Fortuneo review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
Fortuneo is an online and mobile bank where stock accounts, savings books, cards, life cover and property loans sit together. For households, it brings daily banking and longer term investing into one place with several card levels.
Key facts
Savings
Pros and cons
Pros
- Covers deposit accounts, cards, savings books and stock accounts together
- Offers Compte-titres, PEA and PEA-PME for Euronext market investing
- Includes virtual cards and instant transfers for mobile money management
- Provides life cover and property loans beside everyday banking
Cons
- Operates as an online and mobile bank without physical branches
- Concentrates stock activity around Euronext and domestic account wrappers
Who it suits
- Households combining daily banking with savings and stock accounts
- Mobile first users handling cards, transfers and investments online
Who should look elsewhere
- People seeking branch based service and in person advice
How Fortuneo compares
Where Fortuneo is available
- Available
- France
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What products does Fortuneo cover?+
Fortuneo covers deposit accounts, bank cards, savings books, stock accounts, life cover and property loans. You can manage daily money beside longer term savings and market investing. The range joins banking, savings, investing and borrowing in one online bank.
Which investment accounts does Fortuneo provide?+
Fortuneo provides Compte-titres, PEA and PEA-PME for investing. You can place orders on the Euronext market and start with small amounts. Market investing carries a risk of partial or total loss of capital invested.
What savings and protection options does Fortuneo include?+
Fortuneo includes savings books such as Livret plus and life cover through Fortuneo Vie. You can choose self directed management for the life cover. Unit linked investment carries a risk of capital loss and includes a withdrawal period.
How does Fortuneo work as a bank?+
Fortuneo works as a bank that operates online and through mobile. You manage accounts, cards, transfers and investments without visiting a branch. Instant transfers and card controls support everyday use wherever you are.
What is the minimum deposit at Fortuneo?+
The minimum deposit at Fortuneo is €10. (Source, checked September 26, 2026)
Which company operates Fortuneo?+
Fortuneo is operated by Arkea Direct Bank. (Source, checked September 26, 2026)
Where is Fortuneo based?+
Fortuneo is based in France. (Source, checked September 26, 2026)
When was Fortuneo founded?+
Fortuneo was founded in 2000. (Source, checked September 26, 2026)
How can I contact Fortuneo support?+
Fortuneo offers support through Phone, Email, Chat, Help-centre. (Source, checked September 26, 2026)
Sources
- acpr.banque-france.fr checked September 26, 2026
Backs: Deposit protection
- appcontacter.com/cancel/com.fortuneo.android/fortuneo-ban... checked September 26, 2026
Backs: Legal entity
- fortuneo.fr checked September 26, 2026
Backs: Markets, Monthly fee
- fortuneo.fr/compte-bancaire/carte-fosfo-mastercard checked September 26, 2026
Backs: Annual fee, Card kind, Card type, Card network
“Carte Fosfo CB Mastercard”
- fortuneo.fr/compte-bancaire/cashbackplus checked September 26, 2026
Backs: Features, Rewards rate, Rewards type
“Cashback +”
- fortuneo.fr/epargne/livret-plus checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type
“Withdrawals: free from EUR 10, without fees or penalties; your money stays accessible 24/7”
- fortuneo.fr/mentions-legales-avertissement-legal checked September 26, 2026
Backs: Headquarters
“Registered office: Tour Trinity - 1 bis place de la Défense 92400 COURBEVOIE”
- fortuneo.fr/qui-sommes-nous checked September 26, 2026
Backs: Founded, Support channels
“Online bank created in 2000”
Compiled from 8 source pages, checked October 21, 2026. We did not open an account.
Not confirmed yet: Stock trade fee, Account fee, Inactivity fee, Regulators, Investor protection, Retail accounts that lose money.