If you want to change your bank, we have selected 3 of the most interesting offers of the moment to help you make your choice and above all to avoid breaking the bank by changing banking establishment.
Online banks are on the front line when it comes to acquiring. Might as well take advantage of it when they offer special offers when opening an account to put butter in the spinach. This time it is about 3 of the biggest players in the French market, namely Hello Bank, Monabanq and Orange Bank.
Hello Bank: 6 months of Hello Prime account at 1 euro
Hello Bank is now a major player in online banking alongside Boursorama and Fortuneo. It is a subsidiary of the BNP Paribas group which aims to draw inspiration from neobanks such as N26 or Revolut. The big difference lies in the contribution of the BNP parent company and its national network in addition to offering a French IBAN for all its customers. Finally, its offers are, to say the least, advantageous with two separate cards.
Whether for Hello One or Hello Prime, these cards offer zero fees on payments and withdrawals by credit card anywhere in the world, with no limits and no amount limits. Only the Hello One offer is limited to BNP distributors. The cards are VISA certified and have all the organization’s travel guarantees. The Hello One offer is free while Hello Prime requires a simple subscription of 5 euros per month. The difference between the two accounts lies mainly in the desired use.
The Hello Bank application is a model of its kind: simple, functional and non-invasive. On the functional side, we move from budget management to the categorization of expenses to the modification of ceilings and activation or not of online and foreign payments.
If you want to know more, do not hesitate to consult our complete opinion on Hello Bank.
The characteristics of an account at Hello Bank
- Free account maintenance
- An online bank that benefits from the BNP Paribas branch network
- An app is fun to use
Monabanq: account reimbursed for 1 year + 40 euros offered
Monabanq is today an online bank with its place alongside historical market players such as Boursorama or Hello Bank. It is a subsidiary of Crédit Mutuel Alliance Fédérale, so it benefits from a serious traditional network, plus the addition of a French IBAN. Even if Monabanq does not offer a free offer, it relies on inexpensive cards to stand out, regardless of the type of account chosen. The first Pratiq and Pratiq+ levels are at 2 and 3 euros per month and the Uniq and Uniq+ offers are more complete between 6 and 9 euros per month. In all cases, each card benefits from the VISA insurance policy and guarantees.
Strongly promoted by Monabanq, its great strength lies in its customer service, already voted “Customer Service of the Year” for 2022, as has been the case for more than 4 years now. It is available Monday to Friday from 8 a.m. to 9 p.m. and Saturday from 8 a.m. to 4 p.m.
The application is also at the center of Monbanq’s banking experience with the integration of Google tools, in particular for locating nearby CIC and Crédit Mutuel branches. There is also an automatic expense categorization tab that allows you to accurately track your finances. Finally, the application is compatible with Appel Pay and Paylib, but unfortunately Google Play is still missing.
If you want to know more, do not hesitate to consult our complete opinion on Monabanq.
The characteristics of an account with Monabanq
- No income condition
- Full app
- Many savings services and products
Orange Bank: €100 offered for opening an account
The French telecoms giant launched its banking offer 5 years ago with ambitions to be the first 100% French neobank. Its banking offer focuses on simplicity with 2 types of cards, one of which is completely free, accessible without conditions, but with fees for payments and withdrawals abroad. The second card is 7.99 euros per month. This card offers free payments and withdrawals abroad with a choice of debit: immediate or deferred. The IBAN issued is French, again, it is a privilege compared to other neobanks more mainstream.
This offer is also available in a family pack at 7.99 euros per month for 3 months (before going to 12.99) and includes 2 cards, practical for a joint account for example. Note that it is possible to obtain a checkbook for free, an option necessarily valid in other neobanks or even online banks.
On the application side, we appreciate the clear and uncluttered interface allowing contactless payment via the NFC function. This is enhanced by Google Pay and Apple Pay compatibility.
If you want to know more, do not hesitate to consult our complete opinion on Orange Bank.
Characteristics of an account with Orange Bank
- No account maintenance and free checkbook
- No income condition
- Google Pay and Apple Pay compatible app
At the moment, Orange Bank is offering up to 100 euros free for opening an account with a Premium card or a Premium Pack.
If you wish to discover other offers, do not hesitate to consult our bank comparator.
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