It’s the return of the match between two bank account offers, this time within the same online bank: Boursorama Banque. This offers two flagship offers, Welcome and Ultim. Faced with these complete and accessible formulas, it is not easy to make a choice.
The online bank Boursorama Banque currently offers a welcome bonus of up to 130 euros for the first opening of a bank account associated with the Welcome offer or the Ultim package. Now is the time to make your choice! Including sometimes similar services, these two offers nevertheless have some differences.
The Welcome offer in detail
Welcome is Boursorama Banque’s standard offer. It allows you to obtain a recycled PVC bank card, equivalent to a Visa Classic systematic authorization, and free under condition of use. If its bearer does not make at least one payment in the month, 5 euros are invoiced by Boursorama. This bank card, available only in immediate debit, is accessible without having to prove a minimum income. When opening the account, the online bank requires an initial payment of 50 euros, which is quite reasonable.
Welcome allows you to make payments and withdrawals free of charge in the euro zone, up to a limit of 5,000 euros over 30 rolling days for payments, and 400 euros for withdrawals. Abroad, the holder also benefits from free payments. As for foreign currency withdrawals, the offer includes one free each month. Beyond that, a commission of 1.69% applies to the amount withdrawn.
Finally, the Welcome formula also offers useful cover during trips made by its holder, including financial coverage in the event of accidents occurring during the trip, resulting in disability or death.
This formula is therefore useful if you have little cash to open a bank account. It is also interesting if you are looking for the traditional banking services, lower cost. Finally, note that it is ideal for low incomebecause no minimum income condition is required.
Ultim package services
The Ultim offer is the high-end Boursorama formula. It also allows its holders to obtain a free bank card, subject to use: 9 euros are invoiced if no payment is made with the card in the month. Ultim is accessible without income conditions for an immediate debit card, but is also available in deferred debit, on condition of justifying at least 1500 euros of net monthly income. The amount of the initial payment is also higher: indeed, the online bank claims here 300 euros.
Payments in euros and foreign currencies are also free and unlimited, as are cash withdrawals in euros. This is not the case for foreign currency withdrawals: 3 withdrawals are included in the offer, any additional withdrawals will be charged 1.69% of the withdrawal. Ultim’s monthly payment ceiling reaches 20,000 euros. As for the ceiling for cash withdrawals, it is set at 2,000 euros.
Regarding insurance, Ultim allows you to be covered by Visa Premier protection, and therefore to benefit from more extensive insurance, compensating in particular for transport and baggage delays up to 400 euros, death and disability occurring during the trip, civil liability abroad, coverage in the event of damage to personal effects during the trip up to a limit of 800 euros, damage to a rental vehicle, etc.
Here, Ultim is aimed at customers who want better banking services, the formula being so much more complete than its little one on Welcome. If you want a diffr dbit cardand you travel regularlyUltim is made for you: as a reminder, you benefit from Visa Premier travel insurance, as well as 3 free cash withdrawals in foreign currencies.
The common points of the two offers
Despite the differences mentioned above, the Welcome and Ultim formulas sometimes have the same services and benefits: mobile payments are also possible for the two formulas, which are compatible with Apple Pay, Samsung Pay, Google Pay, Fitbit Pay in particular. Instant transfers are also directly included in the offers and free of charge (up to 2000 euros per day only).
When it comes to international transfers, no difference! Indeed, Boursorama invoices within the framework of its Welcome offer as Ultim the receipt of international transfers up to 0.10% of the amount transferred, with a minimum of 20 euros. Sending this type of transfer is also invoiced for the same amount: 20 euros per transaction.
Like all the offers offered by Boursorama Banque, the holder of the Welcome or Ultim offer benefits directly from the possibility of requesting an authorized overdraft, a checkbookit has customer service available online and by phone, and the possibility of managing expenses and money in a simple and clear way via the mobile application and SMS notifications on the status of the bank account.
Finally, concerning insurance, the two formulas automatically and without additional cost include means of payment insurance, allowing you to be compensated in the event of loss or theft of your bank card in particular. Options can also be added for both offers, particularly in the event of loss of means of payment from another bank, loss of keys, important papers, leather goods, and even loss of telephone or tablet. The first level of coverage is 0.99 euros per month for Ultim and Welcome, and the second level 4.99 euros for both as well.
How to open a Welcome or Ultim account?
Opening a Boursorama bank account is intended easy, secure and 100% online. Indeed, all you have to do is complete the online account opening form, sign it electronically and download the digitized supporting documents (identity, address, income and handwritten signature) and pay the minimum amount required into the account according to of the selected offer. It is also possible to use the bank’s online banking mobility service, called EasyMove, to direct debits from the various organizations to the account.
The online bank also sells home and automobile insurance, savings solutions, life insurance, loans, and offers online stock market offers.
Boursorama’s metal offer