By akademiotoelektronik, 02/09/2022

The best online banks of the moment - January 2022

Comparison updated on January 18, 2022. ING ferme sa banque en ligne en France.Its customers will be transferred to the buyer of the customer portfolio.Boursorama could afford ING, which still has a million customers.

Apart from this news, our classification does not evolve.Fortuneo remains in the lead thanks to the multitude of advantages and features that it includes in its offer.You will find at the end of our selection, our advice / FAQ to choose the right bank online.

Our selection :

Pourquoi nous faire confiance ?

Spécialiste des sujets argent, patrimoine et conso depuis 15 ans, Élodie Toustou a passé en revue les tarifs et les services numériques des cartes bancaires sans condition d'entrée ou accessibles facilement et sans frais ou à frais réduits des banques en ligne. Notre classement a été établi en fonction des prix pratiqués, notamment des frais pratiqués à l'étranger sur lesquels les établissements se livrent une rude bataille. Également sur la quantité et la qualité des services bancaires numériques (cartes virtuelles, pilotage de la CB, modes de paiements sans contact, etc.)).

1.Fortuneo: The best online bank for travelers and geeks

The bank with a green man, a subsidiary of Crédit Mutuel Arkéa, is undoubtedly the one who has best responded to the attacks on neobancs.Its new Fosfo card stands out with little more sympathetic if we compare it to those of basic neobanc cards like N26 and Revolut.For example, the card is, as its name suggests, really phosphorescent, which means guaranteed in the evening, even if you are granted that this artifice is more gadget than anything else.

More seriously, Fosfo allows you to withdraw without counting the distributors while this type of operation is billed (N26)) or granted within certain limits (200 euros/month at Revolut, then 2% of the amount of withdrawal)).With this mastercard, with systematic authorization, you can also access, via the application of the bank, to a generator of virtual card whose number changes each time to secure your purchases on the net, which is even more reassuring than thestatic virtual cards, like Revolut those.

To open an FOSFO account, no need to justify regular income or savings in the establishment.When opening, however, it will be necessary to be able to make a first payment of 300 euros.Once open, the account gives access to all the features linked to the CB (modification of ceilings, opposition, virtual cards, etc.)) as well as the whole range of Bank products: credit (real estate, consumer, etc.)),Savings (life insurance, booklets, scholarships, etc.)) and even an overdraft authorization of 200 euros which can be granted after an observation period.Fosfo is also compatible with the following mobile payment services: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

Let us add that Fortuneo gives the possibility of subscribing a 100% online personal loan thanks to a partnership with Younited Credit.To buy a car, do work ... The answer is given within 24 hours.

Latest novelty, the online bank has just launched a subscription route worthy of neobancs: 100% on mobile, it allows you to open an account almost instantly from the application.A single proof of identity is requested as well as a video selfie for verification.Icing on the cake: no minimum payment is required at the opening.

Our opinion on Fortuneo:

The Fortuneo offer in detail

2.Boursorama Bank: The best alternative to Fortuneo

As its name suggests, Boursorama was at its origins, in 1998, a site allowing to follow the quotes on the stock markets.If this DNA did not leave the establishment, the launch of Boursorama Banque in 2005 sounds its rocking towards that of a full-service bank in France, under the leadership of its parent company, Société Générale.Its positioning, like that of its competitors, is clear: bank costs are reduced to nothing and the bank card is free (including high -end)).But provided you show white leg, in other words to justify a certain level of income to join.Even today, Boursorama Banque, still applies this condition to some of these cards.For example, at least 1,000 euros net/month of income to access a Classic visa, 1,800 euros net/month for the Gold Visa.

But things have changed !Towlled by the arrival of neobanques with their free cards, the lack of costs, especially abroad, and their innovative applications, Boursorama Banque has finally aligned itself.Two of its banking offers are now accessible without income, and free: Ultim and Welcome and their international visa cards (with systematic authorization)).But there is a difference between these two proposals: the amount of the first payment required for the opening of an account: 500 euros for Ultim, 100 euros for Welcome.As well as withdrawal and payment ceilings also more limited: 300 euros over 7 days of withdrawals and 1,500 euros over 30 days of payment for the first, 100 euros over 7 days and 400 euros over 30 days for the second.Another nuance: you have to think about using them (payment or withdrawal)) at least once a month.Otherwise, 15 euros / month of costs are automatically practiced with Ultim, 5 euros / month with Welcome.In addition, Boursorama Banque allows you to access a whole range of banking services (credit, savings book, life insurance, etc..)).Positive point for geeks: Boursorama Bank cards are compatible with almost all existing mobile payment solutions: Apple Pay, Google Pay, Samsung Pay, Paylib, Fitbit Pay and Garmin Pay.

The Boursorama Banque in detail

3.Hello Bank: The best online bank on mobile

Long before the neobanques, Hello Bank was the first online bank to offer all of its mobile services.Property of BNP Paribas, the establishment recently launched two new offers approaching those of the newcomers: "Hello One", an account and its completely free and without condition card, and "Hello Prime", for 5 euros per month, but accessible provided you can align 1,000 euros in income per month.

Penchons-nous sur les atouts de la version gratuite : elle fait au moins jeu égal avec N26 et Revolut avec l’absence de frais de tenue de compte, des fonctionnalités étendues liées à la carte Visa (opérations affichées en temps réel, blocage/déblocage, activation/désactivation des paiements sans contact…)), aucun frais sur les paiements internationaux et des retraits aux distributeurs gratuits aux distributeurs BNP Paribas et de ses filiales à l’étranger.

Hello Bank autorise le dépôt d’espèces et de chèques dans les guichets automatiques de BNP Paribas (2 200)), un petit plus très pratique, gratuit et illimité, pour ceux qui manipulent souvent du cash et qu’aucune autre banque en ligne n’offre.DAB and payment withdrawal ceilings are also comfortable: 400 euros over 7 consecutive days for the first, 1,000 euros over 30 consecutive days for the second.But it has no overdraft authorization.In addition, the “Hello One” offer is compatible with two mobile payment services: Apple Pay and Paylib.In July 2020, Hello Bank launched the first bank application on MacOS.

L'offre Hello Bank en détail

4.Bforbank: The best online bank for customers with regular income

Au départ, BforBank, ne visait que la crème de la crème, autrement dit, les clients patrimoniaux, donc (très)) aisés.But that was before.Since 2009 and its launch by Crédit Agricole, the online bank has been more opening.But unlike her competitors, she did not give in to pressure from neobancs: Bforbank thus offers no offer without access to access.To get a account accompanied by a Visa Classic card, you have to show white leg, i.e. revenues of 1,200 euros net monthly minimum.In exchange, this visa has assets since this immediate debit card does not provide the drawbacks linked to the use of a systematic authorization card, which sometimes poses a problem for tolls, in certain service stations or inparkings.

The fact remains that in the absence of making it your main account, the constraint of this offer lies in the costs which are invoiced if you do not use your CB: 6 euros per quarter if you do not make at least three payments or payments orwithdrawals in the same period of time.It’s far from insurmountable, you’ll tell us, and you're right!But there is a more boring point for technophiles: the bank is not compatible with all mobile payment services except Apple Pay for a few months.

L'offre BforBank en détail

5.Monabanq: The best online bank for those who need the minimum

With its slogan "People before money", Monabanq has erected as an online bank close to needs its customers.Here, no free offers in exchange for which the establishment does not ask its customers to present minimum and regular income.The fact remains that proof of income is however requested the subscription to "adapt the means of payments and ceilings offered to your situation".Suddenly, you have to pay monthly fees to have access to the offers of this Crédit Mutuel subsidiary.Its basic accounts Pratiq and Pratiq+ cost respectively 2 euros and 3 euros per month, as for those offering more services, UNIQ and UNIQ+, they cost respectively, 6 euros and 9 euros per month and include access to a checkbook orAverage payment insurance.

Let us therefore focus on the Pratiq offer, supposed to meet everyday needs.It offers a current account accompanied by a card to choose from: a classic visa or a systematic authorization visa, to avoid overdrafts.But also to a first visa provided that you pay an additional 3 euros per month, or annual fees of 60 euros, which remains reasonable for a GOLD card.In terms of services, payments and withdrawals made in the euro zone are free, but not those made from more distant lands (2% of the amounts taken)).A appreciable thing, it is possible to deposit checks at the 2000 counters of the CIC agencies (which also belong to Crédit Mutuel)). En revanche, impossible d’obtenir un chéquier, de déposer des espèces gratuitement (5 euros facturés par opération !)), ou d’effectuer un virement instantané sans frais (1 euro chaque !)).Monabanq also does not offer any mobile payment service.Pratiq is therefore not the most indicated account for customers looking for a complete offer and without hidden fees.

L'offre Monabanq en détail

The best online bank in January 2022 according to CNET France

It was not easy for us to decide between market lines of the market.Each advancing interesting arguments for very different profiles.Today, the best online bank is in our own fortuneo, thanks to its range of offers that complement each other and its accessibility.

Fortuneo

Why do we prefer Fortuneo rather than another?This is because the online bank took its time before launching its Fosfo card.And that she suddenly managed to position her on the first step of the podium of free offers.This thanks to the complete absence of fees during withdrawals from distributors and operations carried out abroad or thanks to the multiple management features of the card found on the application of the.Thus, Fortuneo offers the most complete free offer, including in front of the Boursorama Ultim card and even facing neobancs like N26 and Revolut.All by being able to benefit from the dematerialized services of the bank such as online checks.Only downside to bring to this idyllic table: if you are currently a customer of a neobank, impossible to become a fortuneo client and his Fosfo card, the bank rejecting all the requests of Orange Bank, N26 or Revolut customers ... Too bad.

The Fortuneo offer in detail

The key points to choose the online bank that looks like you

Difficult to find your way among all these online banks and the arrival of neobanques in France does not help.Here are the items to remember before embarking on the adventure.

What is online bank?

Online banks, without agencies, are not young.It has been more than 20 years that they have been active on the French banking market.Boursorama Banque, Fortuneo, Monabanq… All are fumes of major network banks.What they brought to their customers?Banking costs flush with the daisies, online interfaces allowing to manage your budget independently as well as innovations on means of payment, such as virtual bank cards to pay safety on the net, the delivery of digital checks or,From now on, instant transfers.

Better still, put under pressure by arrival on the neobank market, such as Orange Bank, N26, Nickel or Revolut, they also knew how to adapt to the new deal imposed by these mobile and agile establishments.Main change: while online banks reserved access to their conventional and high -end bank cards without costs at minimum income conditions, all of them launched current and free and unable to entry at the entrance to.What to think twice before choosing.

What are the differences between an online bank and a neobank?

Unlike the majority of neobancs, online banks allow access to all the extent of banking services: real estate credits and consumption, savings booklets, investments ... but the border tends to fade more and moreSo much so that it is now very easy to confuse them.Some neobancs now have banking approval like their cousins.This precious sesame allows them to offer the services of a traditional bank (current and card, authorized discovered, checkbook, credits, savings products, etc.)).Remember that online banks were launched by large banks 20 years ago, while neobanques are much younger and generally emanate either from a start-up or a large company.

Why go to an online bank?

An online bank generally offers the same services as a traditional bank and allows its customer to control their account with much more flexibility from a computer or from a smartphone or tablet application.It also considerably facilitates certain approaches.The subscription to life insurance or a savings book can be carried out exclusively online.

What are the free online banks?

All online banks cited in our comparison have free offers except Monabanq but that does not prevent it from being among the most interesting on the market.