Have you opened a bank account with the BoursoBank online bank to benefit from a free card and have forgotten to use your bank card for more than 30 days? Rest assured, a little-known tip could allow you to avoid paying fees for not using the card.
Online banks like BoursoBank, Fortuneo and Hello bank are known for offering free bank cards, with no account maintenance fees and often without income conditions. An advantage which contributes to their growing popularity, particularly among young people and consumers looking for flexible and lower cost banking solutions.
However, taking advantage of a free bank card from an online bank often involves a consideration: carry out at least one card transaction per month. If this condition is not met, fees for non-use of the bank card may be charged by the bank, varying between 3 and 9 euros per month depending on the establishment and the card chosen.
A free card under conditions
At BoursoBank, charges for non-use of the bank card are triggered when the card has not been used for transactions for a period of more than 30 days. In fact, Visa Welcome and Ultim cards are free, subject toat least one payment made per monthwith no minimum amount.
As a reminder, the amount of fees for non-use of the bank card varies depending on the type of card chosen by the customer. Regarding the Visa Welcome card, the bank charges 5 euros per month. Regarding the Visa Ultim card, the fees reach 9euros. note that BoursoBank has recently allowed its customers to opt for a completely dematerialized card, exempting from these fees.
BoursoBank: opening an account with or without a bank card is possible!
An exceptional annual reimbursement
You may not know it, but online banking gives you the right to make mistakes, exceptionally. As it points out on its website: BoursoBank supports you in case you forget and allows you to benefit, once per calendar year, from a reimbursement of your inactivity costs Map. To take advantage of it, simply log in to your personal online space, and click on the line of expenses concerned from the movements of your account to request a reimbursement.
Today, the online subsidiary of the Socit Generale group is the only one to be understanding. So, if you are a Hello bank or Fortuneo customer and have a conditionally free card, be sure to make at least one card payment per month to avoid these fees. It could be a small expense in store or online, such as buying a baguette or a coffee for example. At Hello bank, an oversight will cost you 3 euros per month with the Hello One card, while Fortuneo charges 3 euros with the Fosfo card, and 9 euros with the Gold Mastercard card.
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