Bling (formerly Penta) review

The account carries a monthly fee of €2.99. That is a fixed charge on an easy access account, not a rate that changes with your balance. The median monthly fee across the everyday accounts on this list is €0, so Bling is the more expensive end of the group.

Yes. Deposit protection runs to EU DGS up to EUR 100,000, and the prepaid balance is held on a separate account with the bank partner under the same statutory guarantee. The account is run by Bling Services GmbH, and the operation is supervised in France by the ACPR.

It is an easy access prepaid account rather than a savings account, bond or notice account. The account kind is easy access, which means you can reach the balance as needed instead of locking it away for a term.

You book the account monthly or yearly, and you can cancel at any time in the app. A minimum deposit of €1 is needed to open it, and the prepaid balance is held separately with the bank partner.

Support runs on email and phone, so you can reach the team by phone or by email. Across the everyday accounts on this list, phone support is the more common channel, appearing for 79.7% of providers.

The account is run by Bling Services GmbH, which is based in Germany and was founded in 2021. The prepaid balance itself sits with the bank partner on a separate account, which is why the protection scheme applies to it.

There is no interest rate quoted for the balance in the same way a savings product quotes a headline rate. The account is easy access and prepaid, so the return to weigh is the cost of the account rather than the rate earned on the money. Fixed products on this list quote a rate type of fixed over a term of 12.

The everyday accounts in this group are mostly easy access, covering 79.3% of the providers, with a smaller share of fixed accounts. Bling sits in the easy access group, so it is compared with fee and protection rather than with a headline rate.