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Best Bank in France: Which One to Choose?

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Online and traditional banks: what are the differences?

An online bank offers everyday banking services such as transfers, payments, and day-to-day account management, but it operates differently from a traditional bank. As it generally has no physical branches, its operating costs are often lower. Most transactions are handled directly from the customer area or mobile app, with fewer intermediaries. In practice, this often means lower banking fees.

Main online banks

We are going to review the main online banks and their current offers. Some provide a free bank card under certain conditions, while others highlight a welcome offer for new customers. With the exception of Revolut, I have tested all the banking services presented here.

Bank Offer Bank card Monthly cost Details
BoursoBank Carte Welcome ou Ultim gratuite sous conditions 0 € See the offer
N26 No
current
offer
Mastercard card for €10 0 € See the offer
Hello bank! Free Visa Hello One card or Hello Prime €5/month 0 € See the offer
Fortuneo Free Gold CB Mastercard subject to conditions 0 € See the offer
BforBank BforZEN card €0 for the first month then €5/month 0 € See the offer
Monabanq Visa Classic card from €3/month with no income requirement From 3 € per month See the offer

Main traditional banks

Traditional banks retain the advantage of a branch network and more personalized support. They may suit people who want to speak easily with an advisor, deposit cash, or benefit from services that are sometimes more comprehensive depending on their situation. In return, banking fees are often higher than with online banks.

Quick comparison

Bank Offer Bank card Monthly cost Details
Orange Bank cb orange bank 1.pngcb orange bank 2.png Carte standard Carte premium 0 € 7.99 € Voir l'offre
ING Direct cb ing 1.pngcb ing 2.png Offre Essentielle Offre Intégrale gratuite si + 1200 € de revenus 0 € 10 € Voir l'offre
BNP Paribas Visa Premier card with Esprit Libre Référence 15.99 €/month See the offer
Crédit Agricole Gold Mastercard or Visa Premier with the Premium offer From 5 € per month See the offer
Crédit Mutuel Bank card with Crédit Mutuel bundled services package From 2 € per month See the offer
Caisse d'Épargne Visa Classic or Visa Premier card with a Caisse d’Épargne package From 8.95 € per month See the offer
Banque Populaire Visa Classic or Visa Premier card with Forfait Cristal From 1 € per month See the offer
SG CB Visa Evolution, CB Visa or CB Visa Premier card with Sobrio From 7.20 € per month See the offer
La Banque Postale Réalys, Visa Classic or Visa Premier card with account package From 2.60 € per month See the offer
CIC MOA CB Mastercard, CB Mastercard or CB Visa Classic card with Contrat Personnel From 6.80 € per month See the offer
LCL Bank card with LCL Essentiel 2 €/month See the offer

Why centralize your data

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In recent years, customer service expectations have evolved. Customers are more and more demanding. They want personalized service, immediate handling of their request and an equally rapid solution. ... Read

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