Country hub / France
Financial apps and digital money services in France.
Eight approved records span a French bank, a French payment institution, German, Dutch and Lithuanian bank deposits, Belgian safeguarding, Luxembourg electronic money and MiCA crypto services. Start with the legal holder of the money.
Direct answer
BoursoBank is the direct FGDR bank-deposit record in this set.
Nickel is a payment institution with segregated funds. N26, bunq and Revolut use German, Dutch and Lithuanian home-state deposit schemes. Wise safeguards funds, PayPal holds electronic money and Coinbase provides crypto services.
Product classification
FGDR, another EU deposit scheme, safeguarding and MiCA are different records.
France coverage resolves the legal entity and protection mechanism before comparing features.
French bank deposit
Boursorama's eligible deposits use FGDR.
EU home-state bank
N26, bunq and Revolut keep German, Dutch and Lithuanian schemes.
Payment funds
Nickel segregation, Wise safeguarding and PayPal e-money stay distinct.
Crypto services
Coinbase MiCA authorisation is not deposit insurance.
Verified FR comparison
Change the job, not the evidence.
These controls only reorder approved market records. Legal entity, product class, protection wording, source date and confidence stay fixed.
Bank deposits: Prioritises direct deposits while preserving French, German, Dutch and Lithuanian scheme boundaries.
| Provider | Product type | Market status | Legal entity | Protection model | Evidence | Compare |
|---|---|---|---|---|---|---|
| BoursoBankA French digital current account with cards, savings and wider banking products. | french credit institution digital bank | available with residency identity acceptance and product conditions | Boursorama | Eligible deposits sit at French credit institution Boursorama under FGDR.The EUR 100,000 limit aggregates eligible deposits at Boursorama; cards, investments, credit and promotions have separate terms. | 4 source records | |
| N26Mobile banking with free and paid plans plus separate savings and investment products. | german bank passported into france | available with residency identity and product conditions | N26 Bank SE | Eligible deposits aggregate at N26 Bank SE under the German statutory scheme.France availability does not create FGDR coverage; investments and crypto are separate from the deposit account. | 5 source records | |
| bunqPlan-based personal or business mobile banking with French IBAN availability. | dutch bank passported into france | available with identity plan and product conditions | bunq B.V. | Eligible deposits aggregate at bunq B.V. under the Dutch Deposit Guarantee.A French IBAN does not move bunq deposits into FGDR or create a separate protection limit. | 8 source records | |
| RevolutBanking, cards and currency tools under a French-branch account boundary. | lithuanian bank french branch | available with branch account and product conditions | Revolut Bank UAB through Revolut France, its French branch, where applicable | Eligible deposits aggregate at Revolut Bank UAB under Lithuania's scheme.The applicable contract depends on the account; French branch service does not create FGDR coverage for the deposit. | 5 source records | |
| NickelA French payment account, IBAN, card and cash-access network without an overdraft. | french payment institution payment account | available with identity age residence and product conditions | Financiere des Paiements Electroniques | Customer funds are segregated from FPE funds in a BNP Paribas safeguarding account.Nickel is a payment institution, not a bank; the safeguarding arrangement is not a direct ordinary BNP Paribas deposit account. | 4 source records | |
| WiseMulticurrency holding, receiving, card and international transfers. | belgian payment institution and multicurrency account | available with customer route and product conditions | Wise Europe SA | Wise Europe SA safeguards ordinary customer funds separately from operating money.Safeguarding is not FGDR; Interest and Stocks are separate capital-at-risk investments. | 6 source records | |
| PayPalOnline checkout, transfers and merchant payment workflows. | luxembourg credit institution electronic money wallet | available with personal business and transaction conditions | PayPal (Europe) S.a r.l. et Cie, S.C.A. | The PayPal balance is electronic money under the Luxembourg entity's terms.PayPal says the balance is not a deposit or investment and is outside EEA deposit-guarantee schemes. | 1 source records | |
| CoinbaseBuying, selling, holding and transferring supported crypto assets. | mica crypto asset service and separate e money services | available with identity asset payment and mica conditions | Coinbase Luxembourg S.A. for crypto-asset services and Coinbase Ireland Limited for cited e-money services | Crypto and e-money services use separate Luxembourg and Irish entities.MiCA authorisation is not deposit insurance; assets, transfers, execution and fees remain conditional. | 3 source records |
BoursoBank
french credit institution digital bank- Market status
- available with residency identity acceptance and product conditions
- Legal entity
- Boursorama
- Product note
- BoursoBank is the banking brand of French credit institution Boursorama. Eligible deposits aggregate at the institution under the FGDR limit; cards, account opening, overdraft, savings, investment and promotional terms remain separate.
- Protection model
- Eligible deposits sit at French credit institution Boursorama under FGDR.The EUR 100,000 limit aggregates eligible deposits at Boursorama; cards, investments, credit and promotions have separate terms.
View legal and product sources
N26
german bank passported into france- Market status
- available with residency identity and product conditions
- Legal entity
- N26 Bank SE
- Product note
- N26 Bank SE holds eligible deposits under the German statutory scheme while N26 Crypto is separately priced and custodied by a Bitpanda entity. The current French product and support pages name different Bitpanda legal entities, so the exact crypto counterparty remains conflicting pending live contract confirmation.
- Protection model
- Eligible deposits aggregate at N26 Bank SE under the German statutory scheme.France availability does not create FGDR coverage; investments and crypto are separate from the deposit account.
View legal and product sources
bunq
dutch bank passported into france- Market status
- available with identity plan and product conditions
- Legal entity
- bunq B.V.
- Product note
- bunq B.V. holds eligible deposits under the Dutch Deposit Guarantee while its French integrated crypto guidance uses Kraken for verification, execution and custody. Deposits and crypto retain different entities, fees, risks and protection.
- Protection model
- Eligible deposits aggregate at bunq B.V. under the Dutch Deposit Guarantee.A French IBAN does not move bunq deposits into FGDR or create a separate protection limit.
View legal and product sources
Revolut
lithuanian bank french branch- Market status
- available with branch account and product conditions
- Legal entity
- Revolut Bank UAB through Revolut France, its French branch, where applicable
- Product note
- Revolut Bank UAB or its French branch holds eligible deposits under Lithuania's scheme, while Revolut Digital Assets Europe Ltd separately provides conditional MiCA crypto and Revolut X services. French branch treatment does not move RDAEL crypto into deposit protection.
- Protection model
- Eligible deposits aggregate at Revolut Bank UAB under Lithuania's scheme.The applicable contract depends on the account; French branch service does not create FGDR coverage for the deposit.
View legal and product sources
Nickel
french payment institution payment account- Market status
- available with identity age residence and product conditions
- Legal entity
- Financiere des Paiements Electroniques
- Product note
- Nickel is an ACPR-authorised payment institution providing a payment account, French IBAN and card. Customer funds are held separately in a BNP Paribas safeguarding account; Nickel is not reclassified as a bank or direct deposit account.
- Protection model
- Customer funds are segregated from FPE funds in a BNP Paribas safeguarding account.Nickel is a payment institution, not a bank; the safeguarding arrangement is not a direct ordinary BNP Paribas deposit account.
View legal and product sources
Wise
belgian payment institution and multicurrency account- Market status
- available with customer route and product conditions
- Legal entity
- Wise Europe SA
- Product note
- Wise Europe SA provides a safeguarded French payment account rather than a deposit. Outgoing account transfers to crypto platforms are unsupported and incoming payments remain narrowly conditional; Wise does not provide crypto custody for this account.
- Protection model
- Wise Europe SA safeguards ordinary customer funds separately from operating money.Safeguarding is not FGDR; Interest and Stocks are separate capital-at-risk investments.
View legal and product sources
PayPal
luxembourg credit institution electronic money wallet- Market status
- available with personal business and transaction conditions
- Legal entity
- PayPal (Europe) S.a r.l. et Cie, S.C.A.
- Product note
- PayPal's Luxembourg entity provides French personal and business payment accounts. The cited agreement defines balances as electronic money, not deposits or investments, and excludes deposit-guarantee protection.
- Protection model
- The PayPal balance is electronic money under the Luxembourg entity's terms.PayPal says the balance is not a deposit or investment and is outside EEA deposit-guarantee schemes.
View legal and product sources
Coinbase
mica crypto asset service and separate e money services- Market status
- available with identity asset payment and mica conditions
- Legal entity
- Coinbase Luxembourg S.A. for crypto-asset services and Coinbase Ireland Limited for cited e-money services
- Product note
- Coinbase Luxembourg S.A. provides MiCA-authorised crypto-asset services for French customers, while Coinbase Ireland Limited provides cited e-money services. Crypto assets are not bank deposits and all asset, transfer and fee conditions remain product-specific.
- Protection model
- Crypto and e-money services use separate Luxembourg and Irish entities.MiCA authorisation is not deposit insurance; assets, transfers, execution and fees remain conditional.
View legal and product sources
0 selected locally.No matching comparison is published
Protection boundary
EUR 100,000 follows the depositor and legal bank—not a French IBAN.
FGDR generally protects eligible deposits up to EUR 100,000 per depositor per French credit institution. That supports eligible deposits at Boursorama. N26, bunq and Revolut have similar headline limits under different home-state schemes.
Nickel's segregated account, Wise safeguarding, PayPal balances, investments and crypto assets do not become direct FGDR deposits.
FGDR deposit
Confirm institution, depositor, product and aggregate eligible accounts.
Home-state scheme
An EU passport or French IBAN does not change the legal bank's scheme.
Segregated or safeguarded
Customer-fund separation is materially different from a direct deposit.
E-money or crypto
Authorisation does not create a bank deposit or guarantee market value.
Eligibility
Residence, identity, age, product and acceptance change access.
BoursoBank retains onboarding and card acceptance conditions. Nickel has identity, age and residence rules. Every cross-border provider retains customer, business, account and verification conditions. Availability is not an approval promise.
Read the Revolut reviewRead the Wise reviewFee snapshot
Free entry plans do not make every transaction free.
BoursoBank Welcome, N26 Standard, bunq Free and Revolut Standard were listed without a base monthly fee when observed, subject to their conditions. Nickel Classic costs EUR 25 per year. Wise transfer and conversion pricing started from 0.47%. Cards, cash, FX, plans and previews control actual cost.
Payment rails
SEPA and SEPA Instant are market systems—not universal provider promises.
Banque de France records establish French infrastructure. Exact participation, product, direction, screening, limits and fees still need provider evidence.
SEPA
France market context. Confirm account support, direction, cut-off, screening, limits and current pricing.
SEPA Instant
France market context. Confirm account support, direction, cut-off, screening, limits and current pricing.
card
France market context. Confirm account support, direction, cut-off, screening, limits and current pricing.
Source ledger
Every material France claim keeps its entity, source and date.
Sources were observed on 12 July 2026 and require launch-time and material-change reverification.
BoursoBank France source drawer
BoursoBank is displayed as french credit institution digital bank in France.
- BoursoBank lists a French current account, cards, classic and instant transfers, savings, investments and credit with product-specific conditions.
- Welcome is listed without an income condition, Ultim physical-card pricing depends on monthly use, and Metal has a separate monthly price.
- Opening, cards, overdraft, promotions, products and limits remain subject to eligibility and acceptance.
- BoursoBank states that FGDR deposit protection covers eligible account and savings deposits up to EUR 100,000 per depositor per institution.
- Securities protection is a separate mechanism and limit and is not merged into the deposit claim.
- Eligibility and aggregation follow the legal institution and exact product.
- The official brochure states that the observed fees replace prior conditions from 15 April 2026.
- Account, card, transfer, cash, investment, credit and service fees use separate rows and conditions.
- The current product page and brochure must be checked together because cards, waivers and promotions can change.
- FGDR explains the general EUR 100,000 maximum for eligible deposits per depositor per credit institution.
- Accounts and commercial names at the same institution aggregate, while temporary high balances and exclusions use separate conditions.
- The limit does not by itself apply to payment accounts, safeguarded funds, electronic money, investments or crypto assets.
Nickel France source drawer
Nickel is displayed as french payment institution payment account in France.
- Nickel identifies Financiere des Paiements Electroniques as the provider and Nickel as its trade name.
- FPE is an ACPR-authorised payment institution under registration 16598 R, not a credit institution or bank.
- The legal classification remains separate from BNP Paribas group ownership or the safeguarding bank.
- The current terms define Nickel as a payment account without an authorised overdraft.
- Funding, cash, cheque, transfer, card, limits, suspension and eligibility conditions remain operation specific.
- A French IBAN and card do not reclassify the payment institution as a bank.
- Nickel says customer funds are held separately from its own funds in a segregated account at BNP Paribas.
- Its disclosure distinguishes recovery on Nickel failure from the cited deposit-scheme treatment if the safeguarding bank fails.
- The arrangement is not presented as each customer holding a direct ordinary BNP Paribas deposit account.
- Nickel Classic is listed with a EUR 25 annual account contribution and a card included.
- Cash deposits, withdrawals, foreign payments and My Nickel, Chrome and Metal options have separate charges.
- Pricing, allowances, eligibility and point-of-sale availability can change.
N26 France source drawer
N26 is displayed as german bank passported into france in France.
- The observed schedule lists Standard as free, Smart at EUR 4.90, Go at EUR 9.90 and Metal at EUR 16.90 per month.
- Cards, withdrawals, savings, PEA, investments, crypto, insurance and promotions have separate plan conditions.
- Investment and crypto products do not inherit deposit protection from the N26 bank account.
- N26 states that N26 Bank SE is a member of the Entschadigungseinrichtung deutscher Banken.
- Eligible deposits are protected up to EUR 100,000 per depositor under the statutory German scheme, subject to scheme rules.
- All eligible deposits held at N26 Bank SE aggregate for the limit; investment products are not converted into deposits.
- EdB describes statutory protection of eligible deposits up to EUR 100,000 per customer per member bank.
- Temporary higher-balance rules and depositor exclusions have separate statutory conditions and are not presented as a universal limit here.
- Membership and aggregation must be checked against the exact bank entity rather than an app or brand name.
- N26 says eligible French customers can access its integrated crypto product and identifies Bitpanda Asset Management GmbH as the separately authorised provider on this product page.
- The page lists standard fees of 1.5% for Bitcoin and 2.5% for other coins, a 3.5% low-liquidity exception and bounded Metal discounts, with the live preview controlling.
- Bitpanda supplies pricing and cold-storage custody; cryptoassets remain separate from N26 Bank SE deposits and German deposit-guarantee protection.
- The French support page says eligible customers can buy, sell and swap in-app and separately identifies Austrian Bitpanda GmbH as the digital-asset service provider.
- This partner-entity description differs from the French product page's Bitpanda Asset Management GmbH disclosure, so the exact counterparty is marked conflicting pending live contract confirmation.
- The page warns of volatility and total-loss risk and says country, regulatory and app-version eligibility can leave the feature unavailable.
bunq France source drawer
bunq is displayed as dutch bank passported into france in France.
- The observed comparison lists Free at EUR 0, Core at EUR 3.99, Pro at EUR 9.99 and Elite at EUR 18.99 per month.
- French IBAN availability, cards, account counts, withdrawals, exchange and business features vary by plan.
- French IBAN availability does not move eligible deposits out of the Dutch Deposit Guarantee.
- bunq's French-market terms identify bunq B.V. and retain Dutch Deposit Guarantee treatment for eligible verified accounts.
- Eligible deposits aggregate across bunq names at the same legal bank.
- Identity, account, savings, payment and product exclusions remain governed by current terms.
- DNB states that the Dutch Deposit Guarantee automatically protects eligible money in bank accounts up to EUR 100,000 per person per bank.
- Coverage follows the legal bank and aggregate eligible accounts, while exclusions and temporary high balances have separate conditions.
- Investments and crypto assets are not deposits protected by the Dutch scheme.
- DNB's scheme register provides the authoritative bank and trade-name lookup for Dutch Deposit Guarantee participation.
- The bunq query must be read with the account terms because brand variants do not create separate EUR 100,000 limits.
- German availability does not move a bunq deposit into the German EdB scheme.
- DNB identifies bunq B.V. as a Dutch bank with statutory seat in Amsterdam and lists bunq B.V., bunq.com and bunq as trade names of the same institution.
- The register includes acceptance of deposits, lending, payment services, means of payment, foreign exchange, securities-related and electronic-money activities under bunq B.V.'s record.
- A regulated activity in the register does not make every product available to every market, customer or plan and does not convert stocks or crypto into deposits.
- bunq states that customers must reside in a supported EEA country and have EEA tax residency rather than merely visiting Europe or holding an EEA address.
- The cited page says non-EEA tax residency, including United States or United Kingdom tax residency, does not currently satisfy account-opening eligibility.
- Residence, tax identification, identity, phone, verification, acceptance and product conditions remain separate gates.
- A verified bunq Personal account is required to open and access a Business account, and each additional director needs a separate verified Personal account.
- bunq says one person can create only one Personal account; the Personal plan can be switched to bunq Free when it is not otherwise used.
- A Personal-account login requirement does not merge personal and business ownership, fees, eligibility, cards, transactions or protection calculations.
- bunq's French guidance describes an in-app verification flow, trading from EUR 1 and Kraken execution and custody for supported cryptoassets.
- The observed plan fees are 1.99% for Free, 0.99% for Core, 0.49% for Pro and 0.25% for Elite, with the in-app preview controlling the transaction.
- Crypto value, spread, partner custody, asset support and any hold remain separate from bunq deposits and Dutch Deposit Guarantee treatment.
Revolut France source drawer
Revolut is displayed as lithuanian bank french branch in France.
- The terms distinguish direct Revolut Bank UAB customers from customers of Revolut France, its French branch.
- The applicable entity and account conditions depend on the customer's contract and account details.
- French branch service does not by itself establish FGDR coverage or protection for separate products.
- Eligible deposits held with Revolut Bank UAB are insured by Lithuania's Deposit and Investment Insurance up to EUR 100,000 per depositor.
- All eligible deposits at Revolut Bank UAB aggregate for the limit, including branch-serviced accounts.
- Electronic money, investments and excluded entities or products do not inherit this deposit coverage.
- The observed comparison lists Standard as free, Plus at EUR 3.99, Premium at EUR 10.99, Metal at EUR 18.99 and Ultra at EUR 60 per month as an introductory offer.
- Plan benefits, exchanges, cards, withdrawals, insurance, investments, crypto and promotions use separate conditions.
- The transaction preview and current fee terms control a specific operation.
- Revolut Digital Assets Europe Ltd operates Revolut X under cited MiCA-aligned trading rules for French customers.
- Asset admission, whitepapers, risk review, monitoring, settlement and delisting remain conditional and can change.
- RDAEL crypto services remain separate from Revolut Bank UAB or its French branch deposits and their Lithuanian deposit-insurance treatment.
- Revolut publishes plan- and trade-value-dependent minimum or variable crypto fees and says the rate, fee and total are displayed before exchange where possible.
- The crypto exchange rate remains variable, rolling-volume tiers and plan limits have separate conditions, and some transaction types use different fee treatment.
- The page observed on 13 July publishes separate current and scheduled-from-10-August-2026 treatments, so the transaction date and live authenticated terms must be matched.
- The current RDAEL terms and authenticated preview control rather than a static universal cost.
Wise France source drawer
Wise is displayed as belgian payment institution and multicurrency account in France.
- Wise lists its multicurrency account, EUR details, card and transfer features as available to eligible customers in France.
- Wise explicitly describes the account as not a bank account and points to safeguarding rather than bank-deposit protection.
- Currencies, receiving details, verification, routes and products remain conditional.
- The observed schedule lists free registration and holding, transfers and conversion from 0.47 percent, and a EUR 7 debit-card order charge.
- Withdrawals, SWIFT receipts, funding, currencies and routes use thresholds and separate fees.
- Interest and Stocks have separate annual fees and explicit capital risk.
- Wise identifies Wise Europe SA as an authorised payment institution supervised by the National Bank of Belgium for EEA services.
- A payment-institution authorisation is not a German bank licence and ordinary balances are not described as deposits.
- Exact services, customer type, route and separate investment entities remain market and product specific.
- Wise Europe says it safeguards customer funds separately from operating money using cash at named commercial banks and low-risk liquid assets.
- Wise explicitly says it is not a bank; safeguarding is not labelled German EdB or Belgian deposit insurance.
- Interest and Stocks are separate investment products with capital risk and must not inherit the ordinary-balance safeguarding description.
- Wise account cannot be used to send money to crypto exchanges such as Coinbase or Binance.
- Wise card policy differs and lawful card transactions may be supported by region.
- Outgoing account transfers to crypto platforms are not supported.
- Article names Coinbase among payments Wise cannot accept from in the described context.
PayPal France source drawer
PayPal is displayed as luxembourg credit institution electronic money wallet in France.
- The agreement updated 22 January 2026 identifies PayPal Europe as the provider for French personal and business accounts.
- It defines the PayPal balance as electronic money rather than a deposit or investment.
- It explicitly excludes Luxembourg or equivalent EEA deposit-guarantee and investor-compensation protection.
Coinbase France source drawer
Coinbase is displayed as mica crypto asset service and separate e money services in France.
- From 6 October 2025 the agreement contracts French customers with Coinbase Luxembourg for crypto services and Coinbase Ireland for cited e-money services.
- Coinbase Luxembourg lists CSSF MiCA and e-money-token authorisations, while Coinbase Ireland is regulated by the Central Bank of Ireland.
- Crypto assets, e-money, trading, custody and transfers retain separate legal and protection treatment.
- Coinbase says its Luxembourg entity received CSSF MiCA authorisation and France migrated on 6 October 2025.
- The disclosure separates crypto-asset services from cited e-money services.
- MiCA authorisation does not create bank status, FGDR coverage or universal asset availability.
- Advanced maker and taker fees depend on order type and the customer's current rolling trading-volume tier.
- The tier and preview must be checked before trading because pricing changes.
- Simple trades, spreads, network charges, staking and other services use separate fee treatment.
France regulator, protection and rail sources
- FGDR explains the general EUR 100,000 maximum for eligible deposits per depositor per credit institution.
- Accounts and commercial names at the same institution aggregate, while temporary high balances and exclusions use separate conditions.
- The limit does not by itself apply to payment accounts, safeguarded funds, electronic money, investments or crypto assets.
- Banque de France describes SEPA Instant as making funds available in under ten seconds on a 24/7 basis.
- Institutions can apply customer-specific maximums and security controls, and the payer must have sufficient funds.
- Market infrastructure does not establish every provider, product, direction, limit, fee or successful payment.
- Banque de France identifies CORE(FR) for domestic and SEPA instruments and SEPA(EU) for instant transfers in the French infrastructure.
- System oversight establishes market rails rather than a universal provider feature claim.
- Participation, product support, screening, limits, cut-offs and fees remain provider and transaction specific.
Unavailable or deliberately not inferred
- A universal winner, application outcome, permanent price or return.
- FGDR coverage for foreign-bank deposits, safeguarded funds, e-money, investments or crypto.
- Provider-level SEPA, instant transfer or card support beyond approved evidence.
- A partner safeguarding account as a direct customer bank deposit.