Updated September 29, 2026 · VaultCue Editorial Team
Fortuneo vs ZA Bank
Fortuneo
Higher score in this comparison
ZA Bank
Fortuneo vs ZA Bank: the differences
| Compare | FortuneoReviewSee alternativesSee alternatives | ZA BankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 5%Higher | 0.01% |
| Minimum deposit | €10 | HK$0 |
| Access terms | Savings accessible 24/7, withdrawals free from EUR 10 with no fees or penalties, interest credited annually | Deposit and withdraw money as you wish, 24 x 7 in the ZA Bank app |
| Monthly fee | €0 | HK$0 |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- Fortuneo scores higher overall: 9.2 vs 8.7.
- Founded is lower at Fortuneo: 2000 vs 2020.
- Headline rate is higher at Fortuneo: 5% vs 0.01%.
Our verdict on each
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%.
ZA Bank
ZA Bank is an app-only easy-access account for travelers and businesses that need to hold and move money in several currencies. It suits users who put access first and interest second, since a headline rate of 0.01% sits well below the savings account median of 3%.
Score breakdown
| Area | Fortuneo | ZA Bank |
|---|---|---|
| Cost | 8.8No monthly fee of €0 on savings, a currency conversion fee of 0%, transfers at 0 EUR (instant SEPA transfers free). | 9.3HigherMonthly fee of HKD 0 against a site median of €0, with a minimum deposit of HKD 0. |
| Offer | 9.7HigherA variable headline rate of 5% on an easy-access account, with joint account and free ATM withdrawal features. | 8.9An easy access account on a variable rate, holding 11 currencies with no term attached. |
| Trust | 9.3Higher | 8.1 |
How they place
| Ranking | Fortuneo | ZA Bank |
|---|---|---|
| Savings accounts | 196 of 1420 | 542 of 1420 |
| Online banks | 50 of 402 | 181 of 402 |
Availability and regulation
| Country | Fortuneo | ZA Bank |
|---|---|---|
| France | ORIAS 07 008 441 | Not confirmed |
Additional countries for Fortuneo: 1. Additional countries for ZA Bank: 1.
Sources behind this comparison
Fortuneo
- fortuneo.fr: 11 facts, checked September 26, 2026
- acpr.banque-france.fr: 1 fact, checked September 26, 2026
ZA Bank
- bank.za.group: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Fortuneo | ZA Bank |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Arkea Direct Bank | ZA Bank Limited |
| Headquarters | France | Hong Kong |
| Founded | 2000Lower | 2020 |
| Support channels | Phone, Email, Chat, Help centre | Email, Phone, Chat, Help centre |
Everyday accounts
| Fact | Fortuneo | ZA Bank |
|---|---|---|
| Currency conversion fee | 0% | Not confirmed |
| Currencies | Not confirmed | 11 |
| Audience | Travelers | Travelers, BusinessCovers more |
| Features | Joint account, Digital only, Free ATMCovers more | Free ATM, Digital only |
| Local account details | IBAN | Not confirmed |
| Free ATM withdrawals | Not confirmed | HK$0 |
| Transfer fee | 0 EUR (instant SEPA transfers free) | FPS instant transfers free; SWIFT to 140+ countries and regions with zero ZA Bank fee |
Where each stands against the rest
| Fact | Fortuneo | ZA Bank | Median |
|---|---|---|---|
| Headline rate | 5%above the median | 0.01%lowest quarter | 3.25% |
Median across 658 listed accounts.
Pros and cons
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.
ZA Bank
Pros
- Instant FPS transfers cost nothing, and SWIFT transfers carry no ZA Bank fee.
- A minimum deposit of HKD 0, so a balance can start small and grow.
- Support runs on email, phone and chat, so help is not limited to the app.
Cons
- The headline rate of 0.01% ranks 447 of 473, so this is a place to keep money rather than grow it.
- A variable rate on an easy access account gives no term in which to lock a better rate for longer.
- Digital-only handling under free atm and digital only means no branch or counter service, so cash and paperwork happen in the app.
Who each suits
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.
ZA Bank
Who it suits
- Travelers and businesses, the audiences ZA Bank lists, who need easy-access money in 11 currencies.
- Holders who want a minimum deposit of HKD 0 rather than a barrier to opening.
- Users who need help beyond the app, since support runs on email, phone and chat.
Who should look elsewhere
- Readers shopping on listed rates, where Plazo ES shows 24.19% and AXI Card Tarjeta y Credito shows 21.59%.
- Wallet-first readers, since PayPal Colombia at 3.3% fits balances held in a wallet rather than an easy-access bank balance.
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
ZA Bank
Current offer
Bonus
High-Rate Pot savings rate: Up to 5% p.a. total savings rate (up to 4.99% reward rate plus 0.01% HKD basic interest rate)
Campaign period; reward rate valid from the day the challenge is completed to the last day of that month; eligible deposit limit varies by user tier and is shown on the High-Rate Pot page; T&C apply
Source, checked September 26, 2026
Bonus
Chill Pot promotional rate: 0.5% p.a.
Applies to HKD 1,000,000 or below balance in Chill Pot under ZA Perks Lv1 User Level; balance above that at the basic interest rate; T&C apply
Source, checked September 26, 2026
Bonus
Rate-up Tuesday coupons: Rate-up Coupons up to 9% p.a.; unlock bonus rate up to 18% p.a.
Claim in ZA Bank App homepage > Deposit > Rate-up Tuesday on or before 31 October 2026; terms and conditions apply
Source, checked September 26, 2026
Bonus
Foreign Exchange Time Deposit promotional rates: 20% p.a. 7-day CNY time deposit rate; 17% p.a. 7-day USD time deposit rate
Placed via ZA Bank App homepage > Deposit > FX Time Deposit; applicable rate, currency and period as displayed in the app; FX involves risks; T&C apply
Source, checked September 26, 2026
Country by country
| Country | Fortuneo | ZA Bank |
|---|---|---|
| France | Yes | No |
| Hong Kong | No | Yes |
Questions about each
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.
ZA Bank
How much does a ZA Bank account cost to run?+
ZA Bank charges a monthly fee of HKD 0 and a minimum deposit of HKD 0 to open, so holding a balance costs nothing. Its pricing sits at the site median monthly fee of €0, and the account is listed under no monthly fee.
What rate do I get on a ZA Bank deposit?+
The deposit pays a headline rate of 0.01% and the rate type is variable, so the return moves rather than being locked in. The account kind is easy access, which suits people who need to take money out whenever they like more than people shopping for a term deal.
Other options to compare
Other matchups
Related by the facts
Fortuneo
ZA Bank