BoursoBank Ultim
Free card, free payments everywhere, free withdrawals, premium insurance and flexible spending limits. Ideal for travelers and everyday use.
The BoursoBank Ultim card undeniably stands out among current banking offers. It's free with limited usage (otherwise €9/month) and is ideal for frequent travelers as well as those looking to optimize their daily finances. Its main advantage lies in free international payments. Foreign currency withdrawals are also free up to three transactions per month, then subject to a fee of 1.69% thereafter. No standard nominal interest is applied to this debit card, as the credit is non-revolving. The spending limit can reach up to €20,000 over a rolling 30-day period, depending on your profile, which remains quite generous for a card at this price. Ultim is available with either immediate debit (no minimum balance requirement) or deferred debit (subject to income or balance requirements). A digital version is also available, perfect for minimizing your environmental impact.
How to apply for your BoursoBank Ultim card
- Complete your personal information online
- Download the dedicated BoursoBank app
- Scan your supporting documents (identity document, proof of address, bank details, etc.)
- Sign your contract electronically
- Make your first deposit to activate the account
These quick and easy steps allow you to get your card fast. One important point to note: you can use the card for mobile payments (Apple Pay/Google Pay/Samsung Pay) as soon as your order is confirmed, without waiting for physical delivery.
Key advantages of the Ultim card
The fact that the offer is free – provided you make at least one payment or withdrawal per month – is particularly appealing. Fee-free payments, even internationally, are a real boon for travelers. BoursoBank also offers premium travel insurance and assistance, providing up to €5,020,000 in coverage, as well as reimbursements in case of delays, lost luggage, or health issues abroad. Furthermore, the ability to instantly adjust payment and withdrawal limits makes the card very flexible.
Some drawbacks to consider
Despite its many advantages, the Ultim card is not without its limitations. In the event of inactivity (no payments during the month), a €9 fee applies to the physical card. Withdrawals abroad are free up to three times per month, after which they are charged. The conditions for benefiting from deferred debit may also exclude certain profiles (income or account tenure requirements).
Our final verdict: should you choose the Ultim card?
In conclusion, the BoursoBank Ultim card proves to be a bold solution for those wishing to combine flexibility, security, and savings when making payments, both in France and abroad. The numerous included services, the free access under certain conditions, and the comprehensive premium insurance coverage make it a highly recommended offer, particularly for mobile and tech-savvy individuals. However, it is essential to carefully review the terms and conditions to fully benefit from its capabilities without incurring any fees.
