What if 2024 was the right year to change banks? This is the message that Fortuneo wants to send with its welcome package, between bonus, boosted rate booklet and simplified banking mobility service.
Having a bank is good (and necessary, whatever you think). But a bank also has a whole bunch of constraints that can become downright painful. Between the sometimes (often) high fees, the management not always simple (do you have time for a quick meeting at the branch?) and the lengthy formalities, managing your bank is far from being an easy task.
Is this ordeal obligatory and necessary? Absolutely not. Because if this portrait (a bit exaggerated) broadly depicts traditional banks, there are banking establishments which have managed to free themselves from the vast majority of these constraints: online banks.
Completely dematerialized, these new generation banks have almost only advantages, and do everything to make it known. Example with Fortuneo, one of the market leaders with 20 years of experience, which is currently putting forward solid arguments to make itself heard. By abandoning your bank for its benefit, you will be able to benefit from a bonus of up to 230 euros (under conditions), discover a particularly interesting savings account and above all, take advantage of a banking mobility service to support you throughout. throughout the change.
Welcome bonus: up to 150 euros offered for opening an account with Fortuneo
If you already know Fortuneo, you know that the online bank regularly offers its new customers a welcome bonus. A sum directly credited to your newly opened bank account and which can sometimes amount to several hundred euros. This is the case with the bonus available at the moment. Until March 18, you can get up to 150 euros, provided you respect certain conditions.*
The first, of course, consists of opening, for the first time, an account within the establishment using the code FTN0324 during registration. For the second, you will simply have to make sure to make at least 5 payments (excluding ATM cash withdrawals) with the card you subscribed to within 90 days of opening the account.
Once the process and the validity of the operations have been noted by Fortuneo, the bonus is paid directly into the associated account, without any additional steps. As for the amount, it is determined by the type of account opened beforehand:
- it amounts to 70 euros for the very first opening of a deposit account (individual or joint) with a Fosfo Mastercard;
- it amounts to 150 euros for the very first opening of an account (individual or joint) with a Gold CB Mastercard.
Please note that an additional bonus of 80 euros is paid for the very first use of the neoChange* banking mobility service, which therefore pushes the welcome bonus to 150 euros for holders of an account with a Fosfo Mastercard. And 230 euros for those who have opted for an account with a Gold CB Mastercard.
neoChange: a banking mobility assistance service that makes your life easier (and can pay off big)
Do you want to change banks, but the simple idea of having to redo all your transfers and withdrawals from your new account depresses you? No problem. Fortuneo has a banking mobility assistance service, neoChange, which takes care of all the procedures for you, in accordance with current regulations. A bit like when you change mobile operator with number portability.
Very concretely, neoChange will, after being used from the Fortuneo customer area, take care of two things:
- maintain associated permanent transfers from your old to your new bank account;
- contact the organizations that have issued SEPA direct debit mandates to your old bank account.
A very practical service therefore, which greatly simplifies the process of changing banking establishment. And as if this reason alone was not enough, Fortuneo has decided to give you a little gift, a bonus of 80 euros, if you decide to use the services of neoChange*. The latter will be paid to you as part of banking mobility if Fortuneo manages to contact at least one valid direct debit or recurring transfer issuer.
Boosted and guaranteed savings: discover the Fortuneo Livret+
Beyond simple deposit accounts, Fortuneo has numerous savings products in its portfolio. And one of the most interesting currently is undoubtedly the Booklet+. For what ? Quite simply because at the moment, for the very first opening of a Livret + and subject to respecting the conditions of the offer, this livret benefits from a promotional gross annual interest rate set at 5.5% for four months after opening the account***.
Beyond these four months (or if you deposit more than 100,000 euros in the booklet before the end of this period), the Booklet+ will return to its usual gross annual interest rate, currently contractually fixed at 2% (and subject to change according to the General Conditions in force).** Please note that opening a Livret+, as with other Fortuneo savings products, involves subscribing to a deposit account.
Where the Livret+ is very interesting is that it is a 100% secure investment: it carries no risk of loss of capital. And to top it all off, Fortuneo has decided not to charge any fees on it. Don’t understand that you won’t have to pay anything for opening, deposits, withdrawals or maintaining the account. Please note, however, that this booklet is subject to taxation and social security contributions.
* Consult the legal notices of the operation
** Consult Fortuneo’s general conditions
*** Consult the legal notices of the Livret+
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