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This online bank offers you its Gold card for one year with many advantages

2022-07-21T05:35:08.832Z


For all your current expenses and those that are out of the ordinary, the online bank FLOA offers a Gold card full of advantages.


You undoubtedly have a bank account, either in a traditional bank or in an online bank.

This account is probably associated with a bank card that you use frequently.

But are you satisfied with it?

Does your current bank card offer you attractive advantages each time you use it?

Chances are the answer is no!

And that's a shame, because you're missing out on a lot of possibilities.

The FLOA Bank Gold card offers** many advantages.

It is directly linked to your usual current account, and you just have to use it like any other bank card to take advantage of its advantages.

Currently, FLOA Bank offers it to you for one year: you have no contribution to pay for 12 months, which allows you to benefit from it without constraint.

Click here to

take advantage of the Gold Floa Bank card offered for one year

What are the benefits of the Floa Bank Gold Card?

One of the first strengths of the FLOA Bank Gold card is that it allows you to accumulate Cashback each time you use it.

This means that each of your payments made with your card allows you to earn a percentage of your expenses: it is 2% at Casino and Cdiscount, and 1% everywhere else.

For example, if you spend 100 euros at Cdiscount, you earn 2 euros.

Your kitty can quickly climb and you can then reuse it to pay for your purchases.

Cashback also accumulates when you make payments online!

The Gold card also gives you access to payment solutions in 4 instalments*** free of charge from 60 euros of purchase at Casino.

At Cdiscount, payment in 3x 5x 10x 20x is offered throughout the year and payment 4, 6 and 10x free of charge during promotional periods.

Added to this are the insurance guarantees attached to the card, which allow you to travel with peace of mind since they include medical assistance, travel assistance, civil liability or even loss and theft insurance for your Gold bank card. .

In addition, your purchases are also protected by an extended manufacturer's warranty of up to 2 years.

  • Example of a 1st use of €3,000 of an annually renewable credit (2) of €6,000: 56 monthly payments (3) of €81.00 and 1 last monthly payment (2) of €43.56 (excluding optional insurance ) at the revisable APR of 21.10% and at the revisable borrowing rate of 19.149%.

    Total amount owed by the borrower = €4,579.56 based on installments excluding optional insurance.

    Maximum monthly cost of optional insurance(4) = €21.04 in addition to the monthly payment.

    The effective annual rate of the insurance is 10.627%.

    The total amount due under the insurance is €744.95.

The FLOA Bank Gold Card includes all of these benefits and more.

Its usual rate is 4.5 euros per month, or 54 euros per year.

But by subscribing today, one year of subscription is offered to you.

You can therefore enjoy it without constraint and discover all its advantages for free for 12 months.

Click here to

take advantage of the offer on the Gold Floa Bank card

How is the Gold card used on a daily basis?

The card offered by FLOA Bank is directly linked to the current account that you have in your usual bank: when you make a payment with it, you are debited with the amount of your purchase as usual.

Nothing changes for you, except the bank card you use every day.

You can get an overview of the cumulative amount by using your Gold card from your account on the FLOA Bank website.

Obviously, the Gold card does not only allow you to pay for your purchases in stores or on the Internet: you can also make cash withdrawals from all ATMs in the Euro zone, up to 1000 euros over 7 rolling days.

Your card is also valid for international payments, in more than 200 countries around the world, belonging to the Mastercard network.


A credit commits you and must be repaid.

Check your repayment capacity before you commit.

FLOA Bank is the brand under which the financial and banking products of the company FLOA, leader in payment solutions in France, are marketed.

The Gold FLOA card is an accessory credit card with annually renewable credit.

It can be used in cash or on credit, at the time of payment.

*Conditions of the welcome offer valid until 08/23/2022.

The welcome offer includes free card subscription for a period of 12 months from the subscription of the Gold card made on the floabank.fr site.

**Subject to acceptance of your file by FLOA.

*** 4x free of charge: with the Gold card, pay for your purchases in 4 installments free of charge in Géant Casino stores from purchases of €60.

Example for financing of €60: 4 monthly payments of €15, fixed APR of 0%, fixed borrowing rate of 0%.

Total amount owed by the borrower, excluding optional insurance: €60.

The cost of this special use of your revolving credit is covered by your store.

In the event of subscription to the optional borrower's insurance, the maximum monthly cost of the insurance will be €0.41;

TAEA: 8.602%.

Total cost of insurance: €1.04.

Insurance cost not covered by your store.

(1) Cashback = cash back in the form of vouchers.

The FLOA Bank Gold card allows you to accumulate 2% of the amount of purchases made in the Géant Casino and Cdiscount brands (instead of 1% with traditional FLOA Bank bank cards) to be used in the said brands.

See conditions on the floabank.fr website.

Calculation of cashback: 2% on all your purchases at Casino (Géant Casino, Hyper and Supermarket Casino excluding fuel, gas, external sales) and Cdiscount and 1% on all your payments made everywhere else with your Gold card (excluding withdrawals, transfer of money and financial draw) donated in the form of vouchers at Casino and Cdiscount.

An example: you pay €300 at Casino or Cdiscount (food, household appliances, toys, etc.) with your Gold card = you accumulate €6 (€300 x 2%).

You spend €400 with your Gold card in other stores for everyday purchases (fuel, shopping, leisure, etc.) = you accumulate €4 (€400 x 1%).

You have therefore accumulated €10 which will be paid to you in the form of vouchers worth €5 on your purchases in Casino stores and €5 on your orders on the Cdiscount.com website.

(2) Subject to acceptance of your file by FLOA and after expiry of the legal withdrawal period.

Rate conditions in force on 07/01/2022 and subject to review.

(3) The monthly payments include the repayment of capital, interest and optional borrower insurance if you have subscribed to it.

The total cost of credit varies according to the duration and the amount borrowed.

The monthly payment cannot be less than 15€.

The amount of the monthly payments is variable according to the total amount of the credit and a percentage of the capital due resulting from all of your uses, namely: Monthly payments on credit according to the following scale: up to €3,000: APR revisable from 21.10%, i.e. a revisable borrowing rate of 19.149%, monthly installment of 4.20% of the capital employed or 3.75% without insurance.

Beyond €3,000: revisable APR of 9.86%, i.e. a revisable debit rate of 9.404%, monthly payment of 2.65% of the capital used or 2.20% without insurance.

Example of use on 01/07/2022,

(4) Or 0.69% of outstanding loans.

Highest monthly insurance cost, calculated for a borrower under the age of 66 covered in the event of Death, Total and Irreversible Loss of Autonomy (PTIA), Temporary Total Incapacity for Work (ITT) and Loss of 'Employment for a borrower under the age of 66.

Contract taken out by FLOA with ACM VIE SA (SA with capital of €778,371,392 - RCS STRASBOURG 332 377 597 – Head office: 4 rue Frédéric-Guillaume Raiffeisen - 67000 STRASBOURG Postal address: 63 Chemin Antoine Pardon, 69814 TASSIN cedex) and SERENIS ASSURANCES SA (SA with capital of €16,422,000 – RCS ROMANS 350 838 686 – Head office: 25 rue du Docteur Henri Abel, 26000 VALENCE - Postal address: 63 Chemin Antoine Pardon, 69814 TASSIN cedex), companies governed by the Code Insurances.

FLOA - SA with capital of €55,136,600 - Building G7, 71 rue Lucien Faure, 33300 Bordeaux - RCS Bordeaux 434 130 423. Establishment subject to the control of the Prudential Control and Resolution Authority (ACPR) 4 Place de Budapest, CS 92459, 75436 Paris cedex 09 and registered with ORIAS (www.orias.fr) under number: 07 028 160.


Source: leparis

All life articles on 2022-07-21

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