Comparison of free bank cards

Premium card:

Where to find a free bank card ? Our complete comparison !

Fed up for your bank card ? With the arrival of digital banks, free bank cards democratize. Overview of free bank card offers: quickly find the one you need !

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.

�� What online bank offers a free bank card ?

It is common to retain Free bank cards In online banks. These are often packaged on income conditions which may be more or less strict depending on the bank. Our comparison presents a selection of free bank cards as well as their giving and free conditions.

Our selection of the best free bank card offers without income conditions

�� Price and conditions	�� Benefits
Fosfo card

✔️ No income condition

✔️ Accessible card without income condition
✔️ Payments and withdrawals at no cost abroad
✔️ Unlimited and free ephemeral virtual cards
✔️ Mobile payment via Apple Pay, Google Pay, Samsung Pay
✔️ Access to MasterCard insurance and assistance
✔️ Promotional offers (welcome bonus, sponsorship)

✔️ No income condition

• A free offer and without income conditions
• Reduced foreign costs
• Classic Visa Insurance
• Overdraft
• Sponsorship program + generous welcome offer
• Efficient mobile application

✔️ No income condition

✔️ Free bank card without income conditions
✔️ Telephone customer service
✔️ Fresh removal all over the world in the BNP network
✔️ Check delivery service

✔️ Free gold card
✔️ Premium insurance abroad
✔️ Discovered authorized
✔️ Access to all BforBank banking products
✔️ Customer service available 6 days a week

Updated data in September 2023

The zero card: a revolving credit and a free gold mastercard card zero card is a credit card marketed by the Advanzia Bank bank. It incorporates access to an instant (via credit card) and without proof. During payment, the customer can choose between paying “cash” or choosing to pay on credit. The reserve is renewed as and when reimbursments.* The bank card is a free Gold Mastercard, without costs of opening or processing the file, or commission on payments and withdrawals in the euro zone and excluding euro zone.

*A credit commits you and must be reimbursed. Check your repayment capacity before you commit.

�� Free Bank Bank Cards Mobile Banks

Our top 3 of mobile banks offering a free bank card

�� Price and conditions	�� Benefits
Standard N26 card

Learn more

✔️ No income condition

✔️ Free card in e-card version
✔️ Innovative mobile application
✔️ Budget monitoring and expenditure analysis
✔️ LiveChat assistance

Learn more

✔️ No income condition

✔️ Free card
✔️ Discovered authorized
✔️ Insurance of payment means included
✔️ Innovative and efficient mobile application
✔️ Virtual advisor available 24 hours a day, 7 days a week
✔️ no intervention commission

Learn more

✔️ No income condition

✔️ Free card
✔️ little fees abroad
✔️ Revolut junior account
✔️ Innovative mobile application

Updated data in September 2023

�� How to get a free bank card with online banks ?

Boursorama Bank: the free bank card par excellence

Balance Banking, also offers a Free bank card without income conditions But this is subject to conditions of use to stay free. The offers subject to income are not subject to any use of use to stay free.

Welcome
0 €/month

Ultim
0 €/month

✔️ No income condition

✔️ Immediate debit: none
❌ Delayed flow: € 1,500 net of monthly income

from 300 €

Updated data in September 2023

With the Ultim offer, Boursorama Banque has One of the most competitive free market card offers on the market : this guarantees access to a classic but high-end card by its insurance guarantees and the absence of costs abroad with low outstanding conditions and without any minimum monthly payment condition. Just perform an operation per month to keep free, a condition after all flexible. There is No fees abroad.

The boursorama’s Welcome offer, similar, is less competitive since it is accompanied by a Visa Classic card with limited withdrawal and payment ceilings.

If you are interested in Boursorama bank cards, the bank offers a welcome bonus ✔️ 100 € offered to all these new registrants.

Get a free bank card at Fortuneo

To obtain a free bank card At Fortuneo, the customer is subject to income conditions:

Fosfo
0 €/month

Gold Mastercard Fortuneo
0 €/month

World Mastercard Elite Fortuneo
0 €/month

✔️ No income condition

€ 1,800 in monthly net income

from € 4,000 in monthly net income

Free conditions: monthly payment of € 4,000

✔️ no minimum amount with FOSFO as part of an opening since The Fortuneo app
✔️ 300 € other cards

Updated data in September 2023

Get a free bank card at BforBank

To obtain a Free first visa card at BforBank, Several conditions must be respected:

Premier visa
0 €/month

From 150 €

Updated data in September 2023

A Infinite visa card is also available at BforBank, but it is not free.

Get a free bank card at Hello Bank!

Helllo Bank offers an offer of Competitive free bank card since there is no condition of use so that the card remains free. In addition, Hello Bank! has a card for the most modest income and is open to students.

The income conditions are as follows:

Hello One
0 €/month

Hello prime
5 €/month
Choose

✔️ No income condition

from € 1000 in net income per month

Updated data in September 2023

�� Average cost of a bank card

Among traditional banks, the cost of a conventional delayed flow card amounts to an average of € 45.19 per year (-1.26% over one year), against € 43.22 on average for the flow version immediate (+ 2.43%). For a high -end card, you have to pay an average of € 127 per year, against € 303 for black prestigious cards.

Online banks make the difference on account holding costs and the bank card. The account holding costs are zero, while they represent an average annual cost of € 21.33 for customers of traditional banks (+ 2.24 % over one year). There free bank card is also an asset for saving money.

Just add the average account holding costs and the price of a conventional bank card to assess the potential source of saving saving every month each month. However, what is he hiding behind the announcements ? Do online banks really offer free bank cards ? In reality, free depends on compliance with the conditions of income, deposit or use.

Compare online banks to compare online banks and free bank cards in detail, consult our online banks comparison

�� FAQ – Free bank cards

1. Where to find a free bank card ? What online banks offer them ?

All banks offer a free bank card : neobancs as online banks. The banking offer can be paid (as at Monabanq), but it systematically includes a bank card. Conversely, traditional banks only offer paid bank cards whose price varies depending on the bank card range.

2. What is the best free bank card ?

There best free bank card depends on what the customer is looking for. For example, if the customer is looking for the best free bank card in terms of security, the choice will look at Fortuneo, whose opposition in the event of a lost or stolen bank card is the simplest.

3. How to get a free online bank card ?

It is possible to obtain a free bank card online, however, it is subject to conditions. Indeed, online banks ask their customers to justify a minimum income (around € 1,200 for a conventional bank card). Neobanks such as N26 and Revolut offer free but often very limited bank cards.

Comparison of free bank cards

The bank card offered differs according to the network: Mastercard, Visa, Carte Bleue (CB). There are different ranges: Classic, Premier, Gold, Elite, Platinum. Two main operating categories: Immediate flow or delayed flow. Finally, several technologies can be associated with it: contactless, Apple Pay … The use ceilings are also variable, it is sometimes possible to configure the level of withdrawals or payments from the mobile application. All these characteristics vary according to the online bank issuing: Boursorama Banque, Hello Bank, Fortuneo, Monabanq, Orange Bank, Bforbank…

Free if 1 payment / month
Without income condition € 1,80 offered

Free if 1 payment / month
Without income condition 1200 € offered

Free if 1 payment / month
Without income condition 1200 € offered

Free if 1 payment / month
Without income condition 70 € offered

Free if 1 payment / month
Bed condition> € 1,200 / month 230 € offered

Free if 3 payments / quarter
Revenue condition> € 1,200 / month80 € offered GSPF sponsor code

Free if 3 payments / quarter
Under income condition> € 1,800 / month80 € offered GSPF sponsor code

Standard mastercard
Free without condition of use
Without condition of reversal the offer

How to distinguish an online bank from another ? They are similar at first glance with free basic products and services, the premium for opening an online account, the free bank card under conditions of use, income or savings. Compare the general conditions of online banks to obtain your payment card for free !

To benefit from the gratuitousness of the account The customer must be independent and carry out simple banking operations itself. For more complex operations or requiring customer service assistance, it is possible to apply pricing.

Free bank card without conditions

More and more offers with bank card without income condition appear in online banks. On the other hand, free is under condition of regular use of the bank card !

Boursorama Banque bank cards

Entry -level card:

• Welcome: Boursorama Banque offers free visa card without income or savings condition. The use of the bank card is then limited: € 200 withdrawals / 7 days; € 600 in payments / 30 days; Authorized overdraft of € 100 / month. Non -use of the bank card: € 5 / month.

High -end card:

• Ultim: This Ultim bank card by Bousorama Banque is free, without income or savings conditions. On the other hand, you will have to make at least one payment per month to enjoy it for free (otherwise its cost is € 9 / month). The specificity of this card is free withdrawals and payments abroad.
• A couple : The 2 Ultim cards are free with the opening of a joint account under conditions of use see above.

Premium card:

• The Metal offer allows you to obtain the most high -end card in this online bank

Hello Bank bank cards!

Hello One ::

• The Visa card with systematic authorization is undoubtedly income and use. Payments are free in the world. Withdrawals are free only in BNP Paribas distributors and its subsidiaries.

Hello Prime card ::

• The Hello Prime card costs 5 euros per month and accessible under conditions to have at least 1000 euros in net monthly income. This card is paid because payments and withdrawals are free all over the world, it has reinforced insurance and assistance Instant transfers are free and the customer benefits from cash facility. Finally loss and theft insurance of the CB is included.

Classic card:

• A single person: The Visa card is free in immediate debit without income condition, while the delayed debit visa card is free if you receive at least 1000 euros in net income per month, or you can simply save 5,000 euros at Hello Bank! to enjoy.
• A couple : Get 2 visa cards for free with the opening of a joint account by justifying at least 2,000 euros in net income per month or by placing 5,000 euros on a HelloBank booklet! If the minimum of 1000 euros per holder is not respected.

High -end card:

• A single person: The Visa Premier card is free at Hello Bank! Delayed or immediate if your income The income is greater than 1,800 euros net per month.
• A couple : For a joint account with 2 free first visa cards with immediate or delayed debit, the two members of the couple must justify 1,800 euros each to benefit from a first visa card each.

Premium card:

• The Visa Infinite card is 240 euros per month at Hello Bank!

Fortuneo bank cards

Classic card:

• A single person: The immediate debit mastercard is free if your net income is at least 1,200 euros per month. An offer also accessible if you save 5000 euros at Fortuneo.
• A couple : The 2 MasterCard cards in the joint account are free from 2400 euros in monthly income. Another grant condition: having 5,000 euros in savings in this bank.

Fosfo card:

• The Fosfo card is fairly equivalent to a classic Mastercard card, but it is accessible without income or savings conditions. To keep the free of this card, it must be used at least once a month.

High -end card:

• A single person: To have a GOLD MASTERCARD card with immediate debit the customer must have monthly income above 1800 euros. For a holder with 10,000 euros in Fortuneo savings The Gold card is also free and the option of the delayed debit card is accessible from 1500 euros in monthly income.
• A couple : The joint account and its 2 GOLD MASTERCARD cards with free immediate debit for a couple with 2,700 euros in monthly income or if an holder has 10,000 euros in savings at Fortuneo. Choose the delayed debit option from 2,500 euros in net income per month.

Premium card:

• A single person: The World Elite CB Mastercard, a privilege for customers with 4000 euros in net monthly income with compulsory monthly payment on the Current Fortuneo account (if not invoicing of € 50 per quarter).
• A couple : The 2 World Elite CB Mastercard for 6000 euros in monthly net income, including € 4,000 to be paid on the account every month (otherwise billing € 50 per quarter).

Bforbank bank cards

Classic card:

• A single person: The Visa Classic card with immediate debit is free from 1200 euros in monthly income. You must make 3 payments per quarter to keep this free. Billing increases to 6 euros not quarter in the event of underused.
• A couple : 2 Visa Classic cards (immediate speed) for a couple from 2000 euros in monthly income. The invoicing of 6 euros per quarter applies in the event of under use. The cards remain free for the use of 3 payments per quarter.

High -end card:

• A single person: The Visa Premier card is offered to immediate or delayed debit to the customer who justifies 1600 euros in net monthly income and who performs at least 3 operations per quarter (otherwise invoicing 9 euros per quarter). Tolerance possible from 1200 euros in income for customers with a 6 -month seniority or if you have 10,000 euros in savings at BforBank.
• A couple : The joint account assorts 2 free first visa cards with immediate or delayed debit, for customers with 2400 euros of monthly income (invoicing of 9 euros per quarter if you perform less than 3 operations per quarter). Other conditions: having 2,000 euros in income for customers with a seniority of 6 months or or 15,000 euros of savings in online banking.

Premium card:

• A single person: Even for new customers, the Visa Infinite card costs 200 euros per year and is accessible to customers justifying 4000 euros in monthly net revenues or 40,000 euros in savings at BforBank.
• A couple : With 6 months of seniority, the 2 infinite visa cards are at a rate of 400 euros per year, with the conditions for the couple to justify 6000 euros in income each month or 60,000 euros in bforbank savings.

The ING bank card

Classic card:

• The standard card is free: To democratize your online account, ING now offers a standard balance control card in addition to its standard Gold. To benefit from the standard ING card no need for income or payment. This offer does not allow you to obtain an authorized checkbook or overdraft.

High -end card:

• A single person: The GOLD MASTERCARD card with immediate or delayed debit is free provided you pay 1,200 euros per month on the current account or to save 5,000 euros in this online bank.
• The Gold card at € 5 per month: You have seen above the free ING offer which has an obligation of income or savings. Since 2016 the online bank ING has offered the Mastercard Gold with immediate debit without conditions of payment or savings, for that it is necessary to pay it € 5 per month.
• A couple : The joint account + 2 Gold Mastercard cards with immediate or delayed delicate debit from 1200 euros in payment (as for the simple account), or 5000 euros of savings in the online bank. Invoicing of 5 euros per month if the conditions are not met.

Premium card:

• No Premium card at ING, only the Gold Mastercard card.

Without condition bank card

♥ Online Bank without income condition, without condition of payment, without savings condition: Monabanq is distinguished with ideal offers for students, unemployed, temporary workers ..

Monabanq offer at € 3 per month

Classic card:

• A single person: The Visa card with immediate or delayed debit is part of the Pratiq+ offer at 3 euros per month.
• A couple : The 2 Visa cards with immediate or delayed debit are also in the Pratiq+ offer at 5 euros per month.

High -end card:

• A single person: The Visa Premier card with immediate or delayed debit is part of the Pratiq+ offer at 6 euros per month.
• A couple : The 2 Premier Visa cards with immediate or delayed debit are part of the Pratiq+ offer at 9 euros per month.

Premium card:

• Platinium card included in the Pratiq offer+ from 12 euros/month

Free bank card for students

Students also have the possibility of opening an account in an online bank, but it is sometimes difficult to justify income or pay a subscription. For this, some offers are more interesting for students.

• Boursorama Bank Welcome
• N26 Standard MasterCard Card

The type of bank card according to the bank

Choosing your bank card sometimes requires reflection, discover below the different options. Also, your choice can be oriented towards a visa card or a mastercard card.

The immediate debit bank card

The immediate debit bank card is the most common type of card in France. Banks offer this type of bank card much more easily at a price generally slightly cheaper than a delayed debit card. The immediate debit card is often appreciated by young people. The operation of this card is simple, with each withdrawal or payment The account is immediately debited from the sum. Immediately does not mean instantly, usually you have to wait one to two days to see the operation on your account statement. Indeed, banking operations require a processing period before appearing online. This card is rather practical and reassuring since it avoids unpleasant surprises at the end of the month unlike the delayed speed card. The bank card holder benefits from a daily or weekly withdrawal ceiling as well as a payment ceiling. These ceilings are variable depending on the banking establishment. This bank card requires particular vigilance, in fact once the balance is zero you will have intervention costs on the account each time.

The bank card with delayed debit

The deferred debit bank card has a different operation from the immediate speed card. The principle of delayed flow is to group all your expenses at the end of the month. All your expenses will have no impact on the balance of the account during the month. However, at the end of the month the bank accumulates all these expenses and performs a single sample for all of your payments. This type of card thus makes it possible to make higher expenses and to wait for the arrival of your salary to debit payments. It is a card that therefore presents a share of additional risk since the bank makes you a credit until the end of the month. This type of card therefore costs a little more expensive and the bank will study your request before issuing the delayed debit card. Like the immediate debit card, the delayed debit card makes it possible to carry out operations in France or abroad.

The bank card with systematic authorization

The bank card with systematic authorization is the ideal means of payment to control its expenses. If you wish to avoid exceeding your overdraft and thus avoid payment incidents and costs, the systematic authorization card is adapted to your situation. When you pay with this card, the payment terminal will question the balance of your account before making the payment. Operation is the same when withdrawing from the distributor, it is impossible to be uncovered because the withdrawal will be refused if the balance is not positive. This bank card therefore constitutes additional security for its holder and for the bank. It is impossible to be discovered, you will not have any intervention costs, on the other hand you will have less flexibility in your expenses.

The withdrawal bank card

The withdrawal bank card is mainly used for young people. Sometimes this type of card may also suit people wishing to fully control their budget by using species. It is only possible to make withdrawals to the distributor, payments are made in cash with traders. The withdrawal card can be national or international. For your information, the withdrawal card is systematically with immediate debit. The withdrawal of species will therefore be immediately attributed to your bank account within one to two days

The high -end card

The Visa Premier card or the Mastercard Gold card allow you to benefit from additional assistance and insurance compared to a conventional card. These bank cards are useful during your trips or trips. They also allow you to benefit from reductions in certain merchants and they offer higher use ceilings (withdrawals and payments). There are many guarantees included: civil liability, rental vehicle, vacation injury, travel cancellation, death, disability ..

Which card in which online bank ?

• See the account opening conditions
• Compare the strategy of digital banks in France
• Discover the origin of the bank remote
• See competition between online banks
• Discover the best online services of banks
• Access the comparison of online banks