Digital banks in France

What you need to know about mobile banking in France, including how to find the right one for you.


Fact checked
digital banks france

Mobile banking puts your finances at your fingertips 24/7. There’s a host of challenger banks, digital-only banks and personal finance apps available now, designed to give you better, faster control of your cash.

We’ve rounded up everything you need to know so you can decide if digital banks are right for you.

What is digital banking?

Digital banking, also called mobile banking, is a way to control your money, usually through a smartphone app or web app. It allows you to log into your account anywhere with Internet access, giving you constant visibility of your money and helping you understand the best way to manage it.

Why should I use a digital bank account in France?

There are several advantages to mobile banking:

  • Banking access in your pocket
  • Many companies offer 24/7 access to banking support
  • Instant spending notifications
  • Many banking apps offer ways to automatically save money

Compare a range of digital banks in France

Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
VIALET Current Account
VIALET Current Account
Up to 7 working days


An IBAN account you can use to manage your money and spend in over 200 countries worldwide, fee-free, with free international transfers.
Monese Simple
Up to 3 working days


No monthly fee and no ATM fees up to€200 per month after which a 2% fee applies with a dual-currency bank account. Includes a Monese Mastercard and multilingual user support.
Revolut Standard
Up to 9 working days


Enjoy no monthly fees, no currency conversion fees up to Up to €1,000 per month, and the ability to hold over 15 currencies in your account.

Compare up to 4 providers

Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
bunq Premium
Up to 10 days


Enjoy a premium Visa card and multiple interest-earning bank accounts with unique IBANs at a competitive monthly rate.
N26 You
Up to 10 working days


Benefit from free ATM withdrawals around the world, an insurance package, and a 0% currency conversion fee.
VIABUY Online Account
VIABUY Online Account
Within 24 hours


A prepaid Mastercard card linked to an IBAN, providing simple payments and bank transfers in Europe.
bunq Premium SuperGreen
up to 10 business days


A current account with a premium metal Mastercard. Get all the advantages of a premium card, and help the environment at the same time.

Compare up to 4 providers

Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
bunq Travel card
up to 10 days


A no monthly-fee card that lets you travel and spend globally using real exchange rates. Includes security controls and simple payments.

Compare up to 4 providers

What you should know about mobile banking

Here are a few things that you may not know about using your mobile as your main point of contact with your bank:

Cash and cheques aren’t fully supported

In France, digital banks usually have limitations on how many ATM withdrawals you can make a month and do not offer cheque facilities.

You don’t need to be a French resident to apply

Most digital banks have limited eligibility criteria and do not require you to be a French resident to open an account. You also do not need to visit a branch to open an account; you can sign up on your smartphone in a few minutes.

Everything is managed on your smartphone

You will generally not get access to online banking on a computer with digital banks. Everything is handled on your smartphone.

Managing multiple currencies is easier

Digital banks tend to have better services in terms of foreign currency. Some let you hold multiple currencies in your account while others let you make international transfers faster and more cheaply than standard banks.

If you forget your pin or lose your card, most mobile banks won’t panic

A benefit of a digital bank is having full access to your account at all times. Lots of mobile banks allow temporary freezing of your account in the case of a lost card, so if you find it again it’s not as much hassle to get a replacement. If you forget your pin, the banking apps also tend to have access to a pin reminder after you complete a couple of security questions.

The fees can be higher

Some mobile banks charge higher monthly fees for premium accounts which offer features such as insurance, discounts and more. This means a higher cost at first which will negate your ongoing costs.

What digital banks are available in France?

There are a number of mobile banks available in France. These include:

  • Revolut. Revolut is a global banking app that offers budgeting tools, international currency exchange, travel insurance, cryptocurrency facilities, virtual cards and more.
  • N26. This is a digital bank account that lets you save and budget. Using N26 you can transfer money to other N26 users, use optional travel insurance and benefit from cashback.
  • bunq. A bank account designed for global citizens, bunq offers up to 25 bank accounts with unique IBANs, savings and budgeting tools, money transfers through Transferwise and no foreign exchange fees.
  • Monese. With Monese, you’re able to open a UK current account with no proof of address required. You can then receive real-time notifications and make ATM withdrawals and foreign currency transfers up to a certain limit.

How to get started with a digital bank

You can sign up with a French digital bank by downloading your chosen bank’s app onto your smartphone. You will need a few of your personal details to sign up, including your full name, date of birth, address and email address. You will need to confirm your identity and may need to deposit funds into your account to make it active. Then, your bank account will be created.

Go to site