{"id":834,"date":"2021-05-16T19:36:31","date_gmt":"2021-05-16T19:36:31","guid":{"rendered":"https:\/\/woocommerce-693453-2293287.cloudwaysapps.com\/?p=834"},"modified":"2022-06-06T19:05:29","modified_gmt":"2022-06-06T19:05:29","slug":"les-meilleures-neobanques-france","status":"publish","type":"post","link":"https:\/\/www.newfinancer.com\/fr\/les-meilleures-neobanques-france\/","title":{"rendered":"Les meilleures n\u00e9obanques en France (2024) : comparatif des banques en ligne"},"content":{"rendered":"\n

Notre selection :<\/h2>\n\n\n\n
\t\t\t\t \r\n\t\t
\r\n\t\t\t\t\t\t \t\t\r\n\t\t\t \r\n\t\t\t\t\t\t
\r\n\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t \r\n \r\n
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Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>1<\/span> <\/div> \r\n <\/div>\r\n
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<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div> \r\n
\r\n \r\n \"Nickel \r\n \r\n <\/a>\r\n \r\n <\/figure>\r\n <\/div>\r\n
\r\n
\r\n
\r\n
\r\n 9<\/span><\/span>\r\n <\/div> \r\n <\/div> <\/div> \r\n

\r\n Nickel banque avis (2024) : tout ce que vous devez savoir<\/a>\r\n <\/h3> \r\n \r\n
<\/div> \r\n \r\n \r\n \r\n \r\n \r\n \n
<\/div>\n
\r\n \r\n Buy product<\/a> \r\n \r\n <\/div>\r\n \r\n <\/span> <\/div>\r\n
\r\n
\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>1<\/span> <\/div> \r\n <\/div>\r\n
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<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div>\r\n
\r\n \n\t€<\/span>1.67<\/bdi><\/span><\/span>\n \r\n <\/div> \r\n <\/div> \r\n <\/div>\r\n\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t \r\n \r\n
\r\n
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Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>1<\/span> <\/div> \r\n <\/div>\r\n
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<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div> \r\n
\r\n \r\n \"Orange-bank-logo\" \r\n \r\n <\/a>\r\n \r\n <\/figure>\r\n <\/div>\r\n
\r\n
\r\n
\r\n
\r\n 8.9<\/span><\/span>\r\n <\/div> \r\n <\/div> <\/div> \r\n

\r\n Orange bank avis (2024) : tout ce qu\u2019il faut savoir !<\/a>\r\n <\/h3> \r\n \r\n
<\/div> \r\n \r\n \r\n \r\n \r\n \r\n \n
<\/div>\n
\r\n \r\n Voir l'offre<\/a> \r\n \r\n <\/div>\r\n \r\n <\/span> <\/div>\r\n
\r\n
\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>1<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div>\r\n
\r\n \n\tFree!<\/span><\/span>\n \r\n <\/div> \r\n <\/div> \r\n <\/div>\r\n\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t \r\n \r\n
\r\n
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Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>0<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div> \r\n
\r\n \r\n \"CanB \r\n \r\n <\/a>\r\n \r\n <\/figure>\r\n <\/div>\r\n
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\r\n
\r\n
\r\n 8.9<\/span><\/span>\r\n <\/div> \r\n <\/div> <\/div> \r\n

\r\n canB avis (2024) : tout ce que vous devez savoir sur la banque<\/a>\r\n <\/h3> \r\n \r\n
<\/div> \r\n \r\n \r\n \r\n \r\n \r\n \n
<\/div>\n
\r\n \r\n <\/div>\r\n \r\n <\/span> <\/div>\r\n
\r\n
\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>0<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div>\r\n
\r\n \n\tFree!<\/span><\/span>\n \r\n <\/div> \r\n <\/div> \r\n <\/div>\r\n\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t \r\n \r\n
\r\n
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\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>0<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div> \r\n
\r\n \r\n \"Ma \r\n \r\n <\/a>\r\n \r\n <\/figure>\r\n <\/div>\r\n
\r\n
\r\n
\r\n
\r\n 8.9<\/span><\/span>\r\n <\/div> \r\n <\/div> <\/div> \r\n

\r\n Ma French Bank avis France (2024) : toutes les informations indispensables que vous devez savoir<\/a>\r\n <\/h3> \r\n \r\n
<\/div> \r\n \r\n \r\n \r\n \r\n \r\n \n
<\/div>\n
\r\n \r\n VOIR L'OFFRE<\/a> \r\n \r\n <\/div>\r\n \r\n <\/span> <\/div>\r\n
\r\n
\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>0<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div>\r\n
\r\n \n\t€<\/span>2.90<\/bdi><\/span><\/span>\n \r\n <\/div> \r\n <\/div> \r\n <\/div>\r\n\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t \r\n \r\n
\r\n
\r\n
\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>1<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div> \r\n
\r\n \r\n \"Vivid \r\n \r\n <\/a>\r\n \r\n <\/figure>\r\n <\/div>\r\n
\r\n
\r\n
\r\n
\r\n 8.9<\/span><\/span>\r\n <\/div> \r\n <\/div> <\/div> \r\n

\r\n N\u00e9obanque Vivid Money : Test complet et avis 2024 en France. Tarifs, frais, cashback, d\u00e9claration imp\u00f4ts<\/a>\r\n <\/h3> \r\n \r\n
<\/div> \r\n \r\n \r\n \r\n \r\n \r\n \n
<\/div>\n
\r\n \r\n <\/div>\r\n \r\n <\/span> <\/div>\r\n
\r\n
\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>1<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div>\r\n
\r\n \n\tFree!<\/span><\/span>\n \r\n <\/div> \r\n <\/div> \r\n <\/div>\r\n\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t \r\n \r\n
\r\n
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\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>1<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div> \r\n
\r\n \r\n \"logo \r\n \r\n <\/a>\r\n \r\n <\/figure>\r\n <\/div>\r\n
\r\n
\r\n
\r\n
\r\n 8.8<\/span><\/span>\r\n <\/div> \r\n <\/div> <\/div> \r\n

\r\n Pixpay avis France (2024) : tout savoir sur la carte Pixpay<\/a>\r\n <\/h3> \r\n \r\n
<\/div> \r\n \r\n \r\n \r\n \r\n \r\n \n
<\/div>\n
\r\n \r\n <\/div>\r\n \r\n <\/span> <\/div>\r\n
\r\n
\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>1<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div>\r\n
\r\n \n\t€<\/span>2.99<\/bdi><\/span><\/span>\n \r\n <\/div> \r\n <\/div> \r\n <\/div>\r\n\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t \r\n \r\n
\r\n
\r\n
\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>0<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div> \r\n
\r\n \r\n \"Revolut \r\n \r\n <\/a>\r\n \r\n <\/figure>\r\n <\/div>\r\n
\r\n
\r\n
\r\n
\r\n 8.7<\/span><\/span>\r\n <\/div> \r\n <\/div> <\/div> \r\n

\r\n N\u00e9obanque Revolut avis (2024) en France – tarifs, d\u00e9claration imp\u00f4ts<\/a>\r\n <\/h3> \r\n \r\n
<\/div> \r\n \r\n \r\n \r\n \r\n \r\n \n
<\/div>\n
\r\n \r\n Buy product<\/a> \r\n \r\n <\/div>\r\n \r\n <\/span> <\/div>\r\n
\r\n
\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>0<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div>\r\n
\r\n \n\tFree!<\/span><\/span>\n \r\n <\/div> \r\n <\/div> \r\n <\/div>\r\n\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t \r\n \r\n
\r\n
\r\n
\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>0<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div> \r\n
\r\n \r\n \"Curve \r\n \r\n <\/a>\r\n \r\n <\/figure>\r\n <\/div>\r\n
\r\n
\r\n
\r\n
\r\n 8.6<\/span><\/span>\r\n <\/div> \r\n <\/div> <\/div> \r\n

\r\n Curve carte avis (2024) : le guide ultime et avis complet<\/a>\r\n <\/h3> \r\n \r\n
<\/div> \r\n \r\n \r\n \r\n \r\n \r\n \n
<\/div>\n
\r\n \r\n Buy product<\/a> \r\n \r\n <\/div>\r\n \r\n <\/span> <\/div>\r\n
\r\n
\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>0<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div>\r\n
\r\n \n\tFree!<\/span><\/span>\n \r\n <\/div> \r\n <\/div> \r\n <\/div>\r\n\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t \r\n \r\n
\r\n
\r\n
\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>0<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div> \r\n
\r\n \r\n \"Logo \r\n \r\n <\/a>\r\n \r\n <\/figure>\r\n <\/div>\r\n
\r\n
\r\n
\r\n
\r\n 8.6<\/span><\/span>\r\n <\/div> \r\n <\/div> <\/div> \r\n

\r\n OnlyOne avis (2024) : une banque \u00e9cologique<\/a>\r\n <\/h3> \r\n \r\n
<\/div> \r\n \r\n \r\n \r\n \r\n \r\n \n
<\/div>\n
\r\n \r\n <\/div>\r\n \r\n <\/span> <\/div>\r\n
\r\n
\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>0<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div>\r\n
\r\n \n\t€<\/span>3.00<\/bdi><\/span><\/span>\n \r\n <\/div> \r\n <\/div> \r\n <\/div>\r\n\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t \r\n \r\n
\r\n
\r\n
\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>0<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div> \r\n
\r\n \r\n \"Wise \r\n \r\n <\/a>\r\n \r\n <\/figure>\r\n <\/div>\r\n
\r\n
\r\n
\r\n
\r\n 8.6<\/span><\/span>\r\n <\/div> \r\n <\/div> <\/div> \r\n

\r\n Wise : avis et guide ultime France (2024)<\/a>\r\n <\/h3> \r\n \r\n
<\/div> \r\n \r\n \r\n \r\n \r\n \r\n \n
<\/div>\n
\r\n \r\n Buy product<\/a> \r\n \r\n <\/div>\r\n \r\n <\/span> <\/div>\r\n
\r\n
\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>0<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div>\r\n
\r\n \n\tFree!<\/span><\/span>\n \r\n <\/div> \r\n <\/div> \r\n <\/div>\r\n\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t \r\n \r\n
\r\n
\r\n
\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>1<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div> \r\n
\r\n \r\n \"n26\" \r\n \r\n <\/a>\r\n \r\n <\/figure>\r\n <\/div>\r\n
\r\n
\r\n
\r\n
\r\n 8.5<\/span><\/span>\r\n <\/div> \r\n <\/div> <\/div> \r\n

\r\n N\u00e9o-banque N26 avis (2024) en France – frais, cr\u00e9dits, cartes<\/a>\r\n <\/h3> \r\n \r\n
<\/div> \r\n \r\n \r\n \r\n \r\n \r\n \n
<\/div>\n
\r\n \r\n <\/div>\r\n \r\n <\/span> <\/div>\r\n
\r\n
\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>1<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div>\r\n
\r\n \n\tFree!<\/span><\/span>\n \r\n <\/div> \r\n <\/div> \r\n <\/div>\r\n\t\t\t\t\t \r\n\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t \r\n \r\n
\r\n
\r\n
\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>1<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div> \r\n
\r\n \r\n \"La \r\n \r\n <\/a>\r\n \r\n <\/figure>\r\n <\/div>\r\n
\r\n
\r\n
\r\n
\r\n 8.5<\/span><\/span>\r\n <\/div> \r\n <\/div> <\/div> \r\n

\r\n Guide ultime de la banque Wirex : \u00c0 lire avant de cr\u00e9er un compte<\/a>\r\n <\/h3> \r\n \r\n
<\/div> \r\n \r\n \r\n \r\n \r\n \r\n \n
<\/div>\n
\r\n \r\n Buy product<\/a> \r\n \r\n <\/div>\r\n \r\n <\/span> <\/div>\r\n
\r\n
\r\n
\r\n
Added to wishlist<\/span>Removed from wishlist<\/span> <\/span><\/span>1<\/span> <\/div> \r\n <\/div>\r\n
\r\n
<\/i><\/span><\/div> <\/div>\r\n \r\n \r\n <\/i>Add to compare<\/span><\/span> \r\n <\/span>\r\n \r\n <\/div>\r\n
\r\n \n\tFree!<\/span><\/span>\n \r\n <\/div> \r\n <\/div> \r\n <\/div>\r\n\t\t\t\t\t \r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t \r\n\t\t\t\t
Show next<\/span><\/div> \r\n\t\t\t\t\t\t\t<\/div> \r\n\t\t\t\t\t<\/div>\r\n\t \r\n\t
<\/div>\r\n\r\n<\/div>\n\n\n\n

Les n\u00e9obanques sont des \u00e9tablissements financiers du secteur FinTech, qui offrent des services bancaires exclusivement en ligne, appel\u00e9s “banques en ligne”. Cela signifie que ces banques en ligne n’ont pas de filiales et que l’inscription n’est g\u00e9n\u00e9ralement possible qu’en ligne. Parmi les avantages sp\u00e9cifiques de ces n\u00e9obanques, citons par exemple les virements internationaux \u00e0 faible co\u00fbt, les comptes bancaires internationaux (comptes courants, SEPA) pour les voyageurs, les petites entreprises internationales ou les ind\u00e9pendants, ou encore la facilit\u00e9 d’obtention de cartes de d\u00e9bit gratuites.<\/p>\n\n\n\n\n\n\n

Les banques exclusivement virtuelles, \u00e9galement connues sous le nom de n\u00e9obanques, de banques en ligne ou de banques rivales, recueillent beaucoup d’argent pour concurrencer les banques traditionnelles non seulement sur les march\u00e9s d\u00e9velopp\u00e9s mais \u00e9galement dans le monde entier.<\/p>\n\n\n\n

Ces banques en ligne prennent d’assaut le secteur bancaire, enregistrant chaque jour des milliers de jeunes clients gr\u00e2ce \u00e0 leur service client\u00e8le excellent, leurs interfaces conviviales, leurs frais de transaction limpides, leurs prix comp\u00e9titifs, leurs statistiques de d\u00e9penses, et m\u00eame des stories d\u2019Instagram…<\/p>\n\n\n\n

Il a \u00e9t\u00e9 d\u00e9montr\u00e9 que les banques en ligne (ou les banques num\u00e9riques\/n\u00e9o-banques) sont actuellement le secteur qui conna\u00eet la plus forte croissance parmi les start-ups fintech, et qu’il continue \u00e0 gagner en popularit\u00e9 dans le monde entier avec l’arriv\u00e9e de nouveaux op\u00e9rateurs sur le march\u00e9 chaque mois.<\/p>\n\n\n\n

C’est pourquoi il est vital de d\u00e9terminer quelles sont les meilleures banques en ligne en 2021.<\/p>\n\n\n\n

Dans notre \u00e9tude comparative des banques en ligne, nous montrons les caract\u00e9ristiques essentielles des meilleures n\u00e9obanques dans ce domaine, et nous avons compil\u00e9 les meilleures banques en ligne du march\u00e9 \u00e0 ne pas perdre de vue – vous trouverez donc la meilleure des solutions n\u00e9obanques pour vos besoins bancaires en un coup d’\u0153il.  Jetez un coup d’\u0153il !<\/p>\n\n\n\n

Que sont exactement les N\u00e9obanques ?<\/h2>\n\n\n\n

Le monde passionnant de la finance fait de plus en plus de progr\u00e8s en mati\u00e8re d’innovation technologique, avec l’intention d’offrir des services plus simples, plus rapides et plus s\u00fbrs \u00e0 un groupe croissant de citoyens du monde num\u00e9rique.<\/p>\n\n\n\n

Le nouveau client d’aujourd’hui effectue g\u00e9n\u00e9ralement la majorit\u00e9 de ses transactions financi\u00e8res \u00e0 distance, c’est-\u00e0-dire via les plateformes virtuelles des \u00e9tablissements financiers.<\/p>\n\n\n\n

La banque en ligne, la banque sur Internet ou la banque \u00e0 distance implique l’acc\u00e8s \u00e0 divers services financiers qui sont offerts num\u00e9riquement au lieu de se rendre dans des \u00e9tablissements financiers physiques. Ce mode de fonctionnement virtuel permet aux clients d’accorder des pr\u00eats, d’effectuer divers paiements et de consulter leurs relev\u00e9s bancaires \u00e0 distance.<\/p>\n\n\n\n

La cr\u00e9ation d’une banque en ligne est plus compliqu\u00e9e que le simple transfert de biens et de services d’un bureau vers un site web. Le mod\u00e8le commercial est enti\u00e8rement diff\u00e9rent, et il existe d\u00e9j\u00e0 des n\u00e9obanques, c’est-\u00e0-dire des \u00e9tablissements bancaires en ligne qui proposent des produits et des services qui ne sont pas disponibles dans une banque traditionnelle.<\/p>\n\n\n\n

Les premiers comptes pour smartphones ont \u00e9t\u00e9 cr\u00e9\u00e9s par des “Fintechs”, de jeunes entreprises qui r\u00e9unissent le monde de la finance et de la technologie. Elles se nomment N26, Transferwise, Bunq, ou Revolut et n’ont pour but que de relancer le march\u00e9 bancaire.<\/p>\n\n\n\n

Les n\u00e9obanques pr\u00e9sentent de nombreux avantages exclusifs pour leurs utilisateurs par rapport aux banques traditionnelles.<\/p>\n\n\n\n

Quels sont les avantages d’une banque num\u00e9rique ?<\/h2>\n\n\n\n

L’utilisation d’une banque num\u00e9rique pr\u00e9sente plusieurs avantages. En voici quelques-uns :<\/p>\n\n\n

  • Ils peuvent comprendre vos habitudes. Les applications bancaires num\u00e9riques disposent de fonctions d’analyse des d\u00e9penses qui permettent de d\u00e9terminer o\u00f9 va votre argent. Vous pouvez y trouver une classification automatique des d\u00e9penses, des notifications, des alertes et des bulletins mensuels.<\/li>
  • Vous pouvez les synchroniser avec votre budget. Utilisez l’analyse des d\u00e9penses pour \u00e9tablir des budgets et pour suivre les avanc\u00e9es. L’application peut vous permettre de fixer des objectifs et des limites de d\u00e9penses afin de rendre plus difficile toute tentative de d\u00e9rapage.<\/li>
  • Les d\u00e9placements. Certaines banques num\u00e9riques peuvent faciliter les voyages en proposant plusieurs devises \u00e0 la fois, en \u00e9vitant les frais de distributeurs automatiques internationaux ou de devises \u00e9trang\u00e8res et en verrouillant ou d\u00e9verrouillant votre carte en cas de perte ou de vol.<\/li>
  • L’\u00e9pargne automatis\u00e9e. Certaines banques num\u00e9riques donnent la priorit\u00e9 \u00e0 la possibilit\u00e9 de mettre de l’argent de c\u00f4t\u00e9. Par exemple, en arrondissant les transactions au dollar pr\u00e8s et en envoyant la diff\u00e9rence sur votre compte d’\u00e9pargne.<\/li><\/ul><\/div>\n\n\n

    Quels sont les inconv\u00e9nients d’une banque num\u00e9rique ?<\/h2>\n\n\n\n

    Les banques num\u00e9riques ne r\u00e9pondront pas aux attentes de tous les publics. Avant d’ouvrir un compte, r\u00e9fl\u00e9chissez \u00e0 ces possibles inconv\u00e9nients :<\/p>\n\n\n

    • Pas d’aide en personne. Si vous cherchez \u00e0 vous y retrouver dans un plan financier complexe avec l’aide d’un professionnel, vous devrez peut-\u00eatre vous en tenir \u00e0 une configuration plus traditionnelle.<\/li>
    • Des offres plus petites de services. Alors que les g\u00e9ants de l’industrie proposent des pr\u00eats, des hypoth\u00e8ques et des comptes d’investissement, les banques num\u00e9riques ont tendance \u00e0 se sp\u00e9cialiser dans les comptes ch\u00e8ques et l’\u00e9pargne.<\/li>
    • La compatibilit\u00e9 peut \u00eatre limit\u00e9e. Assurez-vous que votre smartphone puisse lire la banque num\u00e9rique de votre choix, car il se peut que tous les syst\u00e8mes d’exploitation ne soient pas pris en charge.<\/li>
    • D\u00e9pendance technique. Les difficult\u00e9s techniques pourraient vous emp\u00eacher d’acc\u00e9der \u00e0 vos finances personnelles et de les g\u00e9rer, ce qui pourrait repr\u00e9senter un risque trop important pour certains.<\/li><\/ul><\/div>\n\n\n

      Les autres avantages des banques en ligne<\/h2>\n\n\n\n

      L’expansion croissante des banques en ligne dans le monde entier s’explique en partie par les avantages qu’elles offrent par rapport \u00e0 la banque traditionnelle. Les avantages que nous pouvons trouver lorsque nous sommes clients d’une banque en ligne sont particuliers :<\/p>\n\n\n

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