Compare Smile account with other accounts

We offer you detailed information about what other accounts and cards offer so that you can make the best decision

100% Mobile

Deficit

Not allowed

Not allowed

€100 (by default)

Not allowed

Cash withdrawals

Foreign currency cash withdrawals

Money transfers

Direct debit

Mobile top-up

Life insurance and repatriation

Coming soon

Social programmes

Pricing

Free

€20

€5/month

(in the absence of at least one payment transaction)

Free

€10

Maintenance

Free

Free

Free

Free

Free

Delivery time

10 days

Same day

(classic card)

3 days

(excluding postal delays)

5 jours

(excluding pre-shipment time)

15 days

Contactless

Personalisation

(premium only)

(premium version)

Card type

Debit

Debit

Debit

Debit

Debit

Partner

Mastercard

Mastercard

VISA

Mastercard

Mastercard

In-store payment

Mobile payment in shops

E-commerce

Cash withdrawals at ATMs

inside and outside the SEPA area

Withdrawal at official locations

Cardholders

1

1

1

1

1

Security

3D secure

3D secure

3D secure

Double authentification

3D secure

Card replacement

€9

€10

€10

€10

€10

Locations for opening the account

Moneytrans branches, Shops, Moneytrans App, Website

Newsagents and tobacconists,Web (without completing the process),Telephone

Online (web or app)

Online, Orange shop

Online (web or app)

Personalised assistance

Telephone, Email, Live chat, Branches, Social networks

Telephone, Social networks

Phone, Customer area

Phone, Forum, Social networks

 Chat / Email

Minimum initial deposit

Free

€50

€50

Opening requirements

- Identity document

- Proof of residence in France

- Email

- Telephone

- Tax resident in France

- Identity document

- Proof of residence in France

- Mobile phone

- Already have a bank account

- Identity document

- Proof of address

- Handwritten signature on paper

- Identity document

- Proof of address

- Tax resident

- Identity document

Proof of residence in France

- Mobile phone

Other information that may be required*

Annual maintenance

€20 the 1st year for the first 2000 accounts

€20

€0

Free (if 1 transaction per card per month, otherwise 24€)

€0

Access to your account in app

Opening time

5 minutes

5 minutes

15 minutes

(3-6 days of validation)

A few minutes

5 minutes

AMT cash withdrawal cost

Price charged by the ATM operator bank

€1,5 (France)

Price charged by the ATM operator bank

Free

(excluding fees of competing banks)

Free

(up to 3 times per month)

AMT cash withdrawal cost outside the SEPA area

€5

€1 (SEPA)

2% of the amount

1,7% of the amount

Cash withdrawal cost at an authorised branch or bank

€1,5

€2

Not available

No N26 branch

Cash deposit cost at authorised branches or banks

€0.5

3 free withdrawals/ month

Not available

Not available

deposit not available

Cost of bank account deposit

1% of the amount

2% of the amount

Cost per card deposit

2% of the amount

3% (free the first time)

Cost per money transfer to another account of the same company

Free

Free

Free

Free

Moneybeam

Cost per SEPA money transfer

2 free of charge per month

Free

Free

Free

Free

Cost per international money transfer

Calculator

Free

0.1% (minimum €20)

€25 (outgoing) €15 (incoming)

1.7% of the amount

ATM cash withdrawal limit

 €500 / month

Not available outside SEPA

€300/ 7 days

(without income)

€500/ week

€1,000/day

€2,500/week

Cash withdrawal limit at branches

€250 / month

300/ 7 days (by default)

Not available

Not available

Limit on contactless payments

Modificable

€300 / 7 days (by default)

€50 maximum purchase

€50 maximum purchase

€50/ transaction

Limit on contactless payments

€2,500 / month

50€ / transaction

€1,250/ month

(without income)

Depending on the client profile

€20,000 / month

Limits on cash deposits

€750 / month

€1,500/ 30 days

(by default)

Not available

Limits on card top-ups from third-party accounts

€10,000 / month

€950/ 30 days

€1,000/ month

Limits on outgoing money transfers

€1,000/ month

€950/ 30 days

No limit (SEPA)

No limits

Unlimited (SEPA)

Limits on incoming money transfers

€1,000/ month

€30,000 / month (SEPA)

No limits

Unlimited (SEPA)

*These data are collected from the commercial website of the respective financial institutions. Information not collected can be obtained by contacting them.

Account

Not allowed

Not allowed

100€ (default)

Not allowed