Revolut vs. Boursorama: Our comparison – Wise, Boursorama vs revolut: comparison 2023 • Finance heroes
Boursorama vs revolut: comparison 2023
July 19, 2023
Revolut vs. Boursorama: What is the best online bank ?
You need an online bank account, but you hesitate between Revolut or Boursorama ? Here is a comparison of the offers offered, but also prices for current operations: withdrawals, transfers and payments.
If you are looking for a flexible means of payment, think of the WISE account: you will benefit from the unlimited interbank rate on all foreign currency operations, without needing to subscribe.
Revolut vs. Boursorama: Presentation of offers
Boursorama is an online bank that depends on Société Générale. It allows you to subscribe to a dematerialized bank account with a card, but also offers products specific to network banks: insurance, savings plan, stock market investments, etc
Revolut is a neobank centered on foreign currency operations. It has several qualities: tailor -made subscription formulas, conversions to the market rate and possibility of investing in the markets (scholarship, cryptocurrencies, raw materials).
Revolut has a free “standard” plan that offers a number of advantages. At Boursorama, the account opening is also free.
Here is a quick overview of the basic services:
| Revolut | Purse | |
|---|---|---|
| Account management | Free | Free |
| Debit card | Free, but delivery costs to be provided | Free subject to at least 1 operation per month² |
| Type of account offered | In book Sterling and Euro | Euro account |
| Virtual cards | Yes | No |
| Rate used for conversions | Interbank resignation | Increased rate (1 %) ² |
Revolut/Boursorama: comparison of withdrawal and payments
Withdrawals in the euro zone
On Revolut, withdrawals in euros are free of charge within the limit of € 200 per month (or 5 withdrawals) ³. The ceiling can go up to € 800 with the metal formula at € 13.00/month. Beyond these amounts, you will have 2 % of costs⁴.
At Boursorama, there is no expenses, whatever the DAB to which you take money.
If you stay in France, Boursorama is more competitive than Revolut for withdrawals.
Currency withdrawals: Revolut or Boursorama ?
At Revolut, currency withdrawals are not subject to any costs up to € 200 (or 5 withdrawals). Beyond this limit, you will have a commission of 2 %⁴.
The exchange is made during interbank prices within a limit of € 1,000 per month (unlimited for premium and standard subscriptions). If you exceed this ceiling, you will have a 0.5 %overload ⁵.
The costs of withdrawn into currencies at Boursorama are 1.69 %. The increase in the exchange rate is then added which is 1 %².
The two banks are almost as competitive for withdrawals in currency … if we stick to the free formulas. On the other hand, if you take a subscription and go frequently at DAB outside the euro zone, then Revolut will be more interesting.
Payments in euros and currency: which bank to choose ?
Revolut payments are free of charge in more than 150 currencies. In case of exchange, you will be exempt from costs within a limit of € 1,000. If you exceed this ceiling, costs of 0.5 % will apply (unless you have subscribed to the premium/standard subscription).
With Boursorama, card payments in currencies are also free. Only the exchange rate is billed. It takes 1 % above the interbank price².
Conclusion: For regulations by card outside the euro zone, Revolut is slightly more interesting than Boursorama, due to the low commission on the exchange rate. If you have a premium or standard subscription, you will not pay any costs.
Boursorama/Revolut: which is most interesting for transfers ?
On Revolut, local transfers are free of charge. Likewise if you send money to SEPA and Euro zone.
The revolut transfer costs for outside sepa transfers depend on the currency and the place to which you transfer.
Premium customers have the right to an international transfer without an additional commission. Those who have subscribed to the META formula benefit from 3 transfers without surcharge⁵.
Whatever the plan chosen, it will then be necessary to add the 0.5 % of increase on the exchange costs if you exceed the authorized ceiling.
At Boursorama, SEPA transfers are free (€ 5 in agency) ². On the other hand, currency shipments are taxed at 0.1 % (20 € minimum) ². It will then be necessary to take into account the 1 % commission on the exchange.
Difficult to make an objective comparison between the 2 banks for international transfers, because we do not have encrypted data for revolut.
Revolut or Boursorama: which online bank is the best ?
Boursorama not only offers an account offer, but also savings and insurance products. It’s a real bank.
It is certainly flexible, but remains relatively expensive compared to its competitor, because of the increase in the exchange rate. On the other hand, in use it remains cheap, because there is no account of accounting or subscription
Revolut is focused on currency operations. Thanks to the use of the interbank rate, the prices on withdrawals/payments/transfers outside the euro zone are competitive.
Another advantage: the neo -bank offers a tailor -made offer, with 4 subscription formulas. So you will not have to pay for services that you do not use. It is quite possible to use revolut for free.
In general, Boursorama is more interesting than revolut as long as you stay in the SEPA zone, because there is no costs on withdrawals, whatever the distributor where you take money.
As soon as you do currency operations, Revolut is more competitive, especially if you decide to take a subscription.
Wise: an alternative to Revolut for foreign currency operations
Wise is a payment operator that makes it possible to make transfers, withdrawals and payments to currency at the interbank rate.
But, unlike revolut, there is no subscription: the opening and account holding are free. Only the card is paid: € 7 of shipping costs.
With Wise, you have a payment solution as flexible as revolut, but more economical in the long term.
- Revolut pricing grid
- Boursorama rates – withdrawal fees, cost of a non -separate transfer and card prices (p. 9), exchange rate (p. 11), cost of a separate transfer (p. 6)
- Comparison of revolut plans
- Revolut help
- Revolut FAQ
Check for the last time on October 18, 2021
This publication is provided for general information only and does not aim to cover all aspects of the subjects it deals with. This is not the only source of advice on which you should rely. You must obtain professional or specialized advice before taking, or to abstain, to make any decision on the basis of the content of this publication. The information contained in this publication does not constitute legal, tax advice or other professional advice from Wise Payments Limited or its affiliated companies. Past results do not guarantee a similar result. We do not make any declaration, guaranteed, express or implicit, that the content of the publication is exact, complete or up to date.
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Boursorama vs revolut: comparison 2023
Boursorama and Revolut seem at first sight to be very different, whether in their concepts or their origins. On the one hand, a very complete and efficient French online bank. On the other, a British mobile bank wishing to drop the borders with its innovative features.
➡️ So Boursorama or Revolut ? Which is the best for you ? Answer in our comparison !
Boursorama vs revolut: a Titan duel
✅ Before starting this exceptional match, let’s present the two competitors:
- Purse : The Société Générale online bank and known as the cheapest in France for almost 15 years. It also offers the most interesting loans as well as a full range of banking investments.
- Revolut : an innovative neobanque born in England offering a free account with virtual card as well as very practical functionalities internationally. The mobile bank exceeded 20 million customers in 2022.
➡️ Let’s start the first round with the base: the banking offer. ��
Boursorama or Revolut: the banking offer
| Purse | Revolut | |
|---|---|---|
| Current account opening conditions | Moral or physical person Major Already having a bank account (RIB) Domiciled in France | Moral or physical person Major or minor Already having a bank account (RIB) or a card |
| Deposit warranty | € 100,000 | € 100,000 |
| Joint account | ||
| Minor current account | If a parent is a customer | |
| Professional account | ||
| Open to foreign tax residents | ||
| Asked documents | 1 Proof of identity 1 rib 1 tax notice (for deferred debit) | 1 Proof of identity |
| Deposit at the opening | From € 50 to 300 € to activate the card | 10 € |
| Average time to open the account | 10 working days in total (2 weeks) | 5 minutes |
| Free bank card | under conditions | |
| Virtual card | ||
| Check | ||
| Bank check | ||
| Check | by mail | |
| Specific deposit | ||
| Immediate transfer | free | |
| Welcome offer | Boursorama Bank: € 100 offered | Revolut: € 10 offered |
The banking offer of neobancs: a subscription story
Boursorama’s accounts and its cards are free, except incidents. For its part, Revolut offers different accounts ranging from 100% free with virtual card to the prestigious Revolut Metal account. It allows you to take advantage of all the features of the neobank and exclusive advantages.
✅ Here are the 4 revolut banking offers in short:
- Revolut Standard (free): a Mastercard virtual account and virtual payment card abroad abroad. Perfect for trying the mobile bank.
- Revolut More (€ 2.99/month) : you benefit from a customizable physical card, access to the sub-accounts called “chests” and all revolut features
- Revolut Premium (€ 7.99/month) : The high -end revolut card makes you benefit from travel insurance and discounts for international transfers or the purchase of cryptocurrencies.
- Revolut Metal (€ 13.99/month) : In addition to the prestigious metal card, Revolut Metal offers you the best insurance and cashback on all your payments.
➡️ Just victory for Revolut in this first round ! Its banking offer is the most accessible and unless you really need a checkbook, the mobile bank is completely recommendable. Especially since it allows you to have a real French rib since 2022.
�� Boursorama: 0 – Revolut: 1
10 € offered by Revolut
Boursorama or Revolut: bank cards
Revolut Standard
- Price : Free
- Ceiling : € 100,000/month
- Mastercard ~ Classic
- Speed
- Incommensurate
- Free payments abroad
- Free withdrawals abroad
- Insurance (correct)
- Virtual card
- Cashback
10 € offered !
Boursorama Welcome
- Price : Free
- Ceiling : € 1,000 to € 5,000/month
- Visa ~ Classic
- Systematic authorization
- Incommensurate
- Free payments abroad
- Free withdrawals abroad
- Insurance (correct)
- Cashback
100 € offered !
Revolut Plus
- Price : € 2.99/month
- Ceiling : € 100,000/month
- Visa ~ Classic
- Speed
- Incommensurate
- Free payments abroad
- Free withdrawals abroad
- Insurance (correct)
- Virtual card
- Cashback
- Cryptocurrency
10 € offered !
Boursorama Ultim
- Price : Free under conditions
- Ceiling : € 2,500 to 20,000 €/month
- Visa ~ first
- Delayed flow / flow
- Incommensurate
- Free payments abroad
- Free withdrawals abroad
- Insurance (good)
- Cashback
100 € offered !
Revolut Premium
- Price : € 7.99/month
- Ceiling : € 100,000/month
- Visa ~ first
- Speed
- Incommensurate
- Free payments abroad
- Free withdrawals abroad
- Insurance (correct)
- Virtual card
- Cashback
10 € offered !
Boursorama Ultim Metal
- Price : € 9.90/month
- Ceiling : € 5,000 to € 50,000/month
- Visa ~ first
- Delayed flow / flow
- Incommensurate
- Free payments abroad
- Free withdrawals abroad
- Insurance (very good)
- Cashback
100 € offered !
Revolut Metal
- Price : € 13.90/month or € 139/year
- Ceiling : € 100,000/month
- MasterCard ~ Premier
- Speed
- Incommensurate
- Free payments abroad
- Free withdrawals abroad
- Insurance (good)
- Virtual card
- Cashback
- Cryptocurrency
10 € offered !
➡️ Boursorama takes revenge for this second round: Revolut clearly cannot compete with free Ultim card insurance. Even his metal card does not make the weight in front of Ultim Metal, except for the payment ceilings. The Boursorama metal card is also the only one available in delayed flow (under conditions).
�� Boursorama: 1 – Revolut: 1
Up to € 100 offered when opening a Boursorama account
Focus on card insurance
| Purse Welcome | Purse Ultim | Purse Ultim Metal | Revolut Standard | Revolut More | Revolut Premium | Revolut Metal | |
|---|---|---|---|---|---|---|---|
| | | | | |  | |
| Travel cancellation | |||||||
| Luggage insurance | |||||||
| Travel accidents | |||||||
| Civil liability abroad | |||||||
| Vehicle rental | |||||||
| Insurance of means of payment | |||||||
| Snow and mountain | |||||||
| Purchasing guarantee | |||||||
| Offer | Boursorama Bank: € 100 offered | Boursorama Bank: € 100 offered | Boursorama Bank: € 100 offered | Revolut: € 10 offered | Revolut: € 10 offered | Revolut: € 10 offered | Revolut: € 10 offered |
Insurance, assistance and guarantees of the best black cards100
➡️ Large Victory of Boursorama which comes up : Even the entry -level Welcome (free) card offers you insurance in the event of accidents abroad. Conversely, Revolut only assures you with his paid cards and less well than Boursorama.
�� Boursorama: 2 – Revolut: 1
Up to € 100 offered when opening a Boursorama account
Boursorama or Revolut: Placements and investments
| Purse | Revolut | |
|---|---|---|
| A booklet | ||
| Ldds | ||
| Young booklet | ||
| Pel | ||
| Cel | ||
| Specific booklets | ||
| Life insurance | ||
| Retirement savings plan (PER) | ||
| Ordinary securities (CTO) | ||
| Pea | ||
| PEA-PME | ||
| Cryptocurrencies | ||
| Welcome offer | Boursorama Bank: € 100 offered | Revolut: € 10 offered |
➡️ Online bank crushes its rival ! Almost all French investments are available at Boursorama whose booklet A, life insurance, PER or PEA. Thus, you can easily group all your investments in the same place. For its part, Revolut only offers you a title account allowing you to buy raw materials or cryptocurrencies, even if a paid booklet is announced.
�� Boursorama: 3 – Revolut: 1
Up to € 100 offered when opening a Boursorama account
Boursorama or Revolut: credits
| Purse | Revolut | |
|---|---|---|
| Personal loan | ||
| Auto / motorcycle loan | ||
| Student loan | ||
| Work loan | ||
| Mortgage | ||
| Welcome offer | Boursorama Bank: € 100 offered | Revolut: € 10 offered |
➡️ Impossible for revolut to beat Boursorama in the field of credit: The bank offers among the best borrowing rates for its personal or real estate loans. Without forgetting the frequent promotions allowing you to take advantage of a improved rate.
�� Boursorama: 4 – Revolut: 1
Up to € 100 offered when opening a Boursorama account
Boursorama or Revolut: Application and features
The Boursorama Banque application
The Boursorama application is at the forefront of ergonomics And constantly updated as shown by his excellent notes on the AppStore (4.8/5 on almost 160,000 reviews) or Google Play (4.8/5 on almost 80,000 opinions).
✅ The Boursorama application is particularly pleasant to use thanks to:
- Management of your bank card : ceiling modification, blocking/unlocking, deactivation of contactless or recovery of your PIN code.
- Stock market monitoring directly from your mobile.
- The aggregation of your external current accounts To have an overview of your assets.
- The categorization of your expenses For better management of your budget.
Up to € 100 offered when opening a Boursorama account
✅ Revolut reviews in the Apple Store are excellent overall with a score of 4.8/5 out of 140,000 reviews. But the Google Play version is not to be outdone with 4.6/5 on more than 2 million opinions !
Customers welcome the impeccable ergonomics of the application and the absence of bugs. Negative returns are special cases that seem rather rare: blocking of the account for reasons of conformity or an identity document not recognized for registration.
✅ Revolut has very practical features such as:
- The creation of sub-accounts or “chests” in any currency (even in crypto) in order to save or pay expenses, alone or with several.
- International transfers at the best prices: They are even free between revolut customers.
- An automatic savings option : your card payments are rounded up to the upper euro, the difference is placed in a dedicated “trunk”.
- Precise monitoring of all your subscriptions : the application automatically detects them and allows you to terminate them in a few finger tapping
10 € offered by Revolut
Boursorama vs revolut: features
| Purse | Revolut | |
|---|---|---|
| Instant transfer | ||
| Cashback | ||
| Jackpot | ||
| Transfer by SMS | ||
| Automatic savings at the upper rounding | ||
| Virtual card | ||
| CB account recharging | ||
| Aggregation of external accounts | ||
| Automatic categorization of expenditure | ||
| Welcome offer | Boursorama Bank: € 100 offered | Revolut: € 10 offered |
➡️ Revolut reduces the gap ! The mobile bank has bet everything on new technologies which gives it one step ahead of French online banks. It is even one of the most innovative, see. Our comparison of the best mobile banks.
�� Boursorama: 4 – Revolut: 2
10 € offered by Revolut
Who at the best customer, Boursorama or Revolut service ?
✅ Boursorama Customer Service consists of a team of advisers for your daily operations, and experts to support you on more technical subjects: scholarship, life insurance and credits.
Located in Boulogne-Billancourt, the customer service team can be reached by phone (green number), From 8 a.m. to 7 p.m., Monday to Friday and until 4:30 p.m. on Saturday. But also by instant messaging, email or mail.
✅ Revolut offers customer service that can be reached 24 hours a day and 7 days a week. You can contact him by email, instant messaging or via social networks. I excluded the phone because it is an automatic standard that will not be of great use to you. Note that paid users benefit from priority access to customer service. Nevertheless, French -speaking advisers are not always available and it is better to know how to speak English if necessary.
➡️ The neobank Revolut narrowly tears this last round : Boursorama is not particularly recognized for the quality of its customer service while that of Revolut is constantly reachable. Even if you should not need it as the application is easy to use.
�� Boursorama: 4 – Revolut: 3
10 € offered by Revolut
Conclusion: Boursorama or Revolut ?
�� Despite a revolut burst at the end of the match, Boursorama finally won it Faced with the British mobile bank on a score of 4 to 3. Nevertheless, Revolut can be favored according to your profile and your needs.
➡️ In which case to choose Boursorama or Revolut ?
✅ Choose Boursorama if you recognize yourself in one of these proposals:
- You need funding, whatever the project: consumer goods, real estate, investment ..
- You appreciate having all your investments and investments in the same place.
- You are looking for the best free premium bank card or a delayed debit metal card.
Up to € 100 offered when opening a Boursorama account
✅ You can choose Revolut if:
- You need to change currencies or international transfers whether personal or to travel.
- You are looking for innovative and practical investment solutions for raw materials, cryptocurrencies or actions.
- You appreciate having very comfortable payment ceilings (€ 100,000/month).
10 € offered by Revolut
Faq
Who is behind Boursorama ?
Boursorama is a subsidiary of Société Générale. You take advantage of the seriousness and the guarantee of a large banking group to combine safety, reliability and quality of the processes.
Who is behind Revolut ?
The Revolut Mobile Bank is an independent English fintech. After Brexit, his company Revolut Payments UAB obtained a banking license from the Lithuania bank to guarantee the deposits of its European customers up to € 100,000.
Revolut or N26 ?
Revolut or Lydia ?
Boursorama or BforBank ?
All details are in our comparison: Bforbank or Boursorama ?
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.
Comments
January 12, 2023
There are errors :
Revolut: It is possible to have a standard action account (CTO) !
Boursorama: There is no longer a telephone customer service … only by email.
January 13, 2023
Hello Kassiopé,
Indeed for Revolut, little shell, it’s corrected. ��
On the other hand, Boursorama always has a commercial service reachable by phone: 0 800 09 20 09 (Green number) Monday to Friday, 9 a.m. to 7 p.m. and 4:30 p.m. Saturday.
January 25, 2023
Thank you for this comparison. With Revolut, difficult to do instant transfers with IBAN in LT, systematically refused by LCL or CA! What is the parade?
January 25, 2023
Hello Thierry,
For the LCL, we must add Lithuania as a country authorized for transfers. I don’t know if it is possible for the CA.
Otherwise I use Lydia as an intermediary for transfers and above all, I recharge my revolut account with my bank card since it’s free.
Nevertheless, discrimination at IBAN being normally prohibited, you can always try to talk about it with your advisor and thus definitively register your Revolut IBAN as an authorized beneficiary.
The Boursorama application is horrible, any action opens a super unpleasant web player to use.
To have both banks, I chose to use mainly revolut because it is much easier to manage your money thanks to all its features.
We can also add that Société Générale (Boursorama) is the 2nd most polluting bank in France, in addition to being responsible for certain economic crises ..
February 27, 2023
I confirm Boursorama has no more customer service on the phone but only an Elliott robot for some time, a nightmare if we have a question. I have been a client since 2008 and is seriously thinking of changing banks because of that!
I agree. Elliott does not understand anything what is asked and when you send an email, the answer is not the one waiting. It would be better to speak with an advisor.
July 16, 2023
Good morning,
I am in New Caledonia and my child has just left for Australia for studies.
I would like to make her transfer to an account in Australia but not have a cost or very little.
Can it open a revolut account since there ? But I just read that you can’t make a transfer from the C.A or I have my account but also one in NC and I think we cannot also.
how to do ? What to advise me please ?
With Revolut possible to make payments and withdrawals at no cost ?
THANKS
July 19, 2023
Good morning,
Yes Revolut can be an excellent solution to send money to Australia. The easiest way would be that you both opened a revolut account because the transfers are free of charge and instantaneous between revolut customers.
You could also find interesting solutions in this article: Best Bank Card to travel free of charge abroad in 2023. For example with Wise.
More info on revolut here: revolut in 2023: test & full review
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Revolut wants to compete with Boursorama and traditional banks
The British neobank has set itself the aim of reaching 100 million customers in 2025. To do this, it expands its offer and will offer consumer credit in France at the end of the month. She thus intends to measure herself at traditional banks.
Posted on May 23, 2023 at 3:09 p.m. Updated on May 23, 2023 at 16:11
Revolut wants to enter the big leagues. The British neobank, present in around thirty countries and which already claims to serve 28 million customers in Europe, no longer wants to compete with its peers like N26, but intends to tackle online banks like Boursorama and even traditional banks like Agricultural credit.
To achieve this, Revolut intends to become the main bank of its customers, the one where their salary lands every month. After launching its reacted account offer in April, the establishment intends to extend its range. From May 30, he will offer consumer credit in France to his customers for loans of 1.000 to 50.000 euros over a period of up to 84 months.
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