Introduction to online banks|BoursoBank (Boursorama)

In this comprehensive review, we'll delve into the intricacies of BoursoBank, shedding light on its features, services, and user experiences.

Mar 18, 2024

BoursoBank, previously known as Boursorama Banque, stands out as a leading online bank in France, having amassed a customer base exceeding 3 million individuals. However, the question remains: what exactly does this bank offer, given its longstanding reputation as the most cost-effective option for 15 consecutive years?

In this comprehensive review, we'll delve into the intricacies of BoursoBank, shedding light on its features, services, and user experiences.

Before diving into BoursoBank, it's essential to understand the you have also other options as well. For example: Micco.

Micco stands as an all-in-one financial platform tailored for business creators, facilitating a comprehensive array of services. These include streamlined procedures for company registration, professional bank account establishment, capital deposit management, and more.

Micco's commitment to empowering business creators extends to:

  • Effortless company registration processes
  • Seamless professional bank account setup
  • Convenient capital deposit management solutions
  • A suite of additional financial tools and resources catered to entrepreneurs

With Micco, business creators can access a one-stop solution designed to streamline their financial operations and support their growth endeavors effectively.

Table of Contents
  1. Overview of BoursoBank
  2. Pros and Cons
  3. BoursoBank's Offerings
  4. Evaluation: User Experience
  5. Conclusion

1. Overview of BoursoBank

BoursoBank, having garnered over 4 million clients by 2024, has solidified its position in the market with its free and extensive offerings, boasting the title of the most affordable bank in France for an impressive 15 years running. Notably, it has diversified its services, introducing a premium paid offer featuring a metal VISA card, likely influenced by the emergence of neobanks.

BoursoBank also prides itself on providing a plethora of personal and mortgage loans with highly competitive rates, alongside a comprehensive range of savings and investment products, including retirement savings options.

However, despite its seamless website and mobile app functionality, its stock market brokerage services now face stiff competition from other online banks (such as BforBank or Fortuneo) and specialized brokers like Degiro or eToro, particularly in terms of brokerage fees and managed accounts.

2. Pros and Cons


  • A comprehensive and easily accessible overall offering catering to various financial needs
  • Recognized for setting the standard in website and app usability, enhancing user experience
  • Offers a suite of comprehensive trading tools, facilitating diverse investment strategies
  • Features an attractive personal loan portfolio, appealing to a wide range of clients
  • Provides a robust life insurance policy, ensuring financial security for customers


  • Lack of provision for virtual cards tailored for online purchases, presenting a notable inconvenience
  • Pricing structure for stock market transactions can be somewhat convoluted, causing confusion among users
  • Absence of true managed accounts for stock trading, potentially limiting investment flexibility
  • Imposition of inactivity fees for certain card types, namely Welcom and Ultim cards, detracting from overall user satisfaction

3. BoursoBank's Offerings

As a subsidiary of the Société Générale group, BoursoBank offers a diverse array of online banking services, ranging from standard current accounts to real estate loans, all delivered through an innovative 100% online platform.

Key highlights include:

  • No income thresholds required for obtaining VISA debit cards, promoting financial inclusion
  • Minimal fees, even in cases of account incidents, ensuring cost-effective banking solutions
  • All-encompassing suite of banking products, including savings, credit, and insurance options, streamlining financial management for clients
  • Regular promotional incentives for new account openings and referrals, fostering customer loyalty and engagement

Despite these advantages, the inability to create virtual cards for online payments remains a notable drawback, though mitigated to some extent by the availability of various mobile payment alternatives.

While BoursoBank has limitations in online payments by not offering virtual cards, Micco provides you with a more flexible option. Micco not only offers physical cards but also virtual ones, allowing you to shop online more securely and conveniently. Unlike traditional physical cards, virtual cards are not directly linked to your account, reducing the risk of fraud. Additionally, Micco's virtual cards can be temporarily or permanently restricted according to your needs, further enhancing security. Therefore, with Micco, you not only enjoy the convenience of physical cards but also gain more security and flexibility, providing you with peace of mind when making online payments.

4. Evaluation: User Experience

Based on user feedback and firsthand experiences, BoursoBank excels in offering unparalleled convenience and user-friendliness, positioning itself as the go-to choice for everyday banking needs. However, occasional delays in feature rollouts and availability issues with customer service have been reported, dampening the overall user experience.

5. Conclusion

In summary, BoursoBank emerges as a versatile and innovative banking solution, particularly suited for individuals seeking alternative banking options and frequent international travelers. Despite certain shortcomings, its commitment to continuous improvement and customer-centric approach cements its status as a prominent player in the online banking landscape.

Opting to open an account with BoursoBank proves advantageous for individuals in search of accessible and innovative banking solutions, characterized by favorable terms and a user-friendly interface.

If you prioritize affordability and convenience in your banking experience, BoursoBank represents an ideal choice. However, investors with more discerning requirements, including personalized advice and advanced trading tools, may opt for alternatives such as BforBank, Fortuneo, or specialized brokerage firms.

Considering Alternatives? Explore Micco

If you're intrigued by BoursoBank‘s offerings and are exploring similar alternatives, consider Micco.

As a financial services company, Micco provides comparable services and solutions tailored to the needs of modern businesses. With a user-friendly platform, competitive pricing, and a commitment to customer satisfaction, Micco is another viable option worth exploring.

Whether you're a freelancer, startup, or established enterprise, Micco offers the tools and support needed to streamline financial operations and drive business growth. Check out Micco today to discover how it can complement your business banking needs.

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