Open a Monabanq account: Deadline and conditions | Hellomonnaie, opening of the Monabanq account in a few steps

Open a monabanq online account

Your bank account plays a crucial role in the management of your expenses, because it is through him that most of your financial transactions pass, whether it is to pay your bills, make purchases or receive your salary. It is therefore important to make the best choice !

Open a Monabanq bank account

Everything you need to know to open a Monabanq account: before the opening of a Monabanq account informs here on how to open a monabanq account, the opening time and the opening conditions.

  • Paid but complete offers (Visa card with systematic authorization or Visa Classic included)
  • No income or use of the card (even with the Visa Premier card)
  • The Visa Premier card at € 3/ month as an option (free the first year), without conditions
  • Possibility of opening a personal account or a joint account
  • Offer adapted to individuals and self-employed
  • Access to the CIC and Crédit Mutuel agencies (cash and check deposits)
  • One of the only online banks to offer a young booklet
  • Lack of free offer
  • Only online bank to charge an intervention committee
  • Paid but complete offers (Visa card with systematic authorization or Visa Classic included)
  • No income or use of the card (even with the Visa Premier card)
  • The Visa Premier card at € 3/ month as an option (free the first year), without conditions
  • Possibility of opening a personal account or a joint account
  • Offer adapted to individuals and self-employed
  • Access to the CIC and Crédit Mutuel agencies (cash and check deposits)
  • One of the only online banks to offer a young booklet
  • Lack of free offer
  • Only online bank to charge an intervention committee

The best online banking offer !

Your bank account plays a crucial role in the management of your expenses, because it is through him that most of your financial transactions pass, whether it is to pay your bills, make purchases or receive your salary. It is therefore important to make the best choice !

  • Monabanq belongs to the CIC/Crédit Mutuel: it combines the flexibility of an online bank and the services of a physical bank.
  • 100 % digital registration procedure from the site or the mobile application.
  • His offers are paid but without conditions

How to open a monabanq account in 10 steps

The subscription is done online via the Monabanq site or the mobile application. On no place it is mentioned that we can do the procedure from a CIC/Crédit Mutuel agency.

Here is the procedure to open an account:

Study in detail the offers proposed to find out that which suits you best: Pratiq, Pratiq+, Uniq, Uniq+ or Pratiq Pro (for auto-entrepreneurs)

Select the card you want: Visa Classic (free), systematic authorization visa (free), first visa (€ 3/month, free the first year)

Filled the registration form. We will notably ask for the following information: name, first name, address, nationality, monthly net income, wealth, socio -professional category, family situation, etc.

Choose your options: banking mobility service, security guarantee, “card that saves”.
Electronically sign the contract.

Removal of your proof of address, identity and income on a secure interface (the link sent by email after confirming the account opening request)

An advisor will study your file within 5 working days.

When the documents have been verified, you will receive a RIB and a connection identifier within 5 working days.

Make an initial transfer of € 150 on the account whose contact details are registered on the bank identity statement.

When the payment is validated, you will send you within 5 working days the card with the code and the identifiers to access your customer area (in separate folds).

There you go: your account is now open. You just have to activate your card by making a first deposit.

Monabanq account: eligibility conditions

To have the right to open an account on Monabanq, you must:

Being older than 18.
Living in metropolitan France or in the DROM COM*.

Being an individual or an auto-entrepreneur: companies, associations or SCIs (real estate civil companies) are not eligible for this offer.

Do not appear in the National File of Credit Reimbursement Incidents to Individuals (FICP), or in the central check file.

Be able to provide all the necessary documents requested.

Make a transfer of € 150 or more from an account in your name established in France, in the EEA or in a country in the SEPA zone

* The DROM COMs bring together the following territories: Martinique, Guadeloupe, Guyana, Réunion, Mayotte, Wallis and Futuna, French Polynesia, Saint-Martin, Saint-Barthélemy, New Caledonia and Saint-Pierre-et-Miquelon.

Monabanq: an account without income condition ?

Unlike many online banks, Monabanq offers formulas and cards without income condition or use.

Indeed, online banks derive a large part of their income from the commissions received during the use of means of payment (paid by merchants). To be able to offer a free offer, but still a profitable minimum, online banks must therefore ensure that the account and especially the card are used. Require a certain income level and set up a condition of use on the card, encourages people to use it. This is how online banks are able to offer gratuitousness while ensuring positive average profitability.

Monabanq has taken a different path: this is one of the few online banks not to offer any free offer. By setting up a monthly subscription, Monabanq ensures not only a fixed minimum income but also makes a bet on the fact that a person who pays for a account is more inclined to use it regularly (see even as a account main). Monabanq is therefore remunerated while guaranteeing total freedom in the use of the account.

Overview of the various formulas offered by Monabanq

Pratiq Pratiq+ Uniq Uniq+
Contribution 2 €/month 3 €/month 6 €/month 9 €/month
Map Visa Classic or systematic authorization Visa Classic or systematic authorization Visa Classic or systematic authorization Visa Classic or systematic authorization
Check No Yes Yes Yes
Implementation of the authorized overdraft 8 € Free Free Free
Free species deposits (CIC gab) None (5 €/operation) 4/year (beyond, € 5/operation) 4/year (beyond, € 5/operation) 12/year (beyond, € 5/operation)
Instant transfers No € 1/operation 1/month (beyond, € 1/operation) 2/month (beyond, 1 €/operation) 5/month (beyond, € 1/operation)
Withdrawals and payments in the euro zone Unlimited Unlimited Unlimited Unlimited
FREED RETURNS Outside euro zone No 2% of the amount withdrawn (minimum € 1) 3/year
beyond, 2% of the amount withdrawn (minimum € 1)
25/year
beyond, 2% of the amount withdrawn (minimum € 1)
Unlimited
Free payments outside the euro zone No 2% of the amount No 2% of the amount 50/year
beyond, 2% of the amount
Unlimited
Exchange commission to pay Yes Yes Yes No
Check Possible in the DAB CIC and Crédit Mutuel Possible in the DAB CIC and Crédit Mutuel Possible in the DAB CIC and Crédit Mutuel Possible in the DAB CIC and Crédit Mutuel
Insurance No No Payment, telephone, purchase on the Internet Payment, telephone, purchase on the Internet

Source: Monabanq.com, 04/21

Monabanq offers 3 types of cards:

Open a monabanq online account

Monabanq is distinguished from other online banks with an offer without income condition for only two euros per month. We will detail the procedure to open an account in this establishment.

Monabanq account opening

It is possible to subscribe to the Monabanq current account directly online. By going through Culturebanque or directly on the Monabanq site, you can complete an online form. From a technical point of view you will need a scanner or a camera (this can be your smartphone). The account opening requires an initial deposit of € 150 on the Monabanq account. This deposit made by bank card will allow you to use the account as soon as the opening is finalized.

The welcome bonus : And if you donate your welcome bonus in favor of an association ? Reverse the Bank premium to the SOS Children’s Villages Association as part of your account opening !

5 reasons to open an account at Monabanq : In addition to the first visa card refunded in the 1st year, Monabanq has 5 important arguments to motivate you with its amazing products and services !

Prepare some supporting documents for the opening of the Monabanq account : As in all banking establishments, valid proof of identity is requested, for example an identity card, a passport or new driving licenses (since 2013). Just scan this proof or take a picture of them with your smartphone. Same for proof of address of less than three months it can be an electricity or gas or telephone bill. It is specified that mobile phone bills are not accepted by Monabanq. Even if Monabanq’s offer is available without income conditions, the future customer is asked to attach proof of income or money back. This allows the bank to adapt its offer (discovered, ceiling) to customers. Finally, it is compulsory to reach the RIB of your current bank to finalize the opening of the Monabanq account.

The digital file is transferred directly to Monabanq. Account opening will be formalized within 48 hours if the file is complete. When the file is incomplete the bank returns to you to ask you for additional elements. Regulation you have a 14 -day withdrawal period if you wish to cancel the account opening. The bank will keep you informed of all stages of the opening account: your access codes, the bank card, the secret code.

If you want a more traditional method to open your account it is possible to call the monabanq platform. A TV-consiller will be available at 0810 002 001 to accompany you. This online advisor will prepare a file for you and then send it to you by post.

The Monabanq joint account

To open the joint account you must follow the same procedure as the classic current account. On the other hand the subscription will be made by post. When you open a joint account, each co-holder can operate independently to credit or debit.

A means of payment (card or checkbook) can be issued to each of the co-holders without the agreement of the other. One of the co-holders can also decide to take out an overdraft authorization. Please note, if an holder is affected by the banking ban following the issue of a unpaid check, then the other holder will also become banned banking.

Operation of the Monabanq account

You can edit a bank identity statement (RIB) at your convenience. This RIB allows you to share your bank references to a friend or an organization to receive a transfer. This RIB also makes it possible to set up authorizations of EDF type levies, family allowances, social security, etc

Each month you will receive at your home a monabanq account statement. This account statement details all the operations recorded in the previous month. This account statement is accessible by internet, but you can also receive it at home. Each month an email will announce the availability of the account statement. Note that this account statement is available for 10 years on your customer area.

Regulation the bank must also send you an annual statement of the costs. This document will be sent to you at the start of the year and constitutes a summary of all the costs collected by the bank during the previous year.

Monabanq allows you to make species or check discounts on your account. For this, the species deposit must be carried out in an automatic counter of the CIC network. The delivery of a check leaning against your name and signed can be carried out in 2 ways. You can send a postal check to headquarters in Lille or drop the check in a CIC network agency. As in all banking establishments you can make as you wish according to the available balance: occasional or permanent transfers, cash withdrawals, check or card payment …

All Monabanq offers

  • The youth check for 16 to 18 years old with his card,
  • The young savings book for children and adolescents,
  • The self-employed account for the self-employed.

Open a Monabanq joint account: Conditions and steps

Monabanq joint account

Opening a joint account makes it possible to greatly facilitate the management of an account common to two or more. Many banks today offer this service. This article explains how to open one at Monabanq, an online bank particularly suitable for young couples.

Monabanq joint account offers

�� Monabanq: elected customer service of the year 2023 for the 6th consecutive year ! Each year, the independent organization Elected customer service of the year Evaluates customer service from hundreds of brands to better orient the consumer in his choices as to a product or supplier.
In 2023, and for the 6th consecutive year, Online bank Monabanq is winner of the customer service election of the year ! Thus proving its seriousness and reliability towards its customers.

Discover Monabanq offers

Monabanq Propose four current account offers available in individual account as in an attached account. Two Visa Classic or Visa cards with systematic authorization are included in the offer.

For 3 €/month, in addition to the price of the offer, customers can obtain a first visa card without proof of income. To obtain an ultra premium card, customers can opt for the Visa Platinum card at € 9/month.

From € 2 to 11 €/month depending on the card chosen

From € 3 to 12 €/month depending on the chosen card

✔️ Immediate debit | ✔️ Delayed flow

✔️ Immediate debit | ✔️ Delayed flow

✔️ No income condition

✔️ No income condition

✔️
Subject to acceptance by the bank

✔️
Subject to acceptance by the bank

Up to € 2,500/30 days

Up to € 2,500/30 days

✔️ Free and unlimited

✔️ Free and unlimited

2% of the amount withdrawn

✔️ 3 free withdrawals per year

from € 6 to 15 €/month depending on the chosen card

from € 9/month to 18 €/month depending on the chosen card

✔️ Immediate debit | ✔️ Delayed flow

✔️ Immediate debit | ✔️ Delayed flow

✔️ No income condition

✔️ No income condition

✔️
Subject to acceptance by the bank

✔️
Subject to acceptance by the bank

Up to € 2,500/30 days

Up to € 2,500/30 days

✔️ Free and unlimited

✔️ Free and unlimited

✔️ 25 free withdrawals per year

✔️ Free and unlimited

✔️ Free and unlimited

Visa Classic card or systematic authorization included. Premier visa card available for 3 euros additional; Platinum visa card available for € 9 additional. Updated data in September 2023

*Visa Classic card or systematic authorization included. Premier visa card available for 3 euros additional; Platinum visa card available for € 9 additional

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MONABANQ video presentation

A joint account is a bank accounting account, intended for private personal use, used simultaneously by two people. It is also possible to keep your personal account and also use a joint account for all common expenses. Everyone can have account money as they want thanks to several bank cards. Confidence is therefore.

How to open a monabanq joint account ?

1 year of first visa reimbursed ! Right now, get the Refund for 1 year of your first visa without income condition ! At the opening of a joint account The two first visa cards are reimbursed the first year.

What are the conditions for opening a monabanq joint account ?

  • No minimum income condition
  • To be of age
  • Tax reside in France and have a RIB from a French bank

What are the steps to open a Monabanq account ?

  1. Connect to the Monabanq site, open the section “Current account”, click on “subscribe”, Fill in the first form and choose the option “Joint account”
  2. Fill in personal information and the sponsorship code
  3. Proceed to the initial payment
  4. Sign the contract proposed by Monabanq
  5. Send supporting documents necessary to validate the request to open the online joint account by post
  6. The account is validated by Monabanq within 48 hours

Attention : The choice of the title of the joint account is important, ” Mister or miss “ Allows everyone to carry out operations with their only signature, “Monsieur and madam” systematically involves the two signatures.

What are the supporting documents to open a joint account ?

here are the Different documents requested by Monabanq for the opening of a joint account ::

  • A proof of a domicile of less than 3 months for each cotitular (if different place of residence)*
  • The RIB / IBAN of the bank account used to make the initial payment (in the name of the cotitular, in the euro zone)
  • Last name, first name, date of birth and signature of each of the co -transplants on free paper*
  • The last tax notice of each cottown

*These supporting documents are not compulsory if the customer is already a monabanq client.

Open a joint account in an online bank or in a traditional bank ? First of all, it is not necessary to already hold an individual account to open a joint account in an online bank. Then the choice of a bank is made according to its needs. An online bank offers more flexibility but the absence of a physical agency can slow down certain customers.
However, Monabanq tries to fill the lack of a physical agency with attentive customer service: Monabanq customer service was “elected customer service of the year”, online banking categoryFor the sixth consecutive year in 2023. To contact Monabanq customer service, it’s here.

Monabanq joint account prices

Service Service price
Opening, operation and monitoring of your account
Monthly account statement Free
Opening, transformation or separation of the joint account Free
Account holding fees € 3 (-50% for children under 18)
Account statement duplicate € 12 (included in UNIQ+)
Checks
Discount and check Free
Payment by check Free
Opposition costs check by the transmitter Free
Immediate debit CB card contribution Free
Removing species to the automatic ticket distributor in the EEA countries Free
Card opposition fees Free
Transfers
Reception and emission of a transfer Free*
Costs by occasional transfer Free*
International transfer, issued or received (minimum € 20) 0.1 % of the amount (included in UNIQ and UNIQ+)
Discovered and credit
Interest debtors – Authorized discovered Nominal rate at 8 % per year
Unauthorized debtor interests – Discounted Regulatory rate ceiling – 0.05%

EEE: European Economic Space

Why open a monabanq joint account ?

1. Simple and effective operations
  • The steps are simplified: Everything is done via the website, at any time, from the mobile or the tablet. The “Smart Watch” application and an SMS or Mail alert device also greatly facilitate account management.
  • The account is Fully managed online, And this, from its creation which takes only a few minutes. Digital slips also allow you to record checks online.
  • Online banks costs are reduced Compared to conventional banks.
2. No income conditions

Any customer, not prohibited banking, can subscribe to all Monabanq offers, even the first offers that are the Visa Premier card and the Platinum visa. There is no minimum income to justify. Please note, you will still have to transmit documents relating to your financial situation: the last salary slip (if you are an employee), the pages of your tax notice (if you are retired or self -employed), proof of schooling (if you are a student), … but No minimum income is required by Monabanq when the account is opened.

This is a very important advantage, especially for students or young couples. For comparison, BforBank for example requires a minimum income of 2,400 euros net when opening a joint account.

3. Monabanq, partner of the CIC

Monabanq customers, although it is an online bank, can achieve at any time A check for check at no additional cost in one of the 2,000 automatic counters of the Monabanq partner CIC partner. They can also perform every year up to 5 cash deposits, No additional cost in ATC Distributors of the CIC. This is one of the few online banks that retains a close link with physical agencies which makes it competitive at the level of customer relations.

  • The other services offered by Monabanq
  • Savings products Including banking booklets (booklet A, sustainable development book, growth book, savings book, term account)
  • An offer for young people (Young booklet, Young Savings Account)
  • Life insurance products (Monvanaq Life Premium), Consumer Credit (Auto Loan, Work Credit, Renewable Credit), Insurance (Borrower, Auto, Health, Provident, Housing) and mortgage since 2019.

Find out more about Monabanq to compare Monabanq’s offers compared to other online banks, consult our online banks comparison. Also discover our full opinion on Monabanq.