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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
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.
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 |
Up to 130 € Offered Offer reserved for new customers opening a BoursoBank bank account for the first time, excluding business accounts. Bonus up to €130 with the code BBKOPE130, subject to application approval, an initial deposit, card transactions over 3 months and use of the EasyMove bank switching service. Offer subject to the current conditions on the BoursoBank website. |
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! |
Up to 260 € Offered Up to €260 offered: €10 for a first account opening, an additional €70 by making 10 card transactions within 3 months, and €180 as a voucher with the Hello Start+ bank switching service. Offer reserved for new customers and subject to the current conditions on the Hello bank! website. |
Free Visa Hello One card or Hello Prime €5/month | 0 € | See the offer |
Fortuneo |
80 € Offered €80 offered for the first opening of a deposit account with a Gold CB Mastercard, subject to making 5 payments with the subscribed card within 90 days after the account is effectively opened. Welcome offer code: BIENVENUEFTO. Offer subject to the current conditions on the Fortuneo website. |
Free Gold CB Mastercard subject to conditions | 0 € | See the offer |
BforBank |
Up to 230 € Offered Up to €230 offered with BforZEN: €80 welcome bonus subject to card usage conditions, and €150 as an e-gift card with the bank switching service. Offer reserved for new customers and subject to the current conditions on the BforBank website. |
BforZEN card €0 for the first month then €5/month | 0 € | See the offer |
Monabanq |
Up to 280 € Offered Up to €280 offered for the first opening of a Monabanq current account: up to €80 opening bonus, up to €80 cashback on card payments for 3 months, €80 with the bank switching service and €40 loyalty bonus subject to conditions. Offer reserved for new adult customers who have not previously held a Monabanq current account, subject to the current conditions on the Monabanq website. |
Visa Classic card from €3/month with no income requirement | From 3 € per month | See the offer |
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.
| Bank | Offer | Bank card | Monthly cost | Details |
BNP Paribas |
Up to 270 € Offered €80 offered and 1 year free on essential Esprit Libre Référence services, for the first opening of a BNP Paribas account with a Visa Premier card. Offer subject to the current conditions on the BNP Paribas website. |
Visa Premier card with Esprit Libre Référence | 15.99 €/month | See the offer |
Crédit Agricole |
Up to 80 € Offered Up to €80 offered for the first opening of a Crédit Agricole account with the Premium offer, subject to conditions and depending on participating regional banks. Offer subject to the current conditions on the Crédit Agricole website. |
Gold Mastercard or Visa Premier with the Premium offer | From 5 € per month | See the offer |
Crédit Mutuel |
Current offer 6 months of fees offered on your bundled banking services package for any account opening, subject to conditions. Offer subject to the current conditions on the Crédit Mutuel website. |
Bank card with Crédit Mutuel bundled services package | From 2 € per month | See the offer |
Caisse d'Épargne |
Up to 237 € Offered Up to €237 offered depending on the regional Caisse d’Épargne, for the first opening of an account with a Caisse d’Épargne service package, subject to conditions, including the selected offer, the subscribed card and possible activation of the Domilis bank switching service. Offer subject to the current conditions on your regional Caisse d’Épargne website. |
Visa Classic or Visa Premier card with a Caisse d’Épargne package | From 8.95 € per month | See the offer |
Banque Populaire |
Current offer Banking offer varies depending on the regional Banque Populaire. The Cristal Jeunes package is available from €1/month, and the Cristal Confort Jeune +X Premier offer includes a Visa Premier card from €2/month for 18-25 year olds, subject to conditions. Check the current terms on the Banque Populaire website. |
Visa Classic or Visa Premier card with Forfait Cristal | From 1 € per month | See the offer |
SG |
Up to 100 € Offered Up to €100 offered for opening a first SG bank account online: €20 opening bonus and an additional €80 with the free SG bank switching service. Sobrio is offered at €1/month for the first year, subject to conditions. Offer subject to the current conditions on the SG website. |
CB Visa Evolution, CB Visa or CB Visa Premier card with Sobrio | From 7.20 € per month | See the offer |
La Banque Postale |
Current offer 6 months offered on selected La Banque Postale account packages, depending on the chosen card and subject to conditions. Offer subject to the current conditions on the La Banque Postale website. |
Réalys, Visa Classic or Visa Premier card with account package | From 2.60 € per month | See the offer |
CIC |
Current offer 6 months of fees offered for a first CIC account opening completed online, subject to conditions. Contrats Personnels packages start from €6.80/month with Ajustable 1. Offer subject to the current conditions on the CIC website. |
MOA CB Mastercard, CB Mastercard or CB Visa Classic card with Contrat Personnel | From 6.80 € per month | See the offer |
LCL |
80 € Offered €80 offered for opening an account through the LCL Mes Comptes app with subscription to the LCL bank switching service. The bank switching request must be signed within one month after the account opening. Offer reserved for new adult customers, French tax residents, who have never been LCL customers, and valid until 14/06/2026 subject to conditions. |
Bank card with LCL Essentiel | 2 €/month | See the offer |
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
A practical solution for syncing, storing and finding your documents easily, while keeping them accessible from a computer, tablet or smartphone. ... Read