Nowadays, online banks are becoming increasingly popular. Their objective? To allow a large public to open a bank account in just a few clicks, and then to benefit from a range of services that simplify your daily transactions. Fortuneo, part of the Crédit Mutuel Arkéa group, has already attracted many customers. Among them are travelers, attracted by the competitive prices, digital services and other insurance and assistance guarantees. Here's why you should open an account with an online bank if you're a true globetrotter.
Article sponsored by Fortuneo
Online banking: easy account opening, great user experience
People who are consideringopening a bank account with an online bank should know that Fortuneo is the only organization that offers all its cards for free (under conditions) (1). With its Fosfo Mastercard, Gold CB Mastercard and World Elite CB Mastercard, the bank targets both millennials and people with higher incomes.
Opening an account is simple, free, and even largely facilitated by the neoChange service. Do you want to close your old account quickly to benefit from Fortuneo's advantages for your future travels? This service helps you to change your bank, free of charge! Go to the Fortuneo customer area, fill in the bank details of the account to be closed, and sign the electronic authorization so that the online bank can take care of transferring your money to your new account. Fortuneo even takes care of sending the new RIB to the organizations with which customers have current transactions (salary, gas, electricity, internet, etc.).
Fortuneo also focuses on the customer experience. The website and mobile application, which are particularly fluid and intuitive, make it easy to consult transaction history, make instant transfers to your friends to share costs, view your accounts at different banks, and make online chats by generating a virtual card number. Note that this last advantage offers the same insurance and assistance guarantees as with a CB.
Facilitate your travels thanks to the subscription to an online bank
Fortuneo offers bank cards with multiple advantages for your travels. With the Fosfo Mastercard, payments and withdrawals from abroad are free of charge, anywhere in the world (2). You can use contactless payment and debits are immediate. The card benefits from the civil liability guarantees and other insurance and assistance guarantees that are standard with a Mastercard CB (3). For example, the card covers €450 in emergency expenses in the event of a plane delay of more than 4 hours, or reimbursement of up to €850 per event following the loss/theft/damage of luggage when the public carrier is responsible.
The Gold CB Mastercard (available to people with a net monthly salary of at least €1,800) and World Elite CB Mastercard (available to people with a net monthly salary of at least €4,000) offer the above-mentioned advantages, plus the possibility of deferring payments and raising the limits for withdrawals and payments (4). Not to mention the enhanced travel guarantees. For example, after deducting the indemnities paid by any health insurance organization, a reimbursement of up to €2,300 per insured for medical expenses. Or even a reimbursement of up to €10,000 per calendar year for non-recoverable expenses in case of cancellation or interruption of a trip.
Finally, it should be noted that although Fortuneo offers you dematerialized management of your bank account, professional advisors based in France remain at your disposal. It is possible to contact them from abroad by phone in case of problems.
(1) Provision of a debit card (international payment card with immediate debit: Fosfo Mastercard, Gold CB Mastercard or with deferred debit: Gold CB Mastercard, Word Elite CB Mastercard). The delivery of the card is subject to the acceptance of the application by Fortuneo and subject to meeting the conditions of granting in force. The card is free of charge, provided that the conditions of use specified in the current tariff conditions are met. In the absence of one card payment transaction (excluding ATM or ATM withdrawal) per month (for CB Mastercard, FOSFO Mastercard and Gold CB Mastercard) or failure to comply with the monthly flow condition (for CB World Elite Mastercard), fees will be applied (see Tariffs). Fortuneo reserves the right to modify the tariff conditions applicable to the card. The change of range/debit card is subject to the conditions set out in the tariff conditions in force.
(2) Excluding any fees charged by the bank owning the ATM.
(3) Within the limits and conditions set out in the notice.
(4) Subject to the agreement of Fortuneo.
