Comparison of the best online banks


How do you compare online banks?

Unlike other online reviews, we decided to take a look at what really differentiates establishments from one another, depending on your day-to-day needs .

BANK ACCOUNT
First 3 months free with the Hello Prime offer until 01/14/2020 .
Our opinion: A complete online offer, resolutely modern, linked to the BNP Paribas group.
A free bank card and a practical application. Possibility of opening a savings account at the best market rate. Very wide hours to reach an advisor (8 am-10pm). Check deposit facilitated by the application. No inactivity fees.
open a Hello bank account!
Our review and complete test on Hello bank!
BANK ACCOUNT
$ 80 offered credited for the very first opening of a simple or joint Current Account with subscription to the Full offer made between 08/07/2020 and 25/08/2020 inclusive.
Our opinion: The interface has been particularly simplified and goes to the point ...
Contactless payment (NFC) is finally available! (but not yet Apple Pay ...)
open an ING account
Our opinion and complete test on ING
BANK ACCOUNT
Open your Bforbank account quickly!
Our opinion: A very complete range of services. A well thought-out site and clear ergonomics
Very competitive pricing.
open a BforBank account
Our review and full test on Bforbank
BANK ACCOUNT
€ 80 offered for the first opening of a bank account with a CB MasterCard or Gold CB MasterCard bank card. Operation code: FTNOCB1220 . Offer valid until 12/31/20 .
Our opinion: Free first cards are accessible to low incomes
Very competitive pricing and a very wide range of services, including very attractive life insurance.
open a Bridgepayday account
Our review and complete test on Bridgepayday
BANK ACCOUNT
up to $ 80 free credited when opening a current account before 12/31/20 (see online conditions).
Our opinion: An interesting price offer for the simple card, but unfortunately not free for the Premium card. Many available services offered. But customer service is difficult to reach, Orange bank relying everything on its robot assistant which acts as a barrier.
open an Orange bank account
Our review and complete test on Orange bank
Our opinion: A clear offer, at little cost. No surprises.
Convenient extended hours to reach customer service (8-10pm on weekdays).
Our opinion and complete test on Boursorama bank

Our method and our choices to compare

Almost all online banks now offer the main services free of charge ; comparing them to each other on these subjects would not make sense. We therefore looked for more interesting differences in terms of cost or services . We have endeavored to compare the fees applied for services that you really need on a daily basis , and not occasional services, such as for example issuing a cashier's check ...
However, to avoid countless trips back and forth between the sites of the establishments concerned (access to price information sometimes relating to the obstacle course or the well-hidden treasure hunt), you will find a comparative table at the bottom of the page. complete summary of the services offered , as well as any charges applied.
Some of you will prefer this or that management interface, or will put more emphasis on a particular service, which will determine your final choice. However, all are excellent establishments, and offer reliable and quality services.

1- The minimum service for a bank (2 points each - overall score out of 20)

  • free bank card
  • the opening and management of free accounts
  • a free checkbook
  • free direct debits and transfers
  • free ATM purchases and withdrawals
  • free internet access
  • the call to a non-surcharged advisor (local or free call cost).
All these services participate for 2 points in the overall score.


2- Additional services or card accessibility conditions, in particular: (2 points each - overall rating out of 10)

  • access to premium Premier or Gold cards
  • the minimum income imposed to benefit from the various cards
  • smartphone applications
  • extended hours to reach an advisor

3- Finally, the penalizing costs, in particular: (1 penalty point each)

  • charges for inactive account or non-use of payment card

Consult in detail the offer of each bank

Click on the establishment for which you wish to consult the offer, the details will appear below ( the summary table being very large for a smartphone screen, you can move it by sliding it from right to left to see the other columns ):

ING: cost of operations and services offered

ING
Free basic services (2 points each)
Account opening / closing YES
Subscription / account maintenance YES
Bank card YES
ATM withdrawals (us dollar zone) YES
Checkbook order (simple sending) YES
Online transfers (in $, us dollar zone) YES
Specimens YES
Purchases (us dollar zone) YES
Rebate checks YES
Call for an advisor YES
Subtotal 1 (out of 20) 20
ING: Important additional services (2 points each)
Premier or Gold card YES
Mobile app YES
Minimum income to obtain free credit card $ 1200
Weekday customer service hours 8 am-9pm
Saturday customer service hours 8 am-6pm
Sub-total 2 (out of 10) 10
Penalizing (-1 point each)
Inactive account fees / non-use of bank card $ 5 / month
Sub-total 3 (out of 1) -1
TOTAL 29
OFFER Promo offer
DIRECT LINK opening an account
ING
ING: information and secondary services available
Income domiciliation obligation NO
but under conditions
Contactless payment (NFC) YES
Automatic activation of contactless -
Apple Pay (NFC) NO
Paylib (NFC) NO
ATM withdrawal fees outside us dollar zone 2%
Purchasing fees outside the us dollar zone 2%
Instant transfer NO
Free second card contribution on joint account YES
Bank check YES
send by AR ($ 5) required
Cash payment NO
SMS account status alert YES
Modification of the credit card limit online YES
Online bank card opposition YES
Online check opposition
Download operations (OXF, QIF, CSV type) YES
Editing an account statement on the Internet YES
Customization of the credit card code YES
Demonstration site NO
Sending a monthly paper account statement YES
3DSecure ?
Visual categorization of expenses YES
Double authentication online account access NO
Bank domiciliation change help YES
Savings book rate (gross) 0.05%
Prestige bank card NO
Consumer credit NO
Real estate loan YES
Management / revocation of direct debit mandates
Additional insurance means of payment, keys, papers ... $ 25 / year
Authorized overdraft rate 8% / year
Unauthorized overdraft rate 16% / year
Card opposition fees (loss, theft, fraud) by the bank FREE
Early renewal of the bank card $ 10
Emergency bank card renewal $ 70
Choice of the visual of the bank card NO
Simple classic card NO
Chat with an advisor NO
DIRECT LINK opening an account
ING
Read our opinion on ING
(*) see conditions on the respective site

BforBank: cost of operations and services offered

BforBank
Free basic services (2 points each)
Account opening / closing YES
Subscription / account maintenance YES
Bank card YES
ATM withdrawals (us dollar zone) YES
Checkbook order (registered mail) YES
Online transfers (in $, us dollar zone) YES
Specimens YES
Purchases (us dollar zone) YES
Rebate checks YES
Call for an advisor YES
Subtotal 1 (out of 20) 20
BforBank: important additional services (2 points each)
Premier or Gold card YES
Mobile app YES
Minimum income to obtain free credit card 1600 $
Weekday customer service hours 8 am-6pm
Saturday customer service hours closed
Sub-total 2 (out of 10) 8
Penalizing (-1 point each)
Inactive account fees / non-use of bank card $ 9 / trim
Sub-total 3 (out of 1) -1
TOTAL 27
OFFER Promo offer
DIRECT LINK opening an account
BforBank
BforBank: information and secondary services available
Income domiciliation obligation NO
Contactless payment (NFC) YES
Automatic activation of contactless ?
Apple Pay (NFC) NO
Paylib (NFC) NO
ATM withdrawal fees outside us dollar zone 1.95%
Purchasing fees outside the us dollar zone 1.95%
Instant transfer NO
Free second card contribution on joint account YES
Bank check FREE
Cash payment NO
SMS account status alert YES
Modification of the credit card limit online YES
Online bank card opposition YES
Online check opposition YES
Download operations (OXF, QIF, CSV type) NO
Editing an account statement on the Internet YES
Customization of the credit card code NO
Demonstration site NO
Sending a monthly paper account statement $ 1.20
3DSecure
Visual categorization of expenses YES
Double authentication online account access NO
Bank domiciliation change help YES
Savings book rate (gross) 0.1%
Prestige bank card YES
Consumer credit YES
Real estate loan YES
Management / revocation of direct debit mandates
Additional insurance means of payment, keys, papers ... $ 24 / year
Authorized overdraft rate 7% / year
Unauthorized overdraft rate 16% / year
Card opposition fees (loss, theft, fraud) by the bank FREE
Early renewal of the bank card $ 15
Emergency bank card renewal NO
Choice of the visual of the bank card NO
Simple classic card NO
Chat with an advisor NO
DIRECT LINK opening an account
BforBank

Bridgepayday bank: cost of operations and services offered

Fortuneo
Free basic services (2 points each)
Account opening / closing YES
Subscription / account maintenance YES
Bank card YES
ATM withdrawals (us dollar zone) YES
Checkbook order (simple sending) YES
Online transfers (in $, us dollar zone) YES
Specimens YES
Purchases (us dollar zone) YES
Rebate checks YES
Call for an advisor YES
Subtotal 1 (out of 20) 20
Bridgepayday bank: important additional services (2 points each)
Premier or Gold card YES
Mobile app YES
Minimum income to obtain a free credit card $ 1200
Weekday customer service hours 8:30 am-8pm
Saturday customer service hours 9 am-6pm
Sub-total 2 (out of 10) 6
Penalizing (-1 point each)
Inactive account fees / non-use of bank card 3 € / m single bank card - 5 € / m Gold
Sub-total 3 (out of 1) -1
TOTAL 25
OFFER Promo offer
DIRECT LINK opening an account
Bridgepayday
Bridgepayday bank: information and secondary services available
Income domiciliation obligation NO
Contactless payment (NFC) YES
Automatic activation of contactless ?
Apple Pay (NFC) YES
Paylib (NFC) NO
ATM withdrawal fees outside us dollar zone 1.94%
Purchasing fees outside the us dollar zone 1.94%
Instant transfer NO
Free second card contribution on joint account YES
Bank check FREE
Cash payment NO
SMS account status alert YES
Modification of the credit card limit online YES
Online bank card opposition YES
Online check opposition YES
Download operations (OXF, QIF, CSV type) NO
Editing an account statement on the Internet YES
Customization of the credit card code NO
Demonstration site NO
Sending a monthly paper account statement NO
3DSecure ?
Visual categorization of expenses NO
Double authentication online account access YES
Bank domiciliation change help YES
Savings book rate (gross) 0.2%
Prestige bank card YES
Consumer credit NO
Real estate loan YES
Management / revocation of direct debit mandates YES
Additional insurance means of payment, keys, papers ... 18 € / year
Authorized overdraft rate 7% / year
Unauthorized overdraft rate 16% / year
Card opposition fees (loss, theft, fraud) by the bank FREE
Early renewal of the bank card $ 10
Emergency bank card renewal NO
Choice of the visual of the bank card $ 15
Simple classic card YES
Chat with an advisor NO
DIRECT LINK opening an account
Bridgepayday
Read our opinion on Bridgepayday bank

Hello Bank! : cost of operations and services offered

Hello bank!
Free basic services (2 points each)
Account opening / closing YES
Subscription / account maintenance YES
Bank card YES
ATM withdrawals (us dollar zone) YES
Checkbook order (simple sending) YES
Online transfers (in $, us dollar zone) YES
Specimens YES
Purchases (us dollar zone) YES
Rebate checks YES
Call for an advisor YES
Subtotal 1 (out of 20) 20
Hello Bank! : important additional services (2 points each)
Premier or Gold card YES
Mobile app YES
Minimum income to obtain free credit card 1000 $
Weekday customer service hours 8 am-10pm
Saturday customer service hours 8 am-6pm
Sub-total 2 (out of 10) 10
Penalizing (-1 point each)
Inactive account fees / non-use of bank card NO
Sub-total 3 (out of 1) 0
TOTAL 30
OFFER Promo offer
DIRECT LINK opening an account
Hello bank!
Hello Bank! : information and secondary services available
Income domiciliation obligation NO
Contactless payment (NFC) YES
Automatic activation of contactless YES
Apple Pay (NFC) YES
Paylib (NFC) YES
ATM withdrawal fees outside us dollar zone 2%
(free if in network
Global Alliance / Global Network)
Purchasing fees outside the us dollar zone 2%
Instant transfer YES (1 € / op)
Free second card contribution on joint account YES
Bank check FREE
Cash payment YES
in BNPP branches
SMS account status alert YES
Modification of the credit card limit online YES
Online bank card opposition YES
Online check opposition YES
Download operations (OXF, QIF, CSV type) YES
Editing an account statement on the Internet YES
Customization of the credit card code NO
Demonstration site NO
Sending a monthly paper account statement NO
3DSecure YES
Visual categorization of expenses YES
Double authentication online account access NO
Bank domiciliation change help
Savings book rate (gross) from 0.1% to 0.2%
Prestige bank card YES
Consumer credit YES
Real estate loan YES
Management / revocation of direct debit mandates
Additional insurance means of payment, keys, papers ... $ 26.50 / year
Authorized overdraft rate 8% / year
Unauthorized overdraft rate 18.40% / year
Card opposition fees (loss, theft, fraud) by the bank free
Early renewal of the bank card $ 12.60
Emergency bank card renewal NO
Choice of the visual of the bank card NO
Simple classic card YES
Chat with an advisor YES
DIRECT LINK opening an account
Hello bank!
Read our review on Hello bank!

Boursorama Banque: cost of operations and services offered

Boursorama Banque
Free basic services (2 points each)
Account opening / closing YES
Subscription / account maintenance YES
Bank card YES
ATM withdrawals (us dollar zone) YES
Checkbook order (simple sending) YES
Online transfers (in $, us dollar zone) YES
Specimens YES
Purchases (us dollar zone) YES
Rebate checks YES
Call for an advisor YES
Subtotal 1 (out of 20) 20
Boursorama Banque: important additional services (2 points each)
Premier or Gold card YES
Mobile app YES
Minimum income to obtain a free credit card $ 1800
Weekday customer service hours 8 am-10pm
Saturday customer service hours 8.45am-4.30pm
Sub-total 2 (out of 10) 6
Penalizing (-1 point each)
Inactive account fees / non-use of bank card YES
1 card operation / 6 months minimum
otherwise risk revocation
Sub-total 3 (out of 1) -1
TOTAL 25
OFFER
DIRECT LINK  
Boursorama Banque: information and secondary services available
Income domiciliation obligation YES
Contactless payment (NFC) YES
Automatic activation of contactless
Apple Pay (NFC) NO
Paylib (NFC) YES
ATM withdrawal fees outside us dollar zone 1.95%
Purchasing fees outside the us dollar zone 1.95%
Instant transfer NO
Free second card contribution on joint account YES
Bank check FREE
Cash payment NO
SMS account status alert YES
Modification of the credit card limit online YES
Online bank card opposition
Online check opposition
Download operations (OXF, QIF, CSV type)
Editing an account statement on the Internet YES
Customization of the credit card code NO
Demonstration site NO
Sending a monthly paper account statement YES
3DSecure YES
Visual categorization of expenses YES
Double authentication online account access
Bank domiciliation change help
Savings book rate (gross) 0.3%
Prestige bank card NO
Consumer credit YES
Real estate loan YES
Management / revocation of direct debit mandates
Additional insurance means of payment, keys, papers ...
Authorized overdraft rate
Unauthorized overdraft rate
Card opposition fees (loss, theft, fraud) by the bank FREE
Early renewal of the bank card $ 10
Emergency bank card renewal
Choice of the visual of the bank card YES
Simple classic card YES
Chat with an advisor NO

Orange bank: cost of operations and services offered

Orange bank
Free basic services (2 points each)
Account opening / closing YES
Subscription / account maintenance YES
Bank card YES
ATM withdrawals (us dollar zone) YES
Checkbook order (simple sending) YES
Online transfers (in $, us dollar zone) YES
Specimens YES
Purchases (us dollar zone) YES
Rebate checks YES
Call for an advisor YES
Subtotal 1 (out of 20) 18
Orange bank: important additional services (2 points each)
Premier or Gold card YES
Mobile app YES
Minimum income to obtain a free credit card no
Weekday customer service hours 8 am-8pm
Saturday customer service hours 8 am-8pm
Sub-total 2 (out of 10) 10
Penalizing (-1 point each)
Inactive account fees / non-use of bank card YES
5 € / month if less than 3 payments / month
Sub-total 3 (out of 1) 0
TOTAL 28
OFFER Promo offer
DIRECT LINK opening an account
Orange bank
Orange bank: information and secondary services available
Income domiciliation obligation NO
Contactless payment (NFC) YES
Automatic activation of contactless YES
Apple Pay (NFC) NO
Paylib (NFC) NO
ATM withdrawal fees outside us dollar zone 2%
(Free for Premium card)
Purchasing fees outside the us dollar zone 2%
(Free for Premium card)
Instant transfer NO
Free second card contribution on joint account NO
Bank check FREE
Cash payment NO
SMS account status alert FREE
Modification of the credit card limit online FREE
Online bank card opposition FREE
Online check opposition ?
Download operations (OXF, QIF, CSV type) NO
Editing an account statement on the Internet YES
Customization of the credit card code ONCE SEND
Demonstration site NO
Sending a monthly paper account statement NO
3DSecure ?
Visual categorization of expenses YES
Double authentication online account access ?
Bank domiciliation change help YES
Savings book rate (gross) 0.3%
Prestige bank card NO
Consumer credit YES
Real estate loan NO
Management / revocation of direct debit mandates
Additional insurance means of payment, keys, papers ... FREE
(means of payment)
Authorized overdraft rate 8% / year
Unauthorized overdraft rate 16%
Card opposition fees (loss, theft, fraud) by the bank FREE
Early renewal of the bank card $ 10
Emergency bank card renewal NO
Choice of the visual of the bank card NO
Simple classic card YES
Chat with an advisor DIFFICULTLY ACCESSIBLE
DIRECT LINK opening an account
Orange bank

Comparison of the costs of the operations and services offered

Cost of online banking operations

ING BforBank Fortuneo Hello bank! Orange Bank Boursorama Banque
Free basic services (2 points each)
Account opening / closing YES YES YES YES YES YES
Subscription / account maintenance YES YES YES YES YES YES
Bank card YES YES YES YES YES YES
ATM withdrawals (us dollar zone) YES YES YES YES YES YES
Checkbook order (simple sending) YES YES YES YES YES YES
Online transfers (in $, us dollar zone) YES YES YES YES YES YES
Specimens YES YES YES YES YES YES
Purchases (us dollar zone) YES YES YES YES YES YES
Rebate checks YES YES YES YES YES YES
Call for an advisor YES YES YES YES NO YES
Subtotal 1 (out of 20) 20 20 20 20 18 20
Important additional services (2 points each)
ING BforBank Fortuneo Hello bank! Orange Bank Boursorama Banque
Premier or Gold card YES YES YES YES YES YES
Mobile app YES YES YES YES YES YES
Minimum income to obtain a free credit card $ 1200 1600 $ $ 0 1000 $ $ 0 1000 $
Weekday customer service hours 8 am-9pm 8 am-7pm 8:30 am-8pm 8 am-10pm 8 am-8pm 8 am-10pm
Saturday customer service hours 8 am-6pm 8 am-1pm 9 am-6pm 8 am-6pm 8 am-8pm 8.45am-4.30pm
Sub-total 2 (out of 10) 10 6 6 10 10 8
Penalizing (-1 point each)
ING BforBank Fortuneo Hello bank! Orange Bank Boursorama Banque
Inactive account fees / non-use of bank card YES
$ 5 / month
YES
9 € / trim
YES
3 € / month single card or Fosfo
5 € / month Gold
NO YES
5 € / month if less than 3 payments / month
YES
1 card operation / 6 months minimum
otherwise risk revocation
Sub-total 3 (out of 1) -1 -1 -1 0 -1 -1
TOTAL 29 25 25 30 27 27
OFFER Promo offerPromo offerPromo offerPromo offerPromo offerPromo offer
CURRENT OFFER BANK ACCOUNT
$ 80 offered credited for the very first opening of a simple or joint Current Account with subscription to the Full offer made between 08/07/2020 and 25/08/2020 inclusive.
BANK ACCOUNT
Open your Bforbank account quickly!
BANK ACCOUNT
€ 80 offered for the first opening of a bank account with a CB MasterCard or Gold CB MasterCard bank card. Operation code: FTNOCB1220 . Offer valid until 12/31/20 .
BANK ACCOUNT
First 3 months free with the Hello Prime offer until 01/14/2020 .
BANK ACCOUNT
up to $ 80 free credited when opening a current account before 12/31/20 (see online conditions).
DIRECT LINK opening an account
ING
opening an account
BforBank
opening an account
Bridgepayday
opening an account
Hello bank!
opening an account
Orange bank
 
OUR OPINION Our opinion on
ING
Our opinion on
BforBank
Our opinion on
Bridgepayday
Our opinion on
Hello bank!
Our opinion on
Orange bank
Our opinion on
Boursorama bank
Secondary information and services available
ING BforBank Fortuneo Hello bank! Orange Bank Boursorama Banque
Income domiciliation obligation NO
but under conditions
NO NO NO NO NO
Contactless payment (NFC) YES YES YES YES YES YES
Bank card network
Automatic activation of contactless - ? ? no ? no
Apple Pay (NFC) NO NO YES YES NO NO
Paylib (NFC) NO NO NO YES NO YES
ATM withdrawal fees outside us dollar zone 2% 1.95% NO
(all cards except single Mastercard: 1.94%)
2% 2%
(Free for PREMIUM card)
1.94%
Purchasing fees outside the us dollar zone 2% 1.95% NO
(all cards except single Mastercard: 1.94%)
2% 2%
(Free for PREMIUM card)
1.94%
Instant transfer NO NO NO YES (1 € / op) NO NO
Free second card contribution on joint account YES YES YES YES NO NR
Bank check FREE
sending by AR (5 €) compulsory
FREE FREE FREE FREE FREE
Cash payment NO NO NO YES
in agencies
BNPP
NO
NO
SMS account status alert YES YES YES YES FREE YES
Changing the card limit online ? YES YES YES FREE YES
Online bank card opposition ? YES YES YES FREE YES
Online check opposition ? YES YES YES ? ?
Download operations (OXF, QIF, CSV type) YES NO NO YES NO ?
Editing an account statement on the Internet YES YES YES YES YES YES
Customization of the credit card code YES NO NO NO ONCE SEND NO
Demonstration site NO NO NO NO NO NO
Sending a monthly paper account statement YES $ 1.20 NO NO NO YES
3DSecure ? ? ? YES ? YES
Visual categorization of expenses YES YES NO YES YES YES
Double authentication online account access NO NO YES NO ?
Bank domiciliation change help YES YES YES YES YES
Savings book rate (gross) 0.05% 0.1% 0.2% from 0.1% to 0.2% 0.3% 0.3%
Prestige bank card NO YES YES YES NO NO
Consumer credit NO YES NO YES YES NO
Real estate loan YES YES YES YES NO YES
Management / revocation of direct debit mandates YES
Additional insurance means of payment, keys, papers ... $ 25 / year $ 24 / year $ 18 / year $ 26.50 / year FREE
(means of payment)
$ 11.88 / year
Authorized overdraft rate 8% / year 8% / year 7% / year 8% / year 8% / year 7% / year
Unauthorized overdraft rate 16% / year 16% / year 16% / year 18.40% / year 16% / year 16% / year
Card opposition fees (loss, theft, fraud) by the bank FREE FREE FREE FREE FREE FREE
Early renewal of the bank card $ 10 $ 15 $ 10 $ 12.60 $ 10 $ 10
Emergency bank card renewal $ 70 NO NO NO NO NO
Choice of the visual of the bank card NO NO $ 15 NO NO YES
Simple classic card NO NO YES YES YES YES
Chat with an advisor NO NO NO YES HARDLY
ACCESSIBLE
NO
OUR OPINION Our opinion on
ING
Our opinion on
BforBank
Our opinion on
Bridgepayday
Our opinion on
Hello bank!
Our opinion on
Orange bank
Our opinion on
Boursorama bank



A loan commits you and must be repaid.
Check your repayment capacity before you commit.

Copyright © 2020 All rights reserved Legal notice Sitemap

Professional funding for physiotherapists

en