Updated September 28, 2026 · VaultCue Editorial Team
Alipay vs Fortuneo
Alipay
Fortuneo
Higher score in this comparison
Where Alipay and Fortuneo differ
| Compare | AlipayReviewSee alternativesSee alternatives | FortuneoReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | CN¥0 | €0 |
| Transfer fee | 3% over RMB 200 | 0 EUR (instant SEPA transfers free) |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Currency conversion fee | Not confirmed | 0% |
| Currencies | 18 | Not confirmed |
| Local account details | Not confirmed | IBAN |
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Key differences
- Fortuneo scores higher overall: 9.2 vs 9.0.
- Founded is lower at Fortuneo: 2000 vs 2004.
- Support channels: only Fortuneo offers Phone, Chat, Help centre.
- Features: only Fortuneo offers Joint account, Free ATM.
Our verdict on each
Alipay
Alipay suits travellers who need to pay and send money in China and want a wallet with a monthly fee of CNY 0, taking an overall score of 7.3. Money is held free of charge, but transfers carry 3% over RMB 200 and support runs on email only.
Fortuneo
Fortuneo suits anyone in France who wants easy-access savings that earn a variable rate without a monthly charge. Arkea Direct Bank runs it under ACPR and ORIAS, savings sit under EU DGS up to EUR 100,000, and a 5% headline rate beats the site median of 3%.
Score breakdown
| Area | Alipay | Fortuneo |
|---|---|---|
| Cost | 9.3HigherMonthly fee of CNY 0 to hold the account, with transfers costed at 3% over RMB 200. | 8.8No monthly fee of €0 on savings, a currency conversion fee of 0%, transfers at 0 EUR (instant SEPA transfers free). |
| Offer | 8.9Covers 18 currencies and pays out to a bank or a wallet from a digital only account. | 9.7HigherA variable headline rate of 5% on an easy-access account, with joint account and free ATM withdrawal features. |
| Trust | 8.9 | 9.3Higher |
How they place
| Ranking | Alipay | Fortuneo |
|---|---|---|
| Online banks | 94 of 402 | 50 of 402 |
Every fact side by side
| Fact | Alipay | Fortuneo |
|---|---|---|
| Audience | Travelers | Travelers |
| Pricing model | No monthly fee | No monthly fee |
| Features | Digital only | Joint account, Digital only, Free ATMCovers more |
| Legal entity | Alipay (Hangzhou) Technology Co. Ltd | Arkea Direct Bank |
| Headquarters | China | France |
| Founded | 2004 | 2000Lower |
| Support channels | Phone, Email, Chat, Help centreCovers more |
Money transfer
| Fact | Alipay | Fortuneo |
|---|---|---|
| Delivery time | Within minutes (bank-to-wallet) | Not confirmed |
| Payout methods | Bank, Wallet | Not confirmed |
| Fee to send 1,000 | CN¥0 | Not confirmed |
Where each stands against the rest
| Fact | Alipay | Fortuneo | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 0%below the median | 0.5% |
| Currencies | 18highest quarter | Not confirmed | 5 |
Median across 536 listed accounts.
Pros and cons
Alipay
Pros
- Monthly fee of CNY 0 puts it 1 of 500 brands on this measure.
- Currency reach of 18 sits above the 5 median for multi-currency accounts.
- Payouts reach a bank or a wallet, and bank-to-wallet remittances land within minutes.
Cons
- Transfer charges apply: the quoted transfer fee is 3% over RMB 200.
- Support runs on email only, so a blocked payment has to be chased in writing.
- Currency reach is mid table: 18 currencies ranks 62 of 379.
Fortuneo
Pros
- No monthly fee of €0 on the savings account, matching the site median of €0.
- A variable headline rate of 5% against a site median of 3%.
- Savings under EU DGS up to EUR 100,000, with Arkea Direct Bank regulated by ACPR and ORIAS.
Cons
- The rate is variable, so 5% can move rather than being locked in.
- Interest is credited annually, so credited growth shows up on the annual cycle rather than monthly.
- A branch counter is not among the features listed as joint account, digital only and free atm, so banking runs through the app.
Who each suits
Alipay
Who it suits
- Travellers heading to China who want to pay and send money from a phone.
- Anyone who wants a wallet with a monthly fee of CNY 0 and 18 currencies.
- People already paying in China who also need to receive money from abroad.
Who should look elsewhere
- PayPal Colombia, if a wallet in US dollars suits you better than paying in renminbi, with a monthly fee of $0.
- Skrill, if you would rather hold euros in one account than carry 18 currencies.
- eToro, if you want everyday money on a trading platform, whose monthly fee is £0, rather than a payments wallet.
Fortuneo
Who it suits
- People in France keeping money accessible day to day while it earns interest.
- Travellers who convert currency, with a 0% currency conversion fee.
- Couples who want to hold a joint account.
Who should look elsewhere
- Anyone wanting a fixed rate, since the rate is variable.
- Anyone who needs a branch, as the account is digital-only.
- People who need monthly interest, as interest is credited annually.
Current offers
Fortuneo
Current offer
Bonus
EUR 80 for a first deposit account with Gold Mastercard: 80 EUR
First opening of a deposit account with Gold Mastercard, 5 payments within 90 days, welcome offer code BIENVENUEFTO
Source, checked September 26, 2026
Country by country
| Country | Alipay | Fortuneo |
|---|---|---|
| France | No | Yes |
Questions about each
Alipay
Does Alipay charge a monthly fee?+
The monthly fee is CNY 0, so there is nothing to pay for keeping the account open. That puts Alipay alongside PayPal Colombia, Skrill and eToro, whose monthly fees are $0, €0 and £0.
What does it cost to send or top up money?+
Transfer pricing is where the cost sits. The quoted transfer fee is 3% over RMB 200, and the consumer side fee is CNY 0. Since the account costs nothing to hold, the amount you send matters more than how often you send it, and the threshold is worth checking before a large transfer.
Fortuneo
What is the headline rate on Fortuneo savings?+
The savings account pays a variable headline rate of 5%, above the site median of 3%. Because the rate is variable it can move, so the credited amount is not fixed in advance. Interest is credited annually.
Is there a monthly fee?+
No. The monthly fee is €0, the same as the site median of €0. Fortuneo runs a no-monthly-fee model, which is the most common model in this category on the site.
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