What it does
Fortuneo offers French online personal and joint banking, with virtual cards, card blocking and adjustable limits. Its Fosfo card has no income or savings requirement and is free when used for a card payment each month. Applicants must be adults with an existing bank account in France; the current account is not for professional use.
The Fosfo card’s free-use condition
Fosfo does not require a minimum income or savings balance. Its free-card condition is at least one card payment in each full calendar month. Cash withdrawals do not count, and an inactivity charge is collected the following month if no qualifying payment is made. For joint accounts with two cards, each card must meet the condition separately.
Fortuneo also offers Gold and World Elite cards. These have different income and use requirements, so Fosfo’s eligibility should not be applied to the whole range.
Apply on the app or website
For a new Fosfo application through the mobile app, Fortuneo asks for a video selfie and accepted identification, with no required initial deposit. Opening through the website instead requires a €50 initial deposit, which remains available in the account.
Virtual cards, card blocking and spending limits help manage card use once the account is open. This personal current account cannot be used as a business account.
Strengths
- Provides virtual cards and card blocking.
- Support channels include phone, email and chat.
Watch out for
- A card-use condition applies to Fosfo’s free pricing; cash withdrawals do not satisfy it.
- Each card on a joint account must meet its own use condition.
- Applicants need an existing French bank account, and professional use is excluded.
Best for
- Adults with a French bank account comparing online personal banking
- Customers who need virtual cards and direct card controls
Sources
- Banque en ligne gratuite | Fortuneo (Oct 25, 2026)
- Fortuneo Fosfo card and application details (Oct 27, 2026)
- Eligibility for a Fortuneo current account (Oct 27, 2026)
- Fortuneo card non-use charges (Oct 27, 2026)
- Fortuneo card eligibility conditions (Oct 27, 2026)