The best online banking offers

If you are the type who never visits your bank branch, your bank advisor is a complete stranger and you are tired of paying multiple fees for your account, then maybe now is the time for you to switch to an online bank!

Long considered a fad linked to the development of the Internet, the online banking sector has developed very positively, and attracts more and more followers every year.

Today, it is common to manage your account entirely from a website or mobile application, without ever setting foot in a bank branch.

It is therefore logical to choose a fully dematerialized bank.

Many advantages are offered, such as reduced fees, full online services, and sometimes even a bonus in euros when registering.

It is therefore worth comparing the offers!

The best online banking offers

BNP Paribas: 80 euros and free Esprit Libre essentials

At the moment and until November 30, BNP Paribas is offering 80 euros as well as the Esprit Libre essentials during the first year of subscribing to an online deposit account.

This makes it possible to pay no fees on the card and the account, to have commission-free withdrawals at all BNP Paribas distributors and partner networks, or to benefit from insurance for all your means of payment as well as unlimited instant transfers. .

A very complete offer, associated with the expertise of a recognized physical bank.

Click here to take advantage of the BNP Paribas offer

Hello Bank: 80 euros and three months free

Hello Bank's most comprehensive offer is called Hello Prime: it allows you to take advantage of many services anywhere in the world, including free card payments and withdrawals and free instant SEPA transfers, for only 5 euros per month.

At the moment, the first three months of subscription as well as 80 euros are offered for any opening of an account of this type.

The only access condition to access the offer: earn at least 1,000 euros in net income per month.

Click here to take advantage of the Hello Bank offer

BforBank: the card offered and current transactions free

As for BforBank, we are banking on the free use of most of the essential services of an online bank account: the Visa Classic or Visa Premier bank card is offered, as is the checkbook, and current transactions are also free of charge.

Insurance and assistance guarantees are also included with the cards provided by the bank.

Finally, another advantage of BforBank: its customer service based in France.

Its experts are available by email, phone and chat.

It is possible to open an account from 1200 euros of net income per month.

Click here to take advantage of the BforBank offer

MonaBanq: the Visa Premier card reimbursed

MonaBanq offers several types of online accounts accessible from 2 euros per month for the Pratiq account, up to 9 euros per month for the Uniq + account.

The services and benefits differ depending on your choice, but it is possible to find the account model that exactly matches your needs, for a very affordable price in any case.

At this time, MonaBanq reimburses the Visa Premier card for one year, without income conditions.

Click here to take advantage of the MonaBanq offer

ING: the free Mastercard card and many advantages

Like most online banks, ING relies on many advantages being free.

Two offers are offered by the organization: the Essential Offer, with a standard Mastercard, an immediate debit or even 5 free withdrawals per month, all without charge and without conditions.

For its part, the Comprehensive Offer includes a Gold Mastercard, immediate or deferred debit and unlimited free withdrawals.

A free account provided you deposit at least 1200 euros per month: otherwise, the subscription is billed 10 euros per month.

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Click here to take advantage of the ING offer

What are the advantages of an online bank?

Unlike a traditional bank, which has physical branches, an online bank requires lower operating costs: there are no premises to rent, far fewer customer advisers ... the result is therefore strongly felt on bank charges, which are very low or sometimes non-existent in the context of online banking.

The bank card is generally offered free of charge and the management fees are also particularly low, when they exist!

And contrary to popular belief, online banks don't just issue a current account: there are also savings books, life insurance and stock market orders.

Again, the benefits are great because of the reduced fees, and interest rates can be much higher than those offered by traditional banks.

Finally, another advantage: online banks offer services that are accessible at any time, on perfectly optimized and secure platforms.

And in case of a question or problem, it is always possible to communicate with a banking advisor, remotely, by phone, chat or email.

In short, online banking means more freedom, but always with assistance when needed.

How to open a bank account online?

To become a customer of an online bank, there are some essential steps to follow.

First of all, once your choice has been made, you must check that you meet the eligibility conditions, in particular related to your age, your place of tax residence ... you must also be an individual: most online banks are closed to businesses and autoentrepreneurs.

Note also that, depending on the online banks, income conditions may be required, for example to benefit from the free credit card.

The next step, if you are eligible for the conditions, is to complete the form offered by the bank.

The latter can ask for very precise information, in particular concerning your employment and your income: it is a mandatory step, since you do not meet a physical advisor.

This is usually also when you can enter a promotional code, if the bank offers one.

Then comes the last important step, which consists of sending the supporting documents to conclude the opening of the account.

Here again, the way varies depending on the bank: some accept documents scanned and sent by email, others require it to be sent by post.

In cases, be prepared to provide a copy of identity document, proof of address, payslip or tax notice, as well as the RIB of your old bank.

Once all these steps have been taken, all you have to do is wait for your account to be activated and your bank card to be received!

How to change online bank?

Switching from a physical bank to an online bank, or switching from one online bank to another requires similar steps.

It is first of all essential to choose your new bank carefully, and to open your new account via the steps explained above.

Once the process is completed, you have two accounts.

And this is where the Macron law comes into play with the principle of banking mobility: you can ask your new online bank to manage, for you, the transfers of your accounts from your old to your new bank, if you do so. desire.

In this case, it is therefore your new online bank which is responsible for contacting your creditors and your transfer issuers, to communicate your new bank details to them, within 10 working days.

In some cases, this process may automatically end with the closure of your old account.

But you may still need to send a letter with acknowledgment of receipt to your old bank, making it the last step in changing banks.