Reduce bank charges and earn some money along the way, that’s the promise made by Fortuneo with its welcome offer. Online banking offers a bonus of up to 150 euros for the very first opening of an account, with a bank card, under conditions.
Abandoning a traditional banking institution in favor of an online bank has many advantages: less paperwork, fewer costs, but greater freedom in managing your account. Despite these significant advantages, the general public has not massively migrated to these new types of establishments to host their accounts.
The relative newness of this sector. Youth and the multiplicity of actors. The very recent cessation of activity of Orange Bank. So many elements that can cast doubt on the reliability and durability of these new kinds of establishments. And yet…
Created more than 20 years ago, backed by a large French banking group, regularly rewarded, Fortuneo stands up to the comparison with a traditional bank without batting an eyelid. Better, the establishment spoils its customers. For a few days only and thanks to the code FTOB0723*, a welcome bonus of 150 euros for opening an account is offered. Two conditions to respect, however: opt for a Fosfo or Gold Mastercard card and make at least 5 payments within 90 days of opening the account.
Why open an account with Fortuneo?
The answer to this question is based on several criteria. First of all, and it’s rare enough to underline it, Fortuneo is the only profitable online bank in France.
Another argument in favor of Fortuneo: simplicity. Unlike traditional structures, it is a totally dematerialized bank. You will therefore not need to go to an agency regularly, knowing that everything can be done online, simply, from the Fortuneo site or application. However, if necessary, advisers can be reached by telephone.
Finally, and this is undoubtedly the real asset of Fortuneo: its prices. It is not for nothing that this bank received the PriceBank trophy for the least expensive bank this year.
To begin with, at Fortuneo the credit card is free (under conditions). All that remains is to choose between the formulas offered by the establishment, whether it is the Fosfo, or the Gold Mastercard.
By opening an account at this establishment, you will not pay any fees for maintaining the account and for many operations such as the issuance of transfers or SEPA direct debits. Payments and withdrawals***, whether in France or abroad, are also free with bank cards provided by Fortuneo.
How to manage your Fortuneo account?
Fortuneo does not operate like a traditional bank in that it does not have physical branches. Instead, it has a very complete mobile application that allows you to manage the accounts on a daily basis. Thanks to it, it is possible to:
- find out the balance of accounts registered with Fortuneo (current or savings);
- manage the bank card associated with the account (limits, blocking or unblocking, etc.);
- order one-off or permanent SEPA transfers.
But that’s not all. This application, a real key to managing your account, also has some very useful additional features. Thanks to it, it is possible to transfer funds in a few clicks via Paylib, or to obtain a virtual card number to make a single payment on the internet.
The Fortuneo application is available on Android and iOS and the version available on a web browser is even more complete. If necessary, customer service, as well as advisors, can be reached easily by phone or email.
What additional services does Fortuneo offer?
Just because Fortuneo is an online bank doesn’t mean it isn’t primarily a bank. As such, the institution offers many services in addition to opening and maintaining a deposit account. It is thus possible to deposit savings in savings products such as Livret A, Livret+ (passbook account) or LDDS.
Fortuneo also offers more exotic products, such as life insurance contracts or PEA (Plan d’Epargne en Action)****. The more adventurous even have the option of investing in the securities market with a Stock Exchange account. Finally, note that Fortuneo is able to offer both personal loans (thanks to Younited Credit) and home loans.
How to benefit from the welcome bonus offered by Fortuneo?
Simplicity of management, particularly complete service offer, low price list: the arguments in favor of Fortuneo are numerous. Online banking does not stop there and very regularly offers a welcome bonus for its new customers. This is currently the case.
Until July 19 inclusive, new customers who opt for the Fosfo card or the Gold Mastercard card will be able to obtain a bonus of 70 or 150 euros when opening their account. However, this offer is subject to conditions*, and requires compliance with a few instructions. To acquire this bonus, here is how to proceed:
- when requesting to open an account (before 07/19), do not forget to use the code FTOB0723*;
- so that everything goes smoothly, send all the supporting documents requested to Fortuneo before August 2;
- once the requests to open and grant the card are validated by Fortuneo, you have 90 days to make five payments with your new bank card, Fosfo or Gold Mastercard depending on what you have chosen.
If everything has been done correctly, Fortuneo will pay your welcome bonus directly to your bank account.
- * Legal mentions of the Fortuneo operation.
- ** Issuance of a Fosfo Mastercard, Gold CB Mastercard and World Elite CB Mastercard bank card is subject to acceptance of the application by Fortuneo, subject to fulfilling the granting conditions in force. Free subject to fulfilling the tariff conditions in force (see Tariff sheet).
- *** Excluding any costs levied by the establishment that owns the distributor.
- **** Investment vehicles presenting risks of capital loss. Contact Fortuneo experts for specific information and advice on the subject.
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