In recent months, the drastic rise in interest rates has penalized the lending activity of banks. With a restrictive wear rate, they are no longer able to offer consumer (or real estate) loans to their customers, which should penalize their accounts in the months to come.
Faced with this uncertainty, many players – including in online banking – have decided to put some of their loans on hold. This is the case of BforBank, which has removed mortgages from its range. Other players like Boursorama have decided to slow down on the acquisition by lowering their welcome bonus (for the current account) to a historically low level.
In this context, there is little more than one player who seeks to energize the market: Fortuneo. The “cheapest bank in France” (PriceBank 2023 study) even inflated its welcome bonus to open a free current account. So you can touch 150 euros bonus with the code FTNAVRIL23 for a free account associated with a Gold Mastercard. The Fosfo card, unconditional and free, also offers a 70 euro bonus.
While the vast majority of new Fortuneo customers opt for the free Gold card, it will still be necessary to justify 1,800 euros to access the ultimate flexibility. This includes deferred debit, raised ceilings or even the insurance and guarantees of a premium card. If you are unable to justify this level of income, the Fosfo card from Fortuneo remains an excellent choice.
How to get the Fortuneo bounty?
When choosing an online bank with a bonus, you have to be careful about three points: the eligibility conditions, the bonus level and the bonus validation conditions. This is also what has changed recently at Boursorama Banque: the latter has revised its bonus downwards (80 euros in total) with a real additional constraint: you must use its banking mobility service EasyMove to receive 70 euros from full amount. This service implies that it is necessary to transfer a product to him (savings account, credit or other), which is a real commitment.
At Fortuneo, none of that. The procedure for receiving the 150 euros welcome bonus is simple. Of course, first you have to enter the code FTNAVRIL23 when completing the registration form. Once the registration is completed and the file accepted, the credit card will be sent to you. It will then be necessary perform 5 operations within 90 days to receive the bonus.
Online banking does not ask you more: once you have carried out these operations, with no limit on the amount, you will receive the bonus within 30 days in your account. Fortuneo does not ask you to migrate your income to it, nor does it ask you to make it a main account, nor to use its banking mobility service (free).
By adopting this position and this bonus superior to the competition, Fortuneo is sure to experience unprecedented enthusiasm. The online bank, which offers this bonus to our readers from April 18 to May 2, does not require any additional requirements compared to its historical bonus (which is 80 euros for Gold and 0 euros for Fosfo). It is therefore in your best interest to take advantage of this offer before it expires.
An inexpensive and very comprehensive bank
In recent years, many online banks have experienced difficulties. This is the case for example of Orange Bank, which multiplies the difficulties and seeks to sell itself. Faced with it, players like Boursorama Banque or Fortuneo strike very hard with a very advantageous overall promise.
Fortuneo, for example, offers a range of banking products equivalent to that of a traditional bank: you can therefore imagine making it a main bank in the long term. Loans, savings, stock market, current account, online banking has not neglected any product. Customers can manage them very independently from their personal space on the official website or on the applications.
By opting for an “online” banking model, Fortuneo has also worked on customer service and price. For the most traditional use, the bank will be totally free. Whether it’s the Gold Mastercard or the Fosfo, they are free of charge if you use them once a month. The current account is also free, so you don’t have to worry. It is the cheapest in France, and it saves 200 euros per year.
To understand the relevance of its service, it is best to take a first step: by opening a free account with no obligation, you can discover the ecosystem of online banking. Fortuneo will not oblige you to anything, it is you who are free at any time to choose your future. You can very well use it as a one-time bank account, depending on your aspirations. Note that this crazy bonus only lasts until May 2.
To find out more, it’s here:
