Updated October 21, 2026 · VaultCue Editorial Team
BoursoBank vs Sumeria
BoursoBank
Higher score in this comparison
Sumeria
Where BoursoBank and Sumeria differ
| Compare | BoursoBankReviewSee alternativesSee alternatives | SumeriaReviewSee alternativesSee alternatives |
|---|---|---|
| Local account details | Not confirmed | IBAN |
| Free ATM withdrawals | Not confirmed | €250 |
| Transfer fee | Not confirmed | 0 EUR (all transfers free on the free Carte Basique offer) |
Same on both: Monthly fee (€0), Deposit protection (EU DGS up to EUR 100,000), Currency conversion fee (0%).
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Key differences
- BoursoBank scores higher overall: 9.4 vs 8.9.
- Founded is lower at BoursoBank: 1998 vs 2011.
- Sumeria is available in 1 more country.
- Pricing model: only BoursoBank offers Low FX.
- Features: only BoursoBank offers Digital only.
- Features: only Sumeria 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.
Sumeria
Sumeria is an easy-access French account with instant access to a French IBAN and a variable rate of 1% to 2%, which suits travellers who want euro banking without a fixed term. It is regulated and deposit protected, so the trade-off is the low rate rather than the safety of the money.
Score breakdown
| Area | BoursoBank | Sumeria |
|---|---|---|
| Cost | 9.4HigherMonthly fee of €0 and a conversion fee of 0%, plus a 1.5% to 2.5% variable rate on savings. | 9.1Monthly fee €0 and transfer fee €0, with conversion fee 0%. |
| Offer | 9.8Higher | 9.0 |
| Trust | 9.1Higher | 8.8 |
How they place
| Ranking | BoursoBank | Sumeria |
|---|---|---|
| Savings accounts | 85 of 1420 | 442 of 1420 |
Every fact side by side
| Fact | BoursoBank | Sumeria |
|---|---|---|
| Audience | Travelers | Travelers |
| Pricing model | No monthly fee, Low FXCovers more | No monthly fee |
| Features | Digital only | Free ATM |
| Legal entity | Boursorama SA | Lydia Solutions |
| Headquarters | France | France |
| Founded | 1998Lower | 2011 |
| Support channels | Email, Phone, Chat, Help centre | Email, Help centre, Phone, Chat |
Savings
| Fact | BoursoBank | Sumeria |
|---|---|---|
| Headline rate | 1.5% to 2.5%Higher | 1% to 2% |
| Rate type | Variable | Variable |
| Minimum deposit | €10 | Not confirmed |
| Access terms | Deposits and withdrawals free at any time, minimum balance EUR 10, up to 4 booklets, requires a BoursoBank current account | No commitment, instant access to a French IBAN; Basic offer: up to 2,000 EUR payments and withdrawals per month, 3 free ATM withdrawals per month, card free |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | BoursoBank | Sumeria |
|---|---|---|
| Exchange rate markup | Not confirmed | 0% |
| Delivery time | Not confirmed | Instant |
| Payout methods | Not confirmed | Bank, Card |
| Fee to send 1,000 | Not confirmed | €0 |
Where each stands against the rest
| Fact | BoursoBank | Sumeria | Median |
|---|---|---|---|
| Monthly fee | €0at the median | €0at the median | €0 |
| Currency conversion fee | 0%below the median | 0%below the median | 0.5% |
| Free ATM withdrawals | Not confirmed | €250above 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
Sumeria
Pros
- Instant access to a French IBAN with no commitment, so the account works around a trip
- Money sits under EU DGS up to EUR 100,000, and the account runs on a French e-money licence from ACPR with an ORIAS registration
- Transfers arrive in Instant time and payouts go to a bank account or a card (bank and card)
Cons
- The variable rate of 1% to 2% sits under the savings median of 3.08% on the site, so the money earns less than most savings accounts listed
- The Basic offer caps payments and withdrawals each month, and the free ATM allowance stands at €250
- The account is easy-access (easy access) and the rate is variable, so there is no term to lock the rate in for
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
Sumeria
Who it suits
- Travellers in France who want a local IBAN, with Instant payments and no commitment
- Euro spenders who want the free card on the Basic offer and payouts to a bank or card (bank and card)
- Euro savers who care more about protection of EU DGS up to EUR 100,000 than about the rate
Who should look elsewhere
- Savers chasing a higher return: Plazo ES shows a headline rate of 24.19% against 1% to 2% here
- People set on a card and credit product: AXI Card Tarjeta y Credito is built around a card at 21.59%, while Sumeria is an easy-access account (easy access)
- Wallet-first users: PayPal Colombia sits at a headline rate of 3.3% and suits wallet balances, whereas Sumeria suits euro banking on a French IBAN
Current offers
Sumeria
Current offer
Bonus
Remunerated current account: 2% for the first 3 months, then 1%: 2% gross annual rate for the first 3 months, then 1%
At least 10 eligible card payments per month with a Sumeria card, interest calculated daily and paid monthly; rate applies to total balances across Sumeria accounts capped at 100,000 EUR (100,000 EUR cap if the Black Card offer is taken); reserved for French and Belgian tax residents; rate subject to change
Source, checked September 26, 2026
Country by country
| Country | BoursoBank | Sumeria |
|---|---|---|
| Belgium | No | Yes |
| France | Yes | Yes |
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.
Sumeria
What does a Sumeria account cost to run?+
The monthly fee is €0, so holding the account is free. Transfers are free on the free Carte Basique offer, where the transfer fee is 0 EUR (all transfers free on the free Carte Basique offer). Currency conversion comes with a fee of 0% and an exchange rate markup of 0%.
Is my money protected at Sumeria?+
Deposits are covered by EU DGS up to EUR 100,000. The account is run by Lydia Solutions as an e-money institution authorised to issue payment services by ACPR, with an ORIAS registration as an agent of an investment service provider, so French regulators sit over the account.
Other options to compare
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Sumeria