Best online banks 2026
French online banks compared on fees, welcome bonus, cards and mobile app. Editorial ranking scored out of 100 according to our methodology.
- BoursoBank (formerly Boursorama Banque, a Société Générale subsidiary) is the largest online bank in France and was named "cheapest bank" by the MoneyVox Trophies.
- Fortuneo is recognised for its fees abroad and its investment offering; BforBank offers an entry-level account with no income requirement.
- Welcome bonuses exist but remain variable and conditional (income deposited, first payment in) — from a few dozen euros up to ~€300 depending on the offer and period (source: MoneyVox, 2026).
- ⚠️ This is not personalised advice — check the up-to-date fees and conditions with the bank, as well as its ACPR authorisation.
Online banks have made low-fee current accounts and no-fee cards mainstream, but behind offers that look alike, the differences lie in the details: welcome bonus conditions, fees abroad, the depth of the savings range and the quality of the app. In France, BoursoBank (formerly Boursorama Banque) dominates the market by number of customers, while Fortuneo and BforBank stand out respectively on fees abroad and access with no income requirement. This comparison is an editorial ranking scored out of 100 using the same grid for all institutions; it does not replace checking the up-to-date conditions and the ACPR authorisation of each bank.
Our methodology
Each option is scored out of 100 against weighted criteria, using the same grid for all.
| Criterion | What we look at | Weight |
|---|---|---|
| Fees | Account maintenance, card, transactions abroad | 30 |
| Welcome offer | Bonus amount and eligibility conditions | 20 |
| Range & services | Cards, savings, credit, insurance | 20 |
| App & experience | Store ratings, features, usability | 20 |
| Customer service | Availability, responsiveness, customer reviews | 10 |
The 2026 ranking
BoursoBank
Fortuneo
BforBank
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Comparison table
| Bank | Bonus | Fees/month | Abroad | Score |
|---|---|---|---|---|
| BoursoBank | Subject to conditions | From €0 | Capped (basic) | 93 |
| Fortuneo | Subject to conditions | From €0 | Fee-free (Fosfo) | 90 |
| BforBank | Subject to conditions | From €0 | Depends on offer | 87 |
Frequently asked questions
Which online bank is the cheapest?
Several online banks offer free account maintenance. BoursoBank was named "cheapest bank" by the MoneyVox Trophies, but the real difference lies in the ancillary fees (premium card, transactions abroad, payment incidents) depending on your usage. Our "Fees" criterion accounts for 30% of the score.
Are welcome bonuses guaranteed?
No: they depend on conditions (income deposited, first payment in, card activity) and vary over time. Amounts observed range from a few dozen euros up to around €300 depending on the offer and period. Always check the up-to-date conditions on the bank's website.
Is an online bank safe?
Authorised online banks benefit from the deposit guarantee of up to €100,000 per depositor per institution, provided by the FGDR. Check the institution's ACPR authorisation before opening an account.
🗓️ Update history
- 05/08/2026 — Verification of players and facts, 2026 update.
- 15/07/2026 — Updated 2026 bonuses and fees, added the app criterion.
- 02/04/2026 — Revised scores, added 2 banks.
- 10/01/2026 — Comparison created.
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