The life of a student is not always easy, especially financially. Between rent, bills, outings and food: it’s hard to find a good balance! Fortunately for them, the banks are trying to offer attractive offers to allow students to experience this period in a more serene way. Now that the baccalaureate has passed, the student must learn to manage his budget and for this, his bank can help him with lower rates or aid for a loan in order to be able to pay for his studies and the school of his dreams. . If you are a student, know that we have analyzed the offers of several banks so that you can find the one that best suits your profile.
The postal bank is a bank known for offering attractive offers and fairly low rates. For you students, it offers a credit card that you can use anywhere in the world, a check book, an overdraft authorization for three euros per month . All these services will be accessible to you regardless of your income, whether your parents give you money, whether you receive a scholarship each month from the State or whether you have a small job alongside your studies. If you rent a studio, be aware that the Banque Postale also offers home insurance for this type of property at only five euros per month . In addition, if you need to take out a loan for your studies, you can take advantage of an APR of 0.90 euro. In short, you won’t miss anything.
BNP Paribas also offers several offers dedicated to students, but be careful, you must be between 18 and 24 years old. First of all, you can take advantage of an immediate debit card in order to avoid spending without thinking, because if you do not have the money in your account, your bank card will not pass during the transaction so that will save you from unpleasant surprises once you check your account. Then, you will not pay any agio during the year following the opening of your account if you find yourself overdrawn. On the insurance side, you can take advantage of a special student rate, in particular for your accommodation and your car. You can also take advantage of assistance with the deposit for your apartment. In addition, you will be able to have an advisor who will be able to help you in the event of difficulties related to your finances or to offer you preferential rates on certain products.
The other classic bank offering an attractive offer is Crédit Agricole. For 24 euros per year (i.e. two euros per month), you can receive a bank card and a checkbook . As a student, you do not have an authorized overdraft. A little extra: the Eko application by Crédit Agricole which allows you to better manage your budget anytime and anywhere.
Online banks also offer attractive offers for students. Know that you can benefit from a welcome offer of up to 120 euros once you open a current account. On the credit card side, Monabanq provides two offers according to your budget:
In addition, you do not have to prove income to claim to open an account.
Hello Bank allows its customers to easily initiate procedures with your computer and your smartphone. Indeed, if you opt for this one you will not need to make an appointment to open an account, because you can do it easily and quickly online. Then, if you need help from an advisor, you can get in touch through your app. As for fees, Hello Bank offers students under 25 a free bank card and you can claim 50 euros as a welcome offer. The online bank Hello Bank also receives very favorable opinions regarding this category of customers as a general rule.
Boursorama wishes to attract students with their various preferential rates. Just like the Postal Bank or Monabanq, you do not have to prove income to open an account. Then, you have the option of receiving a free bank card and account maintenance fees that will cost you nothing. If you withdraw money from an ATM in France or Europe, you will not be charged anything. You now know the main offers offered by traditional banks and online banks. Very diverse, you can easily find the one that suits you best. It all depends on your current situation: if you are working, if you plan to go abroad for a few months for your studies or if you are not living with your parents.