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Presentation

Ma French Bank is a mobile bank belonging to the Banque Postale group. Created in 2019, the neobank has already reached 100,000 customers in just 6 months of activity. Its objective is to provide an offer fully adapted to the needs of French citizens.

Like any neobank, Ma French Bank is based on mobile use. This allows access at any time to the various information and features related to the account. But apart from that, it is also accessible from a network of 2000 post offices throughout the territory. This proximity therefore plays a crucial role in the policy of mobile banking, which wants to be ever closer to its customers.

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Who is Ma French Bank aimed at?

La Banque Postale already had a certain range of customers since its creation in 2006, largely inherited from the former La Poste service. By creating Ma French Bank, it is aimed above all at a relatively young clientele. Indeed, the neobank targets more individuals aged 18 to 35. Apart from that, it has also designed an offer especially for minors between 12 and 17 years old.

Thanks to its many advantages, Ma French Bank meets a wide variety of needs. First of all, its offer meets the needs of users concerned about the autonomy and simplicity of banking offers. It allows you to have greater control over your bank account and that quite simply from your smartphone.

On the other hand, the aggressive rates of the neobank make it a real ally if you want to save money. Added to this are very advantageous international rates, which is a huge advantage for those who travel regularly.

Offers

Ma French Bank offers a bank account accompanied by a bank card and an application.

The Ma French Bank account

The Ma French Bank account is a current account that includes most of the neobank's services. It is a non-overdraft account with real-time balance and control via the mobile application. All expenses are then categorized and accessible with just a few keystrokes. In addition, it is possible to fund the account with a bank card from another account.

The Account allows you to obtain an international Visa card as well as an application to control everything.

The WeStart account

Apart from the standard current account, Ma French Bank also offers an offer dedicated to minors aged 12 to 17. Called WeStart Account, this special teen offer teaches young people to be more independent. This will allow them to manage their budgets themselves without the risk of discovery.

WeStart provides access to an account, an international Visa card and a simplified application. Parents will have full control over the movements of this account and can set payment and withdrawal limits.

The card

Ma French Bank offers a very practical international Visa card for all types of users. Easy to use, it has no fees on payments and withdrawals even abroad. The card is also compatible with Apple Pay and Samsung Pay contactless payment services.

In addition, you can modify the limits of your card yourself, find its secret code or even block and unblock it for free. However, the ceilings are limited to €3,000 of payment in one month and €1,000 of withdrawals in one week.

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Services

The Ma French Bank offer allows you to take advantage of many very practical services.

Insurance

The Visa card natively includes various insurances related to its use internationally. Apart from that, mobile banking also offers guarantees on online purchases, means of payment and on the identity of the user. In partnership with the insurance company Lovys, Ma French Bank also offers smartphone insurance and home insurance.

Money transfer

In addition to the classic bank transfer, Ma French Bank also offers many options for money transfer. In particular, there is the possibility of sending money by SMS. The recipient then receives a link allowing them to receive the money in any bank account.

There are also other tools to share expenses or contribute to a purchase. The We Sharing function makes it easy, for example, to divide an account between relatives. There is also the tool Let's Cagnotte thanks to which one can collect money quickly for a common project.

Credit

Like all traditional banks, Ma French Bank allows you to obtain revolving credit to finance personal projects or to manage an unforeseen event. You can choose the amount to borrow yourself and the money will be available instantly. Thereafter, you will repay at the rate that suits you by adjusting the monthly payment at will.

Piggy bank and investment

Ma French Bank offers a simple and practical way to put money aside without thinking too much about it. Thanks to the Ma Tirelire option, you can add money to your kitty each time you use the card. We can then define the amount to be saved by rounding the addition, by taking a well-defined percentage or by setting an amount for each type of operation.

You can also access KissKissBankBank, a crowdfunding platform. This will then allow you to launch a fundraiser to bring your projects to life. On the other hand, you will also have the opportunity to support a project that seems profitable to you. Either way, you still have a high chance of making a profit.

Customer support

If you need assistance in using mobile banking services, you can contact customer support directly by telephone on 09 69 36 20 10. The service is available Monday to Saturday from 8 a.m. to 10 p.m. you can also contact a customer advisor by chat or via social networks.

You can also access a frequently asked questions (FAQ) page to find answers to the most frequently asked questions. A blog called Mon French Mag’ will also give you advice on using the services of the neobank.

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Rates

Ma French Bank offers some of the most aggressive rates on the market. You can access most mobile banking services for just €2/month, including the account, card and mobile application. Only obtaining insurance outside of that on the card will cost €2 more per month. The same rates also apply to the WeStart account.

How to open an account?

There are two ways to open a Ma French Bank account: opening an account online and opening at a post office.

Opening an account online

This is certainly the easiest way to open an account. To do this, you must start by going to the “I open an account” page on the official website. You will then have a form to fill out as well as documents to provide. You can then sign the contract online and all you have to do is fund your account to receive the card and take advantage of the offers.

You can then connect to the mobile application available on App Store and Google Play Store. The same procedures will apply for the WeStart account with the addition of the child's documents.

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Open an account at the post office

You can also go to a post office to open your account. For this, you will need to bring an identity document or proof of residence in France.

Our opinion on Ma French Bank

Ma French Bank is one of the most practical neobanks available in France. It has many advantages such as its very attractive price and the fact that most services are free.

The application is very pleasant to use and has complete functionalities. In addition, the many assistances make it easier to use the service.

It also stands out from other online banks by its proximity offer through the many post offices present throughout France. This makes it an offer particularly suited to the needs of French users. In addition, the use of the services remains the same whether you are in France or abroad.

The account for teens is also one of the strong points of Ma French Bank. It offers many possibilities and freedom to minors while remaining under the supervision of parents.

Nevertheless, we may regret the fact that the neobank is mainly designed as a secondary bank. Indeed, one requires a main bank account to be able to use the services of the mobile bank. Also, Google Pay contactless payment is not supported, a small obstacle for a large number of Android devices.

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