What are the best traditional banks for pros

Monabanq propose a bank account without income and adapted to all including students, job search or more modest income. It is especially the most awarded customer service: “Elected customer service of the year” for 5 consecutive years !

What is the best traditional bank in 2023 ?

With more than 36,000 banking agencies throughout France, you have a wide choice of traditional banks. Favor physical banks for your important projects. Discover the ranking of the best banks with agencies in France in 2023.

�� What is the best physical bank in 2023 ?

According to society “Viséo Customer Insights“Which rewards the quality of customer services by sector of activity since February 2007, Société Générale received the “Elected Customer Service” award In France in November 2022. This is already the 9ᵉ title for the big French bank.

Here are the main assets of the French bank:

2,200 agencies in France: With so many agencies present in the territory, it is difficult not to find one near you;

Founded in 1864: It is a trusted bank that has existed for a long time and has already proven itself;

1.665 billion: This is the total asset held in 2021 by the French bank, making it the 20ᵉ largest bank in the world (*)

�� I open an SG account

⚖️ Comparison of physical banks: the best traditional banks on the market

It is difficult to know which bank to go When you want to open a bank account or change the bank. Comparabanques compared for you Banking giants present in France.

With SOBRIO offer:

• Visa Evolution : € 7.20 per month
• Visa Classic : € 7.90 per month
• Premier visa : € 14.90 per month
• Infinite visa : € 27.90 per month

Google Play note: ⭐ 4.0/5
Apple Store note: ⭐ 4.7/5

• Origin card: € 6.46 per month
• Visa Classic card: € 6.97 per month
• Premier visa card: € 14.99 per month
• Infinite visa card: € 31.17 per month

Google Play note: ⭐ 3.1/5
Apple Store note: ⭐ 4.6/5

Welcome offer: ❌
Price: see conditions relating to the regional fund

• EKO: € 2/month
• Trotting gob: € 2/month
• Essential: price according to the regional fund
• Premium: price according to the regional fund
• Prestige: price according to the regional fund

⭐ Trustpilot: 2/5
⭐ App Store: 3.6/5
⭐ Google Play: 1.9/5

Selection of partner banks with comparabanques. Banking ranking according to customer reviews in September 2023.

�� Classification of the largest traditional banks

Traditional French banks represent a significant part of the world banking market. Here is the ranking of the biggest physical banks in turnover.

Table of the biggest traditional banks

�� Banks	�� Turnover (in billion)	⚖️ Global ranking
BNP Paribas	2.905	9th place
Agricultural credit	2.674	10th place
BPCE	1.724	20th place
SG	1.665	21st place

Classification of turnover banks in 2021 according to the S and P Global Market Intelligence.

�� BNP Paribas is French bank number 1 in turnover. With major international importance, it inspires confidence and security to its customers all over the world.

�� I open a BNP Paribas account

�� How to find a cheap physical bank ?

Faced with the arrival of online banks and neobancs on the banking market, traditional banks have had to adapt in order to offer modern and quality banking services.

Here are the points to consider in your search for a cheap physical bank.

1. Take stock of your financial situation.
2. Compare the different offers on the market.
3. Among the various banks, choose an adapted bank card offer, many online banks offer free cards.

Among the many traditional banks, Société Générale offers One of the cheapest offers with the Kapsul offer for € 2/month and an international card with Visa Travel Assistance.

�� I open a kapsul account for 2 €/month

�� Why choose a traditional bank ?

Choosing a traditional bank is choosing proximity and the possibility of having your own advisor to listen to you. In addition, if you are not sufficiently comfortable with digital tools, A physical bank will suit you perfectly.

here are the Advantages and disadvantages present for a traditional bank.

• Proximity to physical agencies everywhere in France
• Face -to -face
• Investment advice
• Check
• Liquid
• Confidence establishment, fund security
• International withdrawal counters
• Student loans
• Real estate loans

• High fees
• Poorly developed mobile applications
• Fairly long bank account opening with many supporting documents
• Paid instant transfers in the majority of cases

�� FAQ on traditional banks

�� Can we find a welcome offer with traditional banks ?

Yes, traditional banks also offer welcome offers when opening a account at home. This is the case for the Société Générale which offers € 80 welcome as well as BNP Paribas which offers € 80 in more than a year of free on their “Free Spirit” subscription.

�� I open a BNP Paribas account

�� How to change traditional bank ?

Since the Macron law of 2015, banking establishments have for obligation to close your account within 30 days after receipt of your termination request. Use bank mobility if you want your new bank to take care of the procedures for you.

�� What is the difference between an online bank and a traditional bank ?

An online bank does not have physical agency unlike a traditional bank. In addition, online banks offer services with very little, or even no fees.

�� Good deals ��
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The most read finance guides

1. Change bank: procedures, user manual and deadline
2. Free bank card: Find the best offers !
3. Black Card: What conditions to obtain a black card ?

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What are the best traditional banks for pros ?

Much more than a compulsory approach to indulge in RCS, the opening of a professional bank account is practical to manage the finances of a company. In this sense, it is crucial to contact the good bank in order to benefit from a service adapted to its needs and its budget. However, the choice remains difficult given theabundance of banking offers on the market, especially with the arrival of online banks and neobancs. If the latter gain popularity in the digital era, traditional banks are still a safe bet. Often subsidiaries of large groups, they benefit from strong notoriety and expertise. In addition, they have a size advantage in with physical agencies to accommodate customers. Opening a bank account with a network bank therefore proves to be an interesting option for professionals looking for reliability and human contact. For this, they have the choice between several conventional establishments. This article goes around the main traditional banks in France as well as their offers for professionals.

Compare pros banks

BNP Paribas

Created in 1822, BNP Paribas is one of the oldest banks in France. Today, it is positioned as one of the renowned banking establishments in the world. Indeed, this commercial bank has nearly 2,000 agencies in more than 56 countries. In addition to its headquarters in Paris, it is also active in Canada, the United States, Argentina, Japan, the United Arab Emirates and many more. Which makes her a reference bank to carry out international transactions. In addition to his physical agencies, BNP Paribas also offers online services. Thus, professionals can carry out operations from the bank’s site or mobile application to gain mobility. Better yet, the traditional bank also has its own online bank: Hello Bank.

BNP Paribas supports nearly 80,000 professional customers and businesses. Bank services are accessible to everyone, whether independent entrepreneurs, traders, craftsmen and liberal professions. Moreover, the traditional bank sends two packages of services to professionals: free professional spirit and pro health solution.

Free pro spirit

The ProP Esprit offer brings together all banking services for companies achieving an annual turnover less than or equal to € 900,000 excl. Accessible with a monthly subscription of € 40 excl. Tax, the free spirit formula includes:

• A Visa Business or Gold Business card to make withdrawals and payments in France and abroad
• two permanent transfers per month
• account holding (monitoring, processing of decrees, account statements, etc.)).

By leaving this offer, the professional can at any time consult and manage his accounts. Indeed, BNP Paribas remains accessible 24 hours a day, whether by phone or online.

Pro health solution

The Solution Pro Health offer is specially dedicated to liberal health professionals. For € 31.50 per month, the Customer benefits from the services included in the PRO free spirit formula, that is:

• A Visa Business or Gold Business bank card
• two permanent transfers
• account holding.

In addition, this option allows Rent electronic payments at a lower price. The professional also benefits from a cash credit to meet urgent financial needs.

Additional services

In addition to basic banking services, BNP Paribas also offers financing, savings and insurance products. By opening an account in this traditional bank, the professional can:

• constitute and enhance its capital
• Place excess cash flow
• obtain a credit to create your business, support your cash or finance an investment
• take out insurance of goods and people.

Agricultural credit

With around 53 million customers worldwide, Crédit Agricole is one of renowned banking players in Europe. It is One of the oldest banks in France since it has existed since 1894. Today, it stands out as the first European proximity bank. In France only, it covers the territory with 5,897 agencies and around forty regional funds. Apart from its physical offices, this traditional bank also offers 100 % dematerialized services through its subsidiaries: the neobank blank and the online pro account propels by ca.

Agricultural Credit Pros

THE Crédit Agricole accepts all legal statutes. Auto-entrepreneur, companies (EURL, SARL, SAS, SASU, SCI), association, all structures can open a professional account at Crédit Agricole. In fact, the bank offers a wide range of banking products for professionals and businesses.

Like competition, Crédit Agricole offers a group offer: the professional composer account. This includes current banking services such as: account holding, payment solutions (Mastercard Business or Business Executive, Chequier, SEPA or non-SEPA) and collection means (payment terminal, checks, transfers no separate).

The traditional bank completes its offer with financing, savings and insurance products. Thus, entrepreneurs and companies can:

• finance the start of a professional activity thanks to the pro launcher loan
• Get a professional loan to support the development of their activity (cash credit, leasing, factoring)
• Access savings solutions (cash investment, retirement savings, employee savings, life insurance)
• take out borrower insurance as well as insurance of goods and people.

Agricultural credit rates

Each regional body has its own price grid. You must therefore refer to the price brochure in force of the cash register on which you depend.

To give you an idea, know that an account to compose pro cost from 35 euros per month. As for the account holding costs, they amount between 67 euros and 105 euros per quarter for department 75. Then, you must contribute € 63 per year to have a business mastercard card and € 136 for a business executive card. The first allows you to make up to € 500 withdrawal in 7 days, against a ceiling of € 1,500 for the Mastercard Business Executive card. Likewise, the Mastercard Business card grants a payment ceiling up to € 2,300 per month while the Mastercard Business Executive extends it up to € 6,000 per month.

Societe Generale

With more than 150 years of expertise, Société Générale (SG) is a real reference in the banking sector. Local bank, it covers 11 French regions and has more than 1,700 agencies. This traditional bank also brings a dematerialized solution through its subsidiary Shine. It is an online bank for self-employed, start-ups and small and medium-sized enterprises.

The SG target different categories of professionals, from various sectors : craftsmen and traders, liberal professions, companies (VSE, SMEs, large companies).

Société Générale Jazz Pro offer

The SG offers Its jazz pro offer which includes the essentials for the daily management of a professional bank account. For € 39 per month, you access a full range of services such as:

• financing solutions adapted to your professional needs
• an authorized overdraft
• A free movement commission on debit operations at the limit of € 12,500 per month
• SEPA transfers and samples
• a checkbook
• Checks and species deposits
• the rental of payment terminals
• Insurance products

This formula also gives the advantage of forfeiting accounts costs. In addition, it allows you to manage the pro account independently thanks to remote access from professional space. With this option, you also benefit from personalized support by a dedicated advisor. In addition, you benefit from a 25 % reduction on payment cards as well as pricing advantages on TPE rental and means of payment means. It must be said that the Jazz Pro pack presents itself as an economical solution to reduce the management costs of a professional bank account.

Payment and collection solutions

At Société Générale, all means of payment are authorized. To pay your suppliers, you can pay by check or make SEPA and not separate transfers. You can also use one of the following three professional bank cards:

• Visa Business : a monthly payment ceiling of € 15,300, a withdrawal threshold up to € 3050 over 7 days
• Visa Gold Business : a payment capacity up to € 137,300 per month, a withdrawal ceiling of € 6,100 over 7 days
• Visa Gold Business Class : This card adds the Business Class collection option to the services included in Visa Gold Business. This offers exclusive services to optimize your business trips (taxi booking, reimbursement of the vehicle rental price, access to private Priority Pass trade fairs).

With regard to collection means, Société Générale accepts species, checks, sepa and not separate transfers. It also provides payment terminals to allow you to collect your customers by bank card.

Additional services

By opening a professional account with Société Générale, you access a good number of essential services for the proper development of your activity. On the one hand, this network bank offers financing solutions to support business cash (cash credit, discount, factoring). It also grants loans to allow entrepreneurs to finance work, buy equipment and vehicles or even invest in real estate. On the other hand, Société Générale provides savings products such as: cash investment, the retirement savings plan, the inter-company savings plan. Finally, it is also possible to take out professional insurance with Société Générale. Quitis Pro insurance covers you in the event of fraudulent use of your payment methods. Called human insurance, on the other hand, secures professional activity in the event of the absence or disappearance of a person essential to the proper functioning of the company. Société Générale also offers:

• Multirisque pro insurance
• Management insurance of managers
• Complementary health
• Cyber ​​Risks insurance

The postal bank

A subsidiary of the La Poste group, the Postal Bank has one of the largest agency networks in France. Launched in 2006, it currently has 17,000 contact points and supports more than 20 million professional and individual customers.

Postal banking offers are specially designed to meet the specific needs of each professional. The bank is intended in particular to companies, but also to craftsmen, traders, liberal professions and franchisees.

The pro account formula

La Banque Postale dedicates its professional account formula to craftsmen, traders and liberal professions achieving an annual turnover of less than 3 million euros. This is a professional account associated with a pack of banking products and services, essential for good financial management.

The PO Bank’s PRO account formula includes:

• A Visa Business card to pay professional costs
• Access to net company LBP, the remote banking service, to consult and follow the operations
• Average payment insurance
• A free service for banking mobility

This offer is priced according to the range of chosen card and the subscription to the digital service LBP net company. Thus, the monthly subscription costs 24 € if you opt for a Visa Business card. This price rises at 30 € for a Visa Gold Business card and 35 € for a Platinum Business Visa card.

Banking services for companies

Holding a professional account at the postal bank makes it possible to facilitate current transactions. This traditional bank has several solutions to simplify payments and receipts. On the one hand, you can pay your invoices by transfer (Sepa or not Sepa) or by check letter. Obviously, bank cards are also one of the privileged payment solutions. On the other hand, you have access to various means of collection.

Popular Bank

Created in 1878, Banque Populaire is a mutualist bank which belongs to the BPCE group (Banque Populaire Caisse d’Épargne). With a large network of 3,300 points of sale, it now has 8 million customers, half of which are professionals and companies.

If before, Banque Populaire only welcomes individual entrepreneurs, today, it opens up to other professional statutes and legal forms. Nowadays, this historic bank sets up on the services of self-employed entrepreneurs, sole proprietorships and companies (SARL and EURL, SAS and SASU, SCI). It supports all categories of professionals: liberal professions, craftsmen, traders, farmers, franchises.

Zoom on the Cristal Pro Package

Banque Populaire dedicates its Professional Crystal Package offer to professionals. This package brings together essential banking products and services for the current management of a pro account.

The CRISTAL PRO package is available in three versions to adapt to the needs of each entrepreneur and business:

• THE Essential crystal (a Visa Classic card, an overdraft authorization, remote access, dedicated support)
• THE CONSTRUT (a first visa card, insurance of payment means, an exemption from agios for the first 500 euros in overdraft)
• THE Premium crystal (Cristal Comfort services, access to all high -end cards from the bank, exemption from costs for withdrawals, payments and transfers abroad, an exemption from agios on the first 1000 euros in overdraft).

Payment solutions for pros

Banque Populaire offers various means of payment to pay professional costs. On the menu, it offers bank cards which are particularly useful for paying expenses during business trips. Depending on the needs, you have the choice between:

• The Start Business visa (€ 53.50 per month)
• The Gold Business visa (€ 134 per month)
• The Platinum Business visa (€ 227 per month)

Banque Populaire also authorizes payment by sepa or non -SEPA transfer and deduction. Then, it is also possible to pay the suppliers by check or by commercial effect. Foreign trade players can use documentary credit (Crédoc) to secure international transactions.

Collection solutions for professionals

By opening a professional account with the Banque Populaire, you can use conventional means of collection such as:

• SEPA transfers and samples
• cash deposits
• the checks
• the effects of Commerce

The bank also provides a diverse range of electronic payment terminals to allow you to collect your customers by card in your points of sale or during your trips. In addition, it also gives the possibility of receiving payments remotely thanks to its partnership with Payplug.

Other Banque Populaire services

The opening of an account with Banque Populaire gives access to various financing solutions. Whether to make a project a reality, develop an activity or maintain the cash flow, Banque Populaire can grant loans. Thus, it is possible to obtain a cash facility to adorn the occasional cash offsets or to use factoring to finance the invoices. In addition to cash loans, the bank also grants loans to finance the company’s investments. You can therefore request a furniture leasing to equip yourself or real estate leasing to acquire real estate. Then, if you work in the field of international trade, documentary credit will allow you to secure your transactions abroad.

In the event that the finances of the company are doing well and that it has the surpluses of cash, you can make this money grow by placing it in a term account.

Finally, insurance products are also available from Banque Populaire to secure your activity. Among other things, you can subscribe to the Tradeller-credit insurance to protect the company from unpaid. You can also join key human insurance to cover the financial consequences of the disappearance or disability of a precious collaborator.

LCL

LCL is the fruit of the merger between two banking establishments in 2005: Crédit Lyonnais and Crédit Agricole.

Having as slogan “LCL. My life. My city. My bank ”, LCL is positioned as a local bank with professionals and individuals. In fact, it has a large network of agencies to accommodate its customers. She has 1600 contact points to her credit in the heart of French cities.

This traditional bank is aimed at all professionals, regardless of the regime and legal status. Craftsmen, traders, liberal professions as well as self -employed can open a professional bank account at LCL. The same goes for small and medium -sized enterprises and companies such as SA, SARL, SAS, SA or SCI.

The Pro LCL account

LCL dedicates two choices of pros to professionals: LCL à la carte and the essential.

LCL à la carte pro

LCL à la carte Pro is a personalized banking offer. By opting for this formula, you can freely select the products and services adapted to your activity. To do this, a dedicated advisor can support you in the choice and management of your account. So, according to your needs, you can include in the pack:

• Professional bank cards
• Collection solutions (check for check and cash, online payment, SEPA direct debit, TPE)
• Chequiers
• tailor-made funding
• insurance means of payment
• savings
• LCL PRO and LCL ACCES LCL offers to consult and manage your online account
• the LCL Infined Pro to receive notifications by SMS on the account situation.

This tailor-made formula makes it possible to fix account holding costs according to turnover and legal status. Likewise, it gives the right to discounts on certain products and services.

Offered from € 27 excl. Tax per month, this offer is available in LCL and online agencies.

The essential pro

Essential pro is the 100 % digital LCL pro account. Accessible online and from the Bank’s mobile application, this formula includes:

• An online bank account with French IBAN
• Management services (Editions of quote and invoice, costs of costs, accounting exports, URSSAF declaration)
• unlimited transfers and samples
• Assistance available 7 days a week online
• A Visa payment card with immediate debit

Again, it is available in two versions according to the range of card chosen. Indeed, you have the choice between the Visa Comfort card (8 euros excluding tax/month) and the premium visa card (17 euros HT/month). If the two grant the same monthly withdrawal ceiling (€ 3000), they differ in the payment ceiling, or € 20,000/month for the comfort visa and € 40,000/month for the premium visa. The latter is also associated with insurance of payment and business travel insurance.

Additional services

Opening a pro account with the LCL makes you access additional banking services. Among other things, you can place your cash surpluses on the short or medium term, or even take out employee savings. You can also get funding to support your cash, acquire your equipment or invest in real estate. Finally, the LCL bank also offers insurance products to secure the business activity: borrower insurance, credit insurance, EULER-Hermes contract, Cyber-Attaque insurance, Clé insurance insurance.

Diploma of a mastery of accounting and financial technical sciences (MSTCF) at the IAE of Caen (14) and higher accounting and financial studies (DESCF). Mathieu supports many entrepreneurs.

Comparison of the best traditional & physical banks with agencies ��

You have apprehensions about online banks so you wish to stay within a Traditional bank with agency ? But if you think you haven’t found it yet Perfect physical bank To meet your needs or that services do not suit you, compare The best traditional bank can be essential. It is true that at the center of all these traditional banks present on the French market, it may seem quite difficult to navigate.

Make the right choice while saving on your bank charges by opening your account with one of the Best traditional banks in a few minutes. To best help you in this research, we will answer all your questions such as: how Choose your bank with agency most suited to my needs ? What are The advantages and disadvantages of a physical bank ? What are The best alternatives to a traditional bank ? What is the cheapest physical bank ? Is there a Online bank with agency ?

Consult our comparison of traditional banks with agencies, where we have analyzed the average of the banking costs of each of its physical banks and find out what is The best bank with agency in 2023 made for you.

�� 2023 ranking of the best traditional bank with agency ��

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1. �� Which traditional or physical bank to choose in 2023 ?
   1. �� BNP Paribas: The compromise of an online account with the proximity of one of the best traditional banks
   2. ��SG (Société Générale) and the Sobrio account: the digital offer of a traditional bank
   3. �� Postal Bank: the cheapest physical bank with agencies and open to all
   1. �� Hello Bank! : the alternative between online banking and traditional bank with agency
   2. ✔️ Monabanq: online bank without income condition with the advantages of a physical bank

   �� Which traditional or physical bank to choose in 2023 ?

   Among the many traditional banks present in France and the abundance of offers, it may seem a little difficult to navigate. However, over the years, some traditional banks stand out from others and offer online offers and especially with competitive prices.

   As a banking comparator, we will approach in this paragraph our selection of the best banks with agency offering innovative digital services and where it is possible to open your online bank account and in a few clicks even by being a traditional bank.

   The question therefore arises between all the banks with agencies in our Ile -de -France network: How to choose your traditional bank ? To answer this, here is our selection of the best physical banks.

   �� BNP Paribas: The compromise of an online account with the proximity of one of the best traditional banks

   The very famous bank BNP Paribas is part of our selection of the best traditional banks with agency Indeed this to evolve enormously and offer new services at the forefront.

   

   BNP Paribas brilliantly took the turn of digitalization with its “online agency” offer and the digitalization of the banking offer to be able to meet the expectations of customers most conquered by digital. The online agency of BNP Paribas as its name is a 100% online agency which gives you the assurance of being able to carry out all of your current operations from your computer, your application. and the following advantages:

   • �� 80 € offered For the opening of a bank account
   • A physical bank open to all (students, low income. ) Without income conditions
   • BNP Paribas group expertise
   • 4 types of Visa bank cards to choose from
   • Network of more than 2,000 agencies with A dedicated advisor
   • A wide range of banking products: savings, investments, credits, insurance.
   • Mobile payments with bank cards and compatibility with Paylib
   • A mobile application with good customer returns

   �� And for new customers, a welcome offer where BNP Paribas offers you “free spirit” services for 1 year !

   This bank is a perfect compromise between the online bank and the traditional bank, because by offering good online services while adding its expertise, it is placed as one of the best traditional banks with agency. For more information, do not hesitate to consult our BNP Paribas review !

   ��SG (Société Générale) and the Sobrio account: the digital offer of a traditional bank

   The SG is the second bank which is part of our selection of the best traditional banks with agencies to offer you for 2023.

   Indeed, the SG also has a large advantage in front of online banks, it is to have a network of more than 2,000 banking agencies in France with more than 25 million customers won over by their offers. Like online banks, Société Générale has been ingenious and create an online offer for a classic bank that will meet everyone’s needs.

   This offer is the bank account Sobrio : the traditional bank thus specifically targets individuals with a 100% online bank account. You can become Société Générale customer and have no obligation to move to an agency to open your Sobrio account.

   

   You can still go to an agency for:

   • Remove/remove species,
   • have savings like any bank with physical agency, but on your digital media.

   What is really very interesting with the SG is that it takes the competition made by online banks very seriously and provides a competitive price with its SOBRIO offer and a welcome offer:

   • �� Up to € 80 offered for the opening of a bank account + Sobrio to € 1 per month for 12 months.
   • A bank account From 3 € / month without obligation
   • 0 € account holding fees
   • A wide choice of Visa bank cards
   • A cashback program that allows to recover up to 20% of its purchases
   • Payments and withdrawals around the world
   • Insurance and assistance Theft or loss of keys/papers or in the event of repatriation
   • There manufacturer’s warranty “ extended from your devices
   • SMS alerts for real -time balance monitoring

   You can get help when opening this account by An advisor if necessary in agency or by phone. According to our opinion which is positive in favor of the SG, this bank perfectly combines all the advantages of online banks, but also all the advantages of a traditional bank with a modular offer according to your needs.

   For more information, do not hesitate to consult our SG (Société Générale) opinion !

   �� Postal Bank: the cheapest physical bank with agencies and open to all

   Postal Bank is part of our selection of the best traditional banks with agencies since it has managed to differentiate itself from other banks with agency and adapt to emerging technological new. It’s before all A physical bank with an impressive number of agencies: the 7,600 post offices.

   In addition to the many post offices accessible throughout France, customers can also Consult their postal bank bank account directly from the dedicated customer area on a 24 -hour computer or smartphone.

   Nevertheless, accessibility is what distinguishes the postal bank from other physical banks with agencies since it is without commitments, without income conditions and even accepts banking prohibitions.

   For any 100% online subscription, the Postal Bank offers 6 months to its new customers, And offers them to have access to multiple advantages such as:

   • An account open to everyone with a French RIB
   • Agencies: more than 7,600 post offices
   • A Bank Card International Visa to choose from: Classic, Premier, Platinum or Infinite
   • Chequiers and check deposits and species
   • A Customizable discovery
   • Insurance On payments
   • Mobile app Postal Bank to manage your expenses from your mobile phone
   • A wide range of savings solutions and financial investments (booklets, life insurance, securities account, PEA, etc. ))
   • Access to insurance services (Auto, health, home, family protection, etc. ))
   • Possibility of credits consumption (for all your projects) but also real estate
   • An account formula for minors
   • �� -50% On your Visa Premier card as well as your 2nd bank card (joint account)

   If you want to have more details on this traditional bank, do not hesitate to consult our Opinion La Banque Postale !

   �� Traditional bank comparison or online bank: how to make your choice ?

   Between traditional banks with agencies and online banks, it may seem difficult to make your choice. However, there are certain criteria of choice such as banking costs and customer service made available, but above all you have to list your expectations vis-à-vis your bank. Indeed, you absolutely have to know all of your real needs and your profile before doing Your choice between an online bank or a traditional bank.

   So if one wonders as a choice between the traditional bank or the online bank ? The answer will depend on your expectations as a customer and they may vary according to your profile:

   • Your age : For online banks, it is almost impossible for a minor to subscribe to one of these banks. You must opt ​​for a bank account dedicated to minors (see our comparison of banks for minor),
   • The amount of your income : depending on the amount of your income, the costs of keeping your bank account may change from one bank to another. If you receive an income of less than € 1,000, it is rare that your bank account is completely free as with an online bank,
   • Travel to agency : if you believe you are a person who regularly goes to an agency or not. If this is the case and it is important for you to have a dedicated face -to -face advisor, it is preferable for you to opt for one of the best traditional banks, otherwise try a free online bank in order to reduce drastically your bank charges.

   �� Hello Bank! : the alternative between online banking and traditional bank with agency

   Hello Bank! Being a subsidiary of the BNP Paribas, you can benefit from certain advantages of a traditional bank such as the possibility of depositing species and checks in the dab of the 2,000 BNP Paribas agencies in France.

   With the Hello Bank bank account!, You have :

   • Advantages a digital bank available 24 hours a day,
   • an account Without income conditions andwithout engagement in the time,
   • No account holding fees and a free bank card,
   • Atmosphere of withdrawals,
   • of all banking products: Booklet, life insurance, scholarship, credit or insurance,
   • the choice of the bank card : 2 types of cards (Hello One and Hello Prime),
   • simplified management with Innovative services: contactless, Apple Pay, Paylib.
   • BNP Paribas network : Access to 2,000 network agencies for checks for checks and free species,
   • Customer service and Advisers available 6 days a week By phone, email, cat or even social networks.

   Opt for Hello Bank! it is to subscribe to a Online bank with innovative services benefiting from a traditional bank services.

   �� Right now for new customers: 80 € offered for any hello one and Hello Prime account opening !

   ✔️ Monabanq: online bank without income condition with the advantages of a physical bank

   Monabanq propose a bank account without income and adapted to all including students, job search or more modest income. It is especially the most awarded customer service: “Elected customer service of the year” for 5 consecutive years !

   

   One of the main advantages of Monabanq compared to an online bank is that you can Place species and checks in the CIC 2,000 counters and also from the 5,000 ATMs in Crédit Mutuel in France As if you were a customer of a traditional bank with agencies.

   With online bank, Monabanq, you can get:

   • An online bank account for all Without income and use conditions and without obligation of monthly payments
   • Competitive prices and Very value for money: without hidden fees
   • A “real” Visa Premier bank card unconditional (and not a systematic authorization card)
   • An authorized overdraft As soon as the account is opened and to all new customers
   • A reimbursement of 1% in the form of cashback on each payment by bank card
   • Customer service available from 8 a.m. to 9 p.m on weekdays and 4 p.m. on Saturdays

   �� For new customers up to 120 offered For any account opening.

   ✅ What are the criteria for choosing a traditional bank with agency ?

   Traditional banks reassure by having physical agencies and thus being able to use a dedicated advisor despite the rise of online banks. The first criterion that will be decisive for the choice of your traditional banking establishment is your customer profile. Indeed, your choice will differ according to your lifestyle and your profile, which means that your expectations will not be the same according to your way of using your banking services. So, to start you must start by establishing your profile and your financial situation and then taking into account your needs and your possible financial projects.

   In order to choose the physical bank most suited to your needs, you must take into account the following choice criteria:

   • The agency network available,
   • the quality of customer service and agency advisers,
   • agency schedules,
   • banking prices and especially the costs related to exceptional operations,
   • the price of a payment or withdrawal in foreign currency,
   • income conditions to open an account,
   • The different bank cards offered (visa or mastercard) as well as associated insurance,
   • the quality of the banking services offered as well as their rates: savings, insurance, credit, .
   • in some the welcome bonus for new customers up to a hundred euros offered
   • the quality of the application or web interface offered by consulting customer reviews
   • .

   These different elements will allow you to answer the question: which traditional or physical bank to choose ?

   Depending on your profile, you will have more interest in directing yourself towards a traditional banking establishment if you are looking for:

   • A local relationship: Thanks to your physical agency and the possibility of having a dedicated advisor. This will be at your entire disposal and will provide you with monitoring of your financial expenses and projects with a relationship over time,
   • Banque confidence with agencies : What is advantageous on this side is that traditional banks have benefited from their customers’ confidence for much longer than online banks. Even if for some the satisfaction is not 100% at the rendezvous, .
   • More accessible services : as the possibility of applying for credit, being able to file checks, species, or withdraw directly from the agency. You can be accompanied by an advisor if necessary in agency or use very easy -to -use automatic counters,
   • A very wide network of agencies : indeed what is very advantageous with traditional banks is that you will find agencies almost everywhere on national territory.

   The advantages listed above may not be sufficient to make your choice, which is why there are still some criteria to take into account to choose your traditional bank:

   • Bank costs and prices : It is true that unlike online banks, it is impossible for you to find a bank with free agency. Indeed you benefit from proximity advantages provided you pay account holding costs to name a example,
   • Financial products : although online banks offer costs that are more competitive than banks with agencies, certain financial products are not made available. Therefore, you can have an online bank where you cannot open booklets, joint account, specific savings account or an authorized overdraft. These are automatically offered when you go to traditional banking,
   • Services adapted to the target of professionals : a traditional bank has a service and a team to support professionals that A in Z concerning a possible professional project or monitoring of the finance of the company.

   Namely: even if these traditional banks have agencies, you can open a remote account and/or have you accompanied by a telephone advisor.

   �� Conclusion: Choosing the best physical and cheapest bank

   With the emergence of online banks as a stock market on the banking landscape, some traditional banks have reacted by digitizing their offers as is the case of Société Générale and BNP Paribas. But which traditional bank to choose ?

   Our comparison of the best traditional bank aims to help you to choose the cheapest physical bank and especially the bank with agency most suited to its profile. This comparison of the best traditional banks allows you to learn more about online services, the bank cards offered and the bank charges associated with each physical bank with agency.

   If you are looking for agency support and are not comfortable with digital, We cannot advise you to opt for The best traditional bank with agency.

   However, if you want a compromise and an alternative to a traditional bank to reduce your bank charges, you can choose An online bank with the advantages of a bank with agency that are Hello Bank! or Monabanq. Indeed, you can enjoy Checks or species filing in agency (DAB) of the parent company of these 2 online banks.

   As a bank comparator, we find these 2 banks are a great way to test the online bank without completely leaving the advantages of a bank with agency. You can also in any case, test the offer while keeping your account of your traditional bank while waiting to be 100 % convinced by your new bank.