Monabanq is an online bank which was founded in 2006 and which belongs to the Crédit Mutuel group. It is today positioned as one of the benchmarks in this niche, with a very distinct operation from its counterparts. In this case, she does not require any income condition to open an account.
In return, she requests a monthly contribution to alls its users (between 2 and 9 € per month). It compensates for this cost with a generous welcome bonus. Until June 30, 2020, the Monabanq Summer Days allow you to receive up to € 170 in bonuses , while the other online banks on the market only offer a maximum of € 80.
How is the Monabanq premium broken down?
We as mentioned above, Monabanq offers the most generous bonus for a new customer. In total, he can currently touch up to € 170 for the first opening of a current account. To obtain the full gift, certain (small) conditions must be observed. If you intend to choose Monabanq as your destinationregular bank refinancing, these conditions are easy to validate.
The first part of the premium (120 €) is conditioned by the client's activity. He will have to carry out a minimum of operations each month for 12 months (10 operations with a cumulative minimum of € 300) to win a € 10 bonus in each of these months. In total, by adding these mini-bonuses, the customer will therefore have received € 120 over the period.
This first bonus is the one that is offered by default to all online banking customers. As part of these Summer Days (June 23 to 30), Monabanq goes even further and offers an additional € 50 bonus. The requirements are much lower for this second part since you will just have to order a card and activate it (payment or withdrawal) before September 30th. Once the first transaction has been carried out, Monabanq then undertakes to pay the client the additional premium.
If you want to know more, here is the explanation:
Why choose this online bank?
In our online banking comparator , Monabanq is one of the few not ask for conditions of income to open an account. That said, it remains much cheaper than traditional network banks. The latter charge an average of 215 € per year, and that goes up to 400 € for the 20% of the less wealthy French.
At Monabanq, the customer can choose between 4 formulas whose price varies between 2 and 9 € per month. The Pratiq and Pratiq + formulas are intended for everyday banking, while the Uniq and Uniq + versions are geared towards travelers. Monabanq has always been very competitive on its international offer, which it still demonstrates withc these offers. These were presented in April, after a complete overhaul of its range.
If Monabanq is so successful, it is because it offers a full range of banking products - and very close to a traditional bank. While neo-banks limit their offers to an account and a payment card, Monabanq offers a complete and inexpensive solution. Among its flagship products, we can mention savings, credit (real estate or consumption) as well as investment.
But where Monabanq is very strong, it is also on customer support. For those who are afraid to change banks to go to a online banking, the Crédit Mutuel group subsidiary is beyond reproach. She was also awarded in 2017, 2018, 2019 and 2020 with the title of "Elected Customer Service of the Yearée. It offers unparalleled support with a series of experts available over extended time slots. It is for this reason that it is so popular, and that it appeals to people who want to start smoothly with online finance.
To discover the Monabanq advantages, it is here:
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