Neobanks and online banks now serve roughly 25% of French people (2026). BoursoBank (formerly Boursorama, Société Générale group) leads with over 7 million customers, offering a French IBAN and a full banking suite (credit, regulated savings, stock trading). Revolut (40M+ global customers) offers a free tier with unlimited SEPA transfers and fee-free FX up to €1,000/month, and launched Revolut Bank France in 2026 offering a French IBAN on Premium+ tiers. N26's Standard tier is free, with Smart/You/Metal tiers adding insurance and cashback. A key practical distinction: BoursoBank, Fortuneo, Hello bank!, and Monabanq issue French (FR) IBANs, while Revolut, N26, and bunq typically issue foreign (LT/DE/NL) IBANs, which some French employers, CAF, tax authorities, and landlords still resist accepting.
Neobanks/online banks serve ~25% of French people as of 2026.
BoursoBank: market leader, 7M+ customers, French IBAN, full banking suite.
Revolut: free Standard tier, unlimited SEPA transfers, fee-free FX up to €1,000/month; new Revolut Bank France (2026) offers FR IBAN on Premium+ tiers.
Non-FR IBANs (Revolut, N26, bunq) are sometimes rejected by French employers, CAF, tax authorities, or landlords — a real practical friction point.
Costs
Revolut FX allowance before fees: €1,000/month fee-free
Common Mistakes
Choosing a neobank with a non-French IBAN without checking first whether an employer, landlord, or CAF will accept it — this can cause payment friction.
Assuming all neobanks are equally 'full-service' — BoursoBank offers credit and investing, while pure fintechs like Revolut/N26 have narrower product ranges in France.