Which online bank is the cheapest in June? Boursorama Banque and Fortuneo are elbow-to-elbow according to the monthly ranking made by MoneyVox.
With prices rising now at 5.2%, their highest level in 37 years, there is an easy way to save money: choose the cheapest bank. According to the monthly barometer carried out by MoneyVox, it is then possible to save up to 250 euros bank charges per year.
And it is the online banks that are the highest bidders in our ranking. They offer a full range of services (savings books, life insurance, mortgage and consumer loans, etc.), like traditional establishments, but they have the advantage of often offering very low prices.
For a classic profile
The proof: 2.78 euros bank charges per year at Fortuneo and Boursorama for a classic profile. These two banks also grant a bonus for their new customers which can reach 80 euros at Fortuneo and 100 euros at Boursorama. Behind these two online banks, ING complete the top three with 6 euros in fees per year. However, the Dutch bank will leave the French market by the end of the year. Its customers are also encouraged to go to Boursorama.
Fortuneo or Boursorama: which online bank is really the cheapest?
For a young profile
This ranking, produced each month by MoneyVox, also distinguishes banks on the basis of a young profile with reduced banking needs: a systematic authorization or immediate debit card, two withdrawals outside their bank per month… For this young profile, Boursorama Bank and Fortuneo are still racing in the lead with a total absence of bank charges. Just behind, we find N26 with 13.58 euros in fees each year.
For a premium profile
Again, as for the young profile and the classic profile, Boursorama and Fortuneo dominate the debates and take first place in the charts with 0 euro fees. For this premium profile, i.e. a person with 3000 euros of monthly income and who notably has a Visa Premier or Gold Mastercard card, ING again takes third place with 6 euros in fees each year.
Online banking: the comparison of the best offers