Orange Bank Opinion: Bank card, account and loan

Customers who have passed through Selectra to take out their contract receive, a few weeks after their subscription, an email offering them to leave an opinion on their supplier. In addition, any user can at any time submit an opinion by clicking on “Publish my opinion”.
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Notice: Orange Bank in 2023

You are looking for a neobank to accompany you on your travels ? Or you are an orange customer and you wonder if it is really possible to save money with Orange Bank ?

➡️ We tested and analyzed in the smallest detail the Orange Bank offer, here is our opinion !

Our opinion in short on Orange Bank

• A free account, without conditions or commitment
• A French bank under license
• Personal loans and easy -to -access work
• A premium pack with 7 cards for the whole family and parental piloting
• Mastercard insurance and assistance, even on the standard card

• No innovative investment and savings is limited to a booklet account
• Free payments and withdrawals worldwide with the premium offer

�� Orange Bank ➡️ Hello bank

Orange Bank announced at the end of June 2023 the sale of its online banking activity in BNP Paribas. The 700,000 French customers will soon be invited to transfer their accounts to Hello Bank (our opinion here).

Pending the end, the bank ensures that it will continue to serve its current customers, without change in services, current credits or daily operation.

So simple, so mobile

Orange Bank’s promise

Having already attracted more than 1.7 million customers, Orange Bank’s banking offer seems to first in view of its promises. Nevertheless, Orange Bank focuses only on basic banking services and credit, to the detriment of innovative savings or investment features. Has simplification been pushed too far ? Can you make Orange Bank your main account ? This is what we will see !

Orange Bank: the reinvented neobank ?

The birth of Orange Bank was announced on Twitter in April 2016 by the CEO of Orange: Stéphane Richard. Thanks to the acquisition and absorption of Groupama Banque a few months later, the telecoms giant had just created the first French neobank under banking license, launched officially in November 2017.

Since then, Orange Bank has not stopped innovating and adding features to its offer: visa card with dynamic cryptogram (more marketed), cashback service, or a family pack and its dedicated parental control application.

Finally, the particularity of Orange Bank is to be able to rely on the network of Orange stores and its 2,000 advisers to help you open your account.

Our opinion on Orange Bank’s offer

The different accounts offered by Orange Bank:

Orange Bank allows any adult natural person domiciled in France to open an account with card, without income conditions.

We have analyzed for you the 3 offers offered by Orange Bank and this is the essential to remember:

The free standard card offer

With the free offer of Orange Bank, you have:

• A MasterCard Bank Card offered : as long as you use it once a month (payment or withdrawal), otherwise fees of € 2 apply
• Without income conditions : and without obligation to domicile your income
• All free daily operations : separate transfers, samples or the sending of money by SMS, at no additional cost
• Includes the insurance of means of payment and repatriation : It is quite rare to benefit from these insurances with an entry -level card, it therefore deserves to be underlined
• Compatible with mobile payment services : Apple Pay and Google Pay

On the other hand, no overdraft is allowed : this facility is offered only with the Premium card.

Premium card at € 7.99 per month

Orange Bank Premium offer allows you to:

• A high -end Mastercard card without income conditions : a very competitive offer against conventional and more accessible banks than most online banks
• Immediate or delayed flow, with or without authorized overdraft : According to Orange Bank agreement which analyzes your file at the opening of the account
• Free card payments and withdrawals worldwide : with the free express dismissal of your card all over the world if necessary
• Insurance and reassuring assistance included : repatriation, luggage, car rental, snow and mountains, and even a 36 -month manufacturer’s warranty extension on electronics and household appliances
• A cashback system for orange customers : 5% on your orange bills within the limit of € 3 and 5% in Orange store, up to € 100 per purchase
• Priority access to customer service : you have a dedicated line to contact an advisor more quickly

Premium pack at € 12.99 per month

The Orange Bank Premium Pack gives you access to:

• All the advantages of the Premium card to share with the family: You can offer a premium card to the adult of your choice, and up to 5 cards more for your children aged 10 to 17 (systematic authorization card)
• An application dedicated to children : to teach them to manage their money, under the control of their parents (notifications, consultation of operations, blocking/unlocking of the card, fixing the ceilings)
• Fun savings learning : children can create piggy stores for their shopping projects and learn to save as big
• The only way to open a minor account : children alone cannot open account at Orange Bank

For professionals :

Orange Bank has a subsidiary dedicated to professionals called Anytime, which we approach in our comparison of pros banks.

➡️ The hero finance notice on the Orange Bank banking offer

Orange Bank’s banking offer is in our own quality, and very close to that of a French online bank like Fortuneo or BforBank. Even if the absence of a joint account could interfere with certain couples, the offer Premium pack is an excellent solution for connected or recomposed families. ��

Our opinion on Orange Bank costs

To help you see more clearly, we have synthesized the main characteristics of Orange Bank cards:

• A standard map sufficient for Europe : Available for free and without conditions, it is perfect for discovering the Orange Bank offer and traveling in the European Union
• A premium card cut for travelers : with its free payments and withdrawals worldwide, unlimited
• Mastercard insurance and assistance for your trips : the standard offer is limited to repatriation assistance but it is rare enough to be underlined
• Protected purchases and a warranty extension : with the premium offer only, but without additional cost
• Unfortunately the card ceilings are not communicated : they are decided on a case -by -case basis when analyzing your file by Orange Bank
• The possibility of having a delayed debit card : while the vast majority of neobancas only offer immediate speed, even on their high -end offers
• Program membershipMastercard Travel Rewards : up to 20 % cashback for your payments abroad with the Premium card

➡️ The hero finance notice on Orange Bank cards

Orange Bank offers a range of simple, efficient and unanswered cards. We appreciate free payments and withdrawals all over the world offered by the Premium card, as well as its many insurance and assistance. It is however unfortunate not to know the cards ceilings before opening your account, even if it is surely possible to negotiate them with customer service.

Our opinion on the functionality of Orange Bank

Our opinion on the Orange Bank application

Orange Bank offers a simple and intuitive application, allowing you to control your account and your bank card with your fingertips:

• Updated balance in real time
• Instant blocking / unlocking of the bank card
• Display and modification of the secret code
• Notifications for all your operations
• Shipping and requesting money by SMS

Orange Bank also allows you to create accounts for your children with the Premium pack, which remain under the total control of adults. Thanks to their dedicated application, minors can learn to manage their budget and access a visa plus card to systematic authorization and without authorized overdraft, from 10 years old.

✅ Apple Store’s opinions are excellent overall with a score of 4.6 / 5 of more than 63,000 reviews. Surprisingly the Google Play version only harvested 3.7 / 5 on more than 34,000 reviews, apparently for update concerns because feedback on ergonomics and the use of the application itself remain good.

Some features that we appreciate lack the call, such as the possibility of creating a virtual card for its internet payments, or the lack of instant transfer.

Orange cashback

✅ Orange Bank offers 3 cashback systems, only with the Premium card:

• 5 % cashback for your purchases at Orange : in store or via the site, on phones, connected objects and accessories
• 5 % on your orange bills (telephone or internet) but in the limited 3 € per invoice
• Up to 20 % cashback for your payments abroad with the program Mastercard Travel Rewards

➡️ Our opinion on this cashback offer is quite mixed : it is limited to premium cards and purchases at Orange. The cashback ceiling of 3 € maximum by orange invoice is for example largely insufficient to compensate for the price of premium cards.

Nevertheless, the mastercard cashback program abroad is a significant bonus and can apply both by shopping and reserving your hotel.

Our opinion on loans with Orange Bank

✅ Orange Bank received bank approval in order to be a credit institution, which allows it to offer you an authorized overdraft, a personal loan or even delayed debit cards.

Regarding personal loans, here is the essential to remember ::

• Personal loan : from € 500 to € 25,000, over 12 to 60 months
• Work loan : from € 500 to € 75,000 over 12 to 120 months
• New car loan : from € 500 to € 75,000 over 12 to 72 months
• Used car loan : from € 500 to € 40,000 over 12 to 60 months
• Without any file fees
• TAEGs between 2.99 % and 4.99 % for amounts greater than € 3,000
• A 19.90 % TAEG for loans less than € 3000

➡️ The opinion of hero finance : Orange Bank’s credit offer is classic and limited, with uncompromising rates (excluding special offers, see. lower). Better to turn to specialized establishments or online banks like BforBank or Boursorama.

Nevertheless, this offer still has the merit of existing and offers interesting features: immediate principle, unlocking funds up to 6 months after receiving the agreement, or the possibility of reducing the amount borrowed until The last second.

Our opinion on savings and investment with Orange Bank

❌ compared to its sisters and competitors, Orange Bank does not offer any investment or investment solution, With the exception of a booklet account.

With its 0.60 % annual gross remuneration, it certainly does better than the other accounts on booklet offered by network banks or online, generally remunerated at a rate of 0.10 % gross annual. Even if it currently offers a rate boosted at 3.5% for 2 months, this remains insufficient to counter the effects of inflation on your savings ..

�� Other much more interesting solutions exist to place and make your long-term savings grow, in particular life insurance or PEA.

If you are looking for innovative placement or investment possibilities, you will rather have to turn to other neobancs such as Revolut or Vivid.

Our opinion on Orange Bank in practice

How to open your Orange Bank account ?

✅ The account opening process is very simple and quick, Even if Orange Bank manually controls your file: count 48-72 hours for validation after sending your two identity documents and proof of address via your phone.

You can also open an account directly in an Orange store and in this case, a single identity document is enough.

Once your account has been validated and a first deposit of at least € 50 made by transfer or from a card, You can immediately use your Orange Bank card with mobile payment. Practical for the most impatient of us ��

Our opinion on Orange Bank customer service

Orange Bank highlights its virtual advisor to Djingo : It is accessible 24 hours a day every day, by instant messaging, directly from the application or the website. Having tested it personally, it works pretty well to answer basic questions and help you use the application.

Nevertheless, he is not yet able to carry out your operations or give you advice for your investments for example. For this, he can put you in touch with a real adviser.

Orange customer service can be reached from Monday to Saturday, 8:00 a.m. to 8:00 p.m, By phone, email or instant messaging.

Conclusion: When to open an account at Orange Bank ?

✅ In conclusion, our overall opinion on Orange Bank is positive : the French neobank offers a very accessible and interesting free offer, as well as premium offers suitable for both large travelers and large families.

This is what we remember:

• A free standard offer of quality : accessible without income conditions and including repatriation assistance
• A profitable premium pack for large or recomposed couples and families allowing real savings
• An application and a card dedicated to minors To teach them to manage their money
• The absence of instant transfer and virtual cards
• No innovative investment or savings solutions, Only a savings booklet
• The possibility of having an authorized overdraft, delayed flow or to subscribe to a personal loan

It is good, but we regret the absence of certain features such as virtual cards or instant transfers.

A neobank for which profile ?

If you are looking for a bank card to accompany you on your trips, whether alone, as a couple or as a family, Orange Bank’s offer may well interest you. Especially if you are already an orange customer thanks to their cashback system on premium cards.

Antoine was heritage advisor and private banker before joining Finance heroes. He puts his service and his experience in the banking environment at your service.

Orange Bank Opinion: Bank card, account and loan

To give your opinion on Orange Bank you must be or have been a customer at this supplier.

Note Orange Bank

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How are the opinions collected, verified and classified ?

How are the opinions collected ?

Customers who have passed through Selectra to take out their contract receive, a few weeks after their subscription, an email offering them to leave an opinion on their supplier. In addition, any user can at any time submit an opinion by clicking on “Publish my opinion”.
The submission of an opinion does not give access to any consideration for the user.

How are the opinions verified ?

Selectra strives to publish only authentic opinions.
We ask each client submitting an opinion to certify on the honor that he was or is indeed a customer of the supplier on which he gives his opinion and to communicate to us a valid email address.
Each opinion submitted is then reread by Selectra is published only after this verification. Any notice that does not respect our moderation charter or from an unlikely email address will not be published.
When a customer has taken out a contract with a supplier via selectra and leaves an opinion on this supplier with the same email address as that used to subscribe to the contract, selectra adds the notice checked alongside the notice. Otherwise, no mention appears alongside the opinion because we are then unable to guarantee that the customer is indeed or has been a customer of the supplier.
None of the data collected by Selectra as part of the publication of reviews will be used for commercial purposes.

How are the opinions classified ?

The two opinions having collected the most positive votes on the part of the users are put forward.
The following opinions are classified by default from the most recent to the oldest, but it is possible to classify them in order of increasing or decreasing rating.

Orange Bank is a French neobank launched in 2018 by the Orange group. It offers 3 bank account offers as well as a savings book and a personal loan. But what really is Orange Bank’s banking offer is ? What are the various opinions on Orange Bank products ? Discover the opinions on loan, bank account and bank accounts from Orange Bank.

• 3 card offers ✔️ Standard card: 0 € per month
  ✔️ Premium card: € 7.99 per month
  ✔️ Premium pack: € 7.99 per month
• 1 savings book offer
• 1 personal loan offer
• Insurance

Google Play note: ⭐ 3.7/5
Apple Store note: ⭐ 4.6/5

�� Orange Bank review: Opinion of comparabanques experts

Orange Bank was born in 2017, it was the first French neobank market marketing a 100% pilotable bank account from a smartphone. OUR Opinion on Orange Bank is mixed because the neobank offers all the essential banking services to make it its main bank: a bank account, a bank card, a checkbook, bank checks, an authorized overdraft, means of payment, a mobile application and as a bonus of agencies .

Orange Bank is the only neobank with agency. You can go to an authorized Orange store (more than 150 in France) to ask for advice from the sellers trained on the offers and subscribe to the offer that suits you. Attention : Orange stores are not empowered for checking check or any other banking operation.

OUR Opinion on Orange Bank deteriorates when we expect a bank offering a panel of complete services like online banks. Orange Bank has a banking license in the same way as traditional banks but does not sell a joint account, only a family offer (with a single card for parents), no mortgage (seuelement a consumer credit) and An offer of lean savings with only the orange booklet (no booklet a or PEL).

• Prices in the low average of the market
• offers accessible to everyone without income conditions
• offers adapted to different customer profiles
• An unprecedented premium pack in online banks for families
• A savings and bank loan offer
• A network of physical agencies

• A little fluid mobile application
• a limited banking service offer, particularly in savings and credit
• No mortgage offer
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Comparabanques returns in more detail on the various banking products and gives you its Orange Bank opinion.

�� Orange Bank banking products reviews

Orange Bank bank account reviews

The Orange Bank bank account is accessible to everyone and without income condition. The opening is done in a few minutes, via the Orange Bank mobile application or the website, but also in Orange Physical Agency.

What about opening and management costs ? At Orange Bank, the account opening is free, and the account holding costs also. Banking costs associated with current operations are largely free, or low. A positive point for the neobank which therefore stands out for very attractive banking costs.

• Standard offer: 2% commission on payments and withdrawals in currencies
• Premium offers: free

Orange Bank Avis Account Bank of Orange is attractive for its low or even free bank charges. We appreciate free withdrawals and payments outside the euro zone for premium offers and no fees on the intervention committee. It is not the cheapest bank in terms of bank charges but it is competitive. For example, Boursorama Banque punctuates withdrawals abroad up to 1.95% for its entry -level offer against 2% for Orange Bank. Like most neobancs, Orange Bank offers an online quick account opening and in a few minutes, which is much appreciated by customers. Our experts The presence of physical agency to open its bank account or the Orange Bank sponsorship program are advantages for the neobanque. What is less appreciated, however, is free bank account under conditions of use of the bank card Orange Bank (at least 1 payment or withdrawal by bank card or mobile payment per month).

Orange Bank Reviews bank card

Orange Bank offers today:

• 1 free mastercard card
• 1 paid mastercard card (Premium card and Premium pack)
• 1 card plus (intended for children)

The free mastercard card is a Immediate debit card which allows you to pay and withdraw money free of charge in France and in the euro zone. The card also includes free insurance of payment means in the event of theft or loss. The standard MasterCard card is contactless, and mobile payment is also included via Apple Pay and Google Pay.

The Premium card Immediate or delayed flow, is available at € 4.99/month for 6 months then € 7.99/month. It allows access to an Orange cashback service, the Mastercard Travel Reward and Priceless Cities programs as well as to Djingo customer service and the virtual advisor available 24 hours a day, 7 days a week.

The premium card of the Premium Pack is Available at € 9.99/month for 6 months then € 12.99/month. It is an offer intended for families since it includes a Premium MasterCard Bank Card For parents and a MasterCard Plus bank card, Without an authorized overdraft, for children (from 10 to 17 years old, up to 5 children per pack). The Premium Pack card also includes a cashback service offering 5% refunded on Orange purchases and invoices, up to € 100 per purchase.

Comparabanques: Orange Bank Reviews if the Orange Bank’s bank card offer appears as Rather complete and attractive, It is still easily distanced by the offers of competing online banks. Orange Bank’s standard mastercard card is certainly free but the services are quite limited, in particular concerning payments outside the euro zone. Indeed, some banks such as Boursorama or Hello Bank offer free cards, with payments without international.

If the prices are reasonable, it is still possible to find the same services for cheaper, In particular concerning the Orange Bank Premium card. Indeed, Monabanq offers a first visa card for € 5/month, just like Hello Bank with its Hello Prime offer at the same price.

However, we appreciate the insurance that is included in the Orange Bank banking offers such as means of payment or the repatriation guarantee.

Orange Bank Review

Orange Bank markets a personal loan reserved for Orange Bank customers, which allows you to borrow between € 500 and € 75,000. Orange Bank’s personal loan allows you to finance any personal project, excluding construction.

The personal loan is offered at a rate of 1% Fixed TAEG over 12 months from € 7,000 for auto projects and works financing (rate in force since November 9, 2020).

Orange Bank Orange Bank loan stands out from other neobanks by offering a personal loan to its customers, which allows them to be able to finance small projects without changing bank. However, the Orange Bank loan range is confined to this unique personal loan offer, which seems a bit poor compared to online banks. A mortgage may be welcome At Orange Bank !

Orange Bank Forum opinion

Orange Bank provides its customers with a Orange Bank Forum, In order to obtain quick answers to their questions. THE Orange Bank Forum brings together different categories corresponding to the most common questions of Orange Bank customers. This allows customers to Save time by solving certain problems without contacting an Orange Bank advisor.

THE Orange Bank Forum is very active, and forum members are fairly responsive to answer questions from customers. If a question remains unanswered, an Orange Bank advisor intervenes to direct customers or solve their problems if necessary.

⭐ Bank Orange Reviews

Since its launch 3 years ago, Orange Bank has evolved and adapts its offer to public expectations over time. The recent overhaul of its range of bank cards shows a real will of the neobank to offer services adapted to all, With a free standard card but also a premium orange bank card and a family pack.

The positioning of Orange Bank remains, however, still quite vague, between the mobile bank and the online bank. A positioning that can be lacking, since its offer of banking product is poor enough for an online bank, especially in the face of much more developed competitors such as Hello Bank or Boursorama Banque.

Faced with neobanques, it had the advantage of having a credit and savings offer that some did not have. Today, if credit is not yet widespread among neobanks, savings is much more, with the appearance of sub-accounts, especially in N26 and Revolut. We regret, for example, the absence of different savings products, such as booklet A or LDDS.

Orange Bank Reviews comparabanques Orange Bank will today attract by the presence of a large network of physical agencies which can reassure certain consumers, as well as by offers to Accessible prices and rather complete, especially for premium offers. But Orange Bank must still develop its offer and display a clearer positioning to attract new customers.

Orange Bank review: what do consumers think ?

No one shit an unreachable customer service ! Responds to no request blocks your credit card for no reason and impossible to have someone to unlock it I steps from this bank is shit in a baking box of big shit !

1 person found this opinion useful
Only verified customers

1 star to be able to publish the opinion. 0 Star. Do not thank me. Bye !

No deposit of a check and more than 3 weeks of bank waiting with no reactivity, knowing that it is a salary check, next month he will see the account this vacuum I go to another bank

Orange Bank is an amateur bank. Customer service is nonexistent: very difficult to reach a cat advisor (impossible by phone if it is not on their initiative. ) and when you enter into relation to a human, he does not answer your questions and we quickly feel that the person does not have banking skills. Your external transfers are now capped at 6.000E and Orange Bank reserves the right to block it to supplement checks. Problem: if you do not come into contact with a human, your transfer will never be executed. On the other hand, no problem when you make a substantial external transfer to your Orange Bank account (10.000E). This bank is to be flee, prefer Boursorama which is a real bank.

Impossible to have an access code I already regret

Due to a technical problem, it is impossible for me to access my account with the application. I have managed to reach customer service only around 6 p.m., the computer support was no longer present. But the problem would be solved the next morning did it assured me. To get around the concern, we agree with the sending by email of transfers to be treated in emergency. No news the next morning, I had to start again for once again I was ensured to take care of the problem and especially the treatment of transfers in “high importance”. Three hours later, new recovery and even response from the customer service that insisted well with the transfers service. Two hours later, new recovery except that faced with my insistence so that the commitments are kept for transfers, the advisor is very hesitant to answer. She is committed to taking into account the importance of importance and assures me that I will have a subsequent confirmation and that’s! It is unthinkable that an online bank with limits limit to an application can be in a position not to unlock a technical problem and take customers in hostages!

I am extremely disappointed with Orange Bank. Indeed, this online bank offers an interesting welcome offer, when opening a bank account and provided you make ten CB payments within a month. After having respected these conditions rigorously, Orange Bank never paid me this welcome offer. In addition, the monthly management fees implemented at the opening of the account are of course not specified and are simply exorbitant. In addition, in the event of a bank card request, Orange Bank sends us the most expensive card. You have to stay vigilant. Many hidden costs are unacceptable !

Note Orange Bank

To give your opinion on Orange Bank you must be or have been a customer of this supplier

Note Orange Bank

THANKS ! In order to validate your opinion, a confirmation link was sent to the following address:

Your vote has been taken into account. THANKS !

How are the opinions collected, verified and classified ?

How are the opinions collected ?

Customers who have passed through Selectra to take out their contract receive, a few weeks after their subscription, an email offering them to leave an opinion on their supplier. In addition, any user can at any time submit an opinion by clicking on “Publish my opinion”.
The submission of an opinion does not give access to any consideration for the user.

How are the opinions verified ?

Selectra strives to publish only authentic opinions.
We ask each client submitting an opinion to certify on the honor that he was or is indeed a customer of the supplier on which he gives his opinion and to communicate to us a valid email address.
Each opinion submitted is then reread by Selectra is published only after this verification. Any notice that does not respect our moderation charter or from an unlikely email address will not be published.
When a customer has taken out a contract with a supplier via selectra and leaves an opinion on this supplier with the same email address as that used to subscribe to the contract, selectra adds the notice checked alongside the notice. Otherwise, no mention appears alongside the opinion because we are then unable to guarantee that the customer is indeed or has been a customer of the supplier.
None of the data collected by Selectra as part of the publication of reviews will be used for commercial purposes.

How are the opinions classified ?

The two opinions having collected the most positive votes on the part of the users are put forward. Among all the opinions having collected positive votes, opinions from verified customers have priority on other opinions.
The following opinions are classified by default from the most recent to the oldest, but it is possible to classify them in order of increasing or decreasing rating. When a supplier has received reviews from verified customers, then only the checked customer reviews are displayed by default. It is possible to display all reviews by deactivating the option “only verified customers”.

How is the note calculated ?

The note corresponds to the weighted average of all the grades received for the supplier. We have chosen to give more weight to notes from verified customers and recent notes. Consequently, for a given notice, the weighting factor P is equal to X * Y Or X is equal to 2 if the opinion comes from a verified customer or to 1 if the opinion comes from an unaccompanied customer; and or Y is equal to 1 for a notice of less than 2 years, 0.75 for an opinion between 2 and 3 years, 0.5 for an opinion between 3 and 4 years, or 0.25 for opinion of more than 4 years.