The best banks for young people 16-25 year olds

✔️ Unlimited ephemeral virtual cards
✔️ Bonus: Pockets + Cashback
✔️ Free account with French RIB open in a few minutes
✔️ Efficient tools for budgeting and expenditure analysis
✔️ Discounts and cashback on major brands (Nike, Amazon, Adidas, etc.)).
✔️ withdrawals and payments abroad free of charge and at the real exchange rate, within the limits of your subscription

The best students’ banks: Selectra Prize

For the fourth consecutive year, Selectra publishes his list of the best student banks. When you are a student, choose a bank that meets your needs and your budget is essential. Also, Sectra has screened 101 banks and 162 banking offers. Free bank card, student loan, young booklet, quickly discover the best banking offers for students !

up to 120 € offered

Monabanq offers you up to 120 € For a first current account opening.

Boursorama Banque offers you Until 100 € For very first account opening.

Up to € 230 offered

Fortuneo offers you up to 230 € For a first account opening.

�� Best banks for students: our top 3

Here are the 3 banks identified by Selectra as the best student banks at the end of the 2022 list:

From 0 €/month

✔️ A free card without income conditions
✔️ Visa Classic insurance abroad
✔️ No cost on payments abroad
✔️ 1 free currency withdrawal per month
✔️ Discovered authorized after 3 months

From 0 €/month

✔️ Free debit card without income conditions
✔️ Mastercard Standard insurance cover
✔️ No fees on withdrawals and payments abroad
✔️ Free ephemeral e-card
✔️ Discovered authorized after 6 months

Learn more

From 0 €/month

✔️ Free card without income conditions
✔️ No costs on exchange operations in more than 30 currencies
✔️ No fees on withdrawals and payments abroad
✔️ Unlimited free ephemeral virtual cards
✔️ Cashback on many brands with Rewards

✔️ Boys management thanks to VOIVT POCKETS

Ranking updated in August 2022 as part of the 2022 list of Selectra

�� Youth accounts 16 – 25 years: very specific needs

Choose a bank when you are a student, its not always easy ! And yet, difficult to ignore to perceive your first income and manage your expenses. First job, internship, studio to pay .. Choose a good student bank is essential to better manage your budget, very often tight !

For students, choosing a bank often returns to opt for a cheap bank. In this game, it is the online student banks and the neobancs that come out winnings, with Complete offers at low prices, often attached to a Efficient mobile application allowing you to manage your account independently from your smartphone.

But the traditional banks did not say their last word, with offers dedicated to students. They are forgiven their delay in terms of mobile application and innovation, as they have a size argument against digital banks: The banking advisor staff. They are also the only ones to have young booklet offers and preferential rate loans.

�� Choose the best online bank for student: our comparison

Bungeorama Bank, elected Best Bank for Students

Welcome
0 €/month

International visa card with systematic authorization

Google Play: ⭐ 4.8/5
Apple Store: ⭐ 4.8/5

✔️ A free card without income conditions
✔️ Visa Classic insurance abroad
✔️ Free payments abroad

❌ An overdraft authorized after 3 months of seniority only
❌ Only 1 free currency withdrawal per month
❌ Person in banking not accepted

Updated data in August 2022 as part of Selectra’s 2022 prize list

For the 3rd consecutive year, Boursorama Banque won the First place in the list of best banks for student selectra !

Not surprisingly for the online bank which stands out thanks to its Two free offers and without income condition : Ultim and Welcome

Always on the lookout for good deals, students will be seduced by the welcome bonus and the bourse sponsorship offer, among the most generous on the market.

✨ The real more fellowship ? Ultra -low banking costs, especially abroad, with travel insurance, ideal for internship students or in exchange abroad. Another highlight of Boursorama: a Sexy and efficient mobile application, An essential for technophile students.

Fortuneo, 2nd best online student bank in our ranking

Fosfo
0 €/month

International MasterCard card with systematic authorization

✔️ up to € 230 offered

Google Play: ⭐ 3.9/5
Apple Store: ⭐ 4.5/5

✔️ Free debit card without income conditions
✔️ No fees abroad
✔️ Free ephemeral e-card
✔️ Mastercard Standard insurance cover

❌ Removal ceilings and limited payments
❌ Little innovative mobile application
❌ Discovered Accessible after 6 months of seniority

Updated data in August 2022 as part of Selectra’s 2022 prize list

Silver medal of our Student bank record, The Fosfo de Fortuneo offer stands out for its Free international card and accessible to everyone as well as the lack of fees abroad, a boon for globetrotters students.

✨ Another strong point in fortuneo ? A Functional mobile application, including many tools to control your account and a Fortuneo virtual card.

However, it fishs by an outdated design and the absence of certain interesting features for students, like SMS transfers or instant blocking/unlocking of the card in the event of loss or theft.

�� The most advantageous mobile banks for students

Here is a general overview of our ranking of the best neobancs for a young profile under 29 years old:

Learn more

From 0 €/month

✔️ No costs on exchange operations in more than 30 currencies
✔️ No fees on withdrawals and payments abroad
✔️ Unlimited free ephemeral virtual cards
✔️ Cashback on many brands with Rewards
✔️ Boys management thanks to VOIVT POCKETS
✔️ New: RIB FR

From 0 €/month

✔️ 3 free withdrawals abroad with Lydia Bleu
✔️ Simplified budget management on a daily basis: instant transfers, Lydia kitty
✔️ 100% of transfers are instantaneous to facilitate reimbursements with friends
✔️ Lydia roulette: refund of a transaction every hour
✔️ Access to the Trading + Cashback offer

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

Revolut, n ° 1 of neobancs for student

✔️ Current account
✔️ Junior account
❌ Joint account
✔️ Pro account
✔️ Savings
✔️ Crypto-monnaies
❌ Immal credit and personal loan
❌ Stock market

✔️ Standard revolut card: 0 €/month
✔️ Revolut card Plus: € 2.99/month
✔️ Revolut Premium card: € 7.99/month
✔️ Revolut Metal card: € 13.99/month

✔️ Welcome offer: 3 months offered on Revolut Premium
New: Sponsorship code

Google Play: ⭐ 4.5/5
Apple Store: ⭐ 4.8/5

✔️ Unlimited ephemeral virtual cards
✔️ Bonus: Pockets + Cashback
✔️ Free account with French RIB open in a few minutes
✔️ Efficient tools for budgeting and expenditure analysis
✔️ Discounts and cashback on major brands (Nike, Amazon, Adidas, etc.)).
✔️ withdrawals and payments abroad free of charge and at the real exchange rate, within the limits of your subscription

❌ No digital safe
❌ No Face ID
❌ No telephone line

Updated data in August 2022 as part of Selectra’s 2022 prize list

Revolut and its standard offer are placed in Pole position of neobancs for student. The Lithuanian neobank is distinguished thanks to a Free and accessible offer and banking costs close to zero.

✨ The real more revolut ? Her Mobile application without equivalence, which is full of very practical features, allowing the student to learn to manage his budget as a chief: monitoring of expenses, rounded to the euro, creation of sub-accounts, etc.

Shared accounts: Life for two or in simplified roommates Living students living in two or in a colocation will be seduced by the Shared spaces : the ideal tool for fairly pool common expenses !

Revolut was right with his Standard offer adapted to the needs of students and his Mobile-USE-USS ultra -complete !

Lydia, 2nd best neobank for students

Free Lydia
0 €/month

Blue Lydia
€ 4.90/month

Virtual card
Physical card: 5 € send it

International visa card with systematic authorization

✔️ Immediate debit | ❌ Delayed

✔️ Immediate debit | ❌ Delayed

No withdrawal included

3 free withdrawals

No withdrawal included

3 free withdrawals per month up to € 250

❌ No insurance coverage

❌ No insurance coverage

Updated data in August 2022 as part of Selectra’s 2022 prize list

Lydia and its classic offer or its Lydia Bleu offer are placed in 2nd position of mobile banks for students. If the name of the bank is mainly associated with instant transfers with friends or colleagues, it also knows how to offer an attractive current account formula without income conditions. His Lydia card is a free offer and Lydia blue a paid but accessible offer.

✨ The real plus of Lydia ? Her mobile application and its budget management. Thanks to features such as the Lydia prize pool without commission or instant transfers, the student can easily operate money transfers with his loved ones.

Lydia also has something to appeal to students with His cashback and the Lydia roulette, Two ways to save money !

Orange Bank, 3rd best mobile bank for students

Standard orange bank

0 €/month

Orange Bank Premium Card

From € 7.99/month

Up to 100 € offered with the Premium card

Up to 100 € offered with the Premium card

Standard mastercard

Premium mastercard card

✔️ Immediate debit | ❌ Delayed

✔️ Immediate debit | ✔️ Delayed flow

✔️ No income condition

✔️ No income condition

✔️ Classic insurance cover

✔️ Premium insurance cover

✔️
Subject to acceptance by the bank

✔️
Subject to acceptance by the bank

✔️ Free and unlimited

✔️ Free and unlimited

✔️ Free and unlimited

✔️ Free and unlimited

Updated data in August 2022 as part of Selectra’s 2022 prize list

In 3ᵉ position of Best neobancs for students, Orange Bank’s free offer has a means of payment insurance and a complete and secure mobile application.

Orange Bank aligns for its competitors by offering the free payments and withdrawals in the euro zone. What Study and travel to Europe at low cost ! The neobank made in France also incorporates features appreciated by students : mobile payment, SMS transfers, modification of the card code, etc.

✨ The little more of orange bank ? The student can have a Authorized discovered and a French RIB, unheard of in mobile banks.

Alternatives to the young booklet if the young booklet is a unavoidable savings, mobile banks offer new ways to put money aside with the sub-accounts and rounded the euro. More concrete and adapted to more modest students of students, The solutions developed by neobanques give a seriousness youngness to savings.

�� The best bank accounts for 18 – 25 year olds in traditional banking

Bred, best traditional bank for students and 3rd all banks combined

Data collected as part of the Palmares September 2022

• Wide choice of bank cards, including the first visa at € 6.50/month
• Exononing costs abroad with the Bredplanet+ option (€ 5/month)
• Discovered authorized without agios up to € 400/month
• Attractive student credit offers
• Travel insurance included
• Innovative services: account aggregator, digital safe

• Uncompetitive card price
• No free card available
• Important foreign costs without the Bredplanet option+
• High overdraft

Data collected as part of the Palmares September 2022

BRED, the online bank of the Populaire Banque, is placed in 3rd position of best traditional student banks. Its young offer A account and a bank card from € 3.50 per month. With Bred, no account holding fees and up to € 400 allowed without agios, practice to meet exceptional expenses !

The young offer allows students to Traveling at a lower cost with the Bredplanet option+ : for only 5 €/month, students will be Exhoned bank charges abroad.

Choosing the right student loan in 2022 how Contract a student loan ? What are the rates applied ? Is it necessary bail ? Whether for Finance your school, furnish your apartment or buy a car To get to university, discover our guide dedicated to student loan.

�� Open a Student Bank account without income: free bank cards

To find a Free card offer without income condition, The student will have to turn to an online bank or a neobank:

From 0 €/month

✔️ A free card without income conditions
✔️ Visa Classic insurance abroad
✔️ No cost on payments abroad
✔️ 1 free currency withdrawal per month
✔️ Discovered authorized after 3 months

From 0 €/month

✔️ Free debit card without income conditions
✔️ Mastercard Standard insurance cover
✔️ No fees on withdrawals and payments abroad
✔️ Free ephemeral e-card
✔️ Discovered authorized after 6 months

Learn more

From 0 €/month

✔️ Free card without income conditions
✔️ No costs on exchange operations in more than 30 currencies
✔️ No fees on withdrawals and payments abroad
✔️ Unlimited free ephemeral virtual cards
✔️ Budget management thanks to Revolut Pockets

From 0 €/month

✔️ 3 free withdrawals abroad with Lydia Bleu
✔️ Simplified budget management on a daily basis: instant transfers, Lydia kitty
✔️ 100% of transfers are instantaneous to facilitate reimbursements with friends
✔️ Lydia roulette: refund of a transaction every hour
✔️ Access to the Trading + Cashback offer

Updated data in August 2022 as part of Selectra’s 2022 prize list

⚖️ Best student bank: how to choose your young bank ?

1. Choose your parents’ bank

At the time ofOpen your first bank account, Many students, especially between 16 and 20 years old, are first oriented towards their parents’ bank.

Choose your parents’ bank can be interesting: the establishment will be able to offer him preferential rates and an adapted offer.

However, parents’ bank is not always the cheapest solution, or the most suitable for the desires of the student.

2. Opt for a cheap student bank

Many banks today offer Free offers and reduced bank charges, A boon for the student wishing to save money ! Due to his modest income, the student will be on the lookout for attractive offers, welcome premiums as sponsorship programs.

For Find a cheap student bank, We will move towards online banks and neobancs, which offer Offers accessible to all budgets and practice significantly lower costs that traditional banks.

From Cheap student banks, We will quote Boursorama Banque, Fortuneo or Monabanq which offer Prices adapted to the ultra-tight budgets of students.

3. Favor personalized support

Sometimes the price is not everything: students wish to benefit from a personalized support and a confidence interlocutor.

Power meet an advisor to exchange Live, asking questions and receiving advice adapted to your situation is essential for many students.

Today, only traditional banks will be able to provide this service. If the price and mobile-friendly offers are necessarily part of the student’s needs, the relationship with an advisor is also a criterion of choice !

4. Select a mobile-friendly and innovative bank

Ultra-connected generation and 100% mobile, students pay increased attention to theBanking ! Accustomed to managing everything from their smartphone, they are looking for a Simple and fluid mobile experience and turn more and more towards neobancs.

If the design and ergonomics of the application do not determine the choice of a bank for students, they remain Criteria essential to their loyalty. Bad mobile experience and the student will not hesitate to go and see elsewhere !

5. Departure abroad and trip: which student bank to choose ?

During his studies, it is not uncommon to go abroad, Whether to travel, do an internship or do a semester in another country. Students are therefore particularly attentive to International banking costs.

To avoid excessive bank charges, especially outside the euro zone, students turn to the online banks and neobancs, that break the prices. There Best offer to go abroad: Fosfo de Fortuneo, a free card allowing you to pay and withdraw everywhere at no cost.

What a bank for a foreign student in France ? France attracts many foreign students: the arrival in France is often strewn with administrative procedures, including theOpening of a bank account in France. The most advantageous banks for foreign students are cheap online banks, such as Monabanq, Boursorama or Fortuneo. Neobanques are also to be considered, especially for their multilingual interface – A boon for students still poorly mastering French – and their reduced bank charges.

6. Opt for multibancarization

While free or low prices are multiplied, the multibancarization is increasingly frequent among students, Anxious not to put their eggs in the same basket.

Hold several accounts in several banks is often saving, especially by combining traditional, mobile and online banking banking. The student can then benefit from the personalized support of his traditional bank advisor, such as reduced costs of digital banks, especially for his trips.

Beware, however, to the Expenditure management : you will have to keep an eye on your various accounts to avoid any payment incident. This is why Boursorama or Revolut make available to their multibancarized customers a Free account aggregator.

Choosing the right young booklet and boosting your savings in 2022 how Contract a young booklet ? What are the rates applied ? What is going on after 25 years ? Discover our guide dedicated to the young booklet.

�� How to open a student bank account ?

The procedure ofOpening of a student account varies from one bank to another. Among online banks and neobancs, Everything is done online or on mobile : it is simple, fast and guaranteed 0 paperwork. Traditional bank side, a Agency meeting will often be preferable but more and more traditional banks are starting to offer a Complete or partial account opening online.

�� Student bank FAQ

�� What is the best bank for students ?

If each student will have specific needs, Balance Banque is one of the most advantageous banks for students, thanks to its two free cards Without income condition and its reduced bank charges. With Ultim or Welcome, the student will benefit from an authorized overdraft, travel coverage and minimal minimal costs. We also like her mobile app, Among the most sharp on the market.

�� What a account for an 18 -year -old ?

There are many banks that offer inexpensive offers adapted to the profile of an 18 -year -old: Boursorama Banque, Fortuneo, Revolut, Orange Bank. The advantage of online banks and neobancs ? Their banking applications are pleasant to use, and they regularly offer welcome offers.

�� What is the best bank for foreign students in France ?

Foreign students must choose from the banks for non -residents. The best banks for foreign students in France are Boursorama Banque, Revolut, N26 and Lydia.

The best banks for young people 16-25 year olds

The best bank for young people will be the one that best meets your needs and expenses ! Between the price, the choice of the card, the ceilings or the costs abroad, certain criteria can tip the scale when you have to choose a bank for young. Discover our comparison of the best banks for young people, to no longer have to doubt !

�� What bank to choose when you are young ?

Whether you are a student, with or unemployed, or young assets, the choice of the bank is crucial ! This is the moment when you start to make money and learn to manage it. Having a suitable bank is therefore very important to help manage your expenses.

But then, Which bank to choose when you are young ? Well it will depend on your profile and your expenses !

Students, with or unemployed

If you are a unemployed student, you have no fixed income, a fairly tight budget and therefore rather limited needs in terms of banking offer. For students with employment, you benefit from income, but often low and budget management must be controlled. In both cases, The number one criterion remains the price !

THE neobancs are the best option to open a young bank account. These are cheaper banks, with 100% digital and simplified management. These banks are deemed to have very few costs (no account holding fees, very low foreign costs..) and systematically offer free offers ! Little more, when you open an account, you are very often entitled to a welcome offer of up to € 180 !

• �� The needs of students in short:
• Free card
• No hidden fees
• Simplified account management (via application)

Young workers

The young asset has fixed income and is already more comfortable in the management of his budget. He usually has higher expenses than a student (rent, invoices and monthly subscriptions, travel..) and begins to master the management of your account. The price criterion remains important, but The young asset also seeks to save And therefore wishes a bank with additional banking products: savings account, booklet a..

The young asset can turn to an online bank as much as a traditional bank ! THE online banks have the advantage of having much cheaper offers that traditional banks, without skimping on the quality of the banking offer. Many online banks also offer savings and placement products that do not have to be ashamed of traditional banks.

• ��‍♀️ The needs of young workers in short:
• A free offer
• Simplified account management
• Premium services (assistance and insurance service)
• Attractive banking products: booklet A, PEL, Savings account

�� The best banks for young workers

The best choice of Bank for young assets is online bank. And in 2023, this is not what is missing. Indeed, online banks have invaded the banking landscape for more than 10 years now. With free offers, few costs abroad and diversified banking products, Online banks are the number 1 choice for an active young.

Learn more

• Welcome card: 0 €/month subject to 1 payment, otherwise 5 €/month
• Ultim card: 0 €/month subject to 1 payment, otherwise 9 €/month
• Metal card: € 9/month

• Full offer of banking products
• An offer dedicated to teens
• Among the most advantageous banking on the market
• Overdraft
• Costs abroad, payment and withdrawals, competitive
• Free and free income card offers without income conditions
• An innovative mobile application
• Promotional offers (sponsorship, welcome bonus)
• Quick account opening, 100% online
• Check
• Customer service reachable by phone

• Fosfo card: 0 €/month
• Gold CB Mastercard card: 0 €/month under conditions
• World Elite CB MasterCard card: 0 €/month under conditions

• A fairly wide range of banking products
• An attractive scholarship offer
• A children’s savings book: Booklet + Children
• Free and unlimited ephemeral virtual cards
• Cashback with Mastercard Travel Rewards
• Free insurance and assistance guarantees free of charge to SEPA transfers
• Quick account opening, 100% online
• Functional mobile application
• Check

• Classic visa card: between € 2 and 11 €/month
• Premier visa card: between 5 € and 12 €/month
• Visa Platinum card: between 11 € and 18 €/month

• Bank offers without income conditions
• Wide range of banking products
• Available mortgage
• Possibility of depositing checks in CIC agency or postal shipping
• Very responsive and efficient customer service
• No fees in case of card inactivity

Learn more

• Hello Prime: 0 €/month
• Hello One: € 5/month

• Attractive rates, most daily services are free
• Overdraft
• Very varied product range
• Mobile application with HELLO BANK positive reviews
• National BNP Paribas agency network
• A checkbook
• Customer service reachable by phone 6d/7

�� The best banks for unemployed young people

Best banks for young people (with or unemployed), having a rather student profile, are the neobancs ! These banks offer a clear and simple banking offer: a current account, a bank card and a mobile application. Everything is done online, from account management in customer contact. They also have the advantage of having a very inexpensive offer. Let’s see together four neobancs with an ideal offer for a young student.

• Standard N26 card: 0 €/month
• N26 Smart card: € 4.90/month
• N26 You: € 9.90/month card
• N26 Metal card: € 16.90/month

• Bank account offers without income condition
• A free bank card offer (standard N26)
• An intuitive and functional mobile application
• Reduced costs, or even free on current operations on the 4 N26 account offers
• Attractive prices on the use of the N26 card abroad: 0 € on all withdrawal costs/payments abroad on N26 You and N26 Metal offers
• Securing bank deposits (N26 has a European banking license)

Google Play: ⭐ 3.8/5/Apple Store: ⭐ 4.8/5

• Standard revolut card: 0 €/month
• Reverse card Plus: € 2.99/month
• Premium revolut card: € 7.99/month
• Metal revolut card: € 13.99/month

• Unlimited ephemeral virtual cards
• Pocket
• Cashback
• Protection of tickets
• Junior Revolut accounts
• Customer service reachable 24 hours a day, 7 days a week
• Interbank exchange rate

Google Play: ⭐ 4.5/5/Apple Store: ⭐ 4.8/5

• Standard card: 0 €/month
• Premium card: € 7.99/month
• Premium pack: € 7.99/month

• An offer dedicated to families
• Among the most advantageous banking on the market
• Overdraft
• Costs abroad, payment and withdrawals, competitive
• A free bank card offer
• An innovative mobile application
• Promotional offers (welcome bonus)
• Cashback
• Quick account opening, 100% online
• Customer service reachable 24h/7

Google Play: ⭐ 3.7/5/Apple Store: ⭐ 4.6/5

• Nickel card: € 1.95/month
• My Nickel card: € 1.95/month
• Chrome nickel card: € 4.20/month
• Nickel Metal card: € 8.30/month

• Nickel account opening in 5 minutes
• Prohibited banking accepted;
• Nickel minor account from 12 years old;
• No income condition;
• Accessible to more than 190 nationalities;
• Over 7,000 nickel points.

Google Play: ⭐ 4.1/5/Apple Store: ⭐ 3.9/5

�� The best inexpensive bank for young

Regardless of your profile, the price criterion remains decisive when choosing a bank for young ! And that, the banks understood this. This is why the banks addressing young people systematically offer free offers, that is to say a free card and little, or even, no costs !

In 2023, The cheapest bank for young people is Boursorama Banque ! She was elected the cheapest bank for the 15th consecutive year. It offers two free card offers (provided for use per month). Payments and withdrawals in the euro zone are free, as are payments abroad. It does not impose any commission costs in the event of an overrun of the overdraft. It also offers a welcome offer in the amount of € 100 when opening a current account !

Boursorama in short ✔️ no account holding fees
✔️ 2 free bank card offers
✔️ Payments and withdrawals in Euro and free currencies
✔️ Sponsorship offer and attractive welcome offer

Auto insurance expert, Anna wants to dust off the subjects linked to this specific and sometimes complex market ! The goal of his articles ? Help consumers understand this market. But also carry out detailed comparative studies to give their wallet a boost !

�� The offers of the moment ��

up to 120 € offered

€ 100 offered with the BRS100 code

€ 230 offered with the FTN0923 code

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