It has now been two years since I discovered online banking. I tested three of the best known. On your side, you are more and more attracted by these attractive online banks. You would pass the course, but you lack a click , a reason to take this step. Good news, I’ll give you some! So let’s find out my opinion on one of them, Boursorama. By the way, note that you will find on this site all the details of the Boursorama Banque offer. You will soon have no reason not to get started, believe me!
By drawing the line (or not…), the banks have, in some ways, a role that many could envy them. Not only do we leave our money there, allowing banks to invest and grow it; but in addition, they invoice its various services to its customers. And its customers are us!
And who are the pigeons? 😉
Do you want to open a current account? Don’t worry, we will be able to charge you an account maintenance fee .
Not happy and want to switch banks to see if the grass is greener elsewhere? No problem, we’ll have to charge you an account closure fee .
Want to be able to spend the money you deposited with us? So take a blue card. It will cost you barely ten euros per month!
Do you want to be able to spend a little more than a few hundred or thousand euros per week, on the same money that you deposited with us? Take a Gold or Platinum card, see a Black card. It’s a bit more expensive, but then you can do almost anything you want with your money! It’s nice, isn’t it?
Well, the tone is a bit sarcastic, I grant you. But you get the idea…
By switching to online banking, and this is one of the reasons why I have an excellent opinion on Boursorama Banque, it all becomes… free ! In general, in a more traditional bank, these different elements take the form of a subscription, for an average monthly price of between €8 and €15. By switching to Boursorama, you will therefore easily save between €96 and €180 per year.
For my part, it’s been two years since I went to them. In two years, I paid them the modest sum of 0 € . Including taxes. Nothing at all. So, do you want to try the adventure?
An unstoppable argument on the part of those allergic to online banking is the absence of a “physical” advisor. So I can find as many good opinions on Boursorama Banque and others as I want, but they still won’t offer “physical” advisers. Of course, they are right. You will effectively no longer have an adviser directly in front of you. But is it really a problem?
I will say even more, and that engages only me. Is it really a loss? 🙂
I will take an example that I know well. Me. My personal experience leads me to think that having a dedicated advisor does not bring any real added value . Or at least not for me, for the bank I’m not saying… In short.
I mainly expect two things from my banker.
First, I want him to be an expert in his field, so that I can rely on his valuable advice. During the negotiation for the credit of my apartment building, within the framework of the implementation of an insurance delegation, I found myself explaining to my adviser the difference between an insurance on the borrowed capital and another on the outstanding capital. Certainly, I suspect that not all customers know the difference. But it is not acceptable that the bank does not know how to explain it. This is just one example among many. So for the expertise, it will be necessary to iron .
Please note, I am not saying that bank advisors are all incompetent. I am also not saying that those of online banks are better. Besides, I have no opinion on Boursorama Banque and its advisors. I am only indicating that, in my experience, their duty to advise has never satisfied me. And as long as you are dissatisfied, you might as well not pay for having bad answers .
The other point that I demand from my adviser is that he be available to respond to my requests. Of course, I’m not expecting an instant response. But I don’t want to be forced to relaunch my bank several times before having a first embryo back.
Unfortunately, again I did not get satisfaction. In particular, I am in the process of renegotiating my mortgages (I will probably come back to this later in a dedicated article 🙂 ). I asked to get my credit statement on June 23rd. After multiple reminders by email and telephone, I got the first answers on July 21.
A bit too long for my taste…
On the online banking side, my requests do not go unanswered for more than 48 hours. Enough to continue to reinforce my excellent opinion on Boursorama Banque .
It is perhaps the fault of “bad luck”, but in terms of expertise and availability, it is therefore a zero point. And as it bothers me a little to pay for a service not rendered…
But then, where is the catch? Why isn’t everyone taking the leap? As usual, changing years-old habits is a bit difficult .
I can tell you that the ergonomics for managing your accounts are top notch. The security there is impeccable. This is certainly true, but it is also the case for more traditional banks.
At a time when the livret A keeps falling, I can give you my opinion on Boursorama Banque and its life insurance contract at no cost and with more attractive returns. Unlike that of more traditional banks. I can tell you about its managed management offer.
I could make you salivate by praising the bonuses that Boursorama pays to attract ever more people . There is generous sponsorship, for example currently offering 80€ for newcomers. Other one-off bonuses appear regularly: €50 or €100 for life insurance, €50 for a booklet A, etc. Watch for offers, they are often interesting.
Think of me by the way if you want me to sponsor you 🙂
In short, I will be able to continue to praise online banking for a long time to come by giving my opinion on Boursorama Banque. But you know what ? I will stop there. Because the simplest thing is still that you try it .
As you have understood from reading this article, I am extremely satisfied with the services provided and my opinion on Boursorama Banque is very positive. All with an unbeatable price/quality ratio, since it’s all free.
We can even say that it brought me money, between bonuses and various sponsorships.
So, even if it’s a little propaganda, why not try the adventure? You risk nothing . You can even keep your bank hard if you don’t want to change everything all at once. You will just save money . Try it. Honestly, go for it.
If you have any questions or remarks, the comments are there for that.