With extremely low or no fees, online banking solutions are becoming increasingly popular. Discover the current offers and choose from our selection!
These solutions also allow you to take advantage of all the potential of the Internet, which has become commonplace, if not vulgarized. You can easily access your accounts, make transfers and have a credit card, just like a traditional bank. To the extent that you want to use these common features, online banks are synonymous with extreme ease of use without having to pay a crazy amount. Among the existing solutions, here are 5 that are serious and adapted to everyone.
5 Online Banking Offers Not to Be Missed
Nickel: a personal account in 5 minutes flat
Simple and efficient, Nickel offers its services to 3 million customers. Nickel allows you to open a personal current account in record time. To do this, you can use the official website and open it online. You can also go to a tobacconist or a Nickel point and go through the opening formalities directly. In the latter case, you leave directly with your MasterCard credit card. You can withdraw money anywhere in the world and thanks to the presence of tobacconists and relay points, you can also easily deposit cash into your account. Opening a Nickel account is without income conditions.
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BforBank: are you more Zen or Basic?
BforBank is a solution that everyone knows. This online bank was created by Crédit Agricole, a guarantee of seriousness and professionalism. BforBank has the big advantage of offering you 2 formulas which are BforBasic and BeforZen. The 2 solutions are, of course, offered with a Visa credit card. BforBasic is completely free and BeforZen costs you 4 euros per month with 6 months free. This second solution offers you a credit card ceiling that goes from 1500 to 3000 euros and a possible withdrawal going from 500 to 1000 euros over 7 rolling days. BeforZen also offers you additional services.
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Hello Bank!: up to 80 euros offered
Hello Bank! is also one of the solutions that everyone knows. Here again, depending on your needs, you can choose between Hello One which is free provided you use your card and Hello Prime which costs 5 euros per month after 6 months at 1 euro per month. Of course, the choice of your account will depend on your needs. Note that 40 euros are offered to you for a first Hello One opening and 80 euros for Hello Prime. Subscription is simple and is done directly online. The same goes for the management of your account, your transfers and any other banking transaction.
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Monabanq: the current account that suits you
Monabanq is also a name that everyone knows. Designed by Crédit Mutuel, Monabanq offers 3 types of current accounts to meet your personal needs, with the possibility of creating an individual account or a joint account. In the latter case, 2 credit cards will be provided. The proposed costs range from 3 to 12 euros per month depending on the services you need. Here again, you manage your money online and opening is without income conditions. Currently, up to 160 euros are offered to you for opening an account.
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Fortuneo: up to 200 euros offered!
This non-exhaustive list would not be complete without the presence of Fortuneo. Created by Crédit Mutuel, we are also here facing real professionals. Fortuneo offers a current account without income conditions accompanied by a bank card usable anywhere in the world. If you need broader services, Fortuneo also offers Gold CB MasterCard and World Elite CB MasterCard, both being very complete solutions but subject to income conditions. Note that until September 13, you can benefit from up to 200 euros offered for a first account opening.
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Which online bank to choose and how to choose it?
Choosing an online bank is no easy task. There are many of them and they all offer services ranging from the very simple to the very comprehensive. To make your choice, the first thing to do is undeniably to know the banking structure that manages the online bank. A few years ago, some consumers had to deal with online banks that disappeared overnight. It is therefore necessary to choose an online bank by ensuring that it is managed by a physical bank known to all. This is the case here for the solutions offered. This is also the case for Nickel, because if the structure is independent, it was bought by BNP Paribas. This criterion of belonging to a large bank is indisputably the number 1 criterion. Once this condition is met, the choice of your online bank will be based on the services offered and the prices.
What is the best online banking offer right now?
You have probably noticed that even if you opt for an online bank that has a cost, the latter is much lower than that of a traditional bank. Of course, if your needs are very simple, free current accounts are perfect given the services already present. Should you access a superior service? The answer to this question will depend mainly on your uses abroad and the insurance that you may possibly need in your daily activities. One thing is certain, if the services offered by these 5 online banks are very varied, all, without exception, are excellent and serious. They are simply different from each other. So you just have to find the account that seems to have been created for you. In parallel with this, also think about the need to open a personal account or a joint account. Also compare the customer services offered and possibly the possibility of depositing cash or not.
This content was produced by an expert from the BFMTV shopping team, independent of the BFMTV.com editorial team. The prices indicated are given as an indication and are subject to change. BFMTV may receive compensation when one of our readers makes a purchase via the links included in this article.
