Opening a flexible travel card has never been easier. The Boursorama Banque Ultim card is designed for people who want full control over their spending with zero maintenance fees.
It offers travel perks, customizable options, and access to worldwide services. You can apply online in just a few simple steps.
Key Benefits You Should Know
This card gives you practical value for everyday and international use. The Boursorama Banque Ultim card includes several features that make it ideal for modern banking and frequent travelers.
Free Usage and Travel-Friendly Terms
You can use the Ultim card without paying monthly fees if you make at least one transaction per month. It offers free payments in euros and allows three free foreign withdrawals monthly.
Beyond the free limit, foreign withdrawals incur a 1.69% charge. There are no extra charges on eurozone payments or withdrawals.
Whether you’re at home or abroad, the card is designed to save you fees. It’s built with simplicity and cost-efficiency in mind.
Flexible Debit Options
You can pick between immediate and deferred debit, depending on your financial habits. Immediate debit is available to everyone, with no income conditions.
Deferred debit requires a monthly net income of €2,400. You can modify your payment and withdrawal ceilings directly through the mobile app.
Both options give you full control of your account activity. This flexibility adapts to your lifestyle and spending needs.
Premium Insurance and Digital Features
The card comes with several built-in travel insurance protections. You’re covered for baggage delays, lost or stolen luggage, and rental vehicle incidents.
You also get snow and mountain support during your trips. The card works with mobile payments, including Apple Pay and Google Pay.
You can even use your digital card before the physical one arrives. These benefits combine security with modern digital banking convenience.
Application Requirements
To apply, you need to meet a few basic eligibility criteria. The card is open to individuals residing in France with valid identification. Income requirements only apply if you choose deferred debit.
- Must be a legal adult residing in France.
- Valid proof of identity and address.
- For deferred debit: Net monthly income of €2,400.
- Immediate debit is available with no income requirement.
- A smartphone or device to access the app and upload documents.
Interest Rates and Usage Fees
Understanding the fees and limits helps you use the card wisely. The Boursorama Banque Ultim card comes with mostly free services, but a few limits and conditions apply.
- Euro payments and withdrawals: Free and unlimited.
- Foreign currency payments: Free and unlimited.
- Foreign currency withdrawals: Three free per month; 1.69% fee beyond.
- Deferred debit option: No interest charged, but subject to income conditions.
- Card inactivity: €9 /month if not used.
What the Card Covers with Insurance
The card includes several types of travel insurance. You don’t need to activate them separately. These services can save you money and stress while abroad.
- Baggage delay: Refund for essential purchases due to baggage delay.
- Luggage damage, theft, or loss: Compensation if items are entrusted to transport services.
- Rental car protection: Covers damage or theft for rentals.
- Snow and mountain assistance: Helps with related accidents or costs.
How to Apply Online in 4 Steps?
The application process is simple and entirely online. To get started, you will need a smartphone and a few documents. Here’s how you can complete the process.
- Step 1: Fill out your personal details and visit the Boursorama Banque website.
- Step 2: Scan and upload your required identification and address documents.
- Step 3: Sign the contract electronically and make your first payment.
- Step 4: Activate your virtual card and start using your account right away.
Optional Bonus Offer: Earn Up to €120
You can earn up to €120 if you’re a first-time account holder who opens an eligible personal account. This bonus is linked to using the EasyMove bank mobility process and making a required initial transaction.
- Promo Code: Use code BBKMBA120 during the application process to qualify for the bonus offer.
- Conditions: You must open a new personal account, make your first payment, and fully activate the EasyMove mobility service.
- Details: Full bonus conditions, eligibility information, and offer limits can be found directly on Boursorama’s official site.
Debit Options and Card Flexibility
You can choose between two debit methods depending on your preference. Both options have different requirements and provide a level of control based on your financial situation. This allows the card to adapt to your needs and offer a more personalized experience.
- Immediate debit: Transactions are charged instantly, giving you a real-time overview of your account activity without requiring any income verification.
- Deferred debit: Transactions are grouped and billed later at a fixed date, and this method is only available to users with a net monthly income of at least €2,400.
- Customizable limits: You can adjust your daily and monthly payment and withdrawal caps directly through the secure mobile app settings.
- Usable before delivery: The card can be activated in your digital wallet for use in mobile payments before the physical version even arrives in the mail.
Card Composition and Mobile Compatibility
The card is modern, eco-friendly, and easy to use. You can also go fully digital if you don’t need a physical version.
- Recycled PVC card: The physical card is made from recycled PVC material, making it both durable and environmentally conscious for long-term usage.
- Digital card version: Users who prefer minimalism or fast access can opt for the fully digital version, which is available instantly after application approval.
- Mobile payment support: The card is compatible with major mobile wallets, including Apple Pay, Google Pay, Samsung Pay, and Garmin Pay, for fast, secure transactions.
- Contactless enabled: Built-in NFC technology allows you to make tap-to-pay transactions quickly and safely at most payment terminals worldwide.
Customer Support and Contact
Boursorama Banque offers several ways to get help. The platform is user-friendly and support is easily accessible. You won’t need to visit a branch.
- Website: www.boursobank.com
- Live Chat: In-app and on the website.
- Help Center: Full of detailed guides and FAQs.
- Mobile App: Manage everything 24/7.
Final Thoughts: Why This Card is Worth It
The Boursorama Banque Ultim card is a strong option if you want a fee-free card for global use. It gives you control, protection, and mobility without charging extra for basics.
You apply online, use your phone, and benefit from premium services. It’s a smart pick for anyone who wants to simplify their banking while traveling.
Disclaimer: Terms may vary depending on how you use the card. Some features require specific conditions, like income or monthly activity.
