Introduction to online banks|Fortuneo

Fortuneo, a well-established online banking institution with over two decades of experience, presents itself as a viable alternative to traditional brick-and-mortar banks in France. Micco will give you a in-depth review of Fortuneo, exploring its features and offerings

Mar 18, 2024

Fortuneo, a well-established online banking institution with over two decades of experience, presents itself as a viable alternative to traditional brick-and-mortar banks in France.

Boasting features characteristic of online banking, such as a fee-free card for international transactions and a user-friendly trading platform, Fortuneo caters to individuals seeking convenience and cost-effectiveness in their banking experience.

Micco will give you a in-depth review of Fortuneo,  exploring its features and offerings

Before diving into Fortuneo, 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. Advantages of Fortuneo
  2. Disadvantages of Fortuneo
  3. A Practical Overview of Fortuneo
  4. Step-by-Step Guide to Opening an Account with Fortuneo
  5. Review of Fortuneo's Customer Service

1. Advantages of Fortuneo
  • Comprehensive and Free Offerings: Fortuneo provides a comprehensive suite of services at no cost to the customer, including access to a Mastercard (subject to certain conditions) and a highly functional website and mobile application.
  • Global Payment Benefits: One of Fortuneo's standout features is its provision of free withdrawals and payments worldwide, with no limits, making it an attractive option for frequent travelers.
  • Innovative Features: Fortuneo sets itself apart with innovative offerings such as virtual cards, compatibility with major mobile payment services like Apple Pay and Google Pay, and the absence of overdraft fees, enhancing both convenience and security for users.
  • Competitive Banking Fees: Fortuneo distinguishes itself with its competitive fee structure, with most traditional banking fees waived, including account maintenance fees, card fees, and intervention fees, providing significant cost savings for customers.

2. Disadvantages of Fortuneo
  • Lengthy Account Opening Process: While the process of opening an account with Fortuneo is relatively straightforward, it may take longer than anticipated, potentially deterring users seeking immediate access to banking services.
  • Income Requirements for Premium Cards: Eligibility for Fortuneo's premium cards is contingent upon meeting specific income criteria, restricting access for individuals who do not meet these requirements.
  • Limited Offerings for Minors: Fortuneo's offerings for minors are somewhat constrained compared to those for adult customers, potentially limiting its appeal to families seeking comprehensive banking solutions.
  • No Cryptocurrency Support: Fortuneo's lack of support for cryptocurrency services may dissuade users interested in digital assets from utilizing the platform.
  • Higher Mortgage Rates: Fortuneo's mortgage rates are comparatively higher than market averages, which may deter customers seeking competitive financing options for real estate purchases.

3. A Practical Overview of Fortuneo

Fortuneo's extensive experience and diverse array of offerings position it as a leading contender in the online banking landscape. While certain drawbacks exist, such as the prolonged account opening process, the overall benefits provided by Fortuneo outweigh these limitations.

4. Step-by-Step Guide to Opening an Account with Fortuneo

Opening an account with Fortuneo is a relatively straightforward process, accessible through both their website and mobile application. Prospective customers will need to provide a valid form of identification and proof of income, and should be prepared for a verification process that may take up to 20 business days.

Once the account is activated, managing it and associated cards is made easy through the intuitive features available via the Fortuneo app, which include modifying card limits and creating unlimited virtual cards for enhanced security during online transactions.

5. Review of Fortuneo's Customer Service

Fortuneo offers customer service in French, available via phone, chat, email, or mail from 8 am to 8 pm on weekdays. While lacking dedicated advisors, the customer service team is known for its responsiveness and helpfulness, ensuring that customer queries and concerns are promptly addressed and resolved.

Micco stands out by providing round-the-clock customer service in three languages: Chinese, French, and English. Micco ensures that customers can reach out for assistance at any time, day or night, in their preferred language. Our dedicated customer service team is committed to providing prompt and helpful responses to address and resolve any queries or concerns customers may have, enhancing their overall experience with our services.


In summary, Fortuneo emerges as a practical and user-friendly online banking solution suitable for a diverse range of users. Its free Mastercard offering, global payment benefits, innovative features, and competitive fee structure make it particularly appealing for individuals seeking a cost-effective and convenient banking experience.

However, factors such as income-based card eligibility, limited offerings for minors, and higher mortgage rates may pose challenges for some users. Nonetheless, Fortuneo remains a reliable option for those in search of a feature-rich and competitively priced banking service.

Considering Alternatives? Explore Micco

If you're intrigued by Fortuneo'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.

And more insights