Opening a joint account can be useful for managing day-to-day expenses in a couple or between roommates. Hello bank, Boursorama, Fortuneo and BforBank notably market joint account offers, with a free bank card for each co-holder.
Why turn to an online bank to open a joint account? Because they have many advantages, compared to the formulas offered by traditional institutions, particularly with regard to account maintenance fees. Four online banking institutions now offer their customers the benefit of a completely free joint account.
A 0 euro offer at Hello bank
hello bank declines its free Hello One individual offer in an attached version, called Hello One Duo. Accessible to everyone without any income, savings or deposit conditions, this joint account with two cards is free provided you make at least one payment or withdrawal every month (failing that, 3 euros are charged). The two Hello One cards included are immediate debit and systematic authorization. Card payments do not incur any fees, regardless of currency. Withdrawals from BNP Paribas ATMs and its subsidiaries are also free.
Hello One Duo by Hello bank
Two free formulas at Boursorama Banque and BforBank
BforBank offers two free joint account offers, via its formulas Visa Classic or Visa Premier, the latter being available in immediate or delayed debit. An income condition is however required by online banking: to access this Visa Classic formula, it is necessary to justify at least 2000 euros net per month for a joint account. For a Visa Premier, customers must this time justify at least 2400 euros of net income per month. Moreover, the free is also conditional for both offers: cardholders must make at least 3 payments per quarter, otherwise 6 euros are charged for a Visa Classic and 9 euros for a Visa Premier. It should be noted that holders of a BforBank joint account benefit free of charge from all current services: payments and withdrawals in the euro zone, SEPA transfers and direct debits, an overdraft, and also benefit from Visa Premier insurance and assistance guarantees. .
As to Boursorama Bank, all of its bank account offers are available as joint accounts. But only two formulas are free: Welcome and Ultimate. The Welcome offer includes a Visa card with systematic authorization, free of charge under fixed conditions of use, one payment per month; 5euros are charged in case of inactivity. Payments are free anywhere in the world, and the formula also includes one free withdrawal abroad per month (a fee of 1.69% of the amount of the withdrawal is applied beyond that). No income condition is required, nor domiciliation of income at Boursorama. Welcome does not require a minimum income, but Boursorama customers must have at least 50 euros in their account to access it.
With Ultim, its second free joint account formula, Boursorama tends its advantages. The free is always subject to the use of the card each month, otherwise 9euros are charged. These higher fees are justified by the range of the Ultim card, equivalent to a Visa Premier. In immediate debit, the card is accessible without income conditions for new customers. In deferred debit, on the other hand, at least 1500 euros of income is required. Regardless of the card debit, international payments are free of charge, and free withdrawals are limited to three per month (1.69% fee beyond). Holders of the Ultim card can also access insurance and assistance guarantees, with in particular coverage in the event of death and invalidity of up to 310,000 euros, compensation in the event of transport or luggage delay (up to 400 euros), civil liability abroad, etc.
The Boursorama bank account in detail
Several free offers at Fortuneo
Fortuneo is the only online bank to offer 3 free joint account offers: indeed, all its current account formulas can be transposed into a joint account, with a free bank card for each of the co-holders, as well as free payments and withdrawals anywhere in the world. With the basic formula fosfo, bank cards are only available in immediate debit, and free, provided you make one payment per month (3euros are invoiced in the event of non-compliance with this condition). Fortuneo does not require any income or savings conditions to access this offer.
Fortuneo also declines its top-of-the-range offer in a joint account. Thus, the co-holders of a joint account can subscribe to the formula Gold Mastercard. Bank cards are always free in the event of a payment made per month (9 euros fee if applicable). They are available with a choice of immediate or deferred flow. The withdrawal limits are high, going up to 2,000 euros per day for payments, and 900 euros for cash withdrawals per day as well. An income condition is however fixed for this offer: the online bank asks its new customers to justify at least 2700 euros of income when opening the account. The insurance guarantees are extended, including in particular compensation in the event of damage to a rental vehicle of up to 50,000 euros, coverage in the event of a plane delay up to 450 euros, and up to 5,000 euros in the event of cancellation. of travel.
Finally, Fortuneo also offers its very high-end offer in a joint account via its card World Elite Mastercard. It is mandatory to receive at least 5500 euros of monthly income to subscribe. This formula allows you to have a single World Elite Mastercard card, the second card of the joint account will be a Gold or a classic. They are always free, subject to depositing a minimum of 4,000 euros in the joint account each month (failing that, 50 euros are invoiced). Available in immediate and deferred debit, the cards have high ceilings adapted to exceptional situations: 3,000 euros maximum payment per day, and 1,600 euros for withdrawals. The insurance included is also reinforced (for example, it is possible to benefit from compensation of up to 1500 euros per claim when a property purchased on the internet does not comply with the order).
Fortuneo bank account offers
|Bank||Free map||Condition of free||Immediate flow||diffr flow||Access conditions|
|hello bank||Visa Hello One||1 payment / withdrawal per month|
Failing that, 3 fees
3 payments / quarter
Failing that, 6 fees
|2000 monthly net income|
|BforBank||Visa Premier||3 payments / quarter|
Failing that, 9 fees
|2400 monthly net income|
|Boursorama Bank||VisaWelcome||1 payment / month|
Failing that, 5 fee
|Boursorama Bank||Ultimate Visa||1 payment / month|
Failing that, 9 fees
|Immediate flow: none|
Diffr flow: 3000 monthly net income
|Fortuneo||Mastercard||1 payment /month|
Failing that, 3 fees
|Fortuneo||Gold Mastercard||1 payment / month|
Failing that, 9 fees
|2700 monthly net income|
|Fortuneo||World Elite Mastercard||1 payment of 4000 per month|
Failing that, 50 fee
|5500 monthly net income|