Hello Bank logo

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✔️ Hello One: 0 €/month
✔️ Hello premium: € 5/month

➡️ Current costs:

✍️ Account holding costs: ✔️ Free

�� Inactivity costs: 30 € per year

➡️ Travel costs abroad:

�� Withdrawal in euro zone: ✔️ Free in a distributor of the BNP Paribas network, otherwise € 1

�� Withdrawal outside the euro zone: Free in a distributor of the BNP Paribas network, otherwise 1.5%

✈️ International payments: ✔️ at no cost and unlimited

Monabanq logo

✔️ Pratiq+: € 3/month
✔️ Uniq: € 6/month
✔️ Uniq+: € 9/month

➡️ Current costs:

✍️ Account holding costs: ✔️ Free

�� Inactivity costs: 30 € per year

➡️ Travel costs abroad:

�� Withdrawal in euro zone: ✔️ Free

�� Withdrawal outside the euro zone: 3 free withdrawals/year (25 with UNIQ and unlimited with UNIQ+), 2% of the amount withdrawn beyond

✈️ International payments: ✔️ at no cost and unlimited

✔️ Standard: free
✔️ Plus: € 2.99/month
✔️ Premium: € 7.99/month
✔️ Metal: € 13.99/month

➡️ Current costs:

✍️ Account holding costs: ✔️ Free

�� Inactivity costs: ✔️ Free

➡️ Travel costs abroad:

�� Withdrawal in euro zone: Up to € 200 per month and 5 withdrawals per month free of charge, 2% of the amount withdrew beyond

�� Withdrawal outside the euro zone: Up to € 200 per month and 5 withdrawals per month free of charge, 2% of the amount withdrew beyond

✈️ International payments: ✔️ at no cost and unlimited

�� Our ranking of the best banks in France

Reliable and reassuring, Traditional French banks have the advantage of having reactive physical customer service capable of supporting you in your projects. However, they struggle to compete with the very competitive prices of French banks online as well as their efficient digital tools (account and management of the account).

JeChange offers you a ranking of the best French online banks as well as the Top 3 of the best traditional French banks.

Ranking of the best French online banks

Ultim Bank Boursorama card

Ultim Bank Boursorama
0 €/ month

Withdrawal
Up to € 2,000/7 days
*variable ceiling depending on income and outstanding

Payment
Up to € 20,000/30 days
*variable ceiling depending on income and outstanding

  • Premium offer without income conditions
  • Reduced foreign costs
  • Premier visa insurance
  • Overdraft
  • Sponsorship program + generous welcome offer
  • Efficient mobile application

Fortuneo Fosfo card

Fortuneo Fosfo
0 €/month

�� Until 80 € offered

Withdrawal
€ 500/7d

Payment
€ 2,000/30 days
*Ceiling per week and per day

  • Accessible card without income condition
  • Payments and withdrawals at no cost abroad
  • Unlimited and free ephemeral virtual cards
  • Mobile payment via Apple Pay, Google Pay, Samsung Pay
  • Access to MasterCard insurance and assistance
  • Promotional offers (welcome bonus, sponsorship)

HELLO BANK HELLO One card

Hello Bank Hello One
0 €/ month

Withdrawal
€ 400/7J

Payment
€ 1,000/30 days

  • Free bank card without income condition
  • Telephone customer service
  • Withdrawal at no cost all over the world in the BNP network
  • Check delivery service

�� Boursorama Banque

Elected cheapest French bank For the 15ᵉ consecutive year, Boursorama Banque offers extremely attractive prices. Its free cards Welcome and Ultim, without income condition, allow you to make payment at unlimited and free foreigners.

Here are the highlights of online banking number 1:

  • Premium card without income condition
  • Free payments and withdrawals abroad (up to 1 or 3 withdrawals per month depending on the card)
  • Insurance equivalent to the Premier Visa or Gold Mastercard
  • Welcome offer up to 110 €

Boursorama logo

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�� Fortuneo

A subsidiary of Crédit Mutuel Arkea, Fortuneo stands out thanks to its free GOLD card (provided you justify € 1,800 in monthly net income). A major argument to attract young active and CSP profiles +.

Here are the major advantages of the Gold of Fortuneo card:

  • One of the only free GOLD cards on the market (under income conditions)
  • Insurance and extended assistance guarantees
  • Payments (up to 2000 €/ week) and free withdrawals abroad (up to € 1,000 with withdrawals over 7 slippery days)
  • Possibility of delayed debit card (on request)
  • Welcome offer up to € 80

�� Hello Bank

More recent than its predecessors, Hello Bank stands out in particular thanks to its joint account offer, offered as well with Hello One, the basic offer, as with Hello Prime, its high -end offer.

Here are the major advantages of the BNP subsidiary bank:

  • Attractive prices
  • Hello one or hello prime joint account for 1 €/month for 6 months
  • BNP counters and partner banks available for checks for checks and species.
  • No income condition or use of the bank card
  • Free foreign costs with Hello Prime
  • Welcome offer of € 80 offered and Hello Prime card at € 1 for 6 months

Hello Bank logo

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Ranking of the best traditional French banks

GENERAL SOCIETY CARD

GENERAL SOCIETY First
€ 14.90/month

Withdrawal
€ 1,500/7d

Payment
€ 3,500/30 days

  • Personalized service in agency
  • Premium insurance abroad + average payment insurance
  • Card without income condition
  • Decreased prices for the youngest
  • Optional services at preferential rates: crypto dynamics, international.

Ultim Bank Boursorama card

BNP Free Free Spirit
€ 7.10/ month

Withdrawal
2000 € / 7d (default – customizable)

Payment
€ 2500 /30 days (default – customizable)

  • Full banking offer
  • Interesting ancillary products (Emrpunt and Savings)
  • Physical agency network and ATTITIDER
  • Fairly high removal ceilings
  • No income conditions

Visa First Banque Postale

Postal Banque Visa Premier
€ 10.75/ month

Withdrawal
€ 1,500/7d

Payment
€ 3,000/30 days

  • Reduction with a set of partners (car rentals, travel, cinema)
  • Insurance and full assistance guarantees
  • Fairly high removal ceilings

�� Société Générale

Traditional French -renowned French bank. Société Générale has size arguments:

  • Investment bank
  • Wide choice of bank cards
  • Sobrio promotional pack
  • Quality Customer Service

Mainly attracting senior profiles or people with significant income, Société Générale is one of the banks that offer ultra premium bank cards such as the infinite visa:

Infinite General Societe Card

Infinite General Societe
€ 28.90/month

�� BNP Paribas

Another traditional bank, a real financial pillar in France, the French bank has more than 2,200 agencies in France. An advantage for customers who can make checks for checks and species, take advantage of the financial advice of wise experts. But the BNP Paribas is also:

  • Access to a GOLD card for free without income condition
  • A wide choice of bank card:
  • A quality interface for stock market investments, news, live markets, market points
  • Possibility of delayed debit card (on request)
  • Proposal for American Express Gold and American Express Platinum cards

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�� La Banque Postale

You are aged 18 to 29 ? Take advantage of the young postal bank pass which gives you access to a job platform, aid to pass your driving license or even make a free skill assessment. COPD also has a varied range of bank cards, from the Visa Classic card to the Visa Infinite card.

Despite fairly substantial costs, account held, costly foreign exchange operations, the postal banking has some advantages:

  • Postal agency network throughout France
  • Wide range of banking products
  • Various bank account and accessible to all
  • Quality Customer Service

�� Classification of favorite banks of the French

Among the favorite banks of the French, there are more and more online and neobanc banks. More modern, more fluid and more attractive, many French people allow themselves to be seduced by these new opportunities. We brought together the favorite banks of the French based on customer advice:

Boursorama logo

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�� Until 110 € offered

Google Play: ⭐ 4.8/5/Apple Store: ⭐ 4.9/5

  • Full offer of banking products
  • An offer dedicated to teens
  • Among the most advantageous banking on the market
  • Overdraft
  • Costs abroad, payment and withdrawals, competitive
  • Free and free income card offers without income conditions
  • An innovative mobile application
  • Promotional offers (sponsorship, welcome bonus)
  • Quick account opening, 100% online
  • Check
  • Customer service reachable by phone

�� Until 80 € offered

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

  • A fairly wide range of banking products
  • An attractive scholarship offer
  • A children’s savings book: Booklet + Children
  • Free and unlimited ephemeral virtual cards
  • Cashback with Mastercard Travel Rewards
  • Free insurance and assistance guarantees free of charge to SEPA transfers
  • Quick account opening, 100% online
  • Functional mobile application
  • Check

Google Play: ⭐ 4.5/5/Apple Store: ⭐ 4.8/5

  • Unlimited ephemeral virtual cards
  • Pocket
  • Cashback
  • Protection of tickets
  • Junior Revolut accounts
  • Customer service reachable 24 hours a day, 7 days a week
  • Interbank exchange rate

Hello Bank logo

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Google Play: ⭐ 4.6/5/Apple Store: ⭐ 4.2/55

  • Attractive rates, most daily services are free
  • Overdraft
  • Very varied product range
  • Mobile application with HELLO BANK positive reviews
  • National BNP Paribas agency network
  • A checkbook
  • Customer service reachable by phone 6d/7

Monabanq logo

�� up to 120 € offered

Google Play: ⭐ 4.8/5/Apple Store: ⭐ 4.6/5

  • Bank offers without income conditions
  • Wide range of banking products
  • Available mortgage
  • Possibility of depositing checks in CIC agency or postal shipping
  • Very responsive and efficient customer service
  • No fees in case of card inactivity

Google Play: ⭐ 3.8/5/Apple Store: ⭐ 4.8/5

  • Bank account offers without income condition
  • A free bank card offer (standard N26)
  • An intuitive and functional mobile application
  • Reduced costs, or even free on current operations on the 4 N26 account offers
  • Attractive prices on the use of the N26 card abroad: 0 € on all withdrawal costs/payments abroad on N26 You and N26 Metal offers
  • Securing bank deposits (N26 has a European banking license)

Google Play: ⭐ 4.1/5/Apple Store: ⭐ 4.4/5

  • A very large range of banking products
  • Free bank cards (Visa Classic and Premier)
  • An accessible infinite visa card
  • Low high banking costs
  • Reachable by phone 6J/7

��️‍♀️ Best bank in France: how to choose it ?

You want to change bank ? It is very easy to change bank with banking mobility, a bill promulgated in 2017 which facilitates the steps. The new bank is responsible for preventing all organizations that take recurrent samples or automatic transfers. However, banking mobility is in no way an obligation.

How to choose the Best French bank ? Our experts have met several criteria to help you choose a bank:

1. Fresh and prices

The costs and prices sometimes vary greatly from one bank to another, in order to avoid a salty bill at the end of the month, check the different possible banking costs:

  • account holding fees
  • transaction fees
  • bank card costs
  • transfer fees
  • overdraft

Compare these costs between different banks to find the most advantageous for you. Currently, this is the cheapest market stock market, elected for the 14th consecutive.

Boursorama logo

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2. Banking services

Make sure that the Chosen French Bank Offers the services you may need: credit offer, student loans, international transfers, checks, online services (current operations, calling an emergency advisor), ergonomic and fluid mobile application.

3. Investment products

If you want to invest, find out about investment possibilities: PEA, PEL, LDDS or Stock Establishments and ETF. For those who have knowledge in investment and/or in the financial markets, you can invest without going through an advisor within a traditional bank. Create an account and invest directly in the Trade Republic application.

4. Financial solidity

Not all banks are created. If you prefer a bank that enjoys a strong reputation and reassuring seniority, favor a traditional bank with a solid background and notoriety which is no longer to be done like Société Générale for example.

SOCIETE-GENERAL LOGO

5. Advantages and awards

In order to attract more customers, online banks almost systematically offer a welcome offer ! Banks sometimes offer up to € 170 of welcome offers for the simple account opening. This is the case of Bourse Bank which offers up to 110 € for the opening of a first account.

Boursorama logo

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6. Technological innovation

With the arrival of neobancs, new digital tools appear. Like Revolut with its account management tool, pockets, small money savings and the shared trunk system. These new features allow users a faster and more pleasant management of their finances.

Consult the comparison of Jchange 2023 to see all the banking opportunities on the market. Price Benefits, Ceiling Insurance and Welcome offers ! The Jechange experts have passed all the offers to the comb end.

��‍♀️ All about the best French banks:

�� What is the best bank in France ?

Elected the cheapest French bank for the 14th consecutive year, Boursorama Banque is according to experts Jechange the best bank in France.

�� What is the most advantageous bank ?

Boursorama Banque is the most advantageous bank with its almost non -existent costs in France as well as abroad. Take advantage of 110 € offered for an opening of the Boursorama account account.

�� The offers of the moment ��

Monabanq

up to 120 € offered

Balance Bank

€ 100 offered with the BRS100 code

Fortuneo logo

€ 230 offered with the FTN0923 code

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