Moving to France and need a bank account? Forget the red tape, long waits, and paperwork nightmares. Enter Neobanks—the slick, digital-first financial providers that make opening an account as easy as downloading an app. Whether you’re a fresh arrival or just need an international-friendly banking option, here’s the lowdown on the best online banks in France.

Why Open a Neobank Account First?

Settling in France can feel like a never-ending admin marathon. Here’s the problem: You need a bank account to rent an apartment, get paid, and set up bills. But guess what? Many traditional banks won’t open an account without proof of residence—which you often can’t get without a bank account. See the vicious circle?


Solution: Open an account with a Neobank first. It’s fast, easy, and doesn’t require you to be fully settled yet. Later, once you’ve got your French life in order, you can switch to a classic bank for perks like savings plans and loans.

What Is a Neobank?

Neobanks are digital-only financial institutions that have been shaking up the banking scene since 2014. They offer real-time banking, minimal paperwork, and sleek mobile apps—all without the old-school bureaucracy of traditional banks. Think of them as the future of banking, available right now.

Neobank vs. Traditional Bank: Which One Do You Need?

It depends on what you’re after. Neobanks are perfect for:

  • Receiving and making payments
  • Managing everyday finances
  • Basic saving options
  • Playing around with stock trading or crypto (hello, Revolut!)
  • Traditional banks still have the edge when it comes to:
  • Loans and mortgages
  • Long-term investments
  • Comprehensive financial advice

Are Neobanks Safe?

Yes! But not all are created equal, so do your homework before signing up. Ask around—chances are, someone in your circle is already using one and can spill the tea on their experience.

Downsides of Neobanks

Neobanks aren’t perfect. Here’s what you need to keep in mind:
Most are registered abroad, which could have tax implications (check out our tax guide for details).
No physical branches, meaning no face-to-face help.
Some only offer customer support via chat, not phone.

The Best Neobanks for Expats in France

These online banks are English-friendly and popular among expats:

  • N26 (n26.com)
  • Revolut (revolut.com)
  • Wise (wise.com)

French-Language Neobanks

If you’re ready to navigate banking in French, check out these digital banks:

  • Orange Bank (orangebank.fr)
  • MaFrenchBank (mafrenchbank.fr)
  • CanB (canb.eu)
  • Nickel (nickel.eu)
  • Aumax (aumaxpourmoi.fr)
  • Helios (helios.do)
  • HelloBank! (hellobank.fr)
  • Lydia (lydia-app.com)
  • OnlyOne (onlyonecard.eu)
  • Pumpkin (pumpkin-app.co)

What About Traditional Banks?

Many classic French banks now have online banking options, but they still require in-person appointments and lots of paperwork. If you’re looking for a full breakdown of traditional banking options, check out our French Banks and Opening a Bank Account guide.


Final Verdict: Should You Get a Neobank Account?

If you’re new to France, absolutely yes—at least for the short term. It’s the easiest way to get your finances sorted without the headache. Once you’re settled, you can explore switching to a brick-and-mortar bank for additional perks.


Banking doesn’t have to be a nightmare. Go digital, skip the paperwork, and start enjoying your life in France ASAP!