France
BforBank
Crédit Agricole’s online bank. ACPR credit institution. FGDR. French IBAN, bank code 16218.
7.1Solid
activeNeobank
- HQ
- Paris
- Fee
- BforBASIC often €0 — confirm live; paid SKUs exist
Monabanq
Cofidis / Crédit Mutuel Alliance Fédérale online bank. ACPR. FGDR. Not an EMI.
Tap a star to jump to reviews
7.0Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Online bank — Monabanq (Cofidis Group / Crédit Mutuel Alliance Fédérale) (ACPR / Banque de France / ECB). Still read the entity on the statement.
If it fails?
FGDR up to €100,000 — Monabanq is a Crédit Mutuel Alliance Fédérale bank. Shared-group cap maths apply. Do not double-count with other CM / Cofidis deposits.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Account packs — confirm live
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
7.0
/10 · Solid
Monabanq is a Crédit Mutuel Alliance Fédérale online bank, sold through Cofidis Group. ACPR. FGDR up to €100,000. Founded 2006 — older than the word neobank. BforBank is Crédit Agricole. L by LCL Pro is LCL. Three French digital banks, three group caps. Directories dump it next to N26. N26 is German EdB. This is FGDR at a CM-group credit institution.
What it is
Villeneuve-d'Ascq. Remote-only from birth. ‘Élu Service Client de l’Année’ is the billboard. The licence is the review.
Best for: France residents who want a remote-first CM-group current account with a human support pitch.
Last checked 2026-08-30. Not advice.
What it does well
- +Named ACPR bank
- +FGDR
- +Support trophies are the religion
- +Not BforBank’s CA group
What to watch
- −France-resident
- −Shared FGDR cap with CM / Cofidis
- −Pack fees
- −Not a travel FX champion
Who holds the money
The account
- Partner bank
- Crédit Mutuel Alliance Fédérale
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- IBAN / SEPA
- Built for
- Personal
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Monabanq lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
FGDR up to €100,000 — Monabanq is a Crédit Mutuel Alliance Fédérale bank. Shared-group cap maths apply. Do not double-count with other CM / Cofidis deposits.
Who holds the money: Monabanq (Cofidis Group)
- ACPR / Banque de France / ECBOnline bank — Monabanq (Cofidis Group / Crédit Mutuel Alliance Fédérale) · France
Fees
- Monthly
- Account packs — confirm live
- FX markup
- Bank tariff
- ATM
- CM network
- Interest
- Savings SKUs — rates move
Features
- ✓IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- French IBAN
- Online current + credit
- FGDR
- Élu Service Client de l’Année streak
- Cofidis group
Score
- Safety25%
- 8.4
- Fees20%
- 7.0
- Features15%
- 7.2
- App15%
- 7.4
- Global15%
- 3.2
- Support10%
- 8.2
Change log
Full logLicence
Cofidis / Crédit Mutuel Alliance Fédérale online bank
ACPR. FGDR. Shared CM cap. Older than the word neobank.
Available in
Straight answers
FAQ
01Is Monabanq a bank?
Monabanq holds a banking-style licence (ACPR / Banque de France / ECB). Still read the legal entity on the statement, not the app icon.
02How is money protected?
FGDR up to €100,000 — Monabanq is a Crédit Mutuel Alliance Fédérale bank. Shared-group cap maths apply. Do not double-count with other CM / Cofidis deposits.
03Where is Monabanq available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Monabanq.
04Card and wallets?
Monabanq lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Monabanq remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
Alternatives
activeBusiness banking
- HQ
- Lyon / Paris
- Fee
- €9 HT / month — waived for LCL individual clients on launch copy
activeFeaturedNeobankCrypto card
- HQ
- London
- Fee
- Free