Right now, it's very difficult to talk about cryptocurrency with your traditional banker. In fact, you may run into unexpected rejections or extensions of transfers, if at all your bank agrees to make a transfer to a cryptocurrency platform. A very simple solution exists to avoid facing this kind of problem anymore. It is to use a bankerless bank.
In the past, my banker prevented me from making a transfer to Coinbase's RIB. The reason was that the company was located in Estonia and my private account did not have sufficient authorizations to make the transfer. This was an ordinary abuse of our wealth by the banks, since the SEPA transfer protocol aims at making all transfers within Europe more fluid.
At the time, I did not react. I don't know if this situation is still possible today, but you should know that it is your money and you are free to move it wherever you want. At the time, I had to send my money through Boursorama to get it.
That's why I'm presenting you today the three best neo-banks to use to have almost total control of your money, make transfers as you like and benefit from instantaneity.
It is the big winner of online banks. Boursorama has been offering services on the internet since the 2010s and it has succeeded perfectly in taking the digital turn. Coming from a traditional banking sector, Boursorama has specialized in totally free bank accounts. In fact, Boursorama has been ranked the cheapest bank for 13 years now. This is a very good record, supported by a strong marketing strategy (TV spot with George Clooney) and a great incentive for users to sponsor their relatives. Boursorama can offer on a fairly regular basis 130€ for those who motivate their friends to sign up within a given time. These strategies have paid off, Boursorama currently has over 2.5 million customers.
In addition to offering a completely free bank account, Boursorama has developed a whole range of additional services for its users. It would be very long to list them, but there are really many. Like the overview of all its other accounts, the automatic bill safe and the free instant transfers to name a few.
Boursorama is also a major pillar of the stock market in France. No worries about the viability of the company. It's really a good compromise, you won't be disappointed.
Click here to learn more about Boursorama registration. 130€ offered at registration!
The little German nugget that became big. N26 is the neo-bank par excellence. This Berlin startup has the slogan "The mobile bank". It's totally true, you manage your entire account with your mobile. Even the registration is done in three clicks and two photos directly from your mobile. No more letters and other documents to print, sign and send back. Check your identity with a valid document, take a selfie, wait to be verified and your RIB is ready!
The N26 RIB is German and the products are of high quality. Get a free bank card with N26, can be activated/deactivated anytime. Distinguish Apple Pay, online payments, foreign payments, ATM withdrawals etc.. In short, set up your card as you wish. In addition, get €2500 of daily withdrawals without fees. The Premium packages also offer all types of insurance, for travel, fraud, theft etc.. A very complete service with which all transfers are made instantly. I like, use and highly recommend N26.
The company founded in 2013 now has 2 million customers worldwide! On this occasion, N26 is offering a €30 bonus for opening an account. This offer is exclusive and will not last. So don't hesitate to open an account today.
Click here to learn more about N26 registration. 30€ free when opening an account!
London-based challenger. Founded in 2015, the company is currently valued at $5.5 billion. A very nice performance considering the rather complicated London economic environment within the Eurozone. As such, the company had to move the euro RIB of its customers to Lithuania. The company offers three types of accounts in one. Receive and pay from Revolut with dollars ($) euros (€) and pounds sterling (£). A very big plus for business customers.
You can also easily capitalize with the Revolut app, buy commodity stocks like gold or buy cryptocurrencies directly on the app. Beware though, it's closed loop, meaning you won't be able to transfer those securities elsewhere.
Revolut is great as a neo-bank. Free instant transfers, no account maintenance fees, great security with credit card payments, you often have to validate directly in the application. Finally, you benefit from a great transparency. All the queries made by the payment services on the account are visible. However, the physical card will be charged.
Click here to learn more about Revolut sign up.
So, did you choose?
No spoilers, I'm signed up with all three. I particularly like Boursorama's French RIB, N26's accessibility and card, and Revolut's multi-currency. So these three banks are complementary. No risk on the stability of these institutions. Simply the free online financial services, a revolution!
Comentários