Bank comparison: which bank to choose in 2022?, Best French bank: ranking 2023!

Traditional bank / French online bank: choose the best

Contents

And big advantage: a customer service open 7/7 and until 10 p.m ! It is finally the bank where it is the fastest to open an account (a simple identity card is enough with opening 100% online !)).

Bank comparison: what is the best bank ?

The French no longer hesitate to change bank to benefit from a better offer. The banking market continues to expand and welcome new players. It is therefore not necessarily easy to navigate, between traditional banks, online banks and neobancs. How to find the best bank ? What banking services compare ? Here is our Bank 2023 comparison.

From 17/08 to 09/10: up to 180 € of advantages offered on Hello One and Hello Prime + 1 €/month for 6 months on Hello Prime
Here is the detail by offer:

  • One: € 80 offered for all 1 account opening + € 100 in vouchers (for any banking mobility with Hello Start +)
  • Premium: 80 € offered for all 1st account opening + € 100 in vouchers (for any bank mobility with Hello Start +) + € 1 per month for 6 months

�� I open my hello bank account

⚖️ The comparison of 2023 banks by comparabanques

From 0 €/month

  • Current account
  • Minor account
  • Common account
  • Pro account
  • Saving
  • Real estate and personal credit loan
  • Sotck exchange

✔️ Welcome offer: 100 €

From € 7.20/month

  • Current account
  • Minor account
  • Common account
  • Pro account
  • Saving
  • Real estate and personal credit loan
  • Sotck exchange

Welcome offer: 80 € offered

✔️ Current account
✔️ Minor account
✔️ Common account
✔️ Pro account
✔️ Savings
✔️ Real estate and personal credit
✔️ BOURSE

Welcome offer: ❌

Welcome offer: ❌
Price: see conditions relating to the regional fund

  • Current account
  • Minor account
  • Common account
  • Pro account
  • Saving
  • Real estate and personal credit loan
  • Sotck exchange

From € 2.90/month

  • Current account
  • Minor account
  • Real estate and personal credit loan
  • Common account
  • Pro account
  • Saving
  • Sotck exchange

Welcome offer: ❌

From € 6.46/month

  • Current account
  • Minor account
  • Common account
  • Pro account
  • Saving
  • Real estate and personal credit loan
  • Sotck exchange

Welcome offer : ✔️ Free free spirit services for 1 year

From 0 €/month

  • Current account
  • Minor account
  • Common account
  • Pro account
  • Saving
  • Real estate and personal credit loan
  • Sotck exchange

✔️just that 180 € of advantages

✔️ Current account
❌ Minors account
✔️ Common account
✔️ Pro account
✔️ Savings
✔️ Real estate and personal credit
✔️ BOURSE

Welcome offer: ✔️ 80 € offered

✔️ Current account
✔️ Junior account
❌ Common account
✔️ Pro account
❌ Savings
❌ Real estate loan and personal credit
❌ Stock market

✔️ Welcome offer: 3 months offered on Revolut Premium

From 20 €/year

  • Current account
  • Minor account
    • Common account
    • Pro account
    • Saving
    • Real estate and personal credit loan
    • Sotck exchange

    Welcome offer: ❌

    From 3 €/month

    • Current account
    • Young account
    • Common account
    • Pro account
    • Saving
    • Real estate and personal credit loan
    • Sotck exchange

    Welcome offer: ✔️ 160 € offered

    From 0 €/month

    • Current account
    • Common account
    • Saving
    • Real estate and personal credit loan
    • Sotck exchange
    • Minor account
    • Pro account

    ✔️ Welcome offer: up to € 160 offered

    ✔️ Current account
    ❌ Minors account
    ❌ Common account
    ✔️ Pro account
    ❌ Savings
    ✔️ Real estate and personal credit
    ❌ Stock market

    Welcome offer: ❌

    Classification after consideration, by comparabanques, of the price of the offer and its various characteristics. Updated data in August 2023

    here is our Comparison table of the main banks Today present on the banking market, any type of banks combined: traditional banks, online banks and neobancs or mobile banks. Thanks to our Bank comparator, we note that Online banks are increasingly present on the market, And attract many consumers, in particular thanks to their attractive offers and their low banking prices. Traditional banks continue to seduce by their proximity and their customer experience, But are becoming more and more distance from more competitive banking establishments, such as online banks and neobancs.

    Compare banks is essential today in order to find the offer that will best meet your expectations and your profile. Online bank or traditional bank ? Which traditional bank to choose ? What is the best online bank? Your choice will depend on your situation, your expectations, the banking products you need or your income. Our comparabanque experts offer you their Bank comparison 2023 to help you find the best bank.

    �� Online bank or traditional bank ?

    Online banks today have many advantages compared to traditional banks. First of all, they offer generally more attractive offers in terms of prices, but also banking services. There are many online banks that now offer payments and free withdrawals abroad, which is far from being the case with the offers of traditional banks. The account opening is fast and simplified A maximum of online banks, when traditional banks still sometimes ask customers to move to sign and validate the account opening.

    Where online banks also stand out, it is by offering generous welcome offers. By opening an account or by subscribing to a specific offer, the customer receives in return a certain sum on his new bank account, or benefit from several months of free contributions.

    If online banks have enough to seduce, they have some drawbacks in the face of traditional banks that are important to note. You will usually have No dedicated advisor By subscribing to an online banking offer, unlike traditional banks that almost always have the same interlocutor if necessary. The proximity relationship is therefore necessarily less strong with an online bank. But it is important to emphasize that online banks still make available Many ways to contact customer service, especially by phone or secure messaging.

    It is also important to Look at the offer of banking products offered by online bank before opening an account. Depending on your needs, some online banks will not offer the same types of banking products or will have a less extensive range than traditional banks.

    In short, online banks still have a lot of assets compared to traditional banks more rigid and less attractive in terms of offers and prices. An online bank will better correspond to a customer, autonomous and comfortable with digital products looking for an attractive banking offer at lower cost. A customer looking for a strong proximity relationship, and a conventional banking offer will turn more to a traditional bank.

    And if you choose an alternative bank ? A new kind of bank is gradually interfering in the landscape: ethical banks. Find out how to get involved by placing your money in one of these ecological and united banks.

    �� Bank comparator: essential banking services and products to scrutinize

    You are looking for a new banking offer ? You want to change bank in 2023 ? Before making your choice, it is important to Compare banking offers well. For this, do not hesitate to Use an online comparator. A banking comparator will allow you to save time in your research, by gathering information in one place. In addition, the comparator helps you Find the most attractive offer according to your needs, by directly comparing the various banking rates and services of banks.

    You don’t really have time to compare the offers, Also find the top 8 comparabanques of the best banks on the market.

    10 banking services to compare before committing

    Using a comparator is good, knowing what to compare is even better. If the price is obviously one of the first criteria to take into account, other criteria are also not to be overlooked when you want to change the bank.

    here are the 10 banking services to compare To find the establishment that suits you best:

    1. The different types of bank card offered
    2. The possibility of having a RIB
    3. Collection of checks and transfers
    4. Consultation of your online banking balance
    5. SEPA samples
    6. The amount of costs abroad
    7. The price of a bank check
    8. Carrying out cash operations
    9. Accessible documents
    10. Available insurance

    Today, Most banking establishments offer the same types of services. But it is important to make sure that the bank that interests you brings together the various services you need daily. For example, if you want to be completely independent on the management of your accounts and your various banking products, management via mobile application of online banks will certainly suit you. Also be aware that most traditional banks today allow a Remote account management Thanks to a customer area available online or via a mobile application.

    Also, do not hesitate to Consult the various customer reviews on the quality of customer service before making your choice, also comparing the various ways to contact the bank. If customer relationship is an essential criterion for you, it is better to turn to a traditional bank that will allow youRegularly exchange with your ATTITIDERED BANKS Advisor.

    What are the most used banking products ?

    If banking services should be compared before choosing a bank, do not forget to also look at the various banking products offered by the bank in question. Indeed, if today online banks are attractive, they do not necessarily offer a range of extensive or qualitative products. And this is even more true for neobancs, who generally only offer current account offers.

    To make your choice, Here are the most cutting banking products used by consumers during their lifetime:

    • The current account
    • the credit card
    • Savings products
    • life insurance products
    • PEA, PEA-PME, securities account
    • Credits: real estate, auto, consumption
    • the insurance
    • foresight

    If the current account and the bank card are offered by all banking establishments, Prices and types of bank cards vary from bank to bank. On the price side, the big winners are obviously online banks and neobancs, who, in the absence of physical agencies, save certain people who have repercussions on the price of their offers. Be careful however, associated services and granting conditions must be compared before subscribing to an offer.

    On the savings side, you will find the regulated booklets among traditional banks but also in many online banks. Some establishments also offer their own savings booklets, to be studied, in particular concerning interest rates and opening conditions. Regarding life insurance contracts, It varies a lot from one establishment to another. To be compared before subscribing to an insurance contract: the costs of opening, payment and closing, the various supports available and especially profitability.

    Do not forget to Compare the different insurances offered by the bank, and what are the conditions to benefit from it. These are usually the small lines that are to be checked before subscription, because Many warranty exclusions are not known by the customer upstream.

    ➡️ Change bank: compare before changing

    Change bank for an online bank

    The arrival of online banks and neobancs on the market has considerably changed the banking landscape, and it is today Easy to compete by changing banking establishments For a better price or better services. Banks therefore redouble their efforts to continue to seduce and retain their customers, faced with increasingly agile and attractive competitors.

    To accentuate this competition, customers can today very easily change bank, especially since the arrival of Bank mobility assistance service in 2017. To put it simply, if you want to change the bank, you can entrust all the steps to your new bank. It is she who will thus notify the various organizations taking withdrawals from your account, and to transfer the various automatic transfers if there are. This service is completely free, you must simply signify your agreement in writing to benefit from it.

    Please note, only current accounts are affected by the banking mobility service. If you have other accounts such as a life insurance contract or a savings book, it’s up to you to carry out the termination procedures.

    ❓ F.HAS.Q: Banque comparison in 2023

    �� What is the best bank in 2023 ?

    The best bank in 2023 is Boursorama Banque. The Société Générale subsidiary remains the most popular bank with French. The online bank is distinguished by its attractive prices and banking costs. Boursorama Banque is indeed elected the cheapest bank for 14 years consecutive. Boursorama Banque is also a Extensive range of banking products (credit, savings, insurance, scholarship, etc.) and a Welcome bonus of ✔️ 100 € offered (for any subscription to Welcome or Ultim).

    �� Traditional banking comparison 2023

    If online banks have the coast, Physical banks continue to seduce customers looking for a quality banking service, but above all proximity. Traditional banks are based on their experience and seniority to continue to attract new customers, despite prices and undeniably higher bank fees that online banks.

    here is a comparison of the various bank card prices and account holding fees according to traditional banks.

    From € 7.20/month

    • Current account
    • Minor account
    • Common account
    • Pro account
    • Saving
    • Real estate and personal credit loan
    • Sotck exchange

    ➡️ Current costs:

    ✍️ Account holding costs: ✔️ Included

    �� Inactivity costs Not disclosed

    ➡️ International fees

    �� Withdrawal in euro zone: ✔️ 3 free withdrawals per month excluding dab sogebeyond € 1 per withdrawal

    �� Withdrawal outside the euro zone: 3 € + 2.70%

    ✈️ International payments 1 € + 2.70%

    ➡️ Fresh on transfers:

    �� Instant transfer: 0.80 €/Transfer

    �� SEPA transfer: ✔️ Free

    �� International transfer: From 9 €

    ✔️ Current account
    ✔️ Minor account
    ✔️ Common account
    ✔️ Pro account
    ✔️ Savings
    ✔️ Real estate and personal credit
    ✔️ BOURSE

    ➡️ Current costs:

    �� Account holding costs: ✔️ Included

    �� Inactive account holding costs: 30 € per year

    ➡️ Travel costs abroad:

    �� Withdrawal in euro zone: ✔️ at no cost* in the DABs of the HSBC group, otherwise € 1 per withdrawal from the 5th withdrawal per month

    �� Withdrawal outside the euro zone: ✔️ at no cost* in the DABs of the HSBC group, otherwise € 3.05 per withdrawal + 2.90%

    ✈️ Payments while traveling abroad: 2.90%*Ceiling of € 2,500/ 30 days

    ➡️ costs on payment incidents:

    ��️ Intervention committee: 8 €/operation – max 80 € per month

    �� Authorized discovered: �� Not communicated

    �� Unauthorized discovered: �� Not communicated

    ➡️ Fresh on transfers:

    �� Instant transfer: ❌ Unavailable

    �� SEPA transfer: ✔️ Free

    �� International transfer: € 12.50/Transfer

    From € 6.46/month

    • Current account
    • Minor account
    • Common account
    • Pro account
    • Saving
    • Real estate and personal credit loan
    • Sotck exchange

    ➡️ Current costs:

    �� Account holding costs: ✔️ Included

    �� Inactive account holding costs: �� Not communicated

    ➡️ Travel costs abroad:

    �� Withdrawal in euro zone: 6 free per month then 1 €

    �� Withdrawal outside the euro zone: 2.90 % + € 3

    ✈️ Payments while traveling abroad: 2.90 % + 0.90 €

    ➡️ costs on payment incidents:

    ��️ Intervention committee: 8 €/operation – max 80 € per month

    �� Authorized discovered: ✔️ Available on request

    �� Unauthorized discovered: ✔️ Subject to the bank’s acceptance

    ➡️ Fresh on transfers:

    �� Instant transfer: € 1/transfer

    �� SEPA transfer: ✔️ Free

    �� International transfer: 0.06% + 1% exchange commission.

    Classification after consideration, by comparabanques, of the price of the offer and its various characteristics. Updated data in August 2023

    Traditional bank / French online bank: choose the best !

    Bank comparison

    You want to know more about the Best French bank for individuals ? You are in the right place ! ��
    A conventional bank provides many services and products and to be assisted by a dedicated advisor while an online bank offers 100% digital services. Not easy to make your choice ..

    What is the best bank ? Which bank to choose ? What are the advantages and disadvantages of traditional banks, online banks ? What are the services offered ? At what prices ?

    To answer these questions, here is our comparison of the best banks on the market ! ��

    Best banks comparison

    Bank card

    Learn more

    Visa Premier 3 €/month

    Excluded: 200 € offered before 25/09 + 5% booklet !

    Free Ultim Visa

    100 € offered !

    Free HELLO One visa

    180 € offered + Hello premium at € 1 for 6 months

    MasterCard
    Fosfo / Gold / Elite
    free

    Up to € 230 offered !

    Free standard mastercard

    Up to 100 € offered !

    Free Mastercard

    No offer

    Visa card € 2.9 / month

    No offer

    Free first visa

    No offer

    Standard visa
    0 €/month

    Premium visa
    € 7.99/month

    10 € offered !

    Visa V-Pay
    1 €/ month

    80 € offered + Sobrio at 1 €/month for 12 months !

    Premier visa 2 € /month

    5 online offers with many advantages !

    Visa Classic € 3.7/month Visa Premier € 11.16/month

    80 € offered + 1 year free free spirit !

    Free Classic / Visa Visa Free

    ✅ Until 100 € offered !

    Inventive mastercard € 2 / month

    No offer

    What is the best French bank in 2023 ?

    Ranking of the best banks in 2023 ::

    Comparison of the best banks in France on the market !

    This comparative table of the best traditional banks and online banks Allows you to find out more about network establishments, proposed bank cards, prices and current offers. Thus, you will be able to know at a glance which bank offers the most interesting bank card and the most competitive price.

    Best banks comparison

    Bank card

    Learn more

    Visa Premier 3 €/month

    Excluded: 200 € offered before 25/09 + 5% booklet !

    Free Ultim Visa

    100 € offered !

    Free HELLO One visa

    180 € offered + Hello premium at € 1 for 6 months

    MasterCard
    Fosfo / Gold / Elite
    free

    Up to € 230 offered !

    Free standard mastercard

    Up to 100 € offered !

    Free Mastercard

    No offer

    Visa card € 2.9 / month

    No offer

    Free first visa

    No offer

    Standard visa
    0 €/month

    Premium visa
    € 7.99/month

    10 € offered !

    Visa V-Pay
    1 €/ month

    80 € offered + Sobrio at 1 €/month for 12 months !

    Premier visa 2 € /month

    5 online offers with many advantages !

    Visa Classic € 3.7/month Visa Premier € 11.16/month

    80 € offered + 1 year free free spirit !

    Free Classic / Visa Visa Free

    ✅ Until 100 € offered !

    Inventive mastercard € 2 / month

    No offer

    Thanks to this comparison, we have seen the following elements ::

    • Welcome offers available (limited duration) ✔️
    • Different types of bank cards are available ✔️
    • We note that the best banks are online banks ✔️

    So we will now see what is the best bank in detail thanks to our ranking, but also deliver a guide to choose a bank as well as the advantages and disadvantages of this type of establishment !

    ⭐ Best French bank: the detailed classification !

    Not all physical banks offer the same advantages, services and products. To see more clearly, we have developed a classification of traditional banks so that you can know all the information necessary to make the right choice: bank cards, prices, entry conditions and the advantages of each establishment.

    1. Monabanq ��

    Monabanq: Presentation

    Bank card & price

    Unrelated

    ✔️ Excluded: € 200 offered before 25/09 + 5% booklet !

    ✔️ 1 account opened = € 1 paid to SOS Children’s villages

    Monabanq is for us the best French bank in 2023 . The main point which allows it to reach the top of the ranking lies in the quality of its services.

    While many hesitate to experience online bank due to a fear of the dematerialization of banking services, Monabanq succeeds in the perfect summary between an online bank and a traditional bank. Quality of service (awarded customer service, etc.), numerous banking products (credit, pro account, insurance, etc.), CIC and Crédit Mutuel distributors, checkbook offer, etc. The advantages of Monabanq are not lacking.

    And this with all the positive points of the online bank with one of the best apps on the market, a welcome offer and to top it all an ethical and humanitarian commitment.

    The advantages of the Monabanq online bank are:

    • Prices with good value for money ✔️
    • Savings in bank charges ✔️
    • High quality of service ✔️
    • A rewarded customer service ✔️
    • Without any income condition ✔️
    • Check and cash deposit CIC distributor and Crédit Mutuel ✔️
    • A welcome offer ✔️
    • Many banking products ✔️

    2. Balance Bank

    Boursorama Bank: Presentation

    Bank card & price

    Current offers

    ✔️ 100 to 150 € offered during the Pink Weekend
    ✔️ 100 € offered for the opening of an account (Ultim and Welcome) !

    ✔️ Additional € 70 in case of domiciliation !

    ✔️ € 100 offered for the opening of a savings booklet !

    ✔️ 80 € offered for the opening of a pro account !

    Boursorama Banque is for us the 2nd best bank on the market. It is simply the cheapest bank in France, and this since the 13th consecutive year. If you are therefore looking to make concrete savings on your bank charges compared to the prices of a traditional bank, it is the perfect bank for that.
    Even more, thanks to the expertise of Société Générale (her parent company) she offers a significant number of banking products, ranging from consumer credit to savings booklets through children’s accounts or even home insurance.

    With its premium of € 130 for the opening of an account and its many promotions pampering its customers (cashback, reduction) it is really interesting if you want to test the online bank at a lower cost with practical and innovative features.

    The advantages of the Boursorama Banque online bank are:

    • The cheapest bank on the market ✔️
    • 3 accounts without income condition ✔️
    • A premium account offer (Visa Ultim Metal) ✔️
    • A welcome offer of € 130 offered (paid in 48 hours) ✔️
    • Many promotions (cashback…) ✔️
    • A wide range of banking products (life insurance, scholarship, etc.) ✔️
    • An app very well rated by its customers with innovative services ✔️

    3. Hello Bank !

    Hello Bank: Presentation

    Bank card & price

    Current offers

    Visa hello one visa hello prime 5 €/month

    Hello One: without conditions
    Hello Prime: € 1000 per month

    ✔️ 180 € offered + Hello premium at 1 € for 6 months

    Hello Bank is the third best bank in France in our ranking. Its global offer is halfway between a classic bank and an online bank, thanks to the expertise of the BNP Paribas, its parent company. This allows online bank to combine the advantages of its digital universe (welcome offer, very competitive prices, fluid and modern mobile app, interesting and unique features) and the world of banks with agencies (BNP Paribas Available agencies, VIOLE OFFER, Many banking products, joint account, etc.).

    An online bank in the end balanced which will correspond to many profiles that would like to test the online bank with a reliable and inexpensive service.

    The advantages of online bank Hello Bank are:

    • Interesting prices ✔️
    • Many banking products (real estate, savings, etc.) ✔️
    • Two additional accounts ✔️
    • Well rated mobile app ✔️
    • 2000 BNP Paribas agencies (Checks and species deposit) ✔️
    • Mobile payment with Apple Pay ✔️

    4. Orange Bank

    Orange Bank: Presentation

    Bank card & price

    Current offers

    Standard mastercard free

    ✔️ Until 100 € offered !

    ✔️ Savings rate boosted at 2%

    Orange Bank is the 4th best market on the market according to our analyzes. It stands out for the competitiveness of its prices and this on all lines (daily, travel, payment incidents, etc.) and on its two accounts (standard and premium) designed for people wishing to save with essential services and those who would like more premium experience of online banking (insurance, assistance, exclusive MasterCard Priceless, high ceilings, etc.).

    Big high point, the absence of entry conditions and interesting promotions with cashback, boosted rate savings book, welcome offer, even more if you are a customer at Orange ! Finally, the mobile app is applauded on blinds for its general quality, with the highly appreciated presence of mobile payment (Apple Pay & Google Pay).

    The advantages of Orange Bank online bank are:

    • Interesting rates and savings generators ✔️
    • Two offers without entry conditions ✔️
    • Simple and quick account opening ✔️
    • Many promotion (cashback, welcome offer…) ✔️
    • Special offer original family ✔️
    • 2% boosted savings rate ✔️

    5. N26

    N26: Presentation

    Bank card & price

    Current offers

    Virtual mastercard free

    ✔️ Cashback up to 0.5% !

    N26 is the 5th best bank currently of our ranking. Elected “Best Bank in the World in 2021” according to Forbes, she is for us the best mobile bank. Indeed, its axis towards digital is particularly successful with one of the best banking apps on the market, which collects very positive opinions from its customers: ergonomics, fluidity, innovative features … Count counts, it offers for all The needs with a free account and 3 other paid (free of charge) with services evolving gradually to the most premium.

    Accessible without income condition, it is also suitable for those who travel regularly with features and prices studied in this sense, but also for those interested in cryptocurrencies !

    And big advantage: a customer service open 7/7 and until 10 p.m ! It is finally the bank where it is the fastest to open an account (a simple identity card is enough with opening 100% online !)).

    The advantages of the N26 mobile bank are:

    • Source savings rates ✔️
    • Very good app ✔️
    • Very positive customer reviews ✔️
    • Customer service open even on Sundays until 11 p.m. ✔️
    • High CB ceilings ✔️
    • 4 bank accounts covering many needs ✔️

    6. My French Bank

    My French Bank: Presentation

    Bank card & price

    Current offers

    Visa free

    My French Bank is the 6th best bank in this ranking. A subsidiary of the postal bank, my French Bank is what is called a “low cost” bank. For only € 2 per month, you have an account, a bank card and an app to control your current account. The main advantage of the bank lies in its prices which are inexpensive for the features offered.

    The mobile app is very well rated on blinds by customers and for good reason, it offers a number of features that provide a real daily plus: real -time balance update, high bank card ceilings to be at the ‘comfortable, many tools to manage your daily budget, or the presence of Apple Pay mobile payment, these are the examples of the practical services that you can use every day.

    It is therefore reserved for young people, as well as people who would like to test the mobile bank at a lower cost and who wish to control their budget.

    The advantages of the Mobile Bank My French Bank are:

    • Cheap banking costs ✔️
    • No fees for operations abroad ✔️
    • An application very well noted by its users ✔️
    • Practical tools to manage your money ✔️
    • High card ceilings ✔️
    • The presence of a tale for teenage we start (12-17 years old) ✔️

    7. Bforbank

    Bforbank: Presentation

    Bank card & price

    Current offers

    Visa Classic & Premier free

    € 1,200 per month min.

    ✔️ Stock Exchange: € 2,000 transfer fees reimbursed !

    Bforbank rose number 7 of our placement of the best bank in France. Formerly positioned as a high -end online bank, it is gradually democratized to offer today three interesting account offers and covering many needs. Its main advantage is again in cheap banking costs, an efficient banking application (ergonomics and fluidity), but also very interesting banking products.

    Indeed, whether for mortgage or for the stock market universe, Bforbank offers quality products as well as continuous promotions over the year, making it a competitive bank in this regard. The bank has just added mobile payment to Apple Pay to its arsenal, which will delight smartphones users !

    The advantages of online ban Bforbank are:

    • 3 additional bank account offers ✔️
    • Concrete expertise on banking products ✔️
    • Many promotional offers ✔️
    • Mobile payment (Apple Pay) ✔️
    • A mobile application with good reviews ✔️

    8. Revolut

    Revolut: Presentation

    Bank card & price

    Current offers

    Standard visa free
    Premium visa € 7.99/month

    Revolut is the 8th bank of our ranking ! Since 2022, the mobile bank has become an “online bank” thanks to the obtaining of the Lithuanian banking license. This change in status allows customers to obtain a local IBAN, customers based in France can therefore benefit from a French RIB, a major asset to manage its current operations (reception of income, bank directors, etc.).

    In addition, its mobile application is one of the best on the market, thanks to intuitive features, ideal ergonomics and practical tools to manage its budget and more broadly its account.

    The International Tourned Bank allows its customers to benefit from the exchange rate in real time, free payments and withdrawals abroad (up to € 200 per month for the standard offer) and international transfers at a much lower cost than in competition.

    The bank accounts marketed by Revolut are accessible to everyone without minimum income, its offer is therefore suitable for many profiles: students, young workers, travelers … The subscription has the advantage of being simple and quick, because the procedures are carried out from the ‘app in a few minutes and few supporting documents are required.

    Here are the strengths of Revolut ::

    • Clear and attractive pricing ✔️
    • 4 bank offers available (1 free and 3 premium from 2.99 to € 13.99 / month) ✔️
    • Access to cryptocurrencies ✔️
    • 30 currencies available ✔️
    • No income condition ✔️

    9. Société Générale ��

    General Society: Presentation

    Bank card & price

    ✔️ 80 € offered + Sobrio at 1 €/month for 12 months !

    Physics Bank Société Générale is positioned 8th best bank. It is distinguished by the fact that it offers a range of products and full services. At the entrance, the physical bank offers the Kapsul account invoiced in the form of a monthly subscription of € 2 per month and the Sobrio account from € 6.20 per month.

    The Kapsul account gives access to a Visa International bank card and the Sobrio account to all bank cards marketed by Société Générale. The monthly contribution of the Sobrio account depends on your choice of bank card: from € 6.20 to € 27.90.

    Traditional Societe Generale Bank

    The advantages of the Physical Bank Société Générale are:

    • Large range of bank cards ✔️
    • Complete products and services ✔️
    • Bank account with card from € 2/month ✔️
    • Cashback program up to 20% ✔️
    • Promotions for young people ✔️

    10. BNP Paribas

    BNP Paribas: Presentation

    Bank card & price

    ✔️ 80 € offered + 1 year free free spirit !

    The traditional BNP Paribas bank is 9th in the best bank ranking. It offers different free spirit bank accounts to benefit from promotions such as 50% discount on the second bank card, a free withdrawal package outside of BNP Paribas distributors or even reductions on optional services.

    The free spirit account formula depends on the age of the customer and his choice of bank card. A first offer is dedicated to young people aged 18 to 24 and a second intended for customers over 25 years old.

    The BNP PARISBAS BANK

    The advantages of the BNP Paribas physical bank are:

    • Large range of Visa bank cards ✔️
    • Offers for young people ✔️
    • Free spirit pack with promotions and discounts ✔️
    • Mobile payment ✔️
    • Large agency network ✔️

    11. HSBC

    HSBC: Presentation

    Bank card & price

    ✔️ -50% reduction on the 2nd card of your joint account !

    The HSBC physical bank is 10th in the ranking of the best banks. It offers a free bank account with the possibility of subscribing to multiple conventions, including hexagon HSBC from € 8.30 to € 29.25 per month with several bank cards to choose from: Visa Classic, Visa Premier, Gold Mastercard and Visa Infinite. HSBC monthly prices depend on the chosen bank card.

    Its network of international agencies allows you to save on costs abroad such as withdrawals, because they are free if they are made with distributors of the traditional bank outside the euro zone. The traditional bank also has a well -developed and well rated mobile app on blinds, with in particular mobile payment and features facilitating daily budget management.

    The traditional HSBC bank

    The advantages of the traditional HSBC bank are:

    • Complete products and services ✔️
    • € 100 vouchers offered from 3 domiciled operations ✔️
    • Multiple convention offers adapted for several profiles ✔️
    • Large range of bank cards ✔️
    • International agency network ✔️

    12. Bank Axa

    Axa Bank: Presentation

    Bank card & price

    ✔️ 250 € offered in case of domiciliation !

    The traditional Bank Bank is ranked 11th in our best bank ranking. It offers an Ogoon bank account at € 6.90 per month with a Visa Classic or first free bank card and the classic banking services.

    To obtain the Visa Classic card, you must be able to justify € 750 in minimum monthly income and the Visa Premier card is accessible from € 2,500 minimum income per month. No income condition is required if you opt for the Visa Classic discovery offer.

    To keep your bank card free, you must comply with the conditions of use.

    AXA BANK Physical Bank

    The advantages of the Axa Banque physical bank are:

    • Free visa bank card ✔️
    • Offer at € 6.90/month ✔️
    • Loan range ✔️
    • AXA insurance ✔️
    • Free account holding costs ✔️

    13. LCL

    Traditional Bank: LCL

    Bank card & price

    Premier visa
    € 142.80/year

    ✔️ Wide range of bank cards

    ✔️ Complete services and products

    ✔️ Bank account from 2 €/month

    The LCL physical bank is the 12th best bank in our ranking. It offers several types of bank accounts to meet the needs of the various customer profiles, including the essential account billed € 2 per month with a Mastercard bank card with systematic authorization.

    LCL Essential is a bank account aimed at simplicity: conventional banking services, cashback program LCL City Store at partner merchants, etc. If you need additional services, you can turn to an LCL bank account with several bank cards, services and products to choose from.

    The traditional LCL bank

    The advantages of the traditional LCL bank are:

    • Wide range of products and services ✔️
    • Offer from 2 €/month ✔️
    • Card offer ✔️
    • Cashback LCL City Store ✔️
    • No account holding fees if income domiciliation ✔️

    What is the best traditional bank ?

    The best traditional bank is Société Générale ✅. Its wide range of bank cards, full services and products and bank account offer at € 2 per month are real assets and make it the best physical bank. In addition, the French physical bank provides its customers with an efficient application from which they can manage their bank account.

    Société Générale is the best traditional bank because ::

    • It offers attractive prices on the physical bank market ✔️
    • is recognized for its expertise in investment product ✔️
    • offers an offer at 2 € per month ✔️
    • offers 80 € offered for any account opening with Sobrio ✔️
    • markets a large offer of banking products ✔️
    • Has a good mobile app ✔️

    What is the best online bank ?

    The best online bank is monabanq ✅. In addition to being the best online bank, we consider that this is currently the best bank on the market. For us, this is the best bank on the market for all category because it combines all the advantages of online banks (cheap prices, very good mobile app, welcome offer …) but also those of traditional banks (customer service Very efficient, wide choice of banking products, access to the network of CIC & Crédit Mutuel distributors, etc.).

    Monabanq is the best bank because it ::

    • offers the best offer between physical banking and online banking ✔️
    • offers the best quality of service ✔️
    • has one of the best customer services on the market ✔️
    • Allows saving on significant banking costs ✔️
    • Has a very good mobile app ✔️
    • Allows you to access the DAB Crédit Mutuel and CIC ✔️ network

    What is the best mobile bank ?

    The best online bank is n26 ✅. This is the best mobile bank currently on the market. It has one of the best mobile apps on the market with an impressive batch of functionality: mobile payment, instantaneous transfer, instantaneous balance of the balance, savings management functionality … very good returns from its customers, a large offer of account with competitive prices make her a full mobile bank.

    N26 is the best mobile bank because it ::

    • offers one of the best banking apps on the market ✔️
    • offers really inexpensive prices ✔️
    • incorporates many features ✔️
    • markets a large account offer ✔️
    • is one of the most innovative banks ✔️

    �� As a reminder, a mobile bank is a bank whose operation and banking experience is focused mainly on the mobile app. A computer version obviously exists, but it is distinguished from online bank by the fact that it is designed priority for people who are looking to control their daily account from their mobile app.

    ⭐ What is a traditional bank compared to an online bank ?

    A traditional bank is a bank with a network of banking agencies physical through the territory in order to allow its customers to carry out their current operations and meet their advisor in a space close to their home or workplace. This type of establishment allows its customers to open a bank account, obtain means of payment, carry out various banking operations and access various products such as a savings account or a mortgage.

    �� An online bank is a dematerialized bank, whose services are only accessible on the Internet (computer / mobile, tablet) with a lack of banking agencies (with a few exceptions). It is distinguished by much cheaper prices than those of traditional banks with a range of services that remain below what a classic bank offers.

    How to choose your bank ?

    To find a good bank you must:

    • Define your needs (in products and services) ✔️
    • Compare banking offers according to your needs ✔️
    • Check the quality of service from the bank (customer reviews, etc.) ✔️
    • Check the level of bank charges for a given level of service ✔️
    • Consult customer reviews ✔️
    • Consult user reviews on the blinds ✔️
    • Check the entry conditions ✔️
    • Check the conditions for the welcome offer of the bank ✔️
    • Compare all of these criteria with your current bank ✔️

    Important precision, nothing engages you with a bank. In the sense that if you want to open an account in an online bank, you can decide to close your account when you want. In the same way, banking domiciliation is not compulsory.

    You can perfectly find an online bank or a mobile bank and even a traditional bank to simply test it, without obligation on your part. The evolution of laws is favorable to banking migration, so do not hesitate to really test make your choice.

    Choose an online or physical bank ?

    Concretely, Online banks will be more recommended for people who wish above all to save money and who have an essential use of their bank, That is to say for daily operations (pay, withdraw …), with a requirement in terms of digital services (mobile app, mobile payment, etc.). Practitioner and instantaneity are at the heart of online banks, as well as savings on bank charges compared to conventional banks.

    �� Traditional banks will be recommended to people who have concrete projects to set up (real estate purchase, investment, etc.) and who wish in this context to have expertise with a dedicated advisor who supports them. Physical banks offer more products and services than online banks due to their seniority. Due to this quality of services, prices will be more expensive than on online banks.

    Physical and online bank: how to choose the right ?

    To help you choose a physical bank, we have developed a complete guide grouping all the information to know: the services offered by this type of establishments, the advantages, the disadvantages and a comparison of the bank charges charged by traditional banks.

    �� What are the services of a physical bank and an online bank ?

    The services of a physical bank are as follows ::

    • Bank opening and closing ✔️
    • Deliverance of a rib ✔️
    • Delivery of a bank card ✔️
    • Check deposit ✔️
    • Timal and reception of transfers (SEPA / SWIFT)
    • Deposit and withdrawal of species ✔️
    • Dedicated banking advisor ✔️
    • Complete banking products ✔️
    • Mobile payment (for some) ✔️

    ��The services of traditional banks are varied, numerous and remain classic. Indeed, we note that the choice of innovation is less pronounced than in online banks (virtual bank card, mobile payment, instant payment …), even if there are exceptions. You can for example find traditional banks with innovative tools but often in small numbers, when they are very widespread in online banks.

    The services of an online bank are as follows:

    • Bank opening and closing ✔️
    • Deliverance of a rib ✔️
    • Delivery of a physical bank card ✔️
    • Check deposit (some) ✔️
    • Timal and reception of transfers (SEPA / Swift) ✔️
    • Delivery of a virtual bank card ✔️
    • Mobile payment ✔️
    • Instant transfer ✔️
    • Bot cat ✔️
    • Customer service for widening schedules ✔️
    • Savings management services (aggregator, categorization, etc.) ✔️
    • More perfected mobile app ✔️

    ��The services of an online bank obviously incorporate the entire classic service of traditional banks, For daily operations. However, they have a significantly more oriented development axis, either with tools that do not exist in traditional banks (virtual bank card, etc.) or in a little pronounced way. Experience is therefore more focused on the dematerialization of the bank, with the absence of a dedicated banking advisor and available in agency.

    �� What are the prices of a traditional bank and an online bank ?

    The prices of traditional banks are homogeneous : account holding costs are about twenty euros, bank cards are paid, as is withdrawals in a distributor of another bank and a payment is imposed on the opening of an account in this type establishment.

    Let’s start with the prices of physical banks: ��

    Prices comparison
    traditional banks

    LCL

    HSBC

    Societe Generale

    Bank Axa

    BNP Paribas

    80 € offered + Sobrio at 1 €/month for 12 months !

    1 year free free spirit !

    And here is now a comparison of online banks costs: ��

    Prices comparison
    Online banks

    Monabanq

    Balance Bank

    Hello Bank

    Orange Bank

    N26

    Revolut

    ✅ The bank charges of a physical bank are higher than those practiced by online banks, it is their main difference. The latter offer a low cost, or even free bank card, the costs of holding are generally free, the withdrawals of species are unlimited and free and the costs abroad are often reduced, or even absent.

    ��Nevertheless, traditional banks have additional services and products, a network of physical agencies and allow their customers to be assisted by a dedicated advisor and thus benefit from expertise on banking products such as credits or savings accounts for example.

    �� What are the advantages of the traditional bank and the online bank ?

    The advantages of the traditional bank:

    • the presence of a network of physical agencies across the territory ✔️
    • The presence of a network of physical agencies sometimes internationally ✔️
    • The presence of a dedicated advisor ✔️
    • An offer of banking products (insurance, mortgage, personal loan, savings account, etc.) more complete ✔️
    • A dedicated advisor ✔️
    • Distributors to deposit checks and species ✔️
    • Historical anchor ✔️
    • Solid equity ✔️

    �� A physical bank will have more expensive banking services but will offer more, as the presence of greater expertise on the world of mortgage for mortgage for example or the presence of an advisor dedicated to who to contact.

    Traditional bank advantages

    The advantages of online banking:

    • much more interesting rates ✔️
    • Absence of account holding costs ✔️
    • cheap or free bank card ✔️
    • more successful mobile apps and with more features ✔️
    • A customer service that can be reached on wider beaches ✔️
    • A welcome offer for some ✔️
    • Some offer a network of ticket distributors / check check ✔️
    • offers without income conditions ✔️

    �� Online banks focus more on the essential services of a daily bank, which allows him to offer rates that are much cheaper than a traditional bank.

    �� What are the disadvantages of the traditional bank and the online bank ?

    The drawbacks of the traditional bank:

    • higher prices ⚠️
    • regular price increases ⚠️
    • Mobile apps often lagging behind ⚠️
    • Need the advisor for certain steps (change ceilings, etc.) ⚠️

    ��The disadvantages of the traditional bank are the very high prices ! On average, a customer spends more than € 200 per year of bank charges and, each year, prices increase significantly.

    These increases in rates already very high bring many French people to leave their traditional bank to move towards online banks and neo-banks which offer services and similar products at more attractive prices: free bank card or at low cost , absence of account holding costs, reduced, or even absent foreigners, etc.

    Traditional bank disadvantages

    The drawbacks of online banking:

    • a certain distrust of the general public
    • No dedicated customer advisor;
    • A harder customer service to reach even if in appearance more accessible time levels
    • Less banking products available than in a physical bank
    • a lack of expertise on certain products
    • lack of child account (mostly)

    ��For online bank, The major disadvantage lies in the lack of services and a certain distrust of 100% dematerialized banking experience, even if this fear dissipates year after year in view of the accounts in an online bank, which reaches Several million now in France but also positive opinions concerning online banks on certified opinions sites or on the blinds of the apps.

    �� Why use a comparison of physical and online banks ?

    Using a banks comparison allows you to know at a glance the prices and advantages of each establishment. Before making your choice, it is essential to take the time to study the offers of the banks in order to find the one who will meet your daily needs and your projects for the future.

    With a bank comparison you can:

    • View welcome offers ✔️
    • Compare the prices of bank cards ✔️
    • Compare the costs on a daily basis (account holding, etc.) ✔️
    • Compare banking products offered ✔️
    • Check which bank is the cheapest
    • View the features of each bank’s app
      etc.

    �� A comparison of traditional or online banks therefore summarizes the prices and certain advantages such as welcome bonuses, So you will have a first idea of ​​the one that suits you and thus make competition play. By consulting the prices, you can save money by opting for a cheaper bank. By consulting a comparison, you also save time, because all the information is gathered in one and the same space, and you do not have to study each offer by consulting the website of the coveted establishment.

    Best bank in France: what to remember !


    Finding the best bank is not an easy task
    , And this particularly today where the number of banking players (traditional bank, online banking, mobile / neobank banking) has never been so important !

    A physical bank allows access to a large number of services and products, to be assisted by a dedicated advisor and to have a network of agencies available everywhere in France. Prices vary from bank to bank, but are generally quite high compared to those practiced by online banks.

    Online banks and mobile banks offer banking prices Really cheaper and an overall more efficient mobile app in terms of features and / or interactivity. They are also distinguished by a larger promotional universe, especially through cashback or welcome offers.

    To deal with competition from new players that are these online banks and these neobancs, More and more physical banks offer at low cost account offers and certain advantages such as welcome bonuses or a free bank card. However, these offers are still insufficient to make traditional banks interesting actors from a tariff point of view: the prices are still much more advantageous on the side of online banks.

    However, it can be seen that the best banks for everything related to banking products are still traditional banks, which in addition to offering a large variety of products are also different from a certain expertise (savings and financing solutions, stock market investment, etc.).

    To make the right choice, we therefore advise you to consult a comparison of the best banks in order to find the one that corresponds to your profile and which best meets your daily needs and your projects for the future.

    In addition to this comparison of the best traditional banks, We have made available a number of specific analysis files to them, where you can find in detail all aspects of conventional banks such as:

    • The different types of accounts
    • Banking cards and means of payment
    • Banking products offered
    • The mobile application, etc.

    The idea is to offer you an opinion on the banks in the perspective that you can subsequently formulate yours. Do not hesitate to consult our analysis files on banks with agencies such as: Boursorama Banque, Hello Bank, ING, Fortuneo, N26, HSBC, BNP Paribas, LCL or Société Générale.

    Our additional resources:

    • Bank costs comparison
    • Online banking comparison
    • Online banking promotions comparison
    • Online banking comparison with agencies
    • Comparative joint account
    • Online BANCE Customer Service Comparison

    A suggestion or the desire to give your opinion on the traditional bank ? Put us a little comment, we will be happy to answer you or bounce back on your remarks ! ��