© Stock Birken – Unsplash
You have probably already seen some online banks offering 80, 100 or even 150 euros as a welcome bonus. It's very nice but it remains minimal compared to the XXL bonus that Monabanq has just announced. Until February 13, the Crédit Mutuel group's online banking .
As you can see on the Monabanq website, there is no completely free banking offer. You will have to pay between 3 and 18 euros per month to have an account with a more or less prestigious card. One advantage, however: Monabanq allows you to have an account without income conditions, including for the Visa Platinum card.
Three bonuses of 80 euros
But then how to receive the cash bonus of 240 euros ? This is divided into three parts of 80 euros each. First, you will receive 80 euros for opening and activating your account: this will be a simple formality. Then, you will receive the same amount if you choose the Visa Premier or Visa Platinum card: it is therefore only with the Visa Classic card that you will not receive this bonus.
Finally, you will also receive 80 euros for using the banking mobility service. To do this, you will need to transfer at least one transfer or recurring direct debit to the Monabanq account. If you follow these three steps, you will therefore have received a bonus of 240 euros. Of course, there are a certain number of conditions but in the end, the game is worth it. This will largely allow you to make the monthly contribution profitable.
Completely free online banks have shown their limits: ING France has withdrawn from the market, Orange Bank is ending its activity and Ma French Bank has done the same. Others could still follow. With Monabanq, you have to pay for an account and a bank card but 1) the amount is significantly lower than in a traditional bank and 2) you have high quality service.
0 € income required
Cheque and cash deposit
Visa Premier 0 conditions
Award-winning customer service
Our test Current account
Conditions: No income condition
Annual fees: €36 • Initial deposit: €50
Cheque deposit: ✔ • Cash deposit: ✔
Monthly card cost: €0
Euro zone withdrawals: Free • Eurozone payments: Free
Foreign currency withdrawals: 2% • Foreign currency payments: 2%
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Elected customer service of the year 2024
In this case, Monabanq was “elected” customer service of the year for the 7th time in 2024. It is the online bank that offers the best customer relations with real daily support. If you need reassurance by having responsive advisors over the phone (especially coming from a traditional bank with a physical bank advisor), Monabanq will be the right choice.
Above all, Monabanq also relies on assets that other online banks do not have. For example, it is the only establishment to allow you to deposit cash (and checks) into your account, thanks to the network of physical counters of Crédit Mutuel and CIC. No other online bank allows you to fund your account with cash, which can be problematic.
To discover all these services without any long-term commitment, you might as well take advantage of this moment when the bank offers you up to 240 euros in welcome bonus. Then, the amount of the premium should fall back to its traditional level – or 120 euros. So you can get double the bonus for a few more days, now's the time to go.
To see this very special offer, go here:
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