Our 2023 ranking of the best online banks: what offer is made for you

No free offer

Comparison of the best online banks

Online bank, neobank, traditional bank … It becomes difficult to differentiate between these establishments. This is why our online banking comparator exists. It includes a synthetic table allowing to easily compare banks, a test for each of the services, as well as a series of questions and answers to determine which is the best bank of the moment.

Traditional bank

Up to 150 € offered For the opening of an account with the BRS150 code

Advantageous and transparent pricing

Very complete offer for an online bank

Guarantees and visa insurance

Numerous banking products

Very good application

Establishment of the slightly long account

Still no consideration of cryptocurrencies

No income condition requested for the basic offer
Deposit of € 50 at the opening of the account for the Welcome, € 300 for the Ultim
Be 18 or more and be able to justify your identity

Up to 150 € offered For the opening of an account with the BRS150 code

Bank cards offered

Free Welcome without income condition
Free ultim

Free conditions

Free Welcome and Ultim cards without income condition
Perform at least one transaction per month with the bank card
1.69 % costs on foreign currency transactions (on Welcome offer)
Operations carried out manually by an advisor: € 5 (free if online)
Interest rate for authorized discovery (Agios): 7 %
Interest rate for unauthorized discovery (Agios): 16 %

Exclusive / Others

Integration of its accounts to Google Assistant
Safe to automatically store its various statements (bank, EDF, taxes)

Application features

Categorization of automatic expenditure

Possibility of adding tags, notes, documents or highlighting all banking operations

Budget management with graphics in the application (Wicount)

Real -time management of his bank card (payment ceiling, contactless payment, locking and opposition)

Biometric authentication (fingerprints, Face ID)
Chatbot to ask questions about the various Boursorama services

Up to 150 € offered For the opening of an account with the BRS150 code

More characteristics

Up to 180 € offered : € 80 for any 1st account opening + € 100 in case of banking mobility

Free account

An online bank that benefits from the BNP Paribas agency network

The application is pleasant to use

Significant period between the creation of the account and receipt of the card

No cryptocurrency management

No cashback program

No income condition requested for the basic offer
Justify an income of € 1,000 for the Hello Prime offer
Be 18 or more, and be able to justify his identity

Up to 180 € offered : € 80 for any 1st account opening + € 100 in case of banking mobility

Bank cards offered

Free visa card card free without income conditions
HELLO VISA CARD PRIME 1000 €/month from € 1,000 in income

Free conditions

A basic offer accessible free of charge
Justify an income of € 1,000 or more for Hello Prime
Operations carried out manually by an advisor: € 5 (free if online)
Interest rate for authorized discovery (Agios): 8 %
Interest rate for unauthorized discovery (Agios): 18.4 %

Exclusive / Others

Species and check deposits in BNP Paribas physical agencies
Display of real -time transactions on Hello One and Hello Prime offers

Application features

Categorization of automatic expenditure, or not
Biometric authentication (fingerprints, Face ID)

Real -time management of his bank card (payment ceiling, contactless payment, locking and opposition)

Chatbot to ask questions about the various services of Hello Bank!

Up to 180 € offered : € 80 for any 1st account opening + € 100 in case of banking mobility

More characteristics

Up to € 230 offered + 100 € of vouchers offered

Free account

Bank and scholarship in the same place

Foreign currency payments (almost) always at no cost

Aging application and missing features

1st payment of € 300

The basic Mastercard offer without interest

No income condition requested for the basic offer (but income documents are necessary)

Be 18 years old and be able to justify his identity
Deposit of € 300 at the opening of the account

Up to € 230 offered + 100 € of vouchers offered

Bank cards offered

Mastercard Fosfo No income condition
Mastercard Gold from € 1,800 in net income
Mastercard World Elite from € 4,000 in net income
American Express Classic, Gold and Platinum

Free conditions

Carry out a transaction per month, otherwise 3 €
Justify a net income of € 1,800 per month for Mastercard Gold
Justify a net income of € 4,000 per month for Mastercard World Elite
1.94 % costs on foreign currency transactions (Mastercard Classic only)
Operations carried out manually by an advisor: € 5 (free if online)
Interest rate for authorized discovery (Agios): 7 %
Interest rate for unauthorized discovery (Agios): 16 %

Exclusive / Others

Very comprehensive scholarships and investments
American Express cards
Real -time transactions display on the Fosfo offer
Personalization of the CB confidential code

Application features

Virtual bank cards
Location of ticket distributors
Payment ceilings management and bank card opposition

Up to € 230 offered + 100 € of vouchers offered

More characteristics

10 euros offered for Frandroid readers

The very practical “Top Up” system for travel

Very supplied application

Accessible without income condition

Corned withdrawals with fresh beyond

Systematic authorization cards

Be 18 or more and be able to justify your identity
Have an iOS or Android phone compatible with the Revolut application

10 euros offered for Frandroid readers

Bank cards offered

Free conditions

Free accessible without conditions
€ 200 free/month withdrawing, then commission of 2 % on each withdrawal

Exclusive / Others

Add money to your account instantly with another bank card
Instant transfer to other revolut users
Purchase of cryptocurrencies and shares (US) from the application

Application features

Categorization of automatic expenditure
Virtual “chests” to put money aside
Biometric authentication (fingerprints, ID side, etc.))

Real -time management of his bank card (payment ceiling, contactless payment, locking and opposition)

Corporate exchange rate monitoring

10 euros offered for Frandroid readers

More characteristics
Traditional bank

80 € offered + Sobrio card at 1 €/month for 12 months

An offer rich in services (insurance, various bank cards, international options)

An efficient cashback system

A very complete application.

… but to questionable ergonomics

No free international payments and withdrawals

Tedious account

The little interesting kapsul offer

No income condition requested
No minimum deposit requested at the opening of the account
Be 15 or more and be able to justify your identity

80 € offered + Sobrio card at 1 €/month for 12 months

Bank cards offered

Kapsul visa card € 2/month
SOBRIO VISA EVOLUTION 7.20 €/month card
SOBRIO VISA CLASSIC CARD 7.90 €/month
SOBRIO VISA Map First € 14.90/month

Free conditions

Paid bank: from € 2 per month
Interest rate for authorized discovery (Agios): 5.96 % minimum
Interest rate for unauthorized discovery (Agios): 21.04 % maximum
Minimum lump sum of agios: € 7 per quarter
2.70 % costs on foreign currency transactions ( + € 3 per withdrawal and + € 1 per payment)

Exclusive / Others

Possibility to open an account in an SG (Société Générale) agency

International option (from € 10/month without obligation) to avoid transaction costs on currencies

Agios exemption package at € 2.50/month
Insurance included in the formula

Application features

Real -time management of his bank card (payment ceilings, contactless payment, locking and opposition)

Categorization of automatic expenditure
Biometric authentication (fingerprints, Face ID)
Location of nearby ticket distributors

SG (Société Générale)

80 € offered + Sobrio card at 1 €/month for 12 months

More characteristics

Up to € 80 of premium at the opening of an account

Quick and efficient online account opening

Free account

A very complete financial service offer

Obligation to justify an income of € 1,200 monthly net

Only Apple Pay Côté Mobile Payment

Justify an income of at least € 1,200 monthly net
Deposit of 150 € at the opening of the account
Be 18 or more and be able to justify it with valid identity documents
Have another bank account

Up to € 80 of premium at the opening of an account

Bank cards offered

Free Classic Visa from 3 payment/quarter operations (or € 6/month)
Free first visa from 3 payment/quarter operations (or € 9/month)
Infinite visa € 200/year

Free conditions

Justify an income of at least € 1,200 monthly net
Perform at least 3 payment operations per quarter
1.95 % costs on foreign currency transactions
Interest rate for authorized discovery (Agios): 7 %
Interest rate for unauthorized discovery (Agios): 16 %

Exclusive / Others

Many savings, credit, insurance and investment, placement possibilities
A very practical online credit simulator (but exclusive to the web version)

Application features

Categorization of automatic expenditure
Possibility of creating specific budgets with alerts
Possibility to display the condition of your account from the application screen for the application

Real -time management of his bank card (payment ceiling, contactless payment, locking and opposition)

Biometric authentication (fingerprints, Face ID)

Up to € 80 of premium at the opening of an account

More characteristics

Free account opening

Free account

Available checkbook, and free shipping

Accessible to everyone and without justification of income

The services of a real bank

A free card (standard card) which becomes paid (€ 2) if inactive

No joint account

Bank card which does not work in certain cases (deposit, reservation)

Deposit of € 50 at the opening of the account
Be 18 years old and be able to justify his identity

Free account opening

Bank cards offered

Free standard mastercard from 1 payment/ withdrawal per month
Premium mastercard card € 4.99/month for 6 months

Free conditions

Make 1 transaction per month (otherwise € 2/month)
2 % costs on foreign currency transactions (with the standard card)
Interest rate for authorized discovery (Agios): 8 %
Interest rate for unauthorized discovery (Agios): 16 %
Operations carried out manually by an advisor: € 5 (free if online)

Exclusive / Others

No proof of identity to show if you are already an orange customer
Additional premium when you are an orange customer
Checkbook included in the basic offer

Application features

Real -time management of his bank card (payment ceilings, contactless payment, locking and opposition)

Categorization of automatic expenditure
Real -time transactions display in the application
Modification of the card code at any time

Free account opening

More characteristics

Up to 120 € offered with a first or platinum visa card

No income condition

Honest prices for an online bank

Many savings services and products

No free offer

150 € initial deposit (why ?))

No Google Wallet for Mobile Payments

No income condition requested (but income support documents are necessary)
Be 18 years old (except young account) and be able to justify his identity
Initial deposit of 150 euros

Up to 120 € offered with a first or platinum visa card

Bank cards offered

Visa (case) from € 2/month
Visa Classic from 3 €/month
First visa from € 6/month

Free conditions

Paid bank: 2 €/month minimum
Premier visa option at 3 €/month
2 % costs on foreign currency payments
2 % costs on withdrawal from foreign currency, or a minimum 1 euro
Interest rate for authorized discovery (Agios): 8 %
Interest rate for unauthorized discovery (Agios): 21.02% in 1/01/2020

Exclusive / Others

“The card that spares” (see test)
Young and self -employed accounts
Many savings and financiers
Check and species deposits in CIC agencies

Application features

Biometric authentication (fingerprints, faceid)
Automatic categorization of expenditure
CIC distributors display

Up to 120 € offered with a first or platinum visa card

More characteristics

Account opening free

Account holding, withdrawals and payment abroad

The application is readable and pleasant to use

Accessible without income condition

Only 3 to 8 withdrawals of free monthly species

Be 18 or more and be able to justify your identity
Have an iOS or Android phone compatible with the N26 application

Account opening free

Bank cards offered

Free conditions

Free accessible without conditions
5 free withdrawals/month, then € 2 per withdrawal
Commission of 1.7 % for the withdrawals of species to foreign currencies

Exclusive / Others

Instant transfers to other N26 users

Application features

Categorization of automatic expenditure
The “spaces”, kinds of virtual piggy banks
Biometric authentication (fingerprints, ID side, etc.))
Location of nearby ticket distributors

Real -time management of his bank card (payment ceilings, contactless payment, locking and opposition)

Account opening free

More characteristics

Account opening Free

A neobancs that innovates

Ultra fast account opening

Accessible banking products

A well thought out application.

. But which requires an adaptation time

Few ways to communicate with customer service

Few partner brands for cashback

Be 18 or more and be able to justify your identity
Have an iOS or Android phone compatible with the Lydia application

Account opening Free

Bank cards offered

Free conditions

Free accessible without conditions
Paid bank card for the free Lydia account (€ 5)
Rejected bank transfers are charged € 10.

Beyond 2 automatic samples rejected per month, each additional rejection is billed € 5.

Beyond 5 payments Carte Lydia refused per month, each additional refusal is billed € 0.50.

Exclusive / Others

Instant transfers via mobile phone number
Business and stock market investment
Investment in cryptocurrencies
Investment in heavy metals

Application features

Summary organization
Possibility to open a shared account
Possibility to take out an express loan
Possibility of making donations to an association

Account opening Free

More characteristics

Account opening free

A true French neobank

Pleasant application to use (real -time accounts, piggy bank, transfer by SMS)

Total absence of costs abroad

The basic activated cashback (Ideal account only)

A bank that is not free (€ 2.90/month)

Lack of banking services

Impossible to deposit species or checks at the postal bank

Deposit of € 50 at the opening of the account
Be 18 or more and be able to justify your identity

Account opening free

Bank cards offered

International visa € 2.90/month
International visa € 6.90/month

Free conditions

Paid bank: from € 2.90 per month

Exclusive / Others

Possibility of opening an account in an agency La Banque Postale
Renewable loan offer (but expensive)
No fees abroad (euros and currencies), for purchases or withdrawals

Application features

Real -time management of his bank card (payment ceiling, contactless payment, locking and opposition)

Real -time transactions display
Categorization of automatic expenditure

Account opening free

More characteristics

VIVID PRIME offered for 1 month

The “pocket”, a great idea

A bank thought for the placement hooks

A perfectly usable free offer

The efficient cashback system

A very good application experience

No insurance, even with VIVID PRIME

No real lack of costs on payments and withdrawals abroad

Systematic authorization cards

Be 18 or more and be able to justify your identity
Have an iOS or Android phone compatible with the VIVIVE application

VIVID PRIME offered for 1 month

Bank cards offered

Free conditions

Free accessible without conditions
1 free cryptocurrency transaction (then 1% of costs per transaction)
New free card number up to 5 times a month for free (€ 1 beyond)

Exclusive / Others

Business and stock market investment
Investment in cryptocurrencies
Investment in heavy metals
Instant transfers to other users of VIVID

Application features

Categorization of automatic expenditure
“Pockets”, kinds of virtual pigers
Biometric authentication (fingerprints, ID side, etc.))

VIVID PRIME offered for 1 month

More characteristics

Discover Nickel’s offer

A 5 min account for 20 € per year

A bank without discrimination

A good application

The possibility of collecting checks via your smartphone

No joint account

Few banking services

The uninteresting cashback system

High costs (deposits, withdrawals, excluding SEPA zone)

No mobile payment (Google Play, Apple Pay, etc.))

Be 13 or more and be able to justify your identity
Have an iOS or Android phone compatible with the Nickel application

Discover Nickel’s offer

Bank cards offered

Nickel Chrome 30 € /year

Free conditions

Non -free offer but accessible without conditions
Personal withdrawals in a distributor in France: € 1.5 (free for a Nickel Metal account)

Personal withdrawals in a distributor outside the SEPA zone: Nickel: € 2, Nickel Chrome: € 1, Nickel Metal: 0 €

Payments excluding SEPA zone: € 1 (free Nickel Chrome and Metal account)
Cash deposit with a tobacconist nickel: 2% of the amount filed
Power of the account by bank card from the customer area: 2% of the amount
Check collection: € 3 per check
More than 1 rejected levy: € 10 per rejection
Request for referring the secret card code: € 1
Exverting 60 SMS alerts per year: € 1 for 10 additional SMS pack

Exclusive / Others

Sending free and unlimited money abroad
Check collection via the mobile application

Application features

Real -time management of his bank card (payment ceiling, contactless payment, locking and opposition)

Real -time transactions display
Categorization of automatic expenditure

Discover Nickel’s offer

More characteristics

Discover Bunq’s offer

An ideal bank for travelers (zero costs on payments abroad)

Very practical budgeting functions

No free current account

Few differences between the Easy Money and Easy Green accounts

No insurance coverage, regardless of the offer

A “gas factory” type application

Be 13 or more and be able to justify your identity
Have an iOS or Android phone compatible with the BUNQ application
Have a tax number

Discover Bunq’s offer

Bank cards offered

Easy Green € 17.99/ month
Withdrawals abroad: 5 withdrawals at € 0.99 each then € 2.99 per operation.
Instant transfer to the BUNQ account (0.5% of the amount and a limit of 500 euros per day

Exclusive / Others

Trees planting worldwide
A complete support accessible 24/7 via the application
Bunq community with thousands of good plan around the world
Use several foreign currencies in a suele application

Application features

Up to 25 sub-accounts (Easy Money and Easy Green only)
Apple Pay and Google Pay compatible
Access to a traveler community
Scan of receipts and invoices

Discover Bunq’s offer

More characteristics

Discover the Green-Got offer

A real green neobank

Fast and efficient customer service

Apple Pay and Google Wallet compatible

Green gamification of the application

Account inaccessible before having received his card

No annex banking service

No free offer

Tedious transfer system

Being older than 18
Have an iOS or Android phone compatible with the Green-Got application

Discover the Green-Got offer

Bank cards offered

Free conditions

Free accessible without conditions
2 withdrawals / month in euro zone then € 1 in euro zone + Iceland and Norway and € 2 excluding EU

Exclusive / Others

Background used to finance ecological projects

Application features

Monitoring CO2 emissions for each transaction
Followed by your personal impact and that of the community

Discover the Green-Got offer

More characteristics
Traditional bank

Free account opening

Physical establishments everywhere in France

Quick online account opening process

A deplorable support

Rudimentary mobile application

No free offer

Deposit of 20 € at the opening of the account
Be 16 or more and be able to justify your identity
Have another bank account (for online registration)

Free account opening

Bank cards offered

Platinum visa 190 €/year
Infinite visa 320 €/year

Free conditions

Paid bank: from € 2.4 per month
Except the 24/24 card offer, available for free

Cost of 2.30 % on foreign currency transactions ( + € 3.30 per withdrawal and + € 1 per payment)

€ 0.65 for each cash withdrawal in euros in the euro zone, from the 4th withdrawal per month
Interest rate for authorized discovery (Agios): 14 %
Interest rate for unauthorized discovery (Agios): 16 %

Exclusive / Others

Presence of physical establishments everywhere in France
Possibility to have a completely free bank account

Application features

Real -time management of his bank card (payment ceiling, contactless payment, locking and opposition)

Location of nearby post offices

The postal bank

Free account opening

More characteristics
Traditional bank

Discover LCL offers

Historical bank, plethora of services

A clear and efficient application.

. But with few advanced features

An unofficial and impractical offer

High prices and costs in France and abroad

A bank still far too traditional

Be of age and being able to justify your identity

Discover LCL offers

Bank cards offered

First visa 11.92 €/month
Infinite visa € 29.83/month
MasterCard Classic “essential” offer € 2/month

Free conditions

LCL is a paid bank: from € 1/month

Payments excluding euro zone: € 1.05 + 2.85 % (Visa Classic and first type cards); 1.05 + 2.20 % (Premium cards)

Withdrawals excluding the euro zone: € 3 + 2.85 % (Visa Classic and first type cards); € 2.35 + 2.20 % (Premium cards)

Interest rate for authorized discovery (Agios): regulatory rate (21.02%), reduced from 1 to 9% according to authorization

Interest rate for unauthorized discovery (Agios): 21.02% in 1/01/2020
3 free withdrawals excluding LCL network then € 1.05 / withdrawal (basic card only)

Exclusive / Others

Wide range of banking services
“System’pargne” (see notice)

Application features

Real -time management of his bank card (payment ceilings, contactless payment, opposition)

Cat with his advisor
Biometric authentication (fingerprints, Face ID)

Discover LCL offers

More characteristics

Free account opening

A nice application

Efficient customer service

A noble cause.

. Under the back of greenwashing

A German Iban

Costs for payments and withdrawals

The arduousness of the transfer system

The glaring lack of functionality and banking products

No mobile payment (Google Pay, Apple Pay, etc.))

Be 18 or more and be able to justify your identity
Have an iOS or Android phone compatible with the Helios application

Free account opening

Bank cards offered

The current account 6 €/month
The common account 3 €/month
Young account 3 €/month (for one year)

Free conditions

non -free card, but without income condition
Free virtual card
1% tax on payments (excluding euro zone)
0.85% tax for any species withdrawal (euro zone)
Tax of € 1.50 + 1% of the amount for any cash withdrawal (excluding the euro zone)

Application features

Customer service by chat or call from the application
Securing via fingerprint or 6 -digit secret code

Free account opening

More characteristics

Our opinion on Boursorama Banque : the cheapest online banks ?

Property of Société Générale since 2014, Boursorama Banque is one of the very first online banks to have been available in France. She also prides herself to be one of the cheapest establishments in France. Which is indeed the case, provided you are patient when opening his account.

Boursorama is one of the most popular online banks thanks to its attractive prices. In reality, most common operations are free, and those who are paid are among the cheapest on the market. The Boursorama’s offer is thus advantageous, in particular thanks to a particularly interesting free bank card: the Ultim card accessible without income condition.

Registration for Boursorama, as with other online banks, is very simply and quickly. On the other hand, it was not until twenty days after registration before receiving our bank card as well as our identifiers. You should not be in a hurry.

The application is also very neat and has a good number of practical features in addition to taking into account many mobile payment systems (Google Pay, Apple Pay, Samsung Pay, etc.))

Our opinion on Hello Bank! : the online bank which is based on a network of physical agencies

Hello Bank! is an online bank created in 2013 by the BNP Paribas group. It has the advantages of an online bank, while being able to rely on the network of BNP Paribas agencies.

Hello Bank is one of the very good online banks because it has several advantages. Already, account holding is free, with very few costs as soon as the user manages his accounts from the mobile application rather than calling an advisor. The application is well designed: it is clear and easy to use. However, we regret the lack of originality in the proposed features.

As a subsidiary of the BNP Paribas, Hello Bank can rely on the group’s physical agency network to authorize its customers to easily deposit checks and spaces. A rather rare simplicity in the world of online banks.

Recently, Hello Bank added two new offers to his catalog: Hello One and Hello Prime. These are very similar to the offers of neobanques, with a free card without income condition, free payment abroad and real-time display of operations from its smartphone.

In our case, we regret the higher time than competition between the creation of the account and the reception of the bank card.

Our opinion on Fortuneo : an online bank for scholarships

Fortuneo was created in 2000, but only became an online bank from 2009 following the acquisition by the Crédit Mutuel Arkéa group. He is still today the majority shareholder.

In view of the level of service, one could almost imagine Fortuneo as a classic bank. However, it cultivates its online ecosystem by a philosophy based on accessibility, the absence of hidden costs and an ease of registration and the implementation of accounts. However, it must be in mind that the bank is intended for a fairly easy socio -professional category, the most advantageous levels being reserved for the wealthy customers despite a very competitive price. Fortuneo has the merit of offering a wide range of bank card options and some very interesting banking products for those who wish to make it their main bank. However, there is an aging application and the absence of certain current and specific features which could dissuade certain.

The neobank carved for travelers

Revolut is the other important neobank in the fintech market. She was born in the United Kingdom in 2015 and offers her customers several bank cards, including a completely free.

Revolut is with N26 one of the most representative banks of what a neobank is. Modern, entirely available on mobile and completely free, including abroad from the standard offer, it is today undeniably one of the best neobancs. Its main advantage compared to its competitor N26 is its “top-up” system to add funds from its main bank account thanks to its main bank card. This is particularly practical abroad since the “top up” will be done in Euro, and therefore free of charge changes. This functionality makes it an ideal secondary card for off -goings outside the euro zone.

In addition, Revolut offers many interesting features is innovative such as the possibility of exchanging cryptocurrencies such as bitcoin or buying (American) actions very easily. The absence of more traditional banking services, especially in terms of savings products, however makes it less about as a main account on which your income would be domiciled.

Our opinion on SG (Société Générale) : does tradition rhyme with modernity ?

As a historic banking establishment, SG (Société Générale) is a dinosaur in a resolutely turned digital domain. It however regularly evolving its offer and its platform to an online model simpler and transparent to attract new customers. Let’s see if you are faced with a real change of identity or a beautiful facade hiding the old school ?

SG (Société Générale) is one of the traditional banks that allow you to register online, in addition to physical agencies. The registration procedure ends with a videoconferencing with a television. It’s a bit restrictive, but the account opening has the advantage of being fast.

SG (Société Générale) offers one of the best offers for traditional banks, even if it suffers from competition with free online banks. However, the SG SOBRIO offer (Société Générale) from 6.90 euros per month offers many services (insurance, savings, etc.) to which it is possible to subscribe thanks to a regular advisor or to the many agencies. However, it is a shame that the use of the bank card abroad is so expensive.

The application of SG (Société Générale) is full of features. There are so much that it even comes to taint its ergonomics. However, it offers a high level of control on its card and accounts. SG (Société Générale) cards are also compatible Paylib and Apple Pay (except for Mastercard).

Bforbank: classic, efficient, and to accommodate its savings

In the Giron du Crédit Agricole, BforBank is an online bank originally cultivating a high -end philosophy and intended for a wealthy audience. She still aligned himself in the face of competition by offering more accessible offers while retaining her identity. It is also distinguished by its range of various banking products and its stock market platform. But can we today consider it as a bank like the others ? This is what we will try to answer in this opinion.

Bforbank is an interesting bank since it offers the same rates as the best online banks. Thus, account holding is free and the costs are zero for most common operations. BforBank also offers two free bank cards: the Classic Visa from 1200 euros in monthly net income and the first visa from 1,600 euros net of monthly income. The latter is one of the most accessible Gold cards among online banks. However, the card must be used at least 3 times a quarter to be completely free.

The operation of Bforbank is completely classic and not surprisingly. There are no real features that make it stand out. Its application is also classic, but it has the merit of being readable and modern. On the other hand, we regret the absence of Google Pay even if Apple Pay has already appeared on the mobile payment side.

Orange Bank : our opinion on the neobank of the telecoms giant in 2023

By embarking on the ultra competitive market for neobanques, Orange Bank wishes to establish its know-how on the mobile side in a 100% based banking product on dematerialized. But is it enough to rub shoulders with the actors already well established in France and in Europe ? We answer you in this opinion !

Orange Bank is the neobank of the Historic Telecom operator. It offers services equivalent to its competitors, namely a free account outfit, free payments and withdrawals in the euro zone and a real -time display of transactions. Above all, Orange Bank has substantial advantages which are rather rare among neobancs, such as consumer credits, a livret paid up to 0.3 % and the possibility of having a checkbook.

On the other hand, the free orange bank card card must be used at least 1 time a month so as not to have to get rid of costs which amount to 5 euros. The free offer therefore cannot be used as a dormant card that is only used abroad or if necessary. Especially since it also includes costs (2 % of the amount) during payments in foreign currencies, which competing establishments do not have.

Our opinion on Monabanq : a very complete service. From € 2 per month

Monabanq’s birth certificate is dated October 2, 2006, but its history is older. It actually dates back to Covefi, created in 1987, which then became Banque Covefi and finally renowned Monabanq. Today it belongs to the Cofidis Participation group, itself attached to the CIC (Crédit Mutuel group).

Monabanq is a somewhat special online bank: it is necessarily paid, but without any income condition. It is thus accessible to people without regular income, provided that they pay the entry cost of 2 euros per minimum month, according to the offers. A peculiarity that can find its audience, but which can also move away from potential users with sufficient income to have a free premium card in other banks such as Boursorama or Fortuneo.

The application has the merit of being complete, and to offer daily practical features. There is for example a savings simulator, or even a map of CIC distributors nearby. On the other hand, Google Wallet is missing the call and it is a shame in 2023.

Monabanq costs during payments and withdrawals outside the euro zone are a little more expensive than the average with the classic offer at 2 euros per month. Premium offers are more generous on this point, but they start at 6 euros per month.

N26: the neobank that it is difficult not to recommend

N26 is one of the two most popular neobancs in France with Revolut. Born in 2013 in Germany, she has been available from French users since 2015. And if this neobank is so important, it is especially because one of its offers is completely free.

It is difficult not to recommend N26 as the free offer is interesting. Registration is done in a few minutes, and the bank card arrives at your home in the following days. With this one, it is possible to set up without cost transactions, in all currencies. Regarding withdrawals, the free card makes it possible to make five per month and the costs amounted to 1.7 % for withdrawal from foreign currency. These costs do not apply for paid cards of N26: N26 You and N26 Metal.

The N26 application is also very well designed. It is very readable and pleasant to use. It displays real -time transactions thus guaranteeing perfect monitoring of daily expenses.

Whether only on trips, or on a daily basis, N26’s offer is very satisfactory. It can be used very punctually, since there are no inactivity costs.

Lydia: the small practical app that has become a banking super-app

First thought as a simple rapid money transfer application, Lydia quickly managed to develop her offer to become a full -fledged banking application. Is this an offer comparable to the best online or other neobanc banks on the market ?

Previously a simple money transfer application, Lydia has now become a real banking application with a full -fledged offer. Lydia has two paid offers even if its access is completely free whether for the exchange of fast money or to have a real account with bank card at the key. Lydia emphasizes its many features such as the possibility of investing in business actions, cryptocurrency or in precious metals; Without forgetting cashback or consumer loans.

Its application is very complete and after an adaptation time it is quite possible to use it as a subsidiary account of choice, especially since all the Iban delivered are French.

Our opinion on my French Bank : first French neobank, first to wipe the plasters

My French Bank (or MFB), recent creation of La Banque Postale, was launched on July 22, 2019. Exclusively online (mobile and web), it is accessible to everyone without resource condition. It is aimed above all at the 18 – 35 year olds looking for an innovative banking supplement in addition to their traditional bank. Its ambition is to conquer more than a million customers over the next five years.

The offer of my French Bank is special. First, this is the only neobanque that allows the user to subscribe to a physical agency: post offices. It is also possible to do it online. Then, my French Bank offers only one offer, displayed at a price of 2 euros per month. This gives access to an international visa card, which can be used abroad without any costs.

The mobile application includes advanced and practical services, such as the display of accounts in real time or transfers by SMS. However, for its price, it is a shame that my French Bank does not allow users to place checks or species in post offices.

Finally, my French Bank suffers from the comparison with the competition. Néobanques like N26 or Revolut offer equivalent services and free. While online banks have more services and financial products, sometimes free of charge (Boursorama Ultim, Fosfo de Fortuneo, etc.) or at the same price (Monabanq).

VIVID MONEY: the neobank that relies on investment

VIVID is a relatively recent neoban which has the particularity of highlighting new banking uses such as cashback or the management of sub-accounts. Investment also takes a large share of experience: business action, cryptocurrency and even precious metals. But is this a neobank that has its place among the managers of the genre ?

News in the world of neobancs accessible in France, VIVID begins to build a place of choice among the best banks of the genre. Its offer specializes especially in new banking uses such as cashback allowing to obtain from each purchase a percentage of the sum is returned to you ! But it is especially targeting Lhe savings enthusiasts thanks to its “Pocket” system, kinds of personalized sub-accounts in which you can organize its expenses and its feedback.

This last part really makes the big difference since Vivo also acts as an investment platform whether in business action (EFT), in cryptocurrencies and even in precious metals.

VIVID has an offer accessible for free, but the premium offer gives access to a wider bonus range in all areas. You still have to keep in mind that Vivid is only issued German Iban and no assurance that it coming from the bank itself or the visa organization is offered to its customers, which makes the neobank a more attractive offer in the context of a secondary account.

Nickel opinion : The local French neobank

If it can be considered as the very first French neobank, Nickel offers a very different model taking the form of a local payment account, much more than a real bank. But beyond its accessibility, is Nickel to recommend in the face of the rest of the banking offer in France ?

Nickel’s offer is quite special. First, it is the only neobanque who asks the user to go to his tobacconist to validate the opening of the account and obtain his card. Nickel offers 3 offers, whose standard requests 20 euros in subscription per year.

The mobile application includes advanced and practical features, such as display of accounts in real time or transfers by international SMS. It even offers the possibility of collecting your checks without going to an agency.

Finally, Nickel does not suffer from comparison with competition with other neobanks as its offer differs. It certainly does not offer equivalent services, but focuses on the ease of implementation of the account, without discrimination and at very low prices. We can however blame him for his lack of banking products of interest and the absence of mobile payments like Google Pay or Apple Pay.

Bunq review: the neobank who wants you to travel, but at what price ?

The Dutch neobanks Bunq is already one of the deans of the genre and has changed its offer over the years without forgetting its target heart: globetrotters. But today with a flourishing banking offer, does Bunq still have its place in your wallet or smartphone ?

Bunq first offers a designed offer for travelers with an absence of account holding costs, no costs on payments abroad and a complete community platform to obtain the best good deals through the globe. Another good point, the opening of an account is ultra fast and the bank undertakes to plant trees on the multiple banking activities of its customers.

Despite all the painting is not all white. For example, it is necessary to count on the presence of costs on withdrawals, whether in France or abroad. We can also pest on the application which is sorely lacking in clarity on its multitude of features, in addition to proposing an incomplete translation.

Bunq is therefore a somewhat separate neobank that deserves to clarify its offer in addition to making its application more practical.

Green-Got reviews in 2023: is it the green bank that we expected ?

Green-Got is a neobank registering in the trend of “green banks” investing money from its customers in ecological projects. But is it a good neobank in absolute terms in 2023 ?

Green Got is a French eco -responsible neobank. The eco -responsible bank account. The objective is to use the deposits of Green Got customers to finance projects in green energies, organic farming, the circular economy, etc.

Green-Got’s banking experience is still minimalist, but promises great things through future developments. For 6 euros per month and with a loan account in 10 minutes, the card offers payments abroad free of charge, a fund guarantee up to € 100,000 and an efficient customer service. You will especially have the satisfaction of knowing that your money is used in noble causes with an ecological vocation.

Our opinion on postal banking : inexpensive, but a late application

Postal bank has its place in our bank comparator. It is indeed one of the cheapest traditional banks on the market. With the counterparty an application very late on competition.

Postal Bank has the advantage of being one of the cheapest traditional banks on the market. It is also based on a large number of physical agencies, which allows you to quickly access an advisor everywhere in France.

Even if it is a traditional economic bank, it suffers from competition with online banks that offer complete and free offers. Indeed, the account formula including a Visa Classic card is billed 6.60 euros per month at Banque Postale. The costs during payments and withdrawals abroad are raised, it is better to avoid traveling with this bank.

Finally, although the application is clear and simple to use, it is still late compared to what competition can offer.

LCL: A traditional bank that does not have the fabric of a real online bank

LCL is one of the largest French banks. With a history of a century and a half, the mastodon has developed in the digital field preferring its traditional banking status. With the overhaul of its offers and a late opening to the world of the Bank Ligne, LCL now has its place among the Boursorama, Fortuneo or other Monabanq. But is it however at the level ? Answer in this opinion

Formerly appointed Crédit Lyonnais, LCL is one of the major French banks. It offers a good number of bank cards, the most basic of which is accessible at 2 euros per month. On the other hand, premium cards like the first visa are rather expensive, from 142 euros per year. A high price that does not even give access to free costs abroad, as is the case with online banks.

LCL nevertheless has a pleasant mobile application to use. It is clear and ergonomic, but it remains poor in advanced functionality. On the side of mobile payments, LCL is compatible with Apple Pay and Paylib.

The advantage of LCL is in the plethora of financial products and services that it offers. From mortgage to life insurance to life insurance, there is something for all profiles.

Helios reviews: the neobank of greenwashing ?

Helios is a neobank positioning itself as an “Ecobank” advocating a banking ecosystem favorable to the preservation of the. But behind speech and ambitions, Helios is really recommendable ?

Helios is a very recently born neobank whose philosophy is around environmental protection. This involves commitments on the depollution of the banking ecosystem and the green investment. The bank even offers a wooden card from 100 % renewable forests. But if the idea is commendable, we are still skeptical about the concrete, Helios being dependent on Solarisbank, a Baas platform whose investments go to the Bank ideals.

The Helios banking offer is also very limited with a significant absence of services, however very present at other neobancs: overdraft management, checkbook, booklets, etc. The bank offers only one current account declined in attached or young (- 23 year old) offer. There is also only one way to feed your account from another bank: manual transfer, which can be painful on a daily basis.

Finally even if the application and customer service are of quality, the bank is not yet compatible with mobile payment (Google Pay and Apple Pay mainly) which can still be an obstacle to its adoption for a large customers.

What should be known before choosing an online bank or a neobank ?

Online and neobank banks have become more democratized and have expanded their offers over the years. But before choosing, several criteria must be taken into account. Here are some questions to ask to learn more about these new actors.

What is the difference between an online bank and a neobank ?

An online bank is a banking establishment generally held by a traditional bank. She offers same services that conventional establishments at more advantageous prices, Because it lowers costs by not having physical agencies. An online bank is managed entirely from the dedicated application or site, but Customer service remains accessible if necessary.

A neobank is generally more modern than an online bank : everything is controlled from a neat mobile application with a lot of features, and registration is done very quickly from this same application. The use of a neobank is often limited to a current account: there are no savings products (booklet, credit, etc.)), But it generally offers a Completely free card, with very competitive, even zero costs, abroad.

The main difference has long been in the detention or not of the European banking license, which allows users to benefit from funds up to 100,000 euros in the event of bankruptcy of the bank. But this is no longer the case, since The two main neobanks (N26 and Revolut) now hold this license, Like online banks.

How do you change the bank ?

First of all, to change bank, you have to open an account with a new establishment. Because it is Once this new account has been created that it is possible to take advantage of the bank mobility assistance service set up by law 2015-990 of August 6, 2015 called “Macron law”. It is compulsory for all banks and completely free. With this service, The new bank will automatically identify recurring direct debits or deposits (energies, taxes, CAF, FAI, etc.) and provide the new bank details to these entities For not that the customer does not have to deal with it. However, the old one and the new bank account each have enough money to pay these levies for transition time. Legally, the transition time must not exceed 22 working days.

We must also inform the old bank of the will to close the account, and not only solver by transferring money to the new establishment. In particular, because sums can still be debited, such as management or inactivity costs depending on the conditions.

Some savings products can be transferable for free (young booklet, LEP), but for others, it will be payable (life insurance, PEL). Finally, cERTAINS Products are not transferable : you have to close them then reopen them in the new bank, such as the booklet A.

How to change bank with a mortgage ?

A mortgage should no longer prevent you from changing bank. Several solutions exist and allow the transition to a mortgage being reimbursed.

The first solution is the most common: to buy your mortgage loan by the new bank. Thus, the loan passes from one bank to another and the reimbursement of monthly payments is done in the new banking establishment. For this solution to be interesting, it is imperative that the new loan rate is at least equivalent, or even more advantageous than the old. Interest rates are currently downwards, It shouldn’t be a brake at the moment. The fact remains that case costs are to be expected.

The second solution is to keep the mortgage from the old bank and make an automatic transfer to it each month, of the amount of the monthly payment to be reimbursed. If the loan was contracted before January 1, 2018, it is quite possible for the customer to reimburse his loan from his former bank without domicile his income. On the other hand, For real estate loans subscribed after January 1, 2018, it is imperative to verify that a contract clause does not require domicile its income where the loan has been contracted.

Finally, The last solution is to settle your mortgage loan, still you have to have sufficient funds. Anticipated reimbursement allowances must not exceed 6 months of interest on the amount that remains to pay, with the average loan rate. They should not exceed 3 % of the capital remaining to be reimbursed.

How to deposit a check or species in an online bank ?

Even if they do not have physical agencies, Online banks can easily receive a check for checks or species. Online banks generally belong to traditional banks, which have many agencies. This kinship allows online banking customers to deposit check and species in establishments of the parent company.

In the very rare cases where the online bank does not make it possible to deposit species in a physical establishment, it will then be necessary to send a cash mandate (as with Western Union) to transfer species to its bank account, but this service is paying. If you are still a customer of a traditional bank, the simplest is then to deposit your species in this bank, then to make a transfer to the online bank.

Regarding checks, it remains possible to transfer them by post to an online bank at the address communicated by the establishment. Just send it, register the account number, add a signature and accompany it with a check delivery slip provided by the online bank. These slips are made available on the customer area of ​​the online bank, or they can be sent to simple request.

Bank cards: what you need to know about payments abroad

According to cards and banks, Certain banking operations may generate costs when they are made abroad, euro or non -zone. These fees are involved during cash withdrawals, but also during direct payments. The amount of costs is displayed in the bank’s pricing brochure, and varies according to the establishments and the ranges of cards.

It is often traditional banking establishments that include the most costs during transactions abroad. Online banks are often more interesting on this subject, but it depends on offers and cards. For example, transactions with a stock market card are free in the euro zone, but paid in other currencies with costs of 1.94 % per operation.

The best students on this subject are the neobancs (N26 and Revolut): there is often no costs during payments abroad, whatever the currency. They also make it possible to make withdrawals (limited in number or by climbing) free of charge worldwide.

Bank cards insurance: what do they cover ?

In addition to being payments, thehe bank cards also offer insurance and guarantees that vary depending on the type of card, Visa or MasterCard, and especially depending on the range of the card: Classic, Premier/Gold, Infinite/World Elite, etc. These ranges are determined either by the amount of the annual subscription, or by the minimum net income requested.

According to the cards, the types of insurance vary a lot. Most include assistance abroad, in particular to cover medical costs or repatriation. The more expensive the card, or the higher the income conditions, the higher the guarantees and insurance, and the amounts are important. Some cards cover for example the flight and breakage of products paid with it, Or even the rental vehicles.

For each cards, It is important to check the amount of the franchise User’s responsibility, as well as the compensation ceiling. The card holder is covered, but the insurance may also concern the spouse and the dependent children.

If necessary, and Before starting all expenses, it is preferable to contact the assistance of the company which provides the bank card (Visa or mastercard) to ensure that the costs incurred are well taken into account.

Can I trust a neobank ?

The banking universe is extremely regulated in Europe. The two most widespread neobancs in France (Revolut and N26) are also holders of a banking license which offers guarantees to users. This European banking license provides protection of funds up to 100,000 euros for each customer in case of bankruptcy.

For neobancs who do not have a banking license, it’s a little different. They have the obligation to secure the sums deposited by users in traditional banks. Which ultimately offers this same protection of funds up to 100,000 euros.

In any case, the services offered by the neobancs are minimal: they only offer (for the moment) only a current account. In case of bankruptcy, The losses will therefore be limited compared to more traditional banks that host savings booklets and other financial products.

How to leave the bank in which I opened an account ?

You wanted to try a new bank, but you are not fully satisfied. Two options are available to you: Solder the accounts of this bank, or close it. The first option is not recommended: in the event of prolonged inactivity, costs may apply. The second option is more reasonable and is made more or less in the same way in the various banks.

Some online banks indicate directly from the customer area to follow to close an account, for others, it is necessary to contact customer service. In the majority of cases, a closing letter (models are available on the internet) must be sent by registered letter. According to the establishments, this letter must be supported or the means of payment made available, or a declaration on honor certifying the destruction of these means of payment.

Some banks allow you to close an account directly from the mail -in -law in customer service. Just print the closing mail, sign it, scan it and send it.

Before leaving a bank, it is important to make sure that no check is waiting for collection, At the risk of being relieved as banking by the Banque de France. It is also preferable to settle the accounts yourself using a transfer since certain banks charge this operation.

If you have benefited from a welcome bonus, remember to read the conditions for granting this premium. Some online banks reserve the right to take it if you have not fulfilled all the conditions (number of transactions, duration of use, etc.)).

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Our 2023 ranking of the best online banks: what offer is made for you ?

Our comparison of the best online banks 2023 details the characteristics of the main offers from each online bank present in France. Bank cards, income conditions, services, prices and welcome offers in force. Everything is present to allow you to find the online bank that suits you !

What is online bank ?

An online bank is a bank where everything goes online, that is to say entirely on the internet unlike the so-called network banks (with agencies). All banking services are dematerialized and there is no physical agency.

In full swing for a few years, they are increasingly each day to offer a range of products comparable to that of traditional banks: opening of the bank account, mobile payment, credits, stock market operations, insurance or even savings products, etc. Online banks, often called “pure players”:

• Bforbank
• Balance Bank
• Fortuneo
• Hello Bank!
• ING
• Monabanq
• Orange Bank

We also find the: “bancassurers” online:

There are also “virtual agencies” of traditional banks:

• ELCL
• Monbanter
• BNP Paribas’ online agency
• Société Générale direct agency

Huge advantage of choosing an online bank compared to a traditional bank : its prices (free bank card, no account holding fees, free current operations). The management of banking operations is also simple since you can via an application access your account on the Internet and directly manage your transfers, your bank card request, etc. Application that works both in Android and under iOS. Very often online banks will also benefit from a welcome offer.

Why choose an online bank ?

Online bank is for whom in your opinion ? If you are used to going to see your agency advisor, having an online account is not made for you. Indeed, the principle that governs online banks is to be able to Manage your banking operations yourself, to be independent in the management of your bank account. If you are an aficionado of mobile applications or simply the Internet, you are the target heart of an online establishment. You can directly check the condition of your account, order your checkbook on the Internet or manage your stock market investments or savings products.

Generally, the offer of an online bank interests active people who have little time to move and go see their bank. To have access to an advisor, simply call the bank’s hotline that will answer your questions directly. This often has opening hours of a larger time amplitude than so-called traditional banks (until 10 p.m. on weekdays and 6 p.m. on Saturday). The main difference with a network bank is that this banker will not be a personalized advisor. However, you must be attentive to each online bank because some will charge you an operation carried out directly by a television, while this operation is free if you are in charge yourself from your customer area (Bforbank, Boursorama Banque, Fortuneo and Hello bank!)).

Open a current account (simple or joined) in an online bank can now be fully done on the web. Online banks offer you first to fill out an account opening form (name, first name, your income etc.), you choose the card that suits you and to which you are eligible. Some online banks ask to enter a promo code to have the right to welcome offer. Remember not to forget it ! You will have verification codes (security question) on your laptop that you will have to enter. Then to validate the account opening, simply make the 1st payment (generally € 150 of deposit – which you can then spend of course of course !)). And your card will arrive at your postal address a few days later.

Online banking offers are also made for people wishing to save money. Indeed, going to a bank on the Internet means saving money on bank charges (bank card, intervention commission, discovery costs account authorized debtor. ) and very regularly take advantage of the welcome offers. According to the desired banking services, an establishment will be different from one person to another.

Best online bank: Banking services

A digital establishment may impose different conditions to open a current account. Some will impose income conditions while others will not take this criterion into account. Depending on your profile, you will not always be able to opt for the bank of your choice.

The main advantage of an online bank is the Free of most banking operations. Indeed, these banks are much cheaper than traditional banks. So don’t hesitate to opt for a bank change.

Very often, the bank card is free when it is very often paid in a network bank. Only downside, to obtain a bank card it will sometimes be necessary to meet conditions of income or resources. But many online banks have created specific offers without income condition. And bank charges are very low compared to a more conventional bank, where already account holding costs do not exist !

What is the best bank card ?

Discover the Ranking of online banks relating to bank cards ::

Infinite: 200 €/year + having at least 6 months of seniority in the bank

Classic visa card: no longer exists in subscription. Free subject: € 1,000 in monthly net income or € 2,500 savings in the bank

VISA WELCOME card: free subject to the use of the card per month (€ 5/month in the absence of at least one payment transaction noted)

Boursorama Ultim Card Offer without income condition or payment at no cost abroad
Or
Free card subject: € 1,800 in monthly net income or € 5,000 savings in the bank

Ultim Metal card at € 9.90/month

Free subject: € 1,200 monthly net income to justify the subscription or € 5,000 in savings in the bank + 1 card operation per month. In case of non-compliance: € 3/month
Or
Free FOSFO card without income condition, but with condition of an operation per card per month minimum, otherwise 3 € are invoiced

€ 7.99 per month for the Mastercard Premium of Orange Bank

The best online banks with a welcome offer

Online banking offers often consist of a certain amount offered for the opening of a current account, but also in the event of a concomitant request for a bank card.

A few years ago, these remote banks proposed that a limited number of services. This is no longer the case today. They offer a much more complete range of products, operations and services: possibility to benefit from a mortgage, to take out life insurance, carry out stock market operations, or even access savings or insurance products. Thus, online banks are no longer limited to the current bank account (single account or joint account), but meet other financial needs.

Some cards are still little offered by online banks, this is particularly the case with the very high -end card. There are only 2 to do it (Bforbank and Fortuneo). But only Fortuneo offers it free of charge, under conditions.

How to obtain a free systematic authorization card ?

Online banks have been developing for several years for systematic authorization bank card offers. This type of bank card questions the balance of the bank account for each payment to find out if the latter has sufficient funds to authorize payment. They allow the updating of the account balance in real time on the application of the bank and the sending of notifications. The following online banks have a systematic authorization bank card offer:

• Balance Bank
• Fortuneo
• Hello Bank!
• ING
• Orange Bank
• Monabanq

Almost all online banks have developed a systematic authorization card offer. Only Bforbank remains the only online bank not to offer this in its offer. This type of bank cards are also called, cards with “semi-systematic” authorization, which will not always question the balance of the account, as in parking lots or tolls.

Usefully

1 use per month otherwise 9 € billed