The best online banks without income conditions, which online banks without income condition?
What online banks without income condition
Hello Bank! : Take advantage of 180 € offered with Hello Prime and Hello One !
The best online banks without income conditions
Free and free income cards, it exists ! Beware, however, of the great announcements that could disappoint you: hidden costs, insufficient customer service, compulsory deposit with a staggering amount … We are sorting for you best online and neo-ban banks who do not include income in their offers.
- Online banks are traditional banking establishments carrying out their activity mainly on the internet.
- Neo banks are financial institutions without physical agencies, very flexible, and above all brought to innovation.
�� Where to open a bank account without income ?
Bank card offers are diverse, and multiply. Some require a regular financial contribution from the customer, while others expand their customers by offering Bank cards without income conditions, and sometimes free. In all cases, keep in mind that there are counterparts to attractive offers promising free and lack of financial contribution: compulsory regular payments, limited customer services, hidden costs, etc. Must therefore Find out about the offers of online banks/neo banks Before venturing into a questionable contract.
�� Discover Advanzia Bank
���� Online banks or neo banks: comparison of bank cards without income
In recent decades, new forms of Internet banking services, proposed by what is called Online banks, Then The neo-banks. Dematerialized, this type of bank benefits from money savings due to the absence of physical agencies, to offer often more affordable offers, and intended for a wider audience (young, banking prohibitions, etc.). Seeing the opportunity spring before their eyes, Traditional banks have perforated this market by developing exclusively online subsidiaries : For example, Hellobank! is a subsidiary of the BNP Paribas, And Eko is owned by the Agricultural credit.
Online banks and neo banks: what difference ? Confusion between the two is not a serious error, but it is better to know how to make the distinction. Neo banks and online banks both offer banking services on the Internet, But they do not have the same status. Online banks are traditional banking establishments like Société Générale, but which are mainly on the Internet, while neo banks are financial institutions without physical agencies, very flexible, and above all worn towards the innovation. To illustrate, Purse And Fortuneo are online banks, and Revolut And N26 are rather considered neo banks.
�� Our top free bank cards without income
Few banks offer bank cards without proof of income. For example, Bforbank requires possession of 1600 € net income per month for the opening of an account with a free card. To help you find the best possible offer, we offer a list of few banks that offer Free bank cards… And without income conditions !
- No income condition
- Innovative mobile application
- Budget monitoring and expenditure analysis
- Livechat assistance
- No income condition
- Innovative mobile application
- Innovative management tools
- Reduced costs abroad
- No income condition
- Mastercard insurance included
- Possible withdrawals and deposits in the partner nickel points
- No income condition
- Payments and withdrawals at no cost abroad
- Unlimited and free ephemeral virtual cards
- Mastercard insurance included
- No income condition
- Overdraft
- Recurrent promotional offers
- Reduced costs abroad
- Visa Classic Insurance included
- No income condition
- Telephone customer service
- Withdrawal at no cost all over the world with the BNP network
- Check delivery service available
�� Discover Advanzia Bank
- No opening and processing costs
- No commission on payments and withdrawal in the € or excluding zone area €
This table presents you The rare offers of bank cards which are both free, and who do not require income when creating the account. That being said, there are a number of neo banks and online banks whose account is opened without income conditions and whose card is not free, but whose price remains very low (around 4 € per month). So do not only find out about the free of the banks, but also about their advantages and disadvantages of each, carefully examining them one by a.
Are free blue cards really at no cost ? If some establishments offer free blue cards, There are often banking costs in online banks such as neobancs. For example, Nickel offers a free bank card offer with the Mastercard “nickel card”, but includes bank charges up to 20 € /year.
�� Premier visa or Gold Mastercard without income condition: dream or reality ?
The conditions ofAccess to visa cards And MasterCard above all depend on policies specific to each bank. It is indeed above all the establishments marketing the bank cards which decide the form that contracts take, Visa and Mastercard are only transmitters. For cards of Visa Premier and Gold Mastercard, which are high -end blue cards, it seems very difficult to have access to it below a certain income to be justified with its bank. This type of offer subject to income conditions justify their high prices (about 130 € per year) by advantageous banking services : expenditure and withdrawal ceilings sometimes 4 times higher than conventional offers, more protective travel insurance, customer service available 24 hours a day, etc.
THE Online banks And neo-ban rarely offer Gold Mastercard Or Premier visa Without income condition, they offer premium card formulas which compete largely from the point of view of the advantages, and the price.
For example, the premium offer without any income from income N26 is here N26 Metal : a high -end mastercard whose advantages are strongly similar to those of the Gold Mastercard: withdrawals of unlimited currencies, payment abroad without expense, full insurance package, travel insurance abroad and mountain, insurance Mobile and car rental, etc. In the same way, Revolut And Nickel offer the Revolut Ultra and the Nickel Metal : Premium offers without income conditions.
Neo banks therefore have the advantage of offering high -end bank cards inspired by Gold Mastercard or Visa Premier, and this without income conditions ! For their part, classic banks such as the BNP or the SG (Société Générale) put on the market including conventional visa or mastercard cards, of which The subscription is subject to income conditions…
There are exceptions ! The map Advanzia Gold Mastercard Zero and the Monabanq Visa Premier Card are without income conditions !
✔️Monabanq indeed offers a first visa card offer between 5 and 12 € per month, without income conditions ! Learn more.
✔️Advanzia Bank, For its part, offers a Zero Gold Mastercard card: free and without income condition
�� FAQ
��♂️ can I open an account if I don’t work ?
He is quite possible to open a bank account even if you do not work. What banks are likely to require for certain offers are income conditions, no work. To illustrate, a rentier can completely open a bank account requiring income if its resources are sufficient, when it does not work. Furthermore, there are also many standard offers that require neither professional occupation on the part of the client, nor income, We then talk about the offer of Bank card without proof of income.
For the opening of a savings account like Livret A or LEP for example, which are therefore not linked to a bank card, Banks do not require income, or work, from their customers.
�� How to have a bank card without money ?
Precarious or easy, everyone can have access to a bank card. Some banks accept low initial deposits when granting a bank card to a customer, or offer Systematic authorization cards to prevent the consumer from ruining himself by spending more than he can.
There is a type of card that does not depend on a bank account: the prepaid card ! This card is delivered to you and granted without money ! Its holder must turn money from an account on this card to be able to use it then.
❓ Can everyone have a bank card ?
In principle, it is enough to be of age to have a full -fledged bank card, this is called in France the right. On the other hand, the banks offer alternatives to allow minors to manage their money in a responsible manner under the supervision of their parents. They can then Have prepaid bank cards, Payment cards related to their parents’ account, or debit cards attached to an account belonging to the minor, but with parental expenditure monitoring.
Beyond 18 years old, The consumer can in theory choose the bank card he wants. The more comfortable his financial situation, the more he will be able to access high ranges of bank cards (Visa Infinite, Mastercard World Elite, Black Card, etc.).
In some rare cases, it will be difficult for you to obtain a bank card in France : If you are involved in illegal activities such as traffic, if you are a foreigner only temporarily residing in France, or if you are under supervision or curatorship. For those who would have an eventful past from the point of view of finance management (irregular income, bad credit history, banking prohibitions made to the Banque de France, etc.), access to cards is also complicated.
No fatality ! Some banks such as online and neo-ban banks do not want to miss such a clientele and send dedicated offers to those with complicated past with their banks, By notably offering contracts containing prepaid cards.
�� The offers of the moment ��
What online banks without income condition ?
Many online banks require minimum monthly income conditions to authorize the opening of an account. However, some online banks as well as several neo-banks have chosen to open more access to their services. What are the banks in which it is possible to open an account without justifying your income at registration ?
up to 120 € offered
Monabanq offers you up to 120 € For a first current account opening.
Boursorama Banque offers you Until 100 € For very first account opening.
Up to € 230 offered
Fortuneo offers you up to 230 € For a first account opening.
�� The best online banks without income condition
If the offers are varied in the online banking sector, the Access conditions Also are, in particular with regard to the minimum resources required to open a bank account. Banks can also condition access to certain offers by other parameters than income; For the card to remain free, the bank may request that a multitude of payments or withdrawal be made. In addition, to the income condition can also replace the savings condition.
Here is a comparative table of the best online banks allowing the opening of a bank account Without proof of income.
Online banks selection with an offer without income condition
✔️ up to € 230 offered
✔️ no minimum amount with FOSFO as part of an opening since The Fortuneo app
✔️ 300 € other cards
from 300 €
From 150 €
✔️just that 180 € of advantages
Learn more
Learn more
Welcome offer: ❌
Free
The first deposit is free and capped at 250 €
Learn more
Up to 100 € offered with the Premium card
Welcome offer: ❌
Updated data in September 2023
The other main French online banks, namely Hello Bank! (HELLO PRIME offer), BOURSorama Banque (apart from its WELCOME and Ultim offer), BforBank and Fortuneo Banque, all minimum monthly net income for the opening of an account. On the other hand, traditional banks generally do not impose minimum income.
The zero card: a free gold mastercard card without income condition zero card is a credit card marketed by the Advanzia Bank bank. This is without income condition. Acceptance of the subscription file is left to the assessment of the credit organization and is done on a case -by -case basis. There are no defined conditions. The credit card is a free Gold Mastercard, no cost of opening or processing the file, or commission on payments and withdrawals in the euro zone and excluding euro zone.
The bank offers an optional renewable credit; During payment, the customer can choose between paying “cash” or choosing to pay on credit. The reserve is renewed as and when reimburses*.
*A credit commits you and must be reimbursed. Check your repayment capacity before you commit.
�� Online banks without income condition: their specificities
If some Online banks accept the Accounts openings without proof of salary, They each have very specific conditions to access the free of their services. Review of the main offers offering Accounts and bank cards accessible without minimum resources.
Monabanq: the paid offer
✔️120 € offered
From 3 €/month
✔️ No income condition
Quick online subscription
�� Bank cards ::
- Classic visa card: between € 2 and 11 €/month
- Premier visa card: between 5 € and 12 €/month
- Visa Platinum card: between 11 € and 18 €/month
Prices according to your customer profile
�� 1st deposit ::
From 150 €
�� Benefits ::
- Bank offers without income conditions
- Wide range of banking products
- Available mortgage
Updated data in September 2023
Without compulsory minimum income, without obligation to domiciliation of income and without minimum monthly payment obligation, Monabanq is one of the most accessible online banks on the market. People looking for a job, retirees, temporary workers, intermittent, people without income as employees have the possibility of opening a current account. You still have to make a minimum payment when opening the account (sum which can be taken up after opening the account).
Monabanq remains competitive compared to traditional banks. Moreover, Monabanq was also elected “Customer Service of the Year” in the “Online Banking” category in 2018 and 2019.
Boursorama offers: Welcome and Ultim
The Welcome offer from Boursorama Banque
Welcome
0 €/month
International visa card with systematic authorization
✔️ Immediate debit | ❌ Delayed
✔️ Visa Classic insurance
✔️ A free card without income conditions
✔️ Visa Classic insurance abroad
✔️ Free payments abroad
Updated data in September 2023
Bungeorama Banque, as part of its Welcome offer, does not require Proof of minimum monthly income to its customers. The main services offered with this offer are completely free But subject to minimum use of the bank card. If the customer does not meet this condition and does not use his card, costs will be levied from his bank account.
However, with this WELCOME OFFER OF BOURSORAMA BANK, the Customer has no choice of his bank card and will necessarily be awarded a VISA Classic card to systematic and immediate debit authorization.
Boursorama Banque Ultim offer
Ultim
0 €/month
International visa card with systematic authorization
✔️ Immediate debit | ❌ Delayed
✔️ Visa Insurance Premier
✔️ A free premium card without income conditions
✔️ Visa insurance first abroad
✔️ Free payments abroad
Updated data in September 2023
The Ultim offer, launched in June 2019, is a offer without income condition. Free account, as on the Welcome offer, depends on the use of the card. The Visa Ultim card aims to be a high-end card: this includes the advantages of a first visa card in terms of insurance and assistance and above all, All payments and withdrawals outside the euro zone are free of charge, A first in the offer of online banks.
The ceilings of the card via Ultimate are higher than with the Welcome offer.A Discovered authorized and modularis included in the offer.
Hello Bank! : the hello one offer without condition of use
Hello Bank! : Take advantage of 180 € offered with Hello Prime and Hello One !
Here is the detail by offer:
- One: € 80 offered for any 1st account opening + € 100 in vouchers (for any bank mobility with Hello Start +)
- Premium: 80 € offered for all 1st account opening + € 100 in vouchers (for any bank mobility with Hello Start +) + € 1 per month for 6 months
Take advantage of this offer from August 17 to October 9, 2023
Hello One
0 €/month
International visa card with systematic authorization
✔️ Immediate debit | ❌ Delayed
✔️ Visa Classic insurance
✔️ Free bank card without income condisions
✔️ Fresh removal all over the world in the BNP network
✔️ Check delivery service
Updated data in September 2023
�� Neo-banks: no income condition for these newcomers
THE neo-ban, New players from the “Fintech” – These young financial startups attacking the banking market – also rely on maximum simplicity and ease of access to convince individuals and shake up the traditional banks. Thus, for many neobancs, no need for monthly minimum income to subscribe and open an account.
What is a neo-ban ?
Neo-banks are fully accessible banks through mobile applications. In addition to Simplified subscription to its maximum, and Ultra-competitive prices, The obvious advantage is the possibility for the customer to have his Accounts at hand permanently.
In return, the customer has only a minimum of services with a neo-banque, to a bank account and a bank card. The neobanques do not offer for the most part of savings accounts, credit solutions or even checkmen, even if their offer tends to expand.
Open an account in a neo-banque: simple and efficient
Neo-banks offer many advantages to individuals wishing simply open a current account : fast, few documents to provide and above all without proof And without pay sheets (that’s what interests us here).
As with online banks, a starting payment is generally compulsory to activate its current account. For example, in neo-banque n26 or at Eko by CA, an initial deposit is requested (which remains much lower than that of Boursorama Banque for example).
What neo-banks to open an account without income condition ?
N26: the German neo-banner par excellence
Welcome offer: ❌
From 0 €/month
Discover
✔️ No income condition
Quick online subscription
�� Bank cards ::
✔️ Standard N26 card: € 0.00/month
✔️ N26 Smart card: € 4.90/month
✔️ N26 You: € 9.90/month
✔️ N26 Metal card: € 16.90/month
�� 1st deposit ::
�� Benefits ::
✔️ Bank account offers without income condition
✔️ A free bank card offer (standard N26)
✔️ an intuitive and functional mobile application
✔️ A virtual card available
Updated data in September 2023
Arrival in France in 2016, N26 is essential when we mention the subject of neo-banks. This German digital bank has had great success since its creation in 2013. By offering Very competitive prices and above all a Quick account opening And extremely simplified (only 8 minutes, as N26 claims on its site), this neo-banque quickly imposed itself as a major challenger in the banking world.
This neo-banque is very attractive on its prices: current account at no cost, a free offer, free withdrawals. In addition, the mobile interface of N26 thus allows an intuitive and rapid navigation, where the customer can very easily make a bank transfer, consult his accounts or even block his credit card in the event of a flight.
The only downside price relates to withdrawals made abroad, which are invoiced to the customer on the free version. To benefit from more features as well as withdrawals at no cost abroad, the customer must switch to paid versions.
Nickel: atypical neo-banque in his tobacconist
Welcome offer: ❌
From 20 €/year
Discover
✔️ No income condition
Quick online subscription
�� Bank cards ::
✔️ Nickel card: € 1.95/month
✔️ My Nickel card: € 1.95/month
✔️ Nickel Chrome card: € 4.20/month
✔️ Nickel Metal card: € 8.30/month
�� 1st deposit ::
Free
The first deposit is free and capped at 250 €
�� Benefits ::
- Offer for teens or for spending people who need limits
- Network of tobacconists and nickel points
- Telephone line
Updated data in September 2023
Created in 2012, the Nickel account is also Without income condition and has the particularity of being able to be Open with a tobacconist.
Its slogan “the account without bank”, the opening of a nickel account is very simple and possible with one of the bebunists partner distributed throughout France. The customer will only have to provide a valid identity document, a mobile phone number and buy the nickel box that corresponds to a one -year subscription.
This nickel box contains a mastercard card activated as soon as the account is opened. The customer then activates his account on a nickel terminal made available by the lumberist partner. It is then an agent who validates the account and gives a rib to the future customer. The procedure itself only lasts 5 minutes.
Thus, the Simplicity of account opening And the opening conditions make a nickel a very attractive French neo-ban. However, like C-Zam, the Nickel account does not allow you to be discovered and does not offer credit to its customers. In addition, withdrawals of species to a distributor and the tobacconist are paid.
Orange Bank, the latest arrival of free mobile banks
Welcome offer: up to € 100 offered with the Premium card
From 0 €/month
Discover
✔️ No income condition
Quick online subscription
�� Bank cards ::
✔️ Standard card: 0 €/month
✔️ Premium card: € 7.99/month
✔️ Premium pack: € 7.99/month For 3 months then € 12.99/month
�� 1st deposit ::
�� Benefits ::
✔️ Bank costs among the most advantageous on the market
✔️ Cashback on orange equipment
✔️ Discovered authorized
Updated data in September 2023
The brand new online bank of the Orange Bank telecoms giant does not require minimum income to its future customers. In addition to this lack of income condition, This online bank offers Free of its services If the customer performs a number of bank card operations each month.
Revolut: the English competitor of N26
✔️ 3 months of premium subscription offered
from € 0.00/month
✔️ No income condition
Quick online subscription
�� Bank cards ::
✔️ Standard revolut card: 0 €/month
✔️ Revolut card Plus: € 2.99/month
✔️ Revolut Premium card: € 7.99/month
✔️ Revolut Metal card: € 13.99/month
�� 1st deposit ::
�� Benefits ::
✔️ Unlimited ephemeral virtual cards
✔️ Bonus: Pockets + Cashback
✔️ Free account with French RIB open in a few minutes
✔️ Efficient tools for budgeting and expenditure analysis
✔️ Discounts and cashback on major brands (Nike, Amazon, Adidas, etc.)).
✔️ withdrawals and payments abroad free of charge and at the real exchange rate, within the limits of your subscription
Updated data in September 2023
Direct competitor of N26, Revolut is a British neobank created in 2015 and whose ambition is to be “a simple and intuitive platform to use and manage your money around the world” for its creators. The offers of the neobank are accessible without income condition and the free current account does not depend on the use of the card.
Eko by Ca: the neo-banner of Crédit Agricole
Welcome offer: ❌
From 2 €/month
Discover
✔️ No income condition
Quick online subscription
�� Bank cards ::
✔️ EKO: € 2/month
✔️ EKO GLOBETROTTER: 2 €/month
�� 1st deposit ::
�� Benefits ::
✔️ A low price offer
✔️ Standard mastercard insurance abroad
✔️ Physical agency and advisor
Updated data in September 2023
Launched by the Giant Crédit Agricole in 2017, the neo-banque Eko by CA is one of the latest digital banks arrived on the market. She too offers Very competitive bank rates. Crédit Agricole offers an offer for travelers Between 18 and 30 years old. Its customers benefit from a International mastercard with immediate debit With MasterCard insurance and assistance, access to the Crédit Agricole counter as well as a bank advisor if necessary. Finally, customers take advantage of withdrawals and payments at no cost abroad.
Eko does not impose No minimum income condition, and offers a current account accessible and open to all. All withdrawals made in a Crédit Agricole distributor are free. EKO account holders have the possibility of accessing the services of Agricultural Credit Agencies : checks for checks and species, go to an advisor, automatic samples, transfers and a small checkbook . Eko by Ca is the Perfect combination of a neobank and a traditional bank.
�� Online and neo-banks: actors of opening up to everyone in the banking world
Today, many solutions are available to individuals to avoid the conditions of income imposed by certain online banks. Whether for lack of sufficient income or simply by choice not to domicile your income from this or that online bank, to open an account in a digital bank has never been easier and quick. In general, the arrival of new generation online and mobile banks or neo-banks contributes to the democratization of the banking world which opens up to everyone, for extensive access to basic financial services.