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
Account
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
Card
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
Opening
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
- 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
€30
€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
Limits and costs
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
€300 / 7 days
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
€950 / 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
100% Mobile
Deficit
Not allowed
Not allowed
100€ (default)
Not allowed
Cash withdrawals
Foreign currency cash withdrawals
Money transfers
Direct debit
Mobile top-up
Life insurance and repatriation
Coming soon
Social programmes
Card
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 days
(excluding pre-shipment time)
15 days
Contactless
Personalisation
(premium version)
(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
Opening
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
- Telephone
- Tax resident in France
- Identity document
- Proof of residence in France
- Telephone
- Already have a bank account
- Identity document
- Proof of address
- Handwritten signature on paper
- Identity document
- Proof of address
- Tax resident in France
- Identity document
- Proof of residence in France
- Telephone
Annual maintenance
30€
€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
Limits and costs
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
€300 / 7 days
300/ 7 days (by default)
Not available
No N26 branch
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
€950 / month
€1,500/ 30 days
(by default)
Not available
Limits on card top-ups from third-party accounts
10,000€ / mois
950€ / 30 jours
1.000€ / mois
Limits on outgoing money transfers
€10,000 / month
€30,000 / month (SEPA)
No limits
Unlimited (SEPA)
Limits on incoming money transfers
€10,000 / month
€30,000 / month (SEPA)
No limits
