Monabanq review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Monabanq pays 3% on a savings account that is really an add-on for people who already bank with it. Current account holders in France wanting a small easy-access pot are served well, while anyone starting from scratch hits the current account requirement first.
Key facts
- Best for
- An easy-access savings pot for existing Monabanq current account holders in France.
- Headline rate
- 3%↗
- Rate type
- Variable↗
- Term
- 12 to 72 months↗
- Minimum deposit
- €10↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Immediate availability; only for holders of a Monabanq current account; minimum first deposit 10 EUR↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Legal entity
- Monabanq↗
- Headquarters
- France↗
- Founded
- 2006↗
- Support channels
- Phone, Chat, Email, Help-centre↗
- Pricing model
- No monthly fee, Fixed rate
- Official website
- monabanq.com
Loans
- APR
- 7.25%↗
- Loan amount
- €3,000 to €30,000↗
- Arrangement fee
- 0 EUR (no arrangement fee)↗
- Funding time
- From the 8th day after signing the credit contract (express funding), otherwise after the 14-day withdrawal period↗
- Representative example
- Personal loan of 10 500 EUR: 59 payments of 208,01 EUR plus a final 207,81 EUR, total due 12 480,40 EUR, fixed TAEG 7,25%, fixed nominal rate 7,02%, 60 months↗
- Lender type
- Direct lender↗
- Eligibility
- Personal loan open to Monabanq customers more than 2 months after account opening; referred customers and clients must be adults residing in France↗
- Loan types
- Personal↗
- Use cases
- Home-improvement↗
- Features
- Travel
Personal insurance
Brokers
- Account fee
- €36↗
Facts checked September 26, 2026, 10 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- WikidataXTrustpilot
Pros and cons
Pros
- A headline rate of 3% on an easy-access account where money is available immediately.
- Deposit protection of EU DGS up to EUR 100,000 sits behind the balance held in the account.
- A debit card on the visa network with a currency conversion fee of 0%.
- Personal loans for existing customers at 7.25% APR over €3,000 to €30,000 with 0 EUR (no arrangement fee).
Cons
- Access terms limit the savings account to holders of a Monabanq current account, so anyone starting out has to open one first.
- The rate type is variable, so 3% can move, and the rate ranks 249 of 488.
- The headline rate of 3% sits under the savings upper quartile of 4.5%.
Who it suits
- Existing Monabanq current account holders in France who want a small accessible pot beside their day-to-day money.
- Savers happy with a variable rate who want their balance reachable straight away and already hold euros.
- Customers past a waiting period after opening the account who want to borrow €3,000 to €30,000 at 7.25% APR.
Who should look elsewhere
- Wise, if the higher headline rate of 3.29% matters more than keeping one current account.
- bunq, if a slightly higher 3.01% on a standalone savings account is the priority.
- Finteres, if a headline rate running 0% to 36% is what you are aiming at.
How Monabanq compares
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Where Monabanq is available
- Available
- France
- Licence in France
- Autorite de controle prudentiel et de resolution (ACPR), checked September 26, 2026
- Licence in France
- Organisme pour le registre des intermediaires en assurances (ORIAS) (07 028 164), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much interest does Monabanq pay on savings?+
The headline rate is 3% and it is variable, so the figure can change with the market. Money is available immediately from the account, and the account kind is easy access with a minimum deposit of €10.
Is my money protected if I save with Monabanq?+
Deposit protection is EU DGS up to EUR 100,000. Monabanq is supervised in France by the Autorite de controle prudentiel et de resolution, and as an insurance broker it is registered with the Organisme pour le registre des intermediaires en assurances under 07 028 164.
Do I need a Monabanq account to open the savings account?+
Access terms limit the savings account to holders of a Monabanq current account, so the current account comes first and savings sit alongside it. Support runs on phone, chat and email, so setup questions can go to a phone line, chat, email or the help centre.
What does the Monabanq card cost when I spend abroad?+
The card is a debit card on the visa network, and the currency conversion fee is 0%. That suits euro balances that get spent in other currencies, though the savings side pays interest rather than rewards.
Can Monabanq customers borrow as well as save?+
Yes. The personal loan runs at 7.25% APR, for amounts of €3,000 to €30,000 over a term of 12 to 72, with 0 EUR (no arrangement fee). Access terms require a waiting period after the account opens, and referred customers and clients must be adults residing in France.
How quickly is loan money paid out?+
Express funding releases the money from a set point after the credit contract is signed, and the standard route waits until the withdrawal period ends. The loan is aimed at home improvement under home improvement, with a Visa debit card available alongside.
Does Monabanq sell insurance through the same account?+
Yes. It acts as a broker and arranges home, renters and auto cover, with premiums from €7 and monthly payments available. Home and student cover are offered, and the student product carries contents cover of up to EUR 5,000 of contents for ages 16 to 28.
Where is Monabanq based and what kind of company is it?+
The legal entity is Monabanq, headquartered in France and founded in 2006. It is listed as a broker, and the same relationship covers the savings account, the personal loan and the insurance lines.
Sources
- fr.wikipedia.org/wiki/Monabanq checked September 26, 2026
Backs: Founded
- monabanq.com checked September 26, 2026
Backs: Support channels
- monabanq.com/fr/categorie/assurances.html checked September 26, 2026
Backs: Insurance types
- monabanq.com/fr/categorie/credits.html checked September 26, 2026
Backs: Loan amount, Lender type, Loan types, Term, Use cases
“Entre 12 et 72 mois”
- monabanq.com/fr/mentions-legales.html checked September 26, 2026
Backs: Deposit protection, Provider type, Headquarters, Legal entity, Licences
- monabanq.com/fr/parrainage/index.html checked September 26, 2026
Backs: Account fee, Card type, Features, Currency conversion fee, Card network
“Zero frais a l'etranger (retraits, paiements, virements) - Compte Uniq+”
- monabanq.com/fr/produits-bancaires/assurance-habitation-e... checked September 26, 2026
Backs: Age range, Cover limit, Monthly payments, Premium from
- monabanq.com/fr/produits-bancaires/assurance-habitation/e... checked September 26, 2026
Backs: Claims channels
- monabanq.com/fr/produits-bancaires/livret-epargne/en-resu... checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type
“Livret d'epargne Monabanq: Disponibilite immediate”
- monabanq.com/fr/produits-bancaires/pret-personnel.html checked September 26, 2026
Backs: APR, Eligibility, Funding time, Arrangement fee, Representative example
Compiled from 10 source pages, checked September 26, 2026. We did not open an account.
Monabanq
An easy-access savings pot for existing Monabanq current account holders in France.