What it does
Monabanq offers paid French online current-account packages for adults living in France, with individual and joint options. Pratiq+, Uniq and Uniq+ have different payment limits and travel-related services. The range is offered without an income condition, but identity, address and account-approval checks still apply.
Three current-account packages
| Package | Advertised monthly price | Listed card-payment limit |
|---|---|---|
| Pratiq+ | €3.90 | €1,500 |
| Uniq | €6 | €3,000 |
| Uniq+ | €12 | €5,000 |
Monabanq says limits can be increased according to income. Uniq+ includes additional overseas withdrawal, payment and transfer services. Card upgrades and a second card for a joint account can change the total cost.
Who can apply?
The current-account terms require adult individuals residing in France and acting outside a professional activity. Applications are subject to Monabanq’s decision and the required identity and address checks; restrictions also apply to applicants prohibited from issuing cheques.
Choose a package on the current-account page, complete the application and provide the requested documents. An initial deposit is required to activate the account. It stays in the account and can be used after opening, rather than being an application fee.
Strengths
- Offers both individual and joint current accounts.
- The range is advertised without an income requirement.
Watch out for
- All three listed current-account packages have monthly fees.
- The account is for adults resident in France and cannot serve professional activity.
- A second joint-account card or an upgraded card can add a monthly charge.
Best for
- People comparing individual and shared French online accounts
Sources
- Monabanq : la banque en ligne qui fait passer les gens avant l'argent (Oct 25, 2026)
- Monabanq individual current-account packages (Oct 27, 2026)
- Monabanq current-account terms (Oct 27, 2026)
- Monabanq account-opening questions (Oct 27, 2026)