The Boursorama Banque Ultim Card is a complimentary card offering robust travel and digital features. It offers global payments, mobile access, and includes insurance.
This guide explains who can apply and how the process works. You’ll also learn about fees, coverage, and support options.
What Is the Boursorama Banque Ultim Card?
The Boursorama Banque Ultim Card is a free Visa card available in physical and digital forms. It supports domestic and international payments with no annual fee.
You get travel insurance, flexible limits, and global access. It’s designed for frequent travelers and users of mobile wallets.
Choose between immediate or deferred debit during application. The card is made from recycled PVC, supporting eco-friendly banking.
Main Features and Benefits
The Ultim Card offers free services, insurance, and global functionality. These benefits make it useful for travel, budgeting, and digital banking.
Free and Unlimited Transactions
You can pay in euros and foreign currencies without added costs. ATM withdrawals are free up to three times monthly abroad.
After the limit, a 1.69% fee applies per withdrawal. Card payments are always free and unlimited.
Travel Protection Included
The Ultim Card covers you for travel mishaps automatically. It includes baggage loss, delay coverage, and car rental protection.
You don’t need to activate this separately. Using your card to pay activates the coverage.
Mobile Compatibility and Eco Design
The card is made from recycled PVC for sustainability. It works with mobile wallets like Apple Pay and Google Pay.
You can use it digitally before the physical card arrives. Managing your spending is done directly from the Boursorama app.
Eligibility Requirements
Before applying, check if you meet the basic eligibility requirements. This card is meant for French residents and requires proof of financial stability.
There are two types of accounts based on the debit method you select. You can obtain the immediate debit version with no minimum income requirement.
For the deferred debit option, you must demonstrate a minimum net monthly income of at least € 2,400. Your account must not be in overdraft. Boursorama will ask for ID, proof of address, and income verification.
How to Apply for the Boursorama Ultim Card?
Applying is done entirely online through Boursorama’s official website. You’ll need to prepare a few required documents and complete a guided step-by-step process. Here’s how the application unfolds in more detail:
- Visit boursorama-banque.com and navigate to the homepage.
- Click on the “Become a customer” button and begin filling out the online form with your personal information.
- Select the type of Ultim Card you want: either immediate debit or deferred debit, based on your income.
- Upload required documents, including a valid national ID, a recent proof of residence, and income verification if necessary.
- Review and sign the contract electronically using Boursorama’s secure signature platform.
Once your application is approved, you will receive your physical card by mail or get immediate access to your digital card.
Interest Rates and Card Fees
This section explains what fees apply when using the card. Most of the time, you won’t pay anything extra. However, there are charges in specific cases:
- Annual fee: €0, meaning the card is completely free to hold year-round.
- Euro payments and withdrawals: Unlimited usage with no fees across the Eurozone.
- Foreign currency withdrawals: You get three free withdrawals per month abroad, after which each incurs a 1.69% charge.
- Card reissue fee: Replacing a physical card will incur a fee of €9 in the event of loss or damage.
- Overdraft or failed payment penalties: Charges apply depending on your account conditions and usage patterns.
There’s no interest rate because this is a debit card. However, if you opt for deferred debit, ensure your account remains in credit to avoid penalties.
Insurance and Assistance Coverage
The card includes insurance for various travel-related problems. You’re automatically covered when using the card to pay for services. Here’s what’s included:
- Baggage delay: Compensation for urgent purchases
- Lost or stolen baggage: Refunds for items entrusted to carriers
- Winter sports: Snow and mountain emergency guarantees
- Rental vehicle damage/theft: Coverage for rental cars in case of loss
Make sure to review Boursorama’s insurance contract for exact coverage details and exclusions.
Payment and Withdrawal Limits
The card offers adjustable spending limits through the mobile app. These limits depend on whether you choose immediate or deferred debit.
You can change your limits once the card is active. You can spend up to €20,000 over 30 days for card payments.
You can withdraw up to €2,000 over 7 days from ATMs. Use the app to set your limits based on your habits. Boursorama lets you modify these anytime with a few taps.
Digital and Mobile Integration
This card is compatible with all major mobile wallets. You can use it on your smartphone even before the physical card arrives.
Once your account is active, the card is ready to go. It works with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
You can pay in stores or online without carrying the physical card. This also makes it easier to monitor your spending. You’ll see real-time updates through the Boursorama app.
Customer Support and Assistance
Boursorama offers several ways to reach support. If you have questions during or after the application, help is available. Support is available online and by phone.
You can call +33 1 46 09 49 49 during business hours (France). The Boursorama website also has a chatbot and live help. Their online portal includes a full FAQ section. It’s available 24/7 for simple questions.
Final Thoughts: A Smart Option for Travelers in France
The Boursorama Banque Ultim Card is a great no-fee option for French residents. It offers free global payments, insurance coverage, and digital management tools.
You can apply online with minimal paperwork. Once approved, the card is ready for immediate use in stores and online.
Disclaimer: This card is issued after identity and eligibility checks. Insurance and benefits apply only when the card is used to pay for travel services.
