Neobanque: who are the best mobile banks in 2023

✔️ Current account
✔️ Junior account
❌ Joint account
✔️ Pro account
✔️ Savings
✔️ Crypto-monnaies
❌ Immal credit and personal loan
❌ Stock market

Neobanque: comparison of the best mobile banks in 2023

N26, Orange Bank, Eko, Revolut, Nickel, C-Zam: you may have already tested or heard the offer of these neobancs. These mobile banks want to revolutionize the banking system by offering complete offers, with current account and bank card and reduced bank charges.
Who are they addressed ? What are their competitive advantages ? What are their services and their products ? We tell you everything.

up to 120 € offered

Monabanq offers you up to 120 € For a first current account opening.

Boursorama Banque offers you Until 100 € For very first account opening.

Up to € 230 offered

Fortuneo offers you up to 230 € For a first account opening.

Which neobank to choose ? Our classification of mobile banks in 2023

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✔️ Standard revolut card: 0 €/month
✔️ Revolut card Plus: € 2.99/month
✔️ Revolut Premium card: € 7.99/month
✔️ Revolut Metal card: € 13.99/month

✔️ Current account
✔️ Junior account
❌ Joint account
✔️ Pro account
✔️ Savings
✔️ Crypto-monnaies
❌ Immal credit and personal loan
❌ Stock market

✔️ Unlimited ephemeral virtual cards
✔️ Bonus: Pockets + Cashback
✔️ Free account with French RIB open in a few minutes
✔️ Efficient tools for budgeting and expenditure analysis
✔️ Discounts and cashback on major brands (Nike, Amazon, Adidas, etc.)).
✔️ withdrawals and payments abroad free of charge and at the real exchange rate, within the limits of your subscription

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✔️ Standard N26 card: € 0.00/month
✔️ N26 Smart card: € 4.90/month
✔️ N26 You: € 9.90/month
✔️ N26 Metal card: € 16.90/month

✔️ Current account
❌ Teen account
❌ Joint account
✔️ Pro account
❌ Savings
✔️ Real estate credit and personal loan
❌ Stock market

✔️ Bank account offers without income condition
✔️ A free bank card offer (standard N26)
✔️ an intuitive and functional mobile application
✔️ A virtual card available

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✔️ Nickel card: € 1.95/month
✔️ My Nickel card: € 1.95/month
✔️ Nickel Chrome card: € 4.20/month
✔️ Nickel Metal card: € 8.30/month

✔️ Current account
✔️ Teenage account
❌ Joint account
❌ Pro account
❌ Savings
❌ Immal credit and personal loan
❌ Stock market

• Offer for teens or for spending people who need limits
• Network of tobacconists and nickel points
• Telephone line

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✔️ Standard card: 0 €/month
✔️ Premium card: € 7.99/month
✔️ Premium pack: € 7.99/month For 3 months then € 12.99/month

✔️ Current account
✔️ Teenage account
❌ Joint account
✔️ Pro account
✔️ Savings
✔️ Real estate credit and personal loan
✔️ BOURSE

✔️ Bank costs among the most advantageous on the market
✔️ Cashback on orange equipment
✔️ Discovered authorized

• Original card: € 2.90/month
• Ideal card: € 6.90/month

✔️ Current account
✔️ Teenage account
❌ Joint account
❌ Pro account
❌ Savings
✔️ Real estate credit and personal loan
❌ Stock market

• Opening in a practical post office
• Offer for the whole family
• Interesting cashback

✔️ Lydia: 0 €/month
✔️ Blue Lydia: € 4.90/month
✔️ Black Lydia: € 7.90/month

✔️ Current account
❌ Teen account
✔️ Joint account
✔️ Pro account
✔️ Savings Remunerated Booklet
✔️ Microcredit: Small express loan
✔️ BOULE: Cryptomonnaies offer

✔️ Lydia Visa Virtual Cards
✔️ Cashback
✔️ 100% of transfers are instantaneous
✔️ Lydia roulette: refund of a transaction every hour

Banks classified according to our criteria. Updated data in September 2023

N26

The German neobank N26 claims 5,000 admissions each week at the start of 2018, for a customer portfolio estimated to 200,000 open accounts (60 % of customers are between 18 and 35 years old). The standard N26 offer is free, while its premium N26 You, dedicated to travelers’ offer, is billed at € 9.90 / month.

The high -end offer of N26, which is distinguished from the classic offer with its Black Mastercard that has become N26 You, its insurance and assistance guarantees, its free cash and foreign currency withdrawals, has attracted a quarter of Neobanque customers. Professionals can also take out the free N26 Business offer subject to the use of payment means (Business Mastercard). Finally, it is possible to request a consumer credit solution thanks to the partnership established with Younited Credit.

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

❌ Instant transfers only between accounts N26
❌ Absence of banking agencies in France
❌ Customer service available almost exclusively online (chat, social networks, e-mail)
❌ Only paid N26 account offers have access to telephone assistance
❌ High withdrawal fees on DABs in France (€ 2/withdrawal) beyond the free withdrawal quota
❌ Financial products limited to consumer credit
❌ No diverse savings products (booklets or life insurance) or stock market investments

Updated data in September 2023

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Revolut or N26 ? Between Revolut and N26, which mobile bank offers the best offer ? Discover our comparison of Revolut and N26 offers for more information.

Orange Bank

THE Orange Bank current account is free under condition of use of the Visa Classic bank card (3 operations per month). In the event of non-compliance, the mobile bank has its services 5 €/ month. Orange Bank takes a 2 % commission from the amounts withdrawn or paid into foreign currencies. On the other hand, it stands out by allowing the sending of a checkbook and the overdrafts. Indeed, Orange Bank is a payment institution that recovered the bank approval at the time of the acquisition of Groupama Banque.

Orange Bank won over 500,000 customers, mainly users who have subscribed to the mobile phone service and who have benefited from a particularly advantageous welcome offer. Orange Bank has just launched his Premium offer at € 7.99 per month and already markets a solution to Consumer credit based on its Djingo artificial intelligence system to boost its digital services. Orange Bank also received the 2018 Trophy for the innovation of the bank card, acclaimed by its high degree of personalization.

✔️ An offer dedicated to families
✔️ Bank costs among the most advantageous on the market
✔️ Discovered authorized
✔️ Foreign costs, payment and withdrawals, competitive
✔️ A free bank card offer
✔️ an innovative mobile application
✔️ Promotional offers (welcome bonus)
✔️ Cashback
✔️ Quick account opening, 100% online
✔️ Customer service that can be reached 24 hours a week

❌ Systematic authorization cards
❌ Restricted annex product offer
❌ Restricted current account offer
❌ Fees abroad (standard)
❌ No joint account

Updated data in September 2023

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Bunq

Established in France since November 2018, Bunq is a neobank of Dutch origin. Bunq offers An offer similar to that of N26, Revolut, Orange Bank or Lydia, except that she does not really offer a free offer. There is a free offer, but it is very limited and little highlighted by Bunq; So that Bunq Premium actually constitutes the standard offer of Bunq and is very similar to standard offers of N26 and Revolut, apart from the cost.

If Bunq seems more expensive than its competitors due to the lack of a free full offer, the neobank seeks to stand out for innovation and simplicity. Bunq claims the fastest market opening on the market and a “1,000 functionalities” mobile application. Bunq also stands out for its limited costs abroad, in particular thanks to the mastercard exchange rate and the absence of a commission for the first 10 cash withdrawals of the month.

Finally, with “freedom of choice”, Bunq offers an interesting option for customers looking for transparency: since the application, it is possible to Choose in what types of assets the bank will invest the deposits.

Bunq’s advantages:

• A simple account opening
• With the BUNQ pack, possibility to benefit from a premium account and a business account at the same time

Bunq’s drawbacks:

• An offer that remains expensive
• A platform whose use may seem complex

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Nickel

Renamed Nickel in April 2018, the ex-Nickel counts 880,000 open accounts. Its offer is simple: a bank account, a bank card and a RIB, all for € 20 / year. Nickel was bought by BNP Paribas in the summer of 2017. This bank without bank is characterized by its marketing method which involves a network of approved tobacconists across France. The subscription is made in 5 minutes, without income condition, domiciliation requirement and possibility of contracting a banking overdraft.

Exchange commissions during payments or withdrawals in currency are free. Nevertheless, the customer is withdrawn 0.50 € from each removal in cash from a tobacconist and € 1 in an ATM. Nickel surfs its success and now wishes to open up to other audiences by taking an interest in high -end bank cards. In May 2018, she launched Nickel Chrome for € 30 / month, a card dedicated to travelers and tourists, equivalent to the Gold Mastercard or the Visa Premier.

• Accessible to banking prohibitions
• No income condition
• Teens
• Quick and easy account opening
• Network of tobacconists and nickel points
• Personalizable cards
• Accessible to 190 passports

• No premium insurance
• No additional banking offers
• Reloading by paying and capped bank card
• High banking fees
• No authorized overdraft

Updated data in September 2023

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Eko by Ca

Eko by Ca is the mobile bank of Crédit Agricole. The main advantage of this neobank is therefore to be backed by the very large network of agricultural credit agencies: the client Eko by Ca can Make withdrawals at no cost in all network distributors and above all Make an appointment in agency To solicit his bank advisor or Place checks or species. Eko is the only neobank with agency.

For 2 € per month, EKO gives access to a very complete offer: a International Mastercard Without discovered, a checkbook, and access to the MA bank application to manage its accounts. Eko by CA’s offer is without income conditions, and a minimum deposit of only € 20 is required to activate the account. Eko by Ca offers a Perfect synthesis between the mobile bank and the traditional bank.

✔️ A low price offer
✔️ Standard mastercard insurance abroad
✔️ Physical agency and advisor
✔️ SMS alert service included
✔️ Checkier

❌ Single offer
❌ No authorized overdraft
❌ Restrictive payment and withdrawal ceilings
❌ No Google Pay mobile payment
❌Frais on currency payments

Updated data in September 2023

Helios: the new Mobile Bank 100% Green Opinions to Ecolo, Helios is a new neobank which is distinguished by its eco-responsible project. Helios’ promise: your money finance of ecological projects Instead of fossil fuels. To find out more, discover our guide on the Ethical Neobanque Helios !

What is a neobank ?

A neobanque is a new generation bank, often Fintech from, which interferes on the banking market by offering a specific offer on which neither traditional banks or online banks have been positioned. They combine technological skills with finance to facilitate customer journeys. This is why they are also called mobile bank, because the subscription and customer relations are mainly carried out around a smartphone and a mobile application.

The nuance between neobank and mobile banks The distinction is very fine: it concerns the exclusive use of the smartphone both for subscription and for management. The term “neobank” is more general, encompassing mobile banks and new fintechs. Revolut present that on smartphone is a mobile or neoban bank. N26 or Orange Bank offers both a mobile application and an interface (customer area) accessible from your computer, so they are rather neobancs. Regarding nickel, distributed by tobacconists or in local stores with management on application, it is more like a neobanque.

A current account, a bank card and a mobile app

A neobank is also named mobile bank Or digital bank since all operations are dematerialized and controlled from a smartphone. For most of a banking establishment or payment establishment license, neobanks develop following two market trends: customer mobility, pending more connected banking solutions and the development of technological tools.

Néobanques are more accessible and closer to their customers. Their services are set up for Simplify the daily life of users thanks to An ergonomic mobile application, displaying useful features to manage your budget and daily expenses.

• Currently, 100 % digital banks formulate offers including:
• a bank account without barrier at the entrance (no income or domiciliation condition). The subscription takes only a few minutes and all the supporting documents are transmitted online (by scan or photographs);
• a credit card, MasterCard or Visa, linked to the current account. This payment means makes it possible to make money withdrawals from ATMs (DAB) and to pay shop or online purchases;
• A mobile application, The only interface which is the front door to manage its bank accounts 24/7. The smartphone application brings together all the features developed by the neobank.

What differences between online banks and neobancs ?

Online banks provide an offer fairly close to that of neobanques by focusing on agility and flexibility. We can remember three differences:

1. Online banks were first designed for a computer, neobancs for a smartphone : hence a delay on the mobile apps of online banks and the backed features.
2. Online banks belong to large traditional banking groups. The neobanques, for the time being, remain independent (N26 and Revolut) or emanate from large groups other than banking (Orange Bank, C-Zam with Carrefour Banque). Nickel and Eko by Ca, held respectively by BNP Paribas and Crédit Agricole, are the exception that confirms the rule.
3. Neobanques are often payment establishments, while online banks are credit institutions. Payment institutions cannot offer a complete authorized overdraft banking offer, savings products (booklet, life insurance) or consumer or real estate credits, on behalf of. However, this difference tends to fade, more and more numerous banks are recognized as a credit institution.

Neobanque: what services ?

To develop their customer acquisition strategy, neobanques are based on a simple offer and accessible to all, but especially on services that “speak” to their customers.

Among the services of mobile banks, the customer can in particular ::

• View the situation of your account in real time;
• Use a tool for categorizing its expenses: statistics, addition of photos related to expenses, budgeting and cap, etc.
• Connect to your space by your smartphone, tablet, desktop computer or connected watch.

The neobancs also deliver many services around the means of payment::

• the possibility of making transfers without IBAN directly with an email address or a telephone number;
• Contactless mobile payment (iPhone, Android, etc.);
• the opening of several accounts in different currencies;
• free payment by card in currency;

Neobancs: and security ?

In order to operate safely in the face of flight or hacking, neobanques develop services such as:

• the blocking and instant unlocking of the bank card;
• Change the PIN code of the bank card;
• biometric recognition by fingerprints;
• compatibility with the 3-D Secure security system;

Advantages and disadvantages of a neobank

• Innovative features on the mobile application
• A free bank card and an ultra-competitive tariff grid
• The simplicity of the account opening, in a few minutes, without income condition, without commitment.

• Overdraft : generally unauthorized
• Collection of checks and species : Impossible to deposit it on the account
• Customer service : sometimes reduced to a conversational agent (chatbot).

Neobanque: who are the best mobile banks in 2023 ?

Néobanques or mobile banks are a new generation of financial institutions offering a bank account offer (current account + bank card + mobile application) accompanied by innovative services which allows them to manage their budget at a distance. Who are the best neobancs on the market among my French Bank, N26, Orange Bank, Lydia or Nickel ? Decryption of comparabanques on the best offers of mobile banks in 2023, their main advantages and disadvantages.

⚖️ Comparison of neobanques in France

Comparabanques delivers his selection 2023 of the best neo-banks Available on the market for individuals. This comparative table of Best offers from mobile banks is followed by a detailed analysis of the main points to remember for Choose the neobank most suited to his needs.

• Standard revolut card: 0 € per month
• Reverse card Plus: € 2.99 per month
• Premium revolut card: € 7.99 per month
• Metal revolut card: € 13.99 per month

• Without income condition and minimum monthly payment
• Free withdrawals in euros up to € 200 (up to 5/month)
• French IBAN
• Free payments euro zone and excluding euro zone
• Zero exchange costs up to € 1000/month

• Standard N26 card: € 0.00/month
• N26 Smart card: € 4.90/month
• N26 You: € 9.90/month card
• N26 Metal card: € 16.90/month

• Without income condition and minimum monthly payment
• Free withdrawals in euros (up to 5/month)
• German iban (de)
• Free payments euro zone and excluding euro zone
• Payment security 3 of secure, mobile payments (Apple Pay and Google Pay), contactless payment.

✔️ Original card: € 2.90 per month
✔️ Ideal card: € 2.90 per month

• Without income condition and minimum monthly payment
• No fees abroad
• French IBAN
• Payment security 3 of secure, mobile payments (Apple Pay and Google Pay), contactless payment.

• Nickel card: 20 €/year
• My Nickel card: € 22.50/year
• Chrome nickel card: € 50/year
• Nickel Metal card: € 100/year

• French IBAN AND RIB
• deposits of species authorized in a tobacconist or nickel point;
• payment in several times (subject);
• debits ;
• Nickel mobile application and online account.

• Lydia Discovery: 0 €/month
• Blue Lydia: € 4.90/month
• Black Lydia: € 9.90/month

• Without income condition and minimum monthly payment
• No fees abroad
• French IBAN
• Payment security 3 of secure, mobile payments (Apple Pay and Google Pay), contactless payment

• N26 is a mobile bank of German origin, with growing success in France (+1 million customers) and worldwide ( + 5 million customers), mainly due to its headline account offer + bank card + mobile application, Without income conditions and without deposit. 4 bank account offers (N26 Standard, N26 Smart, N26 You, N26 Metal) are marketed in France, with low banking prices and each adapted to a consumer profile: from the daily bank to the traveler’s bank “globe-trotter”. The N26 mobile application is particularly acclaimed by customers for its ergonomics and intuitiveness. Consult our guide listing all customer and expert opinions on N26;
• Nickel is the first neo-banque in France to market a bank account offer + bank card + mobile application + French RIB. Three account offers, Nickel, Nickel Chrome and Nickel Metal, are available for all individuals and can be subscribed online or directly from a tobacco office. The attractiveness of its banking costs and its particularly advantageous accessibility conditions, make it the most interesting bank for an audience on the sidelines of the banking system (banking prohibitions, minor people);
• Orange Bank is the mobile bank branch of the historic telephony operator. The neobanque markets 2 current account offers (Orange Classic and Orange Premium) and one Premium banking pack for families (1 bank card for a parent and up to 5 “child” bank cards with systematic balance). Like Nickel, Orange Bank stands out from other neobancs thanks to the presence of its network of orange stores available for the opening of an account and the management of certain banking operations.

✍️ N26, Nickel and Orange Bank: our opinion at Comparabanques

N26, Nickel and Orange Bank are the three best mobile banks for comparabancs experts, the detailed analysis of which is the main characteristics of the bank account offer: the mobile application, bank charges and options, offered by 3 neobancs of the classification.

Mobile applications of French neobancs

The mobile application is an essential element for a mobile bank, management of the current account and payment means being carried out exclusively by this digital channel. The comparison of the main features (account management, safety and advantages +) of Mobile applications distributed by the 3 neobancs – Nickel, Orange Bank and N26 – is therefore an essential point of comparative comparison.

Our opinion on the applications of neobanques at Comparabanques: Nickel, N26 and Orange Bank applications are all three, ergonomic and intuitive. However, they have distinct and innovative features for certain.

N26 and Orange Bank applications have many common points for individuals who want to manage their expenses as close as possible. On this point, they include all features expected to manage your daily budget : real -time balance monitoring, SMS notifications, modification of payments/withdrawals, etc. The “Spaces” functionality of N26 allows you to manage your budget by categorizing different spending stations, and even to put money aside by saving on a kitty. The Orange Bank app also offers this service. Complemented by graphics and statistics, this feature can be essential for certain customers having difficulty balanced their money entries and exits.

There security is an important point for any banking mobile application, N26 and Orange Bank leave nothing to chance on this point, since several very useful features are available in the event of loss/theft of its payment card (opposition on the bank card, blocking/unlocking mobile payment, activation/deactivation of payment without contact, blocking/unlocking payments in France or abroad, etc.)).

The Nickel application is also efficient and ergonomic. Individuals can manage their account on a daily basis via many intuitive features, similar to those of N26 and Orange Bank (modification of the withdrawal of withdrawals, management of SMS notifications, carrying out current banking operations, etc.)). Account safety is well taken into account by the application via different functions available (card blocking in the event of loss/flight, modification of the card PIN code, etc.)). In short, a good bank application for all individuals and more those with irregular income. Discover the opinions on Nickel, the BNP Paribas Neobanque.

Comparison of bank charges for neo banks

• in the euro zone: Free ;
• Excluding euro zone: € 1/payment (classic nickel) and Free (Nickel Chrome and Metal);

• DAB EURO zone: 5 free withdrawals/month
  Then 2 €/withdrawal;
• Dab excluding euro zone: 1.7 % on the amount.

• DAB in France and Euro zone: € 1/withdrawal;
• At a fellow partner: € 0.50/withdrawal;
• Dab excluding euro zone: € 2/withdrawal (nickel card) – € 1/withdrawal (chrome nickel card)
• Free With Nickel Metal

• by bank card: 2 % of the amount of the deposit;
• By deposit of cash in a fellow partner: 2 % of the amount of the deposit;
• Wire Transfer : Free ;

Our opinion on the banking costs of neobanques at Comparabanques: The banking costs of neobanques are renowned for their attractiveness, compared to those practiced by traditional banks. Nevertheless, a certain vigilance is essential on certain current operations, because if the majority of the costs relating to account management are reduced or even free (subject to making them via the mobile application), on the other hand the mobile banks generally apply high costs on withdrawals, payments and transfers. Payments are for example, free in the euro zone at N26, Nickel and Orange Bank; Which is not the case abroad for Nickel and Orange Bank, which apply commission costs to each payment.

Orange Bank is doing well on withdrawals, free and unlimited in the euro zone, while N26 limits its free withdrawals to 5/month then invoices 2 €/withdrawal. Ditto for nickel, which applies costs of € 1/withdrawal in the euro zone and € 2/withdrawal excluding the euro zone, except for its Nickel Metal offer ! Consult all opinions on Orange Bank, feedback from customer and comparabanque experts.

We thus note that the bank charges of a neobank can increase rapidly depending on the frequency of use of the current account. So be careful to compare the offers present on the market.

Comparison of services offered by mobile banks

• via online customer support;
• via the N26 application “my account” section;

• By phone for customers at ☎️ 01 76 49 00 Monday to Friday from 8:30 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m.;
• Via the contact form available on the Nickel website;
• via Twitter and Facebook profiles;
• via the Nickel Help Center.

• Insurance of means of payment
• Travel and assistance insurance from the Premium account

Our opinion at Comparabanques on the services and products of neobancs: Customer service of mobile banks is generally, exclusively online. This is also a main characteristic of a neo-banque where the simplicity and practicality of current account offers allow autonomous management by the customer. However, some of them can offer a “premium” customer service with a dedicated phone number, like Nickel. A real plus to put the “bank for all” to credit.

On the side of annexed products, mobile banks as payment statements, are not empowered to market savings or credit products. N26 and Orange Bank are exceptions to this rule, since these two mobile banks each offer a personal loan financing product. Orange Bank customers can also save and grow their capital via the Orange Bank booklet. Another advantage of the bank of the telephone operator, the provision of a checkbook, an alternative means of payment which is lacking in the majority of neobancs.

�� Why choose a neobank to open a bank account ?

A neo-banque are distinguished from other conventional banks and online banks by their specific and innovative services. COMPARABANQUES DECRYPTING.

Mobile banks and their services: a account + a bank card + a mobile application

A neobank or mobile bank is a 100 % digital payment establishment offering an innovative bank and technological tools offer to facilitate daily management. This type of bank is experiencing growing success in France, in particular through the attractiveness of their bank charges, their accessibility conditions, as well as the easy handling of their account management tools.

Most of the offer of a neobank is based on:

1. A accessible bank account without income condition nor request for banking domiciliation of its income. The opening of the account is quick, without having to send many supporting documents;
2. A intuitive and ergonomic mobile application. All of their services are based on a mobile application whose intuitive and ergonomic features make it a user experience model. The individual thus pilots his current account independently by carrying out all the banking operations necessary for his daily life;
3. A Mastercard or visa bank card associated with the current account to carry out all its banking transactions in France and abroad.

Neo -bank: the advantages and disadvantages of a mobile bank

• Reduced banking costs on most common operations;
• an ergonomic and intuitive mobile application with innovative features;
• a bank account associated with a free bank card;

• mainly available banking and financiers (savings booklets, life insurance, scholarship, credits and checkbook);
• a bank account without an overdraft authorization;
• online customer service;

Neobanque and online bank: what are the differences ?

Very often confused by individuals, online banks and neobanques have different specificities in their banking service offers as well as in their additional services.

First, a online bank is a banking establishment backed by a traditional bank (Boursorama Banque is a subsidiary of Société Générale and Bforbank an independent division of Crédit Agricole). Online bank is the 100 % digital version of a network bank. A neobank is an independent payment organization generally belonging to any banking group.

A online bank has a more extensive catalog of financial and banking products than a neobanque. In fact, we can even say that the majority of online banks offer products similar to those of a classic bank (savings, credit, life insurance, etc.)). Nevertheless, this point of differentiation tends to fade with the N26 and Orange Bank exceptions offering financing and savings products.

On the other hand, on the management and management side, online and neobank banks are elbow with mobile applications with a series of intuitive features.

�� Choose a neo-banker according to his profile

The arrival of neobanques is a small revolution on the banking services market and an opportunity for many individuals looking for an accessible account offer. However, Open an account in a neobank does not correspond to all consumer profiles.

It is essential to assess your needs and the way you will use your current account. Certain services or banking operations are not typical services offered by neobancs:

• The provision of a checkbook as an alternative payment method;
• species of species in physical agency;
• A bank card without an overdraft authorization, and not accepted in certain businesses (parking, tolls, service stations).

On the other hand, mobile banks allow part of the excluded population of the banking system to access an account solution + bank card at a lower cost and without any income condition. Persons in banking prohibitions, minors in search of financial independence as well as people with unstable income can count on the banking solutions of neobancs.

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