Online banking signed Crédit Agricole

Le site Bforbank BforBank is not a recent online bank strictly speaking: it was created in 2009 , while other online banks had already taken place on the Internet a few years before. Arriving in a mature market, it has made a place for itself among the rest, offering a full range of services and free high-end payment cards . If nothing particularly sets it apart from the others, its offer remains quite interesting and competitive. Finally, it benefits from the know-how and experience of a large banking establishment (Crédit Agricole). In June 2017, Bforbank added a new service and offered mortgage loans.

Open a current account with Bforbank bank?

Applying for an account is very simple and only takes a few minutes . It is done directly and completely online, in 4 steps :

  1. personal information , civility, contact details, professional situation ...,
  2. choice of your means of payment (CB), a possible overdraft authorization, and the amount of the first payment on the account (150 us dollars minimum), subscription of any optional insurance, optional opening of a savings account,
  3. summary and information of the contact mobile phone number,
  4. 1 signature specimen on a white sheet,
  5. confirmation and electronic signature of the file.

If you have opted for the online electronic signature, you must also send the necessary supporting documents electronically:

  • 1 proof of identity (national identity card or passport),
  • 2 proof of income : last tax notice for the first, last complete payslip or penultimate tax notice for the second,
  • 1 proof of address : rent receipt, electricity, water, gas, landline or mobile phone bill, housing tax, etc.

If you opt for a classic opening, you will have to send copies of these documents by post.
Finally, the request to open the account requires a first payment of $ 150 on the account, either by bank transfer (from an account already belonging to you), or by attaching a check (also in your name). BforBank immediately provides the IBAN number for these purposes.
After validation of your file, you will receive a confirmation email including your site access credentials, as well as a registered letter containing the secret code to access the online account.

I open a Bforbank current account online

Conditions to be fulfilled to open a Bforbank account

Note that certain conditions must be met in order to be eligible for opening a BforBank account and the granting of a bank card:

  • be a natural person , residing in France, and be of legal age ,
  • justify a monthly income of 1200 us dollars net, for an individual account, or justify a monthly income of 2200 us dollars net, for a joint account for a Visa Classic card.
  • justify a monthly income of 1600 us dollars net, or a deposit of 6000 us dollars for an individual account, or justify a monthly income of 2400 us dollars net, or a deposit of 9000 us dollars for a joint account, for a Visa Premier card.
There is no obligation of bank domiciliation of its income with BforBank.

BforBank is affiliated with the VISA network , and offers two types of high-end cards ( not classic range ), accessible according to declared income.

Menu justified income
is greater than
or ... you deposit in savings

(immediate or deferred debit)
$ 1,200 net / month
($ 2000 net / month for 2 holders)

(immediate or deferred debit)
$ 1,600 net / month
($ 2400 net / month for 2 holders)
$ 10,000 (over the last 6 months)
$ 1,200 net / month
($ 15,000 for 2 holders + $ 2,000 net / month)

(deferred debit)
$ 200 / year .
$ 4000 / month
($ 6,000 net / month for 2 holders)
$ 40,000
(or $ 60,000 for 2 holders)

The bank card at Bforbank

Since November 2018, the Visa classic bank card is also available. It is added to the high-end Visa Premier card (immediate or deferred debit) and the prestige Visa Infinite card (deferred debit). They all allow contactless payment (disabled by default, can be activated after two ATM withdrawals). Visa Infinite requires a membership fee of $ 200 / year and a minimum monthly income of $ 4000 net.

Special feature for the V isa Classic card: it allows real-time monitoring of its bank account and therefore the sending of notifications also in real time .

They are accepted in most shops, online sales sites and ATMs, in the same way as the Mastercard card. Bforbank provides them free of charge to its customers with a current account, with no time limit, which represents a significant saving in terms of bank charges (see conditions to be fulfilled above)!
The Premier and Infinite versions come with a range of advanced services ( assistance and insurance ) that are very practical, especially for travelers (provided they have paid for the service or the good with this card):

  • medical assistance and repatriation
  • hospitalization abroad
  • legal assistance abroad
  • replacement driver
  • snow assistance ...
  • insurance theft and damage to rental vehicles (forget and refuse the surcharge proposed by the rental companies !!!)
  • transport delay guarantees
  • baggage delay guarantees
  • snow and mountain insurance
  • trip cancellation / interruption insurance
  • travel accident insurance
  • civil liability abroad ...
In the end, a very complete high-end offer at no additional cost (for the Visa Premier)!

Privileged services are reserved for holders of the Infinite card (private concierge who, for example, can book a trip for you, a weekend or a table in a large restaurant, send flowers to a friend, insurance coverage and further assistance, etc.), as well as access to high payment and withdrawal limits .

Bforbank: the advantages

  • high-end bank cards ,
  • access to the Visa Classic card for lower income, from 1,200 us dollars net per month,
  • no "package" of services , often very expensive paid and unnecessary in so-called "classic" establishments. There is no surprise: almost everything is free!
  • no obligation to domiciliate his salary , only proof of income to be provided,
  • no obligation to regularly deposit money into your account, only the use of the bank card is compulsory ( minimum 3 operations per quarter ) to keep its use free,
  • very competitive general pricing , which ranks among the best on the market.
  • the possibility of supplementing then by opening a savings account , life insurance , a livret A , LDD , access to the stock market ...
  • non-surcharged number to reach an advisor (service based in France), Monday to Friday 8 a.m. to 7 p.m. - 9 a.m. to 1 p.m. on Saturday. Dedicated experts are available 6 days a week by chat, phone and email.
  • a very simple account opening request in just a few steps, directly online .

I open a Bforbank current account online

Bforbank: the disadvantages

  • The accessibility conditions require higher income compared to what other online banks require, such as ING Direct , Hello bank! or Bridgepayday ,
  • The Visa Premier bank card is free, subject to making 3 payment transactions per quarter . Otherwise, an inactivity fee (€ 9 / quarter) will be charged ($ 6 / quarter for an unused Visa Classic card).

Bforbank: the services available

  • Current account with free Visa Premier card
  • Savings booklet (no opening, deposit or closing costs)
  • Livret A (no opening, deposit or closing costs)
  • Online Life Insurance (no entry, exit or payment fees, free online arbitrations)
  • Stock exchange (free custody, subscription and account maintenance, reduced brokerage fees)
  • Sustainable Development Booklet (LDD)
  • A credit offer, through CréditLift
  • Real estate loan, without obligation to open a Bforbank current account, with a very competitive APR of 1.16% over 15 years (for a loan of US $ 300,000. Insurance and guarantees included). Make your own online simulation to see the proposed rate according to your project.

Bforbank: mobile applications

Bforbank on Google Play YES
Bforbank on Apple Store YES

Our opinion on Bforbank
BforBank belongs to the Crédit Agricole network, well established in France. This can reassure future reluctant customers who have not (yet) switched to online banking, in particular to drastically reduce their bank charges.
The BforBank offer is in the same vein as other competing online banks, and the offer is very complete and competitive. However, access to bank cards remains less accessible than at other online banks, because it requires proof of slightly higher income.
High-end (Premier) VISA cards are no longer synonymous with luxury and are now available for free.

Summary of the offer at Bforbank
Basic services
Account opening / closing FREE
Subscription / Account management FREE
Bank card FREE
ATM withdrawals (us dollar zone) FREE
Checkbook order (registered mail) FREE
Online transfers (in $, US dollar zone) FREE
Specimens FREE
Purchases (in $, in US dollar Zone) FREE
Delivery of checks (excluding postal costs) FREE
Call for an advisor FREE
Proposed services
Bank card network
Type of bank card Visa Premier
Mobile app YES
Minimum income to obtain free credit card $ 1,200 / month
Weekday customer service hours 8h00-19h00
Saturday customer service hours 9h00-13h00
Income domiciliation obligation NO
Contactless payment (NFC) YES
Apple Pay (NFC) NO
Automatic activation of contactless NO
ATM cash withdrawal fees Outside us dollar zone 1.95%
Purchasing fees outside the us dollar zone 1.95%
Free second card contribution on joint account YES
Bank check FREE
Cash payment NO
SMS account status alert YES
Modification of the credit card limit online YES
Online CB opposition YES
Stop a check online FREE
Download operations (OXF, QIF, CSV type) NO
Editing an account statement on the Internet FREE
Customization of the credit card code NO
Demonstration site NO
3DSecure ?
Visual categorization of expenses YES
Double authentication online account access NO
Bank domiciliation change help YES
Savings book rate (gross) 0.1%
Premium Card (Premier) YES
Prestige bank card (Infinite) YES
Consumer credit YES
Real estate loan YES
Management / revocation of direct debit mandates ?
Additional insurance means of payment, keys, papers ... 24 € / year
Sending free checkbook (simple mail) YES
Authorized overdraft rate 7% / year
Unauthorized overdraft rate 16% / year
Card opposition fees (loss, theft, fraud) by the bank FREE
Early renewal of bank card $ 15
Simple classic card NO
Chat with an advisor NO
Possibility of opening a savings account YES
Free paper monthly statement sending $ 1.20 (option)
Opening of an A booklet YES
Opening of a LDD YES
stock Exchange YES
Opening a Life Insurance YES
Inactive account fees / bank card non-use YES
9 € / trim (Premier) or
6 € / trim (Classic)
if less than 3 op. card / trim
open a Bforbank account
Consult the Bforbank price brochure

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Check your repayment capacity before you commit.

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