What BoursoBank Actually Charges You
BoursoBank charges nothing for the account, the cards or the transfers, which is exactly the comparison traditional banks hope you never make. The catch list is short but real: leave the Ultim card unused and it bills €9 a month.
Last checked: June 11, 2026 • Official website
The fee schedule, decoded
| Fee | What they take | The fine print |
|---|---|---|
| Account maintenance | €0 | No account maintenance fee, per the brochure in force 15 April 2026. The commission d'intervention is also €0. |
| Cards | €0 with conditions | The Welcome card is free with no usage condition for cards ordered from 27 February 2026. The physical Ultim card is free if you make at least one card payment per month, otherwise €9 that month; the Metal card costs €9.90 per month. |
| ATM withdrawals | €0 in euros | All euro ATM withdrawals are free, at any bank's machine. |
| Foreign exchange | 1.69% | Card payments in foreign currency are free with Welcome and Ultim. Non-euro ATM withdrawals: 3 free per month with Ultim and 1 with Welcome, then 1.69% per withdrawal. |
| Overdraft | 7%/year | Nominal rate on the authorized overdraft; an unauthorized overdraft runs at 16% per year. There is no commission d'intervention and agios under €1 per quarter are not collected. |
| Transfers | €0 | SEPA transfers and instant transfers are free, both occasional and standing. |
Questions people actually ask
The account, euro withdrawals, SEPA and instant transfers and the Welcome card cost €0. The main condition sits on the physical Ultim card, which bills €9 in any month without a single card payment.
€9 per month on the physical Ultim card if you make no card payment that month. The Welcome card has no usage condition for cards ordered from 27 February 2026, and the dematerialized Ultim is also unconditional.
Card payments in any currency are free. Non-euro ATM withdrawals are free 3 times per month with Ultim and once with Welcome, then cost 1.69% each.
7% per year on an authorized overdraft and 16% on an unauthorized one, with no commission d'intervention. Compare that with the €8 per incident the big branch networks charge.
Yes. It is a subsidiary of Société Générale and deposits are covered up to €100,000 by the French FGDR guarantee scheme.
Sources
Every number above comes from the bank's own documents.
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