Updated October 21, 2026 · VaultCue Editorial Team
BoursoBank vs Satispay
BoursoBank
Higher score in this comparison
Satispay
What sets them apart
| Compare | BoursoBankReviewSee alternativesSee alternatives | SatispayReviewSee alternativesSee alternatives |
|---|---|---|
| Currency conversion fee | 0%Lower | 0.5% |
| Local account details | Not confirmed | IBAN |
| Free ATM withdrawals | Not confirmed | €200 |
| Transfer fee | Not confirmed | Free to send and receive money to contacts and for SEPA transfers (0 EUR); instant availability top-up 1.00 EUR |
Same on both: Monthly fee (€0), Deposit protection (EU DGS up to EUR 100,000).
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Key differences
- BoursoBank scores higher overall: 9.4 vs 8.9.
- Founded is lower at BoursoBank: 1998 vs 2014.
- Satispay is available in 29 more countries.
- Currency conversion fee is lower at BoursoBank: 0% vs 0.5%.
- Support channels: only BoursoBank offers Chat.
- Audience: only Satispay offers Business.
- Features: only Satispay offers Free ATM.
Our verdict on each
BoursoBank
BoursoBank suits anyone who wants a French bank with no monthly fee and free currency exchange abroad. Deposits sit under EU deposit guarantee, and the savings side pays a variable rate on an easy-access account. It is a good fit for travellers and for savers who want access at any time.
Satispay
Satispay suits everyday spenders and travellers who want no monthly charge, cheap currency conversion and instant transfers between users. The monthly fee is €0, the conversion fee is 0.5%, and the trade off is the savings yield, which sits at 2.61% against a site median of 3%.
Score breakdown
| Area | BoursoBank | Satispay |
|---|---|---|
| Cost | 9.4HigherMonthly fee of €0 and a conversion fee of 0%, plus a 1.5% to 2.5% variable rate on savings. | 9.2Monthly fee of €0, currency conversion fee of 0.5% and free transfers to contacts sit well against the site median of 0.5%. |
| Offer | 9.8Higher | 9.3Savings pay 2.61% at a variable rate with a €0 minimum, plus €200 of free ATM use. |
| Trust | 9.1Higher | 8.5 |
How they place
| Ranking | BoursoBank | Satispay |
|---|---|---|
| Savings accounts | 85 of 1420 | 435 of 1420 |
| Online banks | 18 of 402 | 133 of 402 |
Every fact side by side
| Fact | BoursoBank | Satispay |
|---|---|---|
| Audience | Travelers | Travelers, BusinessCovers more |
| Pricing model | No monthly fee, Low FX | No monthly fee, Low FX |
| Features | Digital only | Free ATM, Digital onlyCovers more |
| Legal entity | Boursorama SA | Satispay Europe SA |
| Headquarters | France | Luxembourg |
| Founded | 1998Lower | 2014 |
| Support channels | Email, Phone, Chat, Help centreCovers more | Email, Phone, Help centre |
Savings
| Fact | BoursoBank | Satispay |
|---|---|---|
| Headline rate | 1.5% to 2.5% | 2.61%Higher |
| Rate type | Variable | Variable |
| Minimum deposit | €10 | €0Lower |
| Access terms | Deposits and withdrawals free at any time, minimum balance EUR 10, up to 4 booklets, requires a BoursoBank current account | Immediate availability, no lock-in, no withdrawal limits; savings moved instantly to Disponibilita |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | BoursoBank | Satispay |
|---|---|---|
| Exchange rate markup | Not confirmed | 0.5% to 1% |
| Delivery time | Not confirmed | Real time, instant between Satispay users |
| Payout methods | Not confirmed | Bank, Wallet, Card |
| Fee to send 1,000 | Not confirmed | €0 |
Where each stands against the rest
| Fact | BoursoBank | Satispay | Median |
|---|---|---|---|
| Monthly fee | €0at the median | €0at the median | €0 |
| Currency conversion fee | 0%below the median | 0.5%at the median | 0.5% |
| Free ATM withdrawals | Not confirmed | €200above the median | €1 |
Median across 377 listed accounts.
Pros and cons
BoursoBank
Pros
- Monthly fee of €0, in line with the site median of €0
- Currency conversion fee of 0%, against a site median of 0.5%
- Savings pays a variable rate of 1.5% to 2.5% with a minimum deposit of €10
Cons
- The savings account requires a BoursoBank current account
- The savings rate is variable, so it can move with the bank's rate decisions
- The account is digital-only, which suits people who bank mainly on screen
Satispay
Pros
- A monthly fee of €0, and Satispay ranks 1 of 500 on cost
- Transfers between Satispay users are Real time, instant between Satispay users, and the transfer fee to contacts is €0
- Savings pay 2.61% at a variable rate from a €0 minimum, with immediate availability
Cons
- The savings yield of 2.61% trails the 3% site median
- Cash pickup is not among its payout methods (bank, wallet and card), which cover a bank, a wallet or a card
- The currency conversion margin runs 0.5% to 1%, above the 0.9% site median
Who each suits
BoursoBank
Who it suits
- Travellers who spend and withdraw money abroad often
- Savers who want a variable rate and access to their money at any time
- Customers happy to run a current account to unlock the savings side
Who should look elsewhere
- Bit2Me, if you want a different kind of service, since its conversion fee is 0.95%
- bunq, if you prefer a set monthly plan, since its conversion fee is 3%
- Varo Visa Debit Card, if you would rather hold a card-led account with a monthly fee of $0
Satispay
Who it suits
- Everyday spenders who want an account with no monthly charge and free transfers
- Travellers paying in several currencies who weigh the conversion fee before the rate
- People holding a savings balance they can draw on immediately, with no lock in
Who should look elsewhere
- Skrill or bunq if you want a different provider altogether, since their conversion fees of 3.99% and 3% mean switching does not cut your cost
- PayPal Colombia if you want a wallet for international shopping rather than an everyday euro account
Current offers
Satispay
Current offer
Bonus
Welcome Bonus 5 EUR with code WEB: 5 EUR
Sign up by downloading the app and use code WEB
Source, checked September 26, 2026
Country by country
| Country | BoursoBank | Satispay |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 30 countries where either is available.
Questions about each
BoursoBank
What does BoursoBank charge each month?+
The monthly fee is €0, and the site median for monthly fees is €0. BoursoBank ranks at position 1 of 500 brands on this measure. The bank is run on a no monthly fee model.
What does it cost to spend money abroad?+
The currency conversion fee is 0%, against a site median of 0.5% and an upper quartile of 2.08%. BoursoBank places at position 1 of 312 brands. Travellers are one of the groups it aims at.
Satispay
What does Satispay cost to keep?+
The monthly fee is €0, and no monthly charge is the model listed. Sending and receiving money to contacts and SEPA transfers costs €0. The one extra charge to know is the instant availability top up.
What does it cost to convert currency?+
Conversion costs 0.5%, and the applied margin runs 0.5% to 1%. That sits at the 0.5% site median, while the highest conversion fees on the site reach 7%. Travellers can weigh it against the bank rate.
Other options to compare
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Related by the facts
BoursoBank
Satispay