Online Bank Savings Calculator 2026

Online banks (Boursorama, Fortuneo, Hello bank!, Monabanq, etc.) generally offer much lower fees than traditional banks. The absence of a physical branch network allows them to eliminate or significantly reduce account maintenance fees, bank card subscriptions and commissions on standard transactions. According to comparative studies, an average customer can save between 150 and 250 euros per year by switching from a traditional bank to an online bank.

The main areas of savings are the bank card (often free online, compared to 40 to 145 euros per year at a branch), account maintenance fees (waived at most online banks), and fees on international transactions (foreign withdrawals and payments). For frequent travellers, the savings can be even more significant thanks to cards with no foreign exchange fees.

Beyond banking fees, online banks also offer competitive savings and investment services: low-fee PEA, managed life insurance, and boosted savings accounts. The money saved on banking fees can be reinvested each year, which represents, thanks to compound interest, significant capital over 10 or 20 years.