Open Bank Account Online

The procedure can seem complicated, cumbersome and costly: presentation of numerous documents, reading of bank agreements and commitment to the account keeping conditions and fee schedules provided. In reality, opening a bank account online has never been so quick and easy. It only takes a few minutes and you can do it in a few minutes, while respecting the subscription steps and at a low cost. What are the steps to follow and the supporting documents to provide?

Choose the best online bank for your needs

Opening a bank account online is a simple and accessible process, provided that you follow a few steps rigorously. A private individual can open a bank account on the Internet, without having to travel or send mail.

Before getting started, it is important to choose a bank, by inquiring about the opening conditions required by banks accessible online. For this, it is necessary to compare online banks in order to make the right choice. Once you have chosen your online bank, you must then proceed to the subscription steps to open your bank account in an online bank.

Before embarking on a subscription process, it is important to choose an offer that best suits the needs of the future subscriber.

Open a bank account for €0

Most online banks offer free account opening (no fees to open or send the credit card for example). Generally speaking, all online banks offer free bank account opening, with no account maintenance fees and with a free bank card. With the exception of the standard offers of neobanks where the sending of the bank card may be subject to a fee (example of N26 where the sending of the card is €5.99) or the prestigious offers of online banks (such as Bforbank and its infinite Visa card at €200 per year).

Open an account online without any proof of purchase

First thing to know: It is impossible to open a bank account without identification, it is written in the law. However, the customer does not necessarily have to include proof of address or proof of income in his account opening file. Most online banks, even those with an unconditional income offer, require their customers to provide proof of income. Therefore, the way to open an online account without proof of income is to subscribe to the offer of a neobank or a prepaid bank card.

Open an online bank account for a banking ban

While the procedure for opening a bank account online is simple, it can be more complicated for a person who is banned from banking. Indeed, a file held by the Banque de France indicates to all banks whether a person is on file for a banking ban. It is therefore likely that an application to open an account will be rejected when it comes from a person registered in the Banque de France file.

Whether the individual is banned from banking, registered in the FICP or in a situation of overindebtedness, it is possible for the individual to have recourse to the "right to the account" with the Banque de France. This recourse makes it possible to appeal to the Banque de France to obtain the right to open an account.

The individual must complete a file in order to assert this right to the account and send:

  • an introductory letter explaining your request;
  • a request for intervention form;
  • an identity document;
  • a proof of address less than 3 months old;
  • a letter of refusal from the bank;
  • a sworn statement attesting the fact that he does not have any other deposit account opened for personal or professional purposes.

Once this file has been sent to the Banque de France, the individual will receive a reply within 1 working day. If the answer is positive, the bank that refused the banned customer will have to proceed with the opening of the account within 3 days.

Open an online account with a welcome bonus

Opening an account online also allows the customer to benefit from a welcome bonus. The amount of the welcome bonus is often €80 and can go up to €200 during promotional periods. However, welcome offers can be complicated to obtain. They are subject to numerous conditions.

How to open an online bank account step by step?

Most online account openings are quite similar. Our website has summarized the different ways to open an account and explains how to open an account in a few steps.

What documents do I need to provide to open an account on the Internet?

The supporting documents to be provided to open an online account are :

  • An identity document
  • Proof of residence less than three months old
  • A signature
  • A bank statement
  • A certificate of income

In order for the account opening application to be processed as quickly as possible, it is essential to ensure that the supporting documents file is complete and has the correct documents. Overall, the same documents are requested by all online banks.