Orange Bank

The bank card at Orange Bank

The Orange Bank Visa offer
The Orange Bank card is an international payment card backed by the Visa network with almost systematic authorization .
Account and card fees are free subject to making 3 payments per month with the card or mobile.

Costs are charged for certain operations: manual intervention request from an orange expert for operations normally free such as unblocking payment in contact, editing a RIB, issuing a transfer, etc. The cost is of 5 us dollars per transaction.

With the card:

• ATM withdrawals (free if withdrawn in us dollars) and - 2% fee of the withdrawal amount for foreign currency transactions.
• purchases (free if purchased in us dollars) and - 2% of the withdrawal amount for foreign currency purchases.
• cash payments to the branch: paid operation but without indicated price, you must consult Orange.

Orange Bank also offers a high-end Visa Premium card . Billed at US $ 7.99 per month , it is accessible to all neobank customers, without income conditions. It is at immediate or deferred debit (after agreement of the establishment). It brings together many services:

• dynamic cryptogram appearing on a small miniature LCD screen on the back of the card. The code changes regularly , every hour, which helps prevent online data theft. If your card number and its expiry date are stolen, you cannot make a purchase without the CCV code since it is dynamically renewed.
• no fees for payment and withdrawal ATMs abroad , in us dollars AND in foreign currencies , anywhere in the world, without limits on frequencies or amounts.
• free return of the card within 72 hours anywhere in the world in the event of theft or loss, after opposition.
• comprehensive travel insurance , which covers not only the cardholder, but also their cohabiting spouse or children. Example of cover: cover for the costs of search and rescue in the mountains, breakage or theft of ski equipment. Important element and differentiating premium cards from other banks: it is not necessary to pay for your trip with the card to be covered by insurance (almost always requested by other banks).
• possibility of personalizing the secret code of the card.

Orange Bank: the advantages

• Deposit protection: up to 100,000 us dollars guaranteed by the FGDR (Deposit Guarantee and Resolution Fund.
• Possibility of depositing cash into your account (with fees)
• Possibility of requesting a checkbook (free sending)
• An authorized overdraft possible to trade
• Possibility to block or unblock contactless payment
• Possibility to block your card temporarily , or even to put it in opposition
• Mandatory personalization of your bank card secret code
• View account history and details of each transaction in real time .

Orange Bank: the disadvantages

• Everything that is done with the app is free ... but if you have it done by an advisor it becomes chargeable (5 us dollars per transfer for example).
• The replacement of a damaged card before expiry is invoiced at 10 us dollars.
• Check delivery is not available in branch, only by mail.

Orange Bank: the services available

• opening of an Orange Bank bank account (and only one) and a checkbook
• two types of cards to choose from: Visa Orange Bank card and Visa Orange Bank Premium card
• SMS transfer possible , even without knowing your friend's bank details !
• opening of a savings account possible
• online personal loan reserved for customers
• phone application allowing you to manage your bank account alone and to personalize everything for free.

The comparison of online banks

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