You have just turned 18, perhaps the time to get a bank card and choose the establishment that issues it to you. A choice far from trivial, because it can appear complicated to change establishment once you have made the process of selecting one, even if the bank mobility service now facilitates the process. Banks therefore have every interest in capturing their customers as soon as they reach the age of majority. They are thus increasing the number of affordable offers intended for young adults. Here are some things to consider before committing.
The first criterion to consider in choosing an establishment is the price of the bank card contribution. It is on this criterion that the banks that the traditional banking establishments make a particular effort to attract the youngest.
The package is 1 euro per month at LCL with the Visa Cléo card or the Inventive MasterCard if you are a student and you are between 18 and 29 years old, with a one-year commitment. You have to pay 2 euros per month to La Banque Postale to benefit from the #TalentBooster offer reserved for 18-25 year olds. However, the price drops to 3.15 euros per month after one year. The Globe-Trotter subscription promoted by Crédit Agricole, available if you are between 18 and 30 years old, also costs 2 euros per month.
Promote ecological and solidarity projects
The rates are 3 euros per month at Crédit coopératif for the Essentiel Agir bundle reserved for 18-25 year olds, including the Agir account, which makes it possible to promote ecological and solidarity projects. Each withdrawal and each purchase triggers a donation of 5 euro cents to the association of your choice, which amounts to 12 cents if the withdrawal is made at a network distributor. In addition, Crédit coopératif pays 3 euros to this association upon subscription. Subscribing to the Sobrio offer, intended for 18-24 year olds, also costs Société Générale 3 euros per month.
BNP Paribas is offering a welcome offer for students until December 31, with 80 euros in contributions and 3 years of free Spirit formula offered. At the end of this period, the free Spirit contribution will come back to you at 1.95 euros per month.
Also note that some establishments may apply promotions during the start of the school year. Thus, for example, the card from Ma French Bank, an online banking subsidiary of La Banque Postale, is free for the first three months if you take out a subscription before September 30, and costs 2 euros per month otherwise.
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