What is the cheapest bank in 2023? Free comparison!, Classification of cheapest banks in 2023

Classification of cheapest banks in 2023

Contents

Advice n ° 3: Check management fees and any additional costs.

What is the cheapest bank in 2023 ?

In 2023, the banking offer is still so abundant and diversified: free management costs, personalized banking services, students for students or civil servants, etc. The possibilities are multiple and the rates too ! What is the cost of your current bank ? Are your bank’s services adapted to your needs ? How to find the cheapest bank ? Find our ranking and our advice to save money !

Type of bank card
Bank available abroad

What is the cheapest physical bank ? Our comparison !

It is not always easy to find the cheapest bank adapted to your needs. Today there are a very large number of offers for all kinds of profiles: banks for civil servants or without income, students, etc.

Knowing that it is relatively easy to change bank, Why not opt ​​for a “inexpensive” bank ? Indeed, it is now enough to go to an agency to open a bank account and the bank takes care of everything – or almost: creation of current account, delivery of your bank card, new RIB and transfer of your automatic samples.

Although online banks hold the top of the ranking, banks with agency retaliate to rank among the cheapest banks.

Here is our classification of the cheapest traditional banks:

�� Account holding costs: € 14/year
�� Contribution card with systematic authorization: € 18.50/year
↔️ Interbank transfer costs*: € 4.06/Transfer
�� Retching fees Zone €: free at agricultural credit or € 1/withdrawal in another bank
�� Withdrawal costs excluding zone €: € 5.50/withdrawal
�� Payment abroad: 2.65 % of the amount
�� Account holding costs: € 16.80/year
�� Contracting card with systematic authorization: € 30.50/year
↔️ Interbank transfer costs*: € 4/transfer
�� Retching fees Zone €: Free at La Banque Postale or 0.85 €/withdrawal in another bank (from the 4th withdrawal)
�� Withdrawal costs excluding zone €:
In euros: € 0.85/withdrawal (from 4th)
Excluding euros: € 3.30 + 2.30%
�� Payment abroad: 2.30%, capped at € 6
�� Accounting costs: € 24/year
�� Contracting card with systematic authorization: € 31.50/year
↔️ Interbank transfer costs*: € 3.35/transfer
�� Retching fees Zone €: Free at Mutuel Credit or € 1/withdrawal in another bank
�� Withdrawal costs excluding zone €: € 3.12 + 2% of the amount
�� Payment abroad: € 0.31 + 2% of the amount
�� Account holding costs: € 27/year
�� Contracting card with systematic authorization: 35 €/year
↔️ Interbank transfer costs*: € 8/transfer
�� Retching fees Zone €: Free at Société Générale or € 3/withdrawal in another bank
�� Withdrawal costs excluding zone €: € 3 + 2.70 % of the amount
�� Payment abroad:
Card payment ≤ 10 €: 2.70 %
Payment per card> € 10: € 1 + 2.70 %
�� Account holding costs: € 16.80/year
�� Contracting card with systematic authorization: € 30.50/year
↔️ Interbank transfer costs*: € 4/transfer
�� Retching fees Zone €: Free at La Banque Postale or 0.85 €/withdrawal in another bank (from the 4th withdrawal)
�� Withdrawal costs excluding zone €:
In euros: € 0.85/withdrawal (from 4th)
Excluding euros: € 3.30 + 2.30%
�� Payment abroad: 2.30%, capped at € 6

*in agency

In order to quickly find your bank, We offer a comparison tool to help you find the cheapest traditional bank. It gives you access to around thirty results without moving from your home ! It’s free and 100 % online !

What is the cheapest online bank ? Banks comparison

The arrival in the banking sector of online banks, changes the game and it would be a shame to deprive yourself of it ! Indeed, opening a bank account with an “cheap” online bank is relatively easy.

An online bank is more flexible on income conditions, as well as the initial deposit when opening a current account. In addition, many of them are free or offer you attractive price formulas with personalized banking services according to your needs, such as a traditional bank.

In order to help you find the cheapest online bank, here is a comparison of banking costs for online banks:

�� Accounting costs: free
�� Contribution card with systematic authorization: free, subject to the use of the card, or € 9 per month in the absence of at least one payment operation by bank card noted in the month (Ultim card)
↔️ Interbank transfer costs: free
�� Removal fees Zone €: Free
�� Withdrawal costs excluding zone €: 3 free withdrawals per month, 1.69% then
�� Payment abroad: free
�� Accounting costs: free
�� Contribution card with systematic authorization: free
↔️ Interbank transfer costs: free or € 5/transfer if made by an online advisor
�� Removal fees Zone €: Free
�� Withdrawal costs excluding zone €: free (excluding costs possibly applied by the establishment owner of the automatic ticket distributor)
�� Payment abroad: free
�� Accounting costs: free
�� Contribution card with systematic authorization: 36 €/year (Hello One)
↔️ Interbank transfer costs: free or € 5/transfer if made by an online advisor
�� Retching costs Zone €: Free in a BNP group DAB, € 1/withdrawal in another bank
�� Withdrawal costs excluding zone €: free in a DAB of the BNP group, otherwise 1.5% of the amount of withdrawal
�� Payment abroad: free
�� account holding costs: € 36/year
�� Contribution card with systematic authorization: free
↔️ Interbank transfer costs: free
�� Removal fees Zone €: Free
�� Withdrawal costs excluding zone €: 3 free withdrawals/year then 2 % of the amount
�� Payment abroad:
In euros: free
Excluding euros: 2 %

Bank costs: what a bank is the cheapest ?

If you are looking for the cheapest bank, you should not only compare the bank card rates, but also Current account management fees. If you are currently without income, student or simply concerned about your budget, it is wise to choose a bank offering the lowest costs. Although traditional banks also offer remote banking services, it is best to turn to online banks to find the cheapest bank in costs ! The latter offer very competitive rates since most bank charges are free !

Here are some examples to help you find the cheapest bank in management fees:

Boursorama:

Initial ��Depôt: € 100 and 500

�� Welcome offer: € 80 offered

�� Characteristics: Boursorama offers a free account formula and without income condition, but subject to making at least one payment per month with the bank card

  • Account holding fees: free
  • Contribution card with systematic authorization: free, subject to the use of the card, or € 9 per month in the absence of at least one payment operation by bank card observed in the month (Ultim card)
  • Transfer fees to an account of another bank: free
  • Euro zone withdrawal costs: free
  • withdrawal costs excluding euro zone: 3 free withdrawals per month, 1.69% then
  • Payment abroad: free

Hello Bank! ::

�� Initial: 300 €

�� Welcome offer: € 80 offered

�� Characteristics: Hello bank! is a free online bank but while offering the possibility of going to physical agencies (BNP Paribas network).

  • Account holding fees: free
  • Contracting card with systematic authorization: 36 €/year (Hello One) card)
  • Transfer costs to an account of another bank: free or € 5/transfer if made by an online advisor
  • EURO RETHING COST: free in a BNP group DAB, € 1/withdrawal in another bank
  • Withdrawal costs excluding the euro zone: free in a DAB of the BNP group, otherwise 1.5% of the amount of withdrawal
  • Payment abroad: free

N26:

Initial ��Depôt: 0 €

�� Welcome offer: /

�� Characteristics: Easy account opening “in less than 8 minutes”, transactions data went up in real time and available directly to the application.

  • account holding costs: free (standard account)
  • Contribution card with systematic authorization: free for the virtual card, or € 10 for shipping costs
  • Transfer fees to an account of another bank: free
  • FROM EURO RETHING COST: 3 free DAB/GAB withdrawals per civilian month, € 2.00 per additional withdrawal
  • withdrawal costs excluding the euro zone: 1.7 % of the amounts withdrawn
  • Payment abroad: free

Find the cheapest bank according to your profile

What is the cheapest bank for young people ?

Preparing for the future of her child, a minor as a student, is not always easy. Indeed, taking flight also often goes through the opening of a bank account for your child. The goal is therefore to help him acquire his financial independence safely and at a lower cost.

To help you find the cheapest bank for your child, we explain everything you need to know.

Most banks offer to open a minor bank account. These are generally specific offers adapted to adolescents at low prices, our comparison of banks for young people:

The cheapest bank for students

Regarding students, their main concern about their bank is its price ! What is the cheapest bank for students ? Here is our “cheap” bank comparison for students.

  • Monabanq : Check account offer for young people without income conditions, account management and free current operations, free bank card, free withdrawals and payments in the euro zone.
    Welcome bonus: up to + 120 €
  • Purse : Without income conditions and lack of initial deposit with the Welcome offer, no management fees, Free Visa Classic card, free payments and withdrawals in the euro zone.
    Welcome bonus: + 80 €
  • Bank Axa : No management fees, free bank card under conditions, free withdrawals in the euro zone.
    Welcome bonus: + 40 €
  • Hello Bank! : No management fees, simplified account opening, free visa card without income obligation (on presentation of the student card), initial deposit between 10 and 300 € on the account.
    Welcome bonus: depending on the initial deposit amount
  • BNP Paribas : Visa and free services card with the MA bank offer for 3 years, free withdrawals in 50 countries, possibility to take out a Garanth housing deposit.
    Welcome bonus: 0 €

What is the cheapest bank for your professional activity ?

To find the cheapest bank that suits your status (Auto-entrepreneur, company, association) Here are some tips:

  1. Compare banks to offer : It is important to make a comparison of the different offers in order to find the cheapest pro bank and which will best meet your needs. Check the prices of the various banking products, such as current accounts, bank cards, loans, credit lines or insurance.
  1. Analyze bank costs : to find the cheapest bank for your bank charges, check the account management costs, transfers, overdraft costs and levy release fees.
  1. Favor online banks : online banks often offer more attractive prices than traditional banks, as they have lower operating costs. In addition, online banks often offer practical services for professionals, such as online account management tools and mobile applications.

By following these tips, you should be able to find the cheapest bank that meets your needs, whether you are a professional, a self-entrepreneur, a business or an association.

How to find the cheapest bank for its mortgage ?

To find the bank offering the cheapest mortgage, here are some tips:

  • Compare interest rates : interest rates can vary considerably from one bank to another, so it is important to compare them. Use online comparators to help you identify the cheapest banks on the mortgage rate.
  • Check the borrowing conditions : Before signing, make sure you understand the borrowing conditions offered by the bank, such as Folder fees, early repayment penalties, or conditions related to borrower insurance. This will allow you to have an overview of the bank charges related to the loan. It is notably thanks to this lever that you will find the cheapest bank for your loan.
  • Negotiate with the bank : do not hesitate to negotiate with your bank to obtain a better rate, or more advantageous conditions. If you have a good relationship with your current bank, this can be a good starting point to obtain an advantageous mortgage. And if you want to change the bank, very often a request for a mortgage loan is a good means of negotiation.

Physical bank or online bank: our advice to find the cheapest

Here are our tips to help you find the bank offering the best value for money:

Advice n ° 1: Start by defining your needs and your budget.

It may seem obvious, but it is important to be exhaustive in your reflection:

  • your professional situation ?
  • the banking services you need ?
  • The types of cards you want ?
  • Physical or dematerialized management of your account ?

Once you have clearly defined your criteria, you can start looking for a bank suitable for your profile.

Advice n ° 2: Make a comparison of banks to find the cheapest

Compare the banks, or call a bank broker, to benefit from an overview and choose the cheapest bank, which best suits your needs. We also offer a free and objective comparator to help you in your search.

Reasure me illustration

The best banking offer according to your needs and budget

Advice n ° 3: Check management fees and any additional costs.

Although the prices are generally displayed by the bank, it is important to read the general conditions before committing. Certain additional costs may be invoiced in the event of payment or subscription incidents of additional options and insurance. For example, if you plan to have an authorized overdraft, check the conditions and risks in the event of exceeding.

Advice n ° 4: find out about the services offered by your bank.

If you opt for an online bank, know that you will not have a dedicated advisor, but only access to an online space via the website.

How to find the cheapest bank ?

To find the cheapest bank, You have to define your needs, budget and compare offers thanks to a free online comparator, by taking into account the management fees and the services offered.

What are the banks that take the least bank charges ?

Online banks like Boursorama, ING Direct and Fortuneo are known to be the cheapest banks in bank charges.

Are online banks cheaper than traditional banks ?

Online banks are often cheaper than traditional banks, But it is important to verify the services offered and take into account your needs before making a choice.

Should we systematically choose the cheapest bank ?

It is important not only to focus on the cost But also to consider other factors such as the quality of customer service, the proximity of agencies, the availability of specific services, etc. Before choosing a bank.

Classification of cheapest banks in 2023

Online bank, physical bank or even bank for professionals, difficult to see clearly when it comes to finding the cheapest bank. Jechange offers you its complete comparison of the cheapest banks in 2023.

  • 0 € ! Online banks offer free and free bank card card.
  • account holding costs;
  • overdraft fees;
  • transfer fees ;
  • cash withdrawal fees.

Classification of cheapest banks in 2023

What is the cheapest bank in 2023 ? Our Jechange experts compared the cheapest banks on the market To draw up a summary table. Find it cheapest online, physical and professionals for professionals.

  • Free card without income condition
  • Unlimited unlimited withdrawals

SOCIETE-GENERAL LOGO

  • Personalized service in agency
  • Decreased prices for the youngest

Learn more

  • B-CORP label and 1% for the planet
  • Advisers available 7 days a week
  • Quote and invoices editing tool

Fortuneo, the cheapest bank .

A subsidiary of Crédit Mutuel, Fortuneo is the cheapest online bank on the market.

With its Fosfo offer, Fortuneo offers the advantages of an international mastercard card with systematic authorization, without income condition.

The Fosfo offer offers, unlike its competitors, a free and unlimited currency withdrawal as well as free instant transfers which makes it cheapest online bank of the market.

General Society, the cheapest physical bank

Pillar of the banking sector, Société Générale is positioned as one of the cheapest traditional banks on the market.

Without income condition, you can benefit from € 80 offered for the opening of your first bank account.

Blank, the bank for the cheapest pro

With its 3 offers, Blank stands out for its attractive prices cheaper than competition and just as complete.

Without income condition, you can benefit from € 80 offered for the opening of your first bank account.

In addition to offering a reliable and secure service thanks to the expertise of Crédit Agricole, Blank offers an offer from only € 6 per month including a Visa Business card with systematic authorization and Device and Invoices publishing tool.

The cheapest online bank

Online banks generally offer all free bank cards without account holding costs. The difference in terms of price will be played on the conditions of free card, the retirement in currency and the costs in the event of an overdraft. There cheapest online bank is also the one who presents the most generous welcome offer !

We have gathered for you the cheapest online banks on the market, comparing the price of their card and the retirement costs in currency.

✔️ Fosfo: free without income condition, subject to payment per month, otherwise € 3 per month.

➡️ Current costs:

✍️ Account holding costs: ✔️ Free

�� Inactivity costs: 30 € per year

➡️ Travel costs abroad:

�� Withdrawal in euro zone: ✔️ at no cost and unlimited

�� Withdrawal outside the euro zone: ✔️ at no cost and unlimited

✈️ International payments: ✔️ at no cost and unlimited

➡️ Fresh on transfers:

�� Instant transfer: ✔️ Free

�� SEPA transfer: ✔️ Free

�� International transfer: 0.1% min. 23 € + exchange costs: 0.1% of the amount min. 15 €

Boursorama logo

Learn more

✔️ Welcome: free without income condition
✔️ Ultim: free subject to a payment per month, € 9 otherwise.

➡️ Current costs:

✍️ Account holding costs: ✔️ Free

�� Inactivity costs: € 5 per month (€ 9 for Ultim) if no CB use in 1 month

➡️ Travel costs abroad:

�� Withdrawal in euro zone: ✔️ Free

�� Withdrawal outside the euro zone: 1 free withdrawal per month (3 for the Ultim card) 1.69% beyond

✈️ International payments: ✔️ at no cost and unlimited

➡️ Fresh on transfers:

�� Instant transfer: ✔️ Free

�� SEPA transfer: ✔️ Free

�� International transfer: € 20 in motto, free in euros

Hello Bank logo

Learn more

✔️ hello one: free subject to payment or withdrawal per month, otherwise € 3 per month

➡️ Current costs:

✍️ Account holding costs: ✔️ Free

�� Inactivity costs: 30 € per year

➡️ Travel costs abroad:

�� Withdrawal in euro zone: ✔️ Free in a distributor of the BNP Paribas network, otherwise € 1

�� Withdrawal outside the euro zone: Free in a distributor of the BNP Paribas network, otherwise 1.5%

✈️ International payments: ✔️ at no cost and unlimited

➡️ Fresh on transfers:

�� Instant transfer: ✔️ Free between Hello Bank accounts

�� SEPA transfer: ✔️ Free

�� International transfer: ✔️ Free

✔️ Standard card: free
✔️ Premium card: € 7.99/month

➡️ Current costs:

✍️ Account holding costs: ✔️ Free

�� Inactivity costs: ✔️ Free

➡️ Travel costs abroad:

�� Withdrawal in euro zone: Up to € 200 per month and 5 withdrawals per month free of charge, 2% of the amount withdrew beyond

�� Withdrawal outside the euro zone: Up to € 200 per month and 5 withdrawals per month free of charge, 2% of the amount withdrew beyond

✈️ International payments: ✔️ at no cost and unlimited

➡️ Fresh on transfers:

�� Instant transfer:

�� SEPA transfer: ✔️ Free

�� International transfer: Between 0.3% and 2% depending on the country

What is the cheapest traditional bank ?

You are not comfortable with digital tools, or you prefer to have your own advisor ? Opt for the The least Chèere traditional bank. Despite higher costs, traditional banks allow personalized advice in trusted establishments everywhere in France.

To compare them cheapest traditional banks, We compared the prices of their Visa Classic card as well as the account holding costs. We have deliberately chosen not to compare their grouped card offers to other insurance products.

If you want to compare more banking offers, consult the Jechange 2023 ranking of the best banks in France.

SOCIETE-GENERAL LOGO

✔️ Classic visa: € 45/year

➡️ Current costs:

✍️ Account holding costs: ✔️ € 6.75 per quarter

➡️ Travel costs abroad:

�� Withdrawal in euro zone: ✔️ 3 free withdrawals per month excluding DAB SG, € 1 per withdrawal beyond

�� 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 €

Learn more

✔️ Visa Classic card: € 46/year

➡️ Current costs:

✍️ Account holding costs: ✔️ 2.5 € per month

➡️ Travel costs abroad:

�� Withdrawal in euro zone: ✔️ 6 free withdrawals per month, € 1 per withdrawal beyond

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

✈️ International payments: 2.90 % + 0.90 €

➡️ Fresh on transfers:

�� Instant transfer: € 1/transfer

�� SEPA transfer: ✔️ Free

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

✔️ Classic visa: € 45/year

➡️ Current costs:

✍️ Account holding costs: ✔️ € 7 per quarter

➡️ Travel costs abroad:

�� Withdrawal in euro zone: € 1/withdrawal from the 5th withdrawal per month, excluding DAB HSBC

�� Withdrawal outside the euro zone: € 3.05/withdrawal + 2.90% excluding DAB HSBC

✈️ International payments: 2.90%, ceiling of € 2,500/30 days

➡️ Fresh on transfers:

�� Instant transfer:

�� SEPA transfer: ✔️ Free

�� International transfer: € 12.50/Transfer

Good to know
Traditional banks all offer a group offer of products (Sobrio for Société Générale or even free spirit at the BNP). These offers, advantageous for young people, include account holding costs and insurance services. However, it remains cheaper, for the older ones, to subscribe to a Visa Classic card and to pay the accounts of account holding

How to find the cheapest bank ?

Choose the cheapest bank according to your profile

There cheapest bank is first of all the bank that best adapts to your profile and your needs.

A student will have to pay special attention to the withdrawal costs abroad with a view to their international trips or exchanges. He will favor Free online banks, easy to use and whose management is fully on mobile.

Assets anxious to have a physical agency advisor will prefer traditional banks.

An entrepreneur will be oriented towards cheapest professional banks, proposing the options most suited to his business as a tool for quotes and invoicing.

Choose the bank with the least expenses

To find the cheapest bank, it is important to compare the amount of the following banking costs:

  • Payment means: The bank card is sometimes paid or requires a number of monthly transactions to be free.
  • Accounting costs: registered under the bank’s pricing conditions, account holding costs are free for online banks.
  • Currency withdrawal fees: withdrawals from foreign currencies are often accompanied by costs from banks.
  • Withdrawal ceiling: some banks supervise withdrawals to DAB by limiting them to a certain number or a certain amount.
  • Overview: What is the increase rate for overdraft overdraft ?

Traditional banks offer bank card offers with insurance products, also including account holding costs. These offers are generally to be paid in the form of a monthly contribution and are cheaper for young people.

The cheapest professional bank account

You are independent (auto-entrepreneur, micro-entrepreneur) or at the head of a company ? You are probably looking for the cheapest professional bank. Our experts compared the cheapest market banks on the market and it is not surprisingly online banks that offer the cheapest prices on the market.

The advantage of professional online banks is to offer a set of basic services with simple administrative management tools. All, available directly on a mobile application.

Learn more

  • Creation of quotes and invoices
  • SCAN of supporting documents and costs
  • Declaration, Precalculculus and Automated Payment of the URSSAF (Micro-enterprise)

Learn more

  • B-CORP label and 1% for the planet
  • Advisers available 7 days a week
  • Quote and invoices editing tool

Boursorama logo

Learn more

  • Customer support 7 days a week, 24 hours a day
  • 1 x One MasterCard card, payments up to € 20,000 /month

Good to know
Self -entrepreneurs must have a professional bank account only if they exceed € 10,000 in annual turnover for 2 consecutive years.

��‍♀️ All about the cheapest banks:

�� What are the banks without bank charges ?

Banks without bank charges are online banks, which do not take account of account holding. The best banks online at no cost are fortuneo, Boursorama, Hello Bank and Revolut.

�� What is the cheapest bank for young people ?

There cheapest bank For young people is fortuneo bank. Indeed, Fortuneo does not levy any account holding costs and offers unlimited withdrawals and free of charge abroad. Ideal for traveling or preparing an international exchange.

⚖️ Hello bank! or Boursorama: what is the cheapest ?

You want to know who Boursorama or Hello Bank! is the most advantageous bank. Consult now, our comparison between Hello Bank! and Boursorama.

�� The offers of the moment ��

Monabanq

up to 120 € offered

Balance Bank

€ 100 offered with the BRS100 code

Fortuneo logo

€ 230 offered with the FTN0923 code

An advisor to your service

From Monday to Friday from 7 a.m. to 9 p.m., Saturday 8:30 a.m. to 6.30 p.m. and Sunday from 9 a.m. to 5 p.m.

What is the cheapest bank in 2023 ?

Cheapest bank

With the multiplication of free banking offers, making the right choice requires peeling the pricing conditions in fine comb. To accompany you in the choice of your new bank, we offer you a classification of the cheapest banks in 2023. Find out which bank has the lowest bank charges, which free card is the most advantageous, which has the best prices abroad, etc.

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.

Revolut, take advantage of the 3 months of premium subscription offered for any new registration !

⚙️ How it works ?

  • Free registration
  • 3 months offered Premium subscription !

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

Cheap physical banks

Although when it comes to Cheap banks, Online banks hold the top of the pavement, traditional banks are not to be outdone. In response to ever stronger competition from digital banks, physical banks introduce cheaper offers. Overview of cheapest offers physical banks.

✔️ 80 € offered + Sobrio 1 €/month for 12 months for a Visa or Visa Premier card
from € 3.00/month (Sobrio)

✔️ 80 € offered + 1 year of free free spirit and its essentials.
from € 6.46/month

Welcome offer: ❌
from € 3.75/month

Initiative: € 2.76/month € 33.12 per year

International visa card with systematic authorization

International visa card with systematic authorization

International visa card with systematic authorization

✔️ Immediate debit | ❌ Delayed

✔️ Immediate debit | ❌ Delayed

✔️ Immediate debit | ✔️ Delayed flow

✔️ No income condition

✔️ No income condition

✔️ Subject to the bank’s acceptance

❌ No insurance coverage

❌ No insurance coverage

✔️ Classic insurance cover

✔️
Subject to acceptance by the bank

✔️
Subject to acceptance by the bank

✔️ € 1/withdrawal excluding DAB SOGE

1 free per month then € 1

up to 1 € + 2.70% of the purchase

Updated data in September 2023

The best cheap online banks

Boursorama Banque: the cheapest bank par excellence

Banking-the-Chief-Boursorama-Banque

Elected cheapest bank For the 12th consecutive year in 2019, Boursorama Banque offers a full range of offers to meet all needs, ranging from Welcome and Ultim offers, both Free and without income condition at theHigh -end and paid offer Ultim Metal.

Boursorama Banque bank cards

0 € without income conditions

  • �� 100 € offered
  • Free Use Condition or 5 €/month
  • Visa Classic card with systematic authorization
  • Immediate flow
  • ✈️ Payments in free currency and currency withdrawals: 1.69% per transaction (including 1 free per month)
  • Grant condition : 50 € outstanding
  • Withdrawal ceilings : 400 €/week
  • Payment ceilings : € 5,000/30 days

Quick online subscription
0 € accessible income conditions

  • �� 100 € offered
  • Free Use Condition or 9 €/month
  • Visa Classic card with systematic authorization to Immediate or delayed flow
  • Even insurance cover that a first visa ��
  • Grant condition : € 300 in outstanding immediate debit / € 1,500 in income or € 3,000 in delayed debit outstands
  • ✈️Paiements in free currencies and withdrawals in currency: 1.69% per transaction (including 3 free per month)
  • Withdrawal ceilings : € 2,000/week
  • Payment ceilings : € 20,000/month

Quick online subscription
€ 9.90 per month – with income conditions

  • Visa Classic card with systematic authorization
  • Immediate or delayed flow
  • Even insurance cover that a first visa ��
  • Grant condition : € 500 in outstanding immediate flow / € 2,500 in revenues or € 5,000 in delayed debit outlets
  • Payments and withdrawals :: Free ✈️
  • Withdrawal ceilings : € 3,000/week
  • Payment ceilings : € 50,000/30 days

Quick online subscription

Fortuneo Bank: all free, basic and high -end cards

Banking-the-Moving-Fortuneo-Banque

Fortuneo Bank Offers a range of offers ranging from the Fosfo card, free and without income condition for the Ultra High-De-Gamme Black World Elite Mastercard:

Fortuneo cards

0 € without income conditions

  • Free under conditions
  • �� 70 €
  • Standard mastercard card with immediate debit
  • Overdraft
  • Free and unlimited withdrawals
  • Withdrawal ceilings : € 500/week
  • Payment ceilings : € 2,000/week
  • Payment abroad: free ✈️

Quick online subscription
0 € under income conditions

  • Free under conditions
  • �� up to € 230 offered
  • Immediate or delayed Gold Mastercard card
  • Overdraft
  • Unlimited free withdrawals
  • Withdrawal ceilings : € 1,000/week
  • Payment ceilings : € 2,000/week
  • Payment abroad: free everywhere ✈️

Quick online subscription
0 € under income conditions

World Elite Mastercard

  • Free under conditions
  • ❌ No welcome offer
  • Black Card World Elite Mastercard in Immediate or delayed flow
  • Overdraft
  • Unlimited free withdrawals
  • Withdrawal ceilings : € 1,600/week
  • Payment ceilings : € 3,000/week
  • Payment abroad: free everywhere ✈️

Quick online subscription

  • 2020 : Cheapest bank on profiles “Young student”, “Employee”, “average executive”, “SUP”, “merchant” and “business manager” By capital and panorabanque.com
  • 2019 : The cheapest bank for the profile senior executive with a World Elite Mastercard By challenges and Bestbanque.com
  • 2018 : Cheapest bank for profiles “employee”, “traders” and “business manager”

Hello Bank! : a free classic visa without income condition

Since January 2020, Hello Bank! offers its customers the offers hello one and hello prime for the opening of an individual account.

Without income condition and without commitment, The hello one offer is the most accessible. The offers are free and without account holding. Like most free and income -free accounts, the bank card is a systematic authorization debit card with low payment and low and low -cost ceilings Without the possibility of overdraft.

The Hello Prime offer is paying (€ 5 /month) and subject to a income condition (€ 1,000 /month) but allows the holder to benefit from a Immediate or delayed visa card, of free payments and withdrawals in foreign currency as well as a overdraft facility.

Hello Bank offers! Including a Classic and Visa Premier visa are reserved for the opening of a joint account, a specificity specific to Hello Bank!. The advantage of Hello Bank! is its link with BNP Paribas: customers can withdraw money at no cost from BNP Paribas and its international subsidiaries.

What are the banks that take the least expenses ?

THE Bank charges vary depending on the banks and their offers and often come to salt the French note in terms of banking expenses. Banking costs consist of:

  • Daily costs : account holding, transfers, subscription to remote services, contribution of the bank card, etc.
  • Occasional costs : intervention commission, payments incidents, card blocking, etc.

Online banks most often offer lower bank fees that their consuers traditional banks, especially because a large number of services offered are free there.

Among the online banks practicing The lowest banking costs on the market, Fortuneo and Boursorama.

�� Want to save on your bank costs ? Consult our comparison of bank fees to find out more.

How to find a cheap bank ?

If online banks and mobile banks are renowned for their advantageous pricing, find the cheap bank that you need to identify your needs and expectations. Orient your choice according to your specific situation. For example, globetrotters will prefer a bank at no foreign cost While the most expenditure will avoid banks with high agios.

Choose a bank adapted to your needs and profile

Before you take the plunge and change bank, Take stock of your banking profile By identifying your needs, your expectations as well as any future projects:

  • Situation : employment, income, family situation, age, consumption habit, etc.
  • Needs : savings solutions, loan, authorized overdraft, joint account, etc.
  • Expectations : Mobile payment, free foreign costs, full insurance coverage, etc.

Once your expectations are clarified, it will be much easier to navigate between the various banking offers

and quickly identify those that suit you.

Want to change the bank ?

To refine your choice, consult the bank charges and the services offered carefully. To help you in your decision, do not hesitate to use one of our comparisons:

  • Best bank cards
  • Online banks comparison
  • Neobanque comparisons
  • Better bank simulator

The cheapest banks for students

Find a Cheap bank for students is not easy: tight budget, irregular income, departure abroad, student loan… even if the banks redouble their efforts to attract young students, find a Bank at low prices When you are a student can be difficult. Online banks and neobanques are a serious option due to their advantageous pricing policy and their prices abroad. From Best student banks, There are Boursorama, Monabanq and Fortuneo.

The cheapest banks for young people

To attract active youths, Banks offer ever more attractive prices and complete services. For Choosing the right bank when you are young, It is important to consider your habits (expenditure profile, large traveler, irregular income …) but also its desires for the future (real estate project, purchase of a car, etc.)). For a young wish pay cheaper, Online banks such as Boursorama or mobile banks like N26 or Orange Bank are all indicated.

�� You are between 18 and 25 years old and want to change the bank ? Do not hesitate to consult our best banks for young people.

The cheapest banks for pro and auto entrepreneurs

Pro and auto entrepreneurs must necessarily Open a pro bank account Whatever the type of company. With the arrival of online banks and more recently Mobile Banks Pro, You are spoiled for choice. To select the Good professional banking offer, Consult the pricing conditions and the services offered but also the possibility of having a dedicated advisable or the performance of mobile applications.

�� To know more, Discover our record of the best banks online for pros.

The cheapest bank: other banking products

The most advantageous consumption credits

THEConsumer credit is a loan allowing you to buy a property, to face an unexpected expenditure or to carry out a project such as work or thePurchase of a car.

Online banks do not all offer a personal loan offer.

  • Balance Bank offers a Fixed taeg of 0.95% from € 10,000 borrowed over a period of 12 to 48 months. If I borrow € 10,000 over 12 months, I will pay € 51 in interest, in total the loan will come back to € 838 /month.*

*Excluding optional insurance

If the cheapest practical banks of Personal loans at advantageous rates, These can be subject to conditions. For example, to ask for the Consumer credit At Boursorama Banque, you have to be a customer for at least 3 months. THE most interesting consumption credits are often those offered by Credit organizations.

�� To find out more, find our full article on the most interesting consumption credits.

The best real estate credit rates

Previously rare in online banks, the Real estate credit offers begin to become widespread. Online banks offer Rather low rate But no negotiable. Conversely, traditional banks are less transparent. They do not display their mortgage rate : each client can negotiate it with their advisor.

Beyond the taeg, There are other costs to take into account during the Subscription of a mortgage ::

  • THE file fees that can go up to 1% of the total amount loaned
  • THE warranty which ensures the Credit reimbursement. This may be a deposit, a mortgage or the privilege of lender of deniers. The costs vary depending on the warranty chosen.

If you have the project ofBuy a property, Find out about Real estate credit offers. The cheapest bank for a current account is not necessarily the most interesting for the subscription of a mortgage.

�� To find all the information on the mortgage, Consult our guide to choose the best mortgage.

The most interesting savings booklets

There is Two types of savings ::

  • THE savings booklets : accessible to everyone and easy to open as to close, the savings book can be regulated or not.
    • THE regulated savings booklets (Booklet A, LDDS, LEP. ) obey conditions governed by the State and are offered by most banks.
    • Conversely, the conditions of Non-regulated savings booklets are fixed by the banks themselves and will vary from one bank to another.

    �� To learn more about savings booklets, Find our ranking of the best savings booklets.

    �� To learn more about life insurance contracts, Consult our guide to choose the best life insurance.

    F.HAS.Q: Comparison of the cheapest banks

    �� What is a “cheap” bank ?

    A bank is said cheap when its annual subscription is low, If not free in the case of online banks and mobile banks.

    Banking practices in terms of Bank charges will also determine whether a bank is not expensive or not:

    • Distributor withdrawal;
    • Costs abroad;
    • Intervention commission and agios;
    • Opposition and/or sending costs of a new card, etc.

    �� What is the best inexpensive bank in 2023 ?

    For selectra experts, the best online banking of 2023 is undoubtedly Purse. Nicknamed “The cheapest bank”, online bank, a subsidiary of Société Générale, offers a complete offer to very attractive price. Alongside his three offers Account and card, Welcome, Ultim and Ultim Metal (higher -end) is available a whole Range of banking products (Consumer Credit, Loan Loan, Stock Exchange, Life Insurance, Savings Booklet …)).

    �� The little extra : generous and regular welcome offers.

    ➡️ How to change bank for a cheap bank ?

    Thanks to the Macron law on banking mobility, change bank is no longer an obstacle course. Go from one bank to another has become a simple and fast approach. For change bank easily, You just need toopening an account in the bank of your choice and to subscribe to theBank mobility option often free. Your new bank then takes care of all administrative procedures : it ensures the fence of your old bank account, transfers your regular transfers and samples and prevents debtor and creditors’ organizations.