Updated October 13, 2026 · VaultCue Editorial Team
C24 Bank vs Fortuneo
C24 Bank
Fortuneo
Higher score in this comparison
What sets them apart
| Compare | C24 BankReviewSee alternativesSee alternatives | FortuneoReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | Not confirmed | 5% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | €10 |
| Access terms | Not confirmed | Savings accessible 24/7, withdrawals free from EUR 10 with no fees or penalties, interest credited annually |
| Account kind | Not confirmed | Easy access |
Same on both: Deposit protection (EU DGS up to EUR 100,000), Monthly fee (€0).
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Key differences
- Support channels: only Fortuneo offers Phone, Email, Chat.
- Pricing model: only C24 Bank offers Low FX.
Our verdict on each
C24 Bank
For people organising shared funds, C24 Bank offers an account path that differs from counter based routines that rely on paper forms. C24 Bank centres on joint handling and clear identification for households that coordinate balances together with help centre guidance.
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 | C24 Bank | Fortuneo |
|---|---|---|
| Cost | 9.1Higher | 8.8No monthly fee of €0 on savings, a currency conversion fee of 0%, transfers at 0 EUR (instant SEPA transfers free). |
| Offer | 8.1 | 9.7HigherA variable headline rate of 5% on an easy-access account, with joint account and free ATM withdrawal features. |
| Trust | Not confirmed | 9.3 |
How they place
| Ranking | C24 Bank | Fortuneo |
|---|---|---|
| Savings accounts | 917 of 1420 | 196 of 1420 |
| Online banks | 257 of 402 | 50 of 402 |
Every fact side by side
| Fact | C24 Bank | Fortuneo |
|---|---|---|
| Pricing model | No monthly fee, Low FXCovers more | No monthly fee |
| Legal entity | C24 Bank GmbH | Arkea Direct Bank |
| Headquarters | Not confirmed | France |
| Founded | Not confirmed | 2000 |
| Support channels | Help centre | Phone, Email, Chat, Help centreCovers more |
Everyday accounts
| Fact | C24 Bank | Fortuneo |
|---|---|---|
| Currency conversion fee | 0% | 0% |
| Audience | Not confirmed | Travelers |
| Features | Free ATM, Joint account, Digital only | Joint account, Digital only, Free ATM |
| Local account details | IBAN | IBAN |
| Transfer fee | Free real-time transfers | 0 EUR (instant SEPA transfers free) |
Where each stands against the rest
| Fact | C24 Bank | Fortuneo | Median |
|---|---|---|---|
| Headline rate | Not confirmed | 5%above the median | 3.25% |
| Minimum deposit | Not confirmed | €10above the median | €1 |
| Monthly fee | €0at the median | €0at the median | €0 |
Median across 658 listed accounts.
Pros and cons
C24 Bank
Pros
- C24 Bank supports joint account handling for people managing funds together
- C24 Bank operates through digital channels backed by help centre guidance
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
C24 Bank
Who it suits
- People organising shared household funds
- People preferring digital account handling
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 | C24 Bank | Fortuneo |
|---|---|---|
| France | No | Yes |
Questions about each
C24 Bank
What saving purpose does C24 Bank serve?+
C24 Bank relates to setting money aside alongside everyday account handling through digital channels. Joint handling allows more than one holder to organise funds in one place. IBAN identification supports clear recognition of the account for transfers.
Who might consider C24 Bank?+
People who coordinate household funds may find joint handling relevant to shared plans. Those comfortable with digital channels may appreciate managing the account through screens and phones. Help centre guidance offers support when questions arise during use.
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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C24 Bank
Fortuneo