An efficient online bank

Le site Bridgepayday banque Still little known a few years ago, Bridgepayday, with a lot of publicity, has succeeded in making its name known. Initially (in 2000) created for its stock market activity, then life insurance in 2002, it becomes a 100% subsidiary of Crédit Mutuel Arkéa . It completed its activity in 2009 by offering online banking accounts with the aim of becoming a leader in this field. It had more than 310,000 customers in 2015.
Its offer is very comprehensive and is associated with aggressive pricing, including free means of payment . In competition with other equally efficient establishments, Bridgepayday is fighting for the title of the cheapest online bank. What is it really? Recently, Bridgepayday was ranked the cheapest online bank by Mieux Vivre Votre Argent, 2014. In particular, it was awarded the 2014 Stock Market Excellence Label by Dossiers de l'Epargne. And the 2015 Qualiweb Trophy for Best Online Client Relations in the Banking-Finance category.

Open a current account with Bridgepayday bank?

The solution that is now the simplest and fastest: complete the request online , directly on the website, validating the request by voice signature . A few minutes are enough to fill in the form fields. No need to return the signed contract by post (unless you really want to, but this delays the opening of the account), all scanned documents (mandatory) can be sent online :

  • legible photocopy of a piece of valid ID (identity card or passport)
  • photocopy of an invoice serving as proof of address dated less than 3 months, or a schedule for the current year,
  • an original bank details indicating the IBAN of an account opened in his name in a financial institution (or passbook),
  • the usual signature of the applicant on a white sheet (if the application is made 100% online),
  • a check for 300 us dollars (if the request is made by mail),
  • a photocopy of the last two payslips (or last tax notice for self-employed persons).

The opening, management and closing of a Bridgepayday current account are completely free operations, as is access to the website (excluding ISP connection costs).

I open a Bridgepayday bank current account online

Conditions to be fulfilled to open a Bridgepayday bank account

Note that certain conditions must be fulfilled to qualify for the opening of a Bridgepayday bank account:

  • be a natural or legal person
  • be reachable on a phone number or an e-mail address
  • no income condition for the Fosfo Mastercard
  • justify a minimum net monthly income of $ 1,200 (or have $ 5,000 in assets) for a simple Mastercard , ( $ 1,800 for the Gold Mastercard or have $ 10,000 in assets ).
  • there is no obligation of direct debit , as in other online banks.
  • send the required supporting documents.
The opening of a Bridgepayday bank account is not subject to any direct debit or minimum monthly payments .

Menu Condition
Fosfo Mastercard
Fosfo Mastercard
(immediate debit)
Without income or savings conditions
MASTERCARD card (immediate debit)
$ 1,200 / month of net income ($ 2,400 / month for 2 holders) minimum
$ 5,000 outstanding
Gold Mastercard
(immediate or deferred debit)
$ 1,800 / month of net income ($ 2,700 / month for 2 holders) minimum
$ 10,000 outstanding
(immediate or deferred debit)
$ 4,000 / month minimum to justify at the opening and to pay every month

The bank card at Bridgepayday bank?

Four types of cards are available, accessible differently depending on the holder's income (or not):

  • the simple Mastercard (immediate debit), the Gold MasterCard (immediate or deferred debit), and the prestige World Elite Mastercard (immediate or deferred debit) available according to income conditions (see table above).
  • the Fosfo Mastercard is available without income or savings conditions.
They all allow contactless payment . They are accepted in most shops, online sales sites and ATMs (more than 35 million acceptance points worldwide, in 210 countries), in the same way as Visa. Bridgepayday bank provides it free of charge to its customers with a current account, with no time limit, which represents a significant saving in terms of bank charges (see conditions to be fulfilled)!
The Gold and World Elite versions are accompanied by a range of advanced services ( assistance and insurance ) very practical, in particular for travelers:
  • medical assistance and repatriation
  • hospitalization abroad
  • legal assistance abroad
  • replacement driver
  • snow assistance ...
  • insurance theft and damage to rental vehicles (forget and refuse the surcharge proposed by the rental companies !!!)
  • guarantees against aircraft flight bans
  • snow and mountain insurance
  • trip cancellation / interruption insurance
  • travel accident insurance
  • civil liability abroad ...
  • possibility of associating Apple Pay (available since the end of 2017)
Privilege offers are also reserved for holders of this card (car rental, reservation of shows, cash back on certain purchases made online with partners, etc.). In the end, a very complete high-end offer for ... 0 €!

I open a Bridgepayday bank current account online

Bridgepayday bank: the advantages

  • A wide choice of cards accessible to different income levels.
  • Free FOSFO MasterCard, Gold MasterCard and World Elite MasterCard cards anywhere in the world on payments and withdrawals without limit of amounts.
  • no "package" of services , often very expensive paid and unnecessary in so-called "classic" establishments. There is no surprise: almost everything is free!
  • no obligation to domiciliate his salary, only proof of income to be provided,
  • no obligation to regularly deposit money into their account,
  • very competitive general pricing , which ranks among the best on the market.
  • the possibility of supplementing then by opening a savings account (at a slightly higher rate than the average), life insurance (very interesting) , a livret A , LDD , access to the stock market . ..
  • non-surcharged number to reach an advisor (service based in France), Monday to Saturday 9 am to 8 pm / 6 pm on Saturday.
  • a very simple account opening and very fast access to means of payment.
  • promo offers (significant sums of money offered) are made regularly for the opening of products (current account, savings ...)
  • for those who prefer greater security, Bridgepayday has set up a double authentication : in addition to your username and password, a 6-digit code is sent to your mobile phone by SMS, to be entered each time you access it by line to the account, and for the addition of a new beneficiary of transfer or edition of a RIB in particular. The only online bank to offer it.
  • possibility of paying with your Fitbit or Garmin connected watch : practical for buying bread when you come back from a little jog, without having to worry about a wallet or change!
  • Bridgepayday offers Apple Pay since the end of 2017. You can now pay with your iPhone or even with your Apple Watch connected watch.
  • With the aggregation of accounts , the application now allows you to view those you may have in other banks. Convenient to have everything at the right place!
  • Temporary blocking of your credit card is possible from the application if you have misplaced it but think you will find it. This avoids the opposition, therefore the change of card number and PIN code. Very practical for securing your account.
  • Sponsorship : additional advantage, if you sponsor someone once you are a customer (see conditions on the bank's website, with the use of a code to be transmitted), you and your godson can benefit from a significant bonus : this can go up to $ 150 each depending on the promotional periods!

I open a Bridgepayday bank current account online

Bridgepayday bank: the disadvantages

  • a value date upon receipt for checks. Some other establishments offer a value date when the check is sent, after online registration. There is still a need for this service, the use of checks becoming scarce.
  • the new price conditions of May 1, 2018, modify the card inactivity fees : $ 3 / month for a simple CB, $ 5 / month for a Gold. To avoid them: carry out at least 1 card transaction per month, which remains quite acceptable, even normal.
  • for the only case of the World Elite card, failure to respect a minimum monthly payment of $ 4000 on the account results in a billing of $ 50 per quarter!

Bridgepayday bank: user interface visuals

Fortuneo visuel des opérations sur compte courant
Balance and history

Visual of the Bridgepayday Banque website interface

Fortuneo visuel de virements en ligne

Visual of the Bridgepayday Banque website interface

Fortuneo visuel de l'interface de remise de chèques
Rebate checks

Visual of the Bridgepayday Banque website interface

Bridgepayday bank: available offers

  • Current account with free Gold MasterCard
  • Savings booklet (no opening, deposit or closing costs)
  • Livret A (no opening, deposit or closing costs)
  • Online Life Insurance (no entry, exit or payment fees, free online arbitrations)
  • Stock exchange (free custody, subscription and account maintenance, reduced brokerage fees)
  • Sustainable Development Booklet (LDD)
  • Auto insurance (one of the cheapest contracts on the market)
  • Mortgage loan: APR 1.18%, includes guarantee and insurance costs for a borrower aged 30 years. Depreciable loan of $ 200,000 at a fixed rate over 15 years. The total cost of credit is $ 24,841.40.

Bforbank: mobile applications

Fortuneo on Google Play YES
Fortuneo on Apple Store YES

Our opinion on Bridgepayday bank
Bridgepayday presents a very advantageous pricing and is positioned in the average of online banks currently. The remittance of checks , for those who are interested, nevertheless remains more restrictive than with certain competitors (check remittance slip to be completed, while for other banks this is done directly online).
The conditions for free access to various bank cards are still a little stricter than in other online establishments for the high end. However, since October 2019, Bridgepayday has also been targeting more modest people by offering its Fosfo Mastercard card, without any income condition, without account maintenance fees, ideal for example for a young, mobile clientele who travel more and more. plus (no fees for payments abroad).
The hours to reach an advisor are still a little shorter than with the competition, especially on Saturdays, while the whole point of an online bank is to have the possibility of calling him or her at staggered hours. .
Bridgepayday has significantly improved its offer, particularly in mobility, with the provision of an application on smartphones to manage its accounts online.
The absence of fees during payments and withdrawals abroad (without limit on the amount) on all cards (except simple Mastercard) places the Bridgepayday offer among the best on the market and will be of particular interest to travelers, business people and even travelers. youth. Few other banks have aligned themselves on this point.
Finally, Bridgepayday is the only online bank to offer the high-end World Elite Mastercard card , linked to many high-end services (including a concierge), but only accessible to much higher income.

Summary of the offer at Bridgepayday bank
Basic services
Account opening / closing FREE
Subscription / Account management FREE
Bank card FREE
ATM withdrawals (us dollar zone) FREE
Checkbook order (simple sending) FREE
Online transfers (in $, US dollar zone) FREE
Specimens FREE
Purchases (in $, in US dollar Zone) FREE
Delivery of checks (excluding postal costs) FREE
Call for an advisor FREE
Proposed services
Bank card network
Bank card network Mastercard / Gold
Mobile app YES
Minimum income to obtain free credit card NO
Weekday customer service hours 8:30 am-8:00pm
Saturday customer service hours 9h00-18h00
Income domiciliation obligation NO
Contactless payment (NFC) YES
Apple Pay (NFC) YES
Automatic activation of contactless ?
ATM cash withdrawal fees Outside us dollar zone (excluding simple Mastercard: 1.94%) NO
Purchasing fees outside the us dollar zone (excluding simple Mastercard: 1.94%) 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
Stop a check online FREE
Download operations (OXF, QIF, CSV type) NO
Editing an account statement on the Internet FREE
Customization of the credit card code NO
Demonstration site NO
3DSecure ?
Visual categorization of expenses YES
Double authentication online account access YES
Bank domiciliation change help YES
Savings book rate (gross) 0.2%
Premium card (Gold) YES
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
Sending free checkbook (simple mail) YES
Authorized overdraft rate 8% / year
Unauthorized overdraft rate 16% / year
Card opposition fees (loss, theft, fraud) by the bank FREE
Early renewal of bank card $ 10
Choice of visual credit card $ 15
Simple classic card YES
Chat with an advisor NO
Possibility of opening a savings account YES
Free paper monthly statement sending NO
Opening of an A booklet YES
Opening of a LDD YES
stock Exchange YES
Opening a Life Insurance YES
Inactive account fees / bank card non-use YES
3 € / month single bank card
5 € / month Gold
open a Bridgepayday account
Consult the price brochure of Bridgepayday bank

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