Boursorama

Boursorama is a French online bank and broker owned by Société Générale, operating under a French credit institution and investment services license and supervised by the ACPR and AMF; eligible deposits are covered by the FGDR up to €100,000 per depositor. It offers current accounts with French IBANs, joint accounts, youth accounts (with parental oversight), and Visa cards (Welcome, Ultim, Ultim Metal) with activity-based conditions that can trigger inactivity fees; card features include contactless, mobile wallets (Apple Pay, Google Pay, and others), real-time card controls, and virtual card numbers for online purchases. Standard services include SEPA transfers, optional instant transfers, and checkbooks, with check deposits handled by mail; cash deposits are not supported. The app and web interface provide budgeting tools, transaction categorization, card management, and security options such as 3‑D Secure and temporary card locking. Savings products include regulated accounts (Livret A, LDDS) and an unregulated savings account, along with life insurance (Boursorama Vie, managed by an insurer partner) and a PER; terms and credited rates depend on the specific contract and market conditions. The brokerage platform supports securities accounts (CTO), PEA and PEA‑PME, ETFs, funds, and derivatives access subject to eligibility, with tiered pricing schedules tied to order size and activity; custody and exchange fees apply according to the published tariff. Credit offerings cover overdraft facilities and consumer loans; home loans have been subject to availability constraints and periodic suspensions depending on pricing and risk conditions. Account opening is online, requires identity and residence verification, may involve an initial funding, and is subject to acceptance and ongoing compliance checks that can lead to requests for additional documents or temporary restrictions. Customer service is remote (phone, secure messaging, chat) with hours that vary by channel; service volumes increased after the migration of former ING France retail clients. Fees, limits, and eligibility criteria are detailed in the bank’s fee schedule and can change without notice.