• Metal card without income conditions
• Withdrawals in France and on free trips abroad
• Travel insurance abroad
• Rib fr
• Nickel Opening

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

There Nickel Metal card is here Nickel’s most upscale bank card

With Nickel Metal, there neobanque placed on a luxurious map As an elegant design, like the Black Card offers that we find in classic banks. For € 100 per year, the Metal client will benefit from free operations in France and abroad and a insurance cover worthy of a gold card !

Nickel Chrome or Metal ? THE 2 premium offers from the neobank offer rather similar banking services. So which offer to choose ? L’Chrome offer is ideal as a daily card And will also suit occasional travelers, while the metal offer will be adapted to more regular travelers or to people looking for an affordable metal card. L’Metal offer ultimately brings few additional services who justify such a price difference, such as Ultra Premium Services Included with classic black cards.

�� Choose the nickel metal card

�� Order my personalized nickel card

Here are the steps to follow to Order and activate your nickel card ::

• Connect from your Nickel application Or your web customer area
• Click on “Card” then “our offers” and “My Nickel
• Select the desired model from the 5 colors offered

Postal address make sure to update your postal address before Order your nickel card.

�� Activate my nickel card

From your nickel application:

• Connect to your customer area, then click on “I activate my card”
• Know your 10 -digit identifier on the back of your My Nickel bank card and click “Validate”
• Then enter your new 6 -digit bank access code
• Enter the security code received by SMS then click on “Validate”
• Your My Nickel bank card is then validated !

How long to receive my chrome nickel card ? Your Nickel Chrome card is sent within 15 working days. If you have not received your card once this time has passed, Nickel gives you a free card to your home. If you prefer, Open your Nickel account In one of the 7,000 points of sale in France.

What are the ceilings of nickel cards ?

THE Nickel cards ceilings are categorized by default when you Open a nickel account. Thereafter, you can Access the upper ceiling levels If you meet these two conditions:

• The amount already spent over the period + Your current balance must exceed the amount of your current ceiling
• Have a Nickel card active for at least a month

here are the valid ceilings for all nickel card offers ::

• Default limits: 300 €/7 calendar days
• Level 2 limits: 600 €/7 calendar days
• Level 2 limits: € 1,000/7 calendar days

Updated information in August 2023

✍️ Nickel cards insurance

Like many high-end cards, THE Nickel chrome and nickel metal bank card offers include a whole range of credit card and interesting assistance insurance, which allow customers ofbe covered by traveling, but also in their daily life.

Updated information in August 2023

⚖️ Nickel cards: what advantages and disadvantages ?

• Offers accessible to all: 190 accepted passports
• Without income conditions or outstanding
• French RIB
• 3 bank card offers
• Simple and quick account opening
• Online subscription or a partner tobacconist
• Email and SMS alerts
• Contactless payment
• Modifiable payments/withdrawal ceilings
• Check and cash deposit
• Young offer from 12 years old
• Online customer service or by phone

• No premium insurance
• No savings products or credits
• Reloading by paying and capped bank card
• No checkbook or check
• No authorized overdraft
• High banking costs on withdrawals and cash deposit

If the neobank combines the strengths, these 3 main advantages of nickel to remember ::

• Offers accessible to all : Nickel offers are indeed accessible to everyone, banking prohibitions and people in a bank fragility.
• An online or physics account opening : a boon for people who are not comfortable with computer science or who do not have access to a computer/smartphone.
• Customer service that can be reached by phone : where all the neobancs have bet on a chatbot or, at best, an email address, Nickel provides its customers with a telephone number available from Monday to Saturday.

But the neobank also knows some weak points that it is important to take into account, and in particular:

• No possible overdraft : an option to activate the authorized overdraft would have been appreciable for Chrome and Metal offers.
• Paid current operations : Nickel makes all its current operations pay, or almost, according to the card chosen by the customer. Prices that quickly increase the bill.

⭐ Nickel cards review: what do customers think ?

On the customer side, nickel opinions are mainly positive even if negative comments tarnish the table. Nickel collects an average of 2.9/5 on the Trustpilot review website, A note to be nuanced when you know that the most unhappy are often the most tellabid.

Nickel customers appreciate the ease of account opening and autonomy management via theNickel mobile application. Many comments also highlight the quality and responsiveness of customer service, which they can easily reach easily by instant messaging.

Very well opening of quick account for my son, I have been even there for several years and nothing to say. I received a call from an advisor to inform me about accounting, no one very pleasant and attentive. THANKS

Trustpilot reviews – 12/06/2023

Customer since July 2014 when I was banned banking, my nickel account allowed me to manage my budget better, to no longer be in the open and the costs are much lower than a basic bank. It has become my main account and I am happy, I have never had a problem and I wish Nickel long life !

Trustpilot reviews – 05/29/2023

Of many negative comments fall under blocked and sometimes closed accounts for no apparent reason. Customers complain of a customer service that is too slow to react and the lack of responses to their requests.

Problem as soon as it is opened on my account title, it took more than a dozen calls and forms before rectifying and ordering my nickel card (more than a month)

Trustpilot reviews – 04/20/2023

�� FAQ Nickel Card

☑️ How to subscribe to a nickel bank card ?

For Subscribe a nickel card, you have 2 options ::

• Subscribe to an online nickel card from the Nickel site;
• Go to a fellow partner.

If you opt for theonline opening, You will have to go to the tobacconist to buy the Nickel box with your validation code.

Subscribe to a chrome or metal offer to subscribe to a chrome or metal nickel offer, you must Being a classic nickel client. Indeed, these offers are only Reserved for Nickel customers. Once your account Classic nickel is open, you can do the Chrome nickel card or nickel metal card with your tobacconist or directly online from your customer area.

✋ How to oppose my nickel card ?

If you think you have been victim of a bank fraud or if your card has been lost or stolen, You must oppose as quickly as possible. For this, you can:

• Opposition your card from your online nickel customer area or on the mobile app;
• Call Nickel customer service to ☎️ 01 76 49 00 then make the number 1 choice twice;
• Call the opposition center in ☎️ 01 76 49 48 10.

�� What documents to open a nickel account ?

For Open a nickel account, You need a ID Valid (passport, national identity card, residence permit issued by a French authority). No proof of domicile or income is required.

�� Can I pay in several times with my nickel card ?

It is possible to Pay in several installments with the nickel card, However, this is not recommended by the neobank. Payment in several times is at the good will of the merchant. It is therefore free to accept or not that you can settle in several times. Today, Many traders refuse payment in several times with nickel cards Because they cannot make sure that the balance will be sufficient for the next payments.

THE cash payment is therefore strongly recommended by Nickel.

�� How old to have a nickel card ?

The nickel card is Accessible from 12 years old with the young nickel offer. From 18 years old, The customer can subscribe to a classic nickel offer, chrome or metal according to their needs.

Nickel in detail: how to open an account ? What are the offers ?

From 20 €/year, Nickel allows you to have a current account with a RIB and a bank card, all without income condition and including for people in banking. The opening of an account and recharging the nickel account are carried out with partner or online tobacconists. Selectra tells you more about the nickel account offer !

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

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

Welcome offer: ❌

Google Play: ⭐ 4.1/5
Apple Store: ⭐ 3.9/5

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

❌ No categorization of expenses
❌ Paying PIN code by SMS in case of forgetting (€ 1)
❌ Regular bugs of the application

Updated data in September 2023

The nickel account, what is ?

THE nickel account is a banking offer that results from a partnership between the financial payments financial (FPE) and the Confederation of French tobacconists. The idea: marketing a bank account without a bank and without barrier at the entrance.

The nickel account includes ::

• A MasterCard payment card, to systematic authorization and without overdraft authorization
• A bank account, To be recharged by receipt of a transfer, by deposit of species with a partner tobacconist, or online.
• A French RIB, To receive transfers, regular or not, or authorize samples.

For Open a nickel account, Just buy the opening box (€ 20) from one of 4,500 partner tobacconists and then follow the instructions, or to open the account online or via the application.

Want to learn more about Nickel’s mobile banking offer ?

Nickel offers: our opinion

Nickel presents the main advantage of the ease of account opening and management. These can be done online from the customer area or with a fellow partner. Here is what the nickel account offers are made up, and our opinion on each of them.

Reviews on the classic nickel account at 20 €/year

The classic nickel account is tightened around Some essential services:

• a bank account, on behalf of the holder;
• A French RIB, associated with the bank account, to receive transfers, record samples as well as to domicile its income.
• A MasterCard payment card, protected by a PIN code and a classic smart system, to pay in France or even internationally.

METAL METAL CARTE with systematic authorization

Welcome offer: ❌

Google Play: ⭐ 4.1/5
Apple Store: ⭐ 3.9/5

✔️ Banking prohibition accepted
✔️ No income condition
✔️ RIB FR

❌ Without authorized overdraft
❌ Significant banking costs on current operation
❌ Fees abroad on withdrawals and payments

Updated data in September 2023

How to recharge my nickel account ? To recharge my nickel account, several means are possible: either receive a transfer (salary, allowance, payment of a loved one), which has the advantage of being free; either specify species At an approved tobacconist (costs: 2% of the amount deposited); either feed the account by Bank card on the customer area (costs: 2% of the amount).

Nickel Chrome account reviews for 50 €/year

The Chrome account allows access to a Premium banking offer without income conditions : for 50 €/year, the chrome account gives you access to a Gold bank card insurance and free payments abroad, Even excluding the euro zone.

METAL METAL CARTE with systematic authorization

Welcome offer: ❌

Google Play: ⭐ 4.1/5
Apple Store: ⭐ 3.9/5

✔️ Banking prohibition accepted
✔️ insurance abroad
✔️ No income condition

❌ Without authorized overdraft
❌ Significant banking costs on current operation
❌ Fees abroad on withdrawals and payments

Updated data in September 2023

Opinion on the Nickel Metal account: an ultra-priemium card for all

Nickel now offers an ultra-premium offer including a resolutely design metal card with the same extensive insurance policy as Nickel Chrome.

Notorious advantage of this luxury card offer, accessible at 20+80 €/year, all operations abroad are exempt from costs, withdrawals as payment in currency or euro.

METAL METAL CARTE with systematic authorization

Welcome offer: ❌

Google Play: ⭐ 4.1/5
Apple Store: ⭐ 3.9/5

✔️ Metal card without income conditions
✔️ Removal in France and abroad free
✔️ insurance abroad

❌ Without authorized overdraft
❌ Significant banking costs on current operation
❌ No additional banking offers

Updated data in September 2023

To help you make a Nickel account reviews, We have highlighted the main advantages and disadvantages of the neobank.

• 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 September 2023

Nickel account banking costs

Nickel militates for a price transparency: the neobank has the merit of presenting a particularly clear pricing grid.

The nickel account subscription is € 20 per year. For a Chrome Nickel account, it will take 30 € more; For a Nickel Metal account, an additional € 80.

Classic nickel
€ 1.95/month

Nickel Chrome
€ 4.20/month

Nickel Metal
€ 8.30/month

Welcome offer: ❌

Welcome offer: ❌

Welcome offer: ❌

International MasterCard card with systematic authorization

✔️ Immediate debit | ❌ Delayed

International MasterCard card with systematic authorization

✔️ Immediate debit | ❌ Delayed

METAL METAL CARTE with systematic authorization

✔️ Immediate debit | ❌ Delayed

☑️ Current costs:

�� Account holding costs: 20 €/year

�� Inactive account holding costs: ✔️ None

☑️ Fraits abroad:

�� Withdrawal in euro zone: ✔️ 3 Fates/Free month in nickel point then 0.5 €/withdrawal ✔️ 1.5 € for behind in France ✔️ 1 € for behind in SEPA zone

�� Withdrawal outside the euro zone: 2 €/withdrawal

✈️ Payments abroad: 1 €/payment

☑️ Fees on payment incidents:

��️ Intervention committee: 8 €/operation – max 80 €/month

�� Authorized discovered: ❌ No authorized overdraft

�� Unauthorized discovered: ❌

☑️ Fresh on transfers:

�� Instant transfer: ✔️ Free between Nickel accounts

�� SEPA transfer: ✔️ Free

�� International transfer: Paying with partner Ria

☑️ Current costs:

�� Account holding costs: 20 €/year

�� Inactive account holding costs: ✔️ None

☑️ Fraits abroad:

�� Withdrawal in euro zone: ✔️ 3 Fates/Free month in nickel point then 0.5 €/withdrawal ✔️ 1.5 € for behind in France ✔️ 1 € for behind in SEPA zone

�� Withdrawal outside the euro zone: 1 €/withdrawal

✈️ Payments abroad: ✔️ Free and unlimited

☑️ Fees on payment incidents:

��️ Intervention committee: 8 €/operation – max 80 €/month

�� Authorized discovered: ❌ No authorized overdraft

�� Unauthorized discovered: ❌

☑️ Fresh on transfers:

�� Instant transfer: ✔️ Free between Nickel accounts

�� SEPA transfer: ✔️ Free

�� International transfer: Paying with partner Ria

☑️ Current costs:

�� Account holding costs: 20 €/year

�� Inactive account holding costs: ✔️ None

☑️ Fraits abroad:

�� Withdrawal in euro zone: ✔️ Free and unlimited

�� Withdrawal outside the euro zone: ✔️ Free and unlimited

✈️ Payments abroad: ✔️ Free and unlimited

☑️ Fees on payment incidents:

��️ Intervention committee: 8 €/operation – max 80 €/month

�� Authorized discovered: ❌ No authorized overdraft

�� Unauthorized discovered: ❌

☑️ Fresh on transfers:

�� Instant transfer: ✔️ Free between Nickel accounts

�� SEPA transfer: ✔️ Free

�� International transfer: Paying with partner Ria

Updated data in September 2023

My nickel account: how to use it ?

Load my nickel account and use the card

The nickel card is a card without authorized overdraft: the account must therefore be sufficiently loaded before any operation, otherwise the payment will be refused. The advantage of this configuration: no risk of being overdraft and of pay agios or intervention commissions.

There are 3 options to load a nickel account (beware, the first two are chargeable):

1. by reception of a transfer (salary, allowance, payment of a loved one …);
2. by species deposit, at the terminal, in an approved tobacco office;
3. By checking out by mail ;
4. by Bank card payment from customer area (provided you have another card).

The Nickel card ceiling has been modular from the Nickel application. The Nickel card withdrawal ceiling can be modulated between € 300 and € 800 per week and the payment ceiling between € 1,500 and € 5,000 per month. Cash deposits are limited to 250 € per week. Learn more about nickel ceilings.

And contactless with Nickel ? The nickel card unfortunately does not yet have contactless. It is also not possible to associate it with a mobile payment solution. So you have to be content to use it with the PIN code.

Access customer space and the mobile application

Nickel customers can follow their accounts from a Customer area accessible online or on the application .

The customer number to connect to the web customer area is to be found On the back of the Nickel bank card. Once this code is entered for the first time on the home page of the Nickel Customer area, the customer receives A secret code by SMS. The same goes for the application.

Make a transfer to my nickel account

To make a transfer to a nickel account, simply connect to your customer area, then access the “Manage your transfers” section then “make a transfer”. If the person to credit is a new beneficiary, click on “Add a beneficiary” and fill in the fields. To find out more, consult our article dedicated to transfers at Nickel.

Make a check or place a check

If Nickel does not provide checkbook, the mobile bank recently allows you to deposit checks with your tobacconist partner Nickel. Rare service with a neobank, but paying: it will take € 3 per check deposit.

How to open a nickel account ?

To open a nickel account, two options are possible:

• Go directly to a office of partner ;
• Start the online procedure then go to the partner tobacco office to finalize the account opening.

Opening of an online nickel account

It’s super fast ! According to Nickel, the procedure takes 5 minutes.

1. Go to the online form
2. Fill out the form, indicate your phone number and add a Proof of identity
3. Receive a validation code by Sms
4. Go to a tobacco office, buy the box and present your Validation code : The authorized tobacconist immediately gives you your RIB and you receive your PIN code by SMS.

The steps not to be forgotten after the opening of the Nickel account. Once your nickel account is opened, remember to confirm your postal address within 15 days, seeing SMS again on 06 33 13 48 64 The code received by way. Also remember to feed your Nickel account: you can make a first deposit of cash of € 250 for free in an approved tobacco office.

What supporting documents to open a nickel account ? To open a nickel account, it is asked to present a National Identity Card or one valid French passport. However, all the citizens of the EU, Switzerland, Norway, Iceland and Liechtenstein can also load their identity card or their passport.

Opening of a nickel account in a tobacco office

The opening of the nickel account in the tobacco office takes place in 5 fast steps:

1. Locate a tobacconist Nickel approved near you
2. Buy the box in the office : it contains the MasterCard card and allows you to pay the annual subscription;
3. Go to the Interactive terminal of the tobacco office And Follow the steps (scan of an identity document, form to be completed and validation)
4. Do Validate your membership file by the authorized tobacconist who will immediately give you your nominative rib;
5. Receive the PIN code of your bank card.

How to connect to your Nickel customer area ?

After having Created a nickel account, The customer can connect to their customer area. For a first connection to its customer area, the steps are as follows ::

• Enter the code received by SMS
• Create your 6 -digit access code

Then, when he wishes to access his customer area, the customer will only have to indicate his 10 -digit identifier on the back of his nickel card (If the customer no longer remembers it, he can send an SMS to 38063 or 06 33 13 48 64 (from the DOM)).

In the event of a problem: contact Nickel customer service

Here are the various ways to contact Nickel customer service in the event of a problem:

By phone: at 01.76.49.00.00 (Prix for a local call) Monday to Friday from 8:30 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m.

• The Nickel Forum, A real help center with answers to many questions, allows you to get answers to your main questions: https: // help.Nickel account.Fr.
• If the help of the Nickel forum is not enough, it is also possible to Contact Nickel via an online form : https: // contact.Nickel account.Fr.

On social networks: Facebook and Twitter.

By mail: to the registered office or customer service

Nickel Head office address:
Nickel
18, avenue Winston Churchill
94220 Charenton-le-Pont

Nickel Customer Relationship Address:
Nickel
11 Route de Clisson
44200 Nantes

Good to know how to set up in Loire-Atlantique since the end of 2016, the Nantes teams of Nickel count 110 employees To respond to customer requests.

Want to learn more about Nickel’s mobile banking offer ?

FAQ – Nickel account

Can I open a nickel account if I am registered in the Banque de France file ?

The main condition necessary for the opening of an account at Nickel is to reside in France. A featured banking prohibition can open a nickel account.

Is it possible to emit or collect a check at Nickel ?

For the moment, Nickel does not offer a checkbook but authorizes the deposit of check with a partner business. The service is billed € 3 per check filed.

How to access my Nickel customer area ?

Go to the Nickel site, then connect thanks to the identifiers present on the back of the card

What is the ceiling of the nickel card ?

Here are the ceilings applied to the nickel card:

• withdrawal ceilings: 300 € over 7 days
• Payment ceilings: 1500 € Over 30 calendar days (1st of the month)

Nickel offers several levels of ceiling, 3 to be exact. If you want to change the level of your ceiling, you must have a balance correspond to the sum of the new ceiling requested. You can change your ceiling from the application tab of the application or from your customer area.

What a bank hides behind Nickel ?

BNP Paribas bought nickel in 2017. BNP Paribas holds 95% of the capital, against 5% for the Confederation of tobacconists.

Images and photos: Financial copyright of electronic payments