Founded in 2009 and authorized by the ACPR, Fortuneo is a French online bank and broker owned by Crédit Mutuel Arkéa, with around 750,000 clients. Thanks to its Fosfo offer, it is now open to everyone, and it covers almost every financial product a client could need. Our Fortuneo review is generally positive. So can you trust Fortuneo?
Who Is Fortuneo?
Fortuneo is one of the most popular online banks in France. In addition to investment products, Fortuneo offers almost all traditional banking services. Note, however, that only individuals can open a Fortuneo account without a card.
You may be wondering who is behind Fortuneo, or who owns the Fortuneo bank. First, it is a subsidiary of Crédit Mutuel Arkéa, and as a trading name of Arkéa Direct Bank, Fortuneo does not lack credibility. If you are wondering how the Fortuneo bank works, this public limited company has a Supervisory Board and an Executive Board. Fortuneo’s share capital amounts to €89,198,952, which has allowed the company to expand its services into insurance and trading. Its offering is very popular in France.
On related topics, our articles “Axiory Review” and “Saint Lucia Brokers 2026” are a good complement to this guide.
Fortuneo Regulation
Fortuneo offers legal services because it holds the authorizations needed to operate in France. It is regulated by the Autorité de Contrôle Prudentiel et de Résolution (ACPR). The financial institution is also authorized by the Autorité des Marchés Financiers (AMF). Fortuneo’s two service providers, ProCapital and Oddo BHF SCA, are also authorized by the ACPR and the AMF.
Can You Trust Fortuneo in 2026?
Professional and non-professional traders trust Fortuneo’s offers. Investing through Fortuneo gives you certain benefits once you sign up:
- The Fortuneo client area is very responsive;
- Secure Fortuneo payments are possible via all the “Pay” wallets: Google Pay, Apple Pay, Samsung Pay, etc.;
- The Fortuneo virtual Mastercard offers many benefits for secure online payments:
- Medical assistance abroad;
- Legal assistance abroad;
- Hospitalization and repatriation assistance;
- Replacement driver;
- An attractive Fortuneo Gold card limit;
- 24/7 concierge service for holders of the Fortuneo World Elite card.
- 1% cashback on your online purchases;
- Fast payments with the Fortuneo Black card or Fortuneo debit card;
- Contactless online payment, simply by logging in to Fortuneo;
- For stock market investing, a Fortuneo investment plan for beginners is available, along with affordable trading fees.
Is Fortuneo a Scam?
As part of our Fortuneo bank review, we looked into the security of transactions on its platform. The broker makes a point of working only with reliable service providers. As a result, no major scams involving Fortuneo have been reported.
Is There a Fortuneo France?
Yes, Fortuneo is a public limited company founded in France in 2009. It is a subsidiary of Crédit Mutuel Arkéa. It has 750,000 clients, some of whom are not based in France, but they can still easily use the bank’s services.
Which Fortuneo Account Type Do We Recommend?
For investing with Fortuneo, the broker offers three types of accounts, and it is up to you to decide which to choose:
- The standard securities account (CTO): with this account, you can invest your money on the main financial markets around the world, such as the CAC 40. It is not a joint account. You will also have a wide range of securities to trade;
- The PEA account: opening a Fortuneo PEA (plan d’épargne en actions, a French tax-advantaged stock savings plan) lets you direct your savings towards European companies listed on Euronext. This account gives you tax advantages;
- The PEA-PME account: if the PEA leaves you wanting more, the PEA-PME account offers more advantages for entrepreneurs. It is intended for those who want to invest only in European small and medium-sized enterprises. This account can bring several people together.
You can choose between four stock market investment plans. Your Fortuneo brokerage fees depend on the plan you choose. Note that a free Fortuneo bank card is available on the platform, and one investment plan is designed specifically for beginner traders.
Closing a Fortuneo account is an important process to be aware of, especially before choosing a specific account type. The bank lets you close your Fortuneo account easily: simply fill in an account closure form and follow a detailed procedure according to the terms and conditions. Note that some account closure fees may apply.
Key Dates in Fortuneo’s History
- 2009: Fortuneo is founded;
- April 2020: Fortuneo wins the “cheapest bank” award from Capital/Panorabanque.com;
- September 2020: third place for “best banks for students” from Le Parisien and Selectra, thanks to the Fosfo offer;
- October 2020: “gold trophy” from MeilleureBanque.com;
- October 2020: Fortuneo ranked second for premium online banking service by MeilleureBanque.com;
- September 2019: best bank in the Bankin ranking;
- January 2019: MeilleureBanque.com names Fortuneo the best online bank for senior executives, thanks to the Fortuneo World Elite card;
- January 2019: “cheapest bank” award from Le Monde;
- September 2018: “cheapest online bank” award from MeilleureBanque.com;
- September 2018: “gold trophy” from MeilleureBanque.com;
- March 2018: “cheapest bank” award from Capital/Panorabanques.com;
- June 2017: “best bank of 2016”, independent Bankin ranking;
- June 2017: “top bank for employees and business owners” from Label Capital;
- October 2016: “cheapest bank” award from Le Point and MeilleureBanque.com;
- December 2015: double award for “best mobile app” and “best project advisers” from MeilleureBanque.com;
- October 2015: “cheapest bank” and “bank trophy” from MeilleureBanque.com;
- November 2014: “best bank for seniors” from Challenges in partnership with MeilleureBanque.com;
- February 2014: “cheapest online bank” from Mieux Vivre Votre Argent;
- February 2013: “cheapest online bank” from Mieux Vivre Votre Argent;
- June 2013: “cheapest bank in 2013” from Capital;
- October 2013: “bank that charges you the least” from the bank comparison site L’Internaute;
- October 2012: “bank that charges you the least” from the bank comparison site L’Internaute;
- May 2012: “first in the overall ranking”, “first among the four best insurance contracts” thanks to Fortuneo Vie, and “first among the best savings accounts”, awards from Capital;
- February 2012: “2012 bank fees ranking” from Le Monde;
- June 2011: “lowest fees trophy” from Le Revenu;
- July 2011: “cheapest bank” from Capital;
- March 2010: “cheapest bank” award from Investir Magazine.
Awards Won by Fortuneo
From the very start, Fortuneo stood out among French financial institutions. The quality of its offers has earned it a number of awards.
- April 2020: Fortuneo wins the “cheapest bank” award from Capital/Panorabanque.com;
- September 2020: third place for “best banks for students” from Le Parisien and Selectra, thanks to the Fosfo offer;
- October 2020: “gold trophy” from MeilleureBanque.com;
- October 2020: Fortuneo ranked second for premium online banking service by MeilleureBanque.com;
- September 2019: best bank in the Bankin ranking;
- January 2019: MeilleureBanque.com names Fortuneo the best online bank for senior executives, thanks to the Fortuneo World Elite card;
- January 2019: “cheapest bank” award from Le Monde;
- September 2018: “cheapest online bank” award from MeilleureBanque.com;
- September 2018: “gold trophy” from MeilleureBanque.com;
- March 2018: “cheapest bank” award from Capital/Panorabanques.com;
- 2017: Qualiweb trophy for best customer relations in the Banking and Finance category;
- June 2017: “best bank of 2016”, independent Bankin ranking;
- June 2017: “top bank for employees and business owners” from Label Capital;
- October 2016: “cheapest bank” award from Le Point and MeilleureBanque.com;
- December 2015: double award for “best mobile app” and “best project advisers” from MeilleureBanque.com;
- October 2015: “cheapest bank” and “bank trophy” from MeilleureBanque.com;
- November 2014: “best bank for seniors” from Challenges in partnership with MeilleureBanque.com;
- February 2014: “cheapest online bank” from Mieux Vivre Votre Argent;
- February 2013: “cheapest online bank” from Mieux Vivre Votre Argent;
- June 2013: “cheapest bank in 2013” from Capital;
- October 2013: “bank that charges you the least” from the bank comparison site L’Internaute;
- October 2012: “bank that charges you the least” from the bank comparison site L’Internaute;
- May 2012: “first in the overall ranking”, “first among the four best insurance contracts” thanks to Fortuneo Vie, and “first among the best savings accounts”, awards from Capital;
- February 2012: “2012 bank fees ranking” from Le Monde;
- June 2011: “lowest fees trophy” from Le Revenu;
- July 2011: “cheapest bank” from Capital;
- March 2010: “cheapest bank” award from Investir Magazine.
Fortuneo at a Glance
Fortuneo stands out for the quality of its welcome offer, its services and the fees it charges its many clients. The key information about this online trading platform is summarized in the following table, so you can grasp the essentials about Fortuneo at a glance.
Reviews from Clients Who Have Used the Broker
New clients often leave many reviews about banks such as BforBank or Fortuneo. Find out what clients think of the services offered through their Fortuneo reviews.
Fortuneo Customer Reviews 2021 | Fortuneo Rating 2021 | |
René’s review of Fortuneo | Avoid | ★☆☆☆☆ 1/5 |
Jean Pierre’s opinion of Fortuneo | Fortuneo is not a bank… don’t waste your time with these clowns…. | ★☆☆☆☆ 1/5 |
David Louise’s review of the broker Fortuneo | I am writing this message because I am saddened to see so many bad reviews. Celine, I think one phone call will sort out your bonus problem. My brother had made a mistake and it was sorted out in 5 minutes. Their phone hours are also very long, and they don’t even charge a premium rate on their phone line. To those who were charged for card inactivity, you just need to make one payment a month. It is explained in the fee schedule, which is very well explained. If that is too complicated, just set up an automatic monthly online payment, even 1 cent, and it works. Even if you pay inactivity fees at Fortuneo, it is still cheaper than an active traditional account. At a high-street bank you are charged automatically, active or not, so you always lose out. Whereas at Fortuneo, you really have the option of not paying. And the welcome bonus is so high that it won’t all be eaten up for at least a year, so that’s fine… It is so free that even the chequebook and paying-in book are sent to you free of charge! And even envelopes with the address already written on them! (no joke) There are few paid services, and there are no hidden fees. The price of each service is clearly shown in their fee schedule. These are very specific cases. Online banks may not suit everyone, but Fortuneo is perfect for anyone who needs a bank they can do everything with themselves, quickly. You need to know how to use a computer and be one of those people who know how to and like to do things themselves. Their website is just perfect: at my first bank I had to call several times to carry out simple operations, especially when adding a foreign beneficiary’s IBAN, whereas with Fortuneo I can do everything myself: changing limits, blocking and unblocking my card. Their virtual card system works really well, and their notification system is particularly well thought out… My review is sincere. I don’t work for them, I am just a very happy client who recommends Fortuneo to anyone who likes being free and managing their own affairs. | ★★★★★ 5/5 |
Lucie’s review on a Fortuneo forum | The account balance is never up to date, always a few days behind, and the “upcoming direct debits” column doesn’t show much… So when you check your balance before making a purchase, either the card payment is declined, or you pay a very high fee (more than €100) by writing a cheque without enough money in the account. | ★★★☆☆ 3/5 |
Richard’s opinion of the broker Fortuneo | Account closed Their customer service is outsourced and can’t access any data. Closing the account takes 3 months… They don’t accept electronic signatures. Fees every month even without using the account… I lost a bit of money and a lot of time because of them… I don’t recommend it | ★☆☆☆☆ 1/5 |
Fortuneo broker review by Xavier Roux | Great bank. I recommend it 100%. A modern bank with no extra fees that meets my expectations. My referral code: 13008344 | ★★★★★ 5/5 |
Fortuneo broker opinion by Francianna Boc | Account closed. They asked me for my bank details to transfer the money to my main account. So far, no transfer. I don’t want to hear about this bank anymore | ★☆☆☆☆ 1/5 |
Fortuneo consumer review by Emmanuelle Henry | It took them 5 months to open my account.. | ★★☆☆☆ 2/5 |
Damien’s opinion of Fortuneo | Scandalous car insurance service. After cashing the first payment, no more replies despite my many reminders, so I was billed for insurance I never received. Apparently I am not the only one. Avoid Fortuneo car insurance. In addition, bank transfers via Fortuneo are becoming more and more complicated, even impossible: you have to insist many times before they finally agree to make the transfers. Simply scandalous. | ★☆☆☆☆ 1/5 |
Marc Dubois’s review of Fortuneo | Well, I wanted to open an account and, like last time, it doesn’t work. You receive a file number by email. You have to enter your file number, which takes you to a client login that I don’t have because I don’t have an account yet. So it is impossible to create or complete anything. Customer service? Estimated waiting time under 5 minutes; after more than 30 minutes I gave up. In conclusion: a headache to create an account and customer service you can’t reach. I dread to think how stressful it must be at the slightest problem. I am going to try Boursorama, hopefully it won’t be another headache. | ★☆☆☆☆ 1/5 |
Philipe’s review on a Fortuneo forum | To my great surprise, since I became a Fortuneo client (several years now), I haven’t had anything to complain about so far (current account, Livret A, Livret+, PEA). I also had an account opened for my wife without any problem (apart from the ridiculous 0.10% interest rate on the Livret+). I had a problem between Boursorama and Fortuneo, but the fault does not seem to lie with Fortuneo (I am still surprised that a Fortuneo account can be credited when the account holder’s name is wrong??? so there is no check?). In any case, Customer Service called me back on its own initiative, which is quite surprising! Lately, however, they seem to be outsourcing client calls and the person on the line is not always very friendly, which was not the case before. But apart from that, touch wood, long may it last! | ★★★★☆ 4/5 |
Amoros Celine’s review of the broker Fortuneo | I never received the €150 welcome offer for opening a Gold card. They have been giving me the runaround for months, it is unacceptable. It is written in the contract I signed. | ★★☆☆☆ 2/5 |
Balkis H.’s review of the broker Fortuneo | Help! I logged into my Fortuneo trading account and found that they had closed my PEA without warning me because of a garnishment order! Without informing me! The nightmare doesn’t stop there! They caused me a loss of €20,000, yes twenty thousand euros! I can’t sleep anymore! I work hard to put this money aside and now this! I wrote a complaint email! No reply, and my money is still blocked! I contacted a mediator… they will intervene within two months of my email; so far no reply from Fortuneo!!! I am going to hire a lawyer! If anyone has been through this nightmare, please reply to me… they are inhuman! No ethics! I am devastated! | ★☆☆☆☆ 1/5 |
Michel PERRIN’s opinion of Fortuneo | Transferred a PEA to Fortuneo. Don’t make this mistake. First they claimed the transfer slip from my bank was missing (which had of course been sent). I sent it to them myself by email. They confirmed receipt (because I called them back!). They guaranteed that my funds would be released the next day. That was exactly 7 days ago. Do they have cash-flow problems, to stop me from investing? Phone customer service that knows how to apologize, but nothing more. Avoid. I made a mistake. It is the worst. You feel like an idiot. | ★☆☆☆☆ 1/5 |
Romain NEVERS’s review of FORTUNEO | By email or phone, never any reply, or a very slow one. I would rather go back to my high-street bank in the end; it was really good, even if more expensive for some services | ★★☆☆☆ 2/5 |
FORTUNEO broker opinion by Mathieu GUIBETEAU | Unwritten rules that are not in the Terms and Conditions and that vary from one adviser to another. I deposited an amount by cheque, from an account that belongs to me (and is funded). They justify an initial waiting period of 10 days, then once that period is over, when I call to make the transfer, there are apparently rules that require me to wait another week. I don’t pay a cheque into my account for the money never to be available. I had the same problem with transfers: they pull rules out of a hat as soon as transfers exceed a certain amount… always making you wait to use what is MY money. | ★☆☆☆☆ 1/5 |
Charles COATALEM’s review on a FORTUNEO forum | Because of Covid, my plane tickets were cancelled. | ★☆☆☆☆ 1/5 |
| Read Reviews |
Sources: Trustpilot, iGraal
Fortuneo won the award for the cheapest online bank in 2019. Note that the very first business that made this credit institution known was online trading, and stock trading and online brokerage remain Fortuneo’s flagship activities. Find out why this credit institution is so popular with French clients and even beyond France’s borders.
Fortuneo Reviews Table
There are plenty of Fortuneo reviews online, because clients are demanding and regularly share their views on the quality of service they receive. We have selected the most relevant Fortuneo trading reviews to give you an overview of what the platform’s users think. Internet users seem to have better reviews of Vantage.
Fortuneo Customer Reviews 2021 | Fortuneo Rating 2021 | |
Bastien Ussuf’s review of Fortuneo | The Gold cards are great | ★★★★★ 5/5 |
Aurélien’s opinion of Fortuneo | Probably one of the best online banks!! | ★★★★★ 5/5 |
Darche’s review of the broker Fortuneo | Fortuneo: a bank to avoid. All they care about is your money. Very difficult to reach someone who can answer your questions. You can spend hours on the phone being passed from department to department, not to mention the wait each time. And when you think your requests have been taken into account, they haven’t! No follow-up. | ★☆☆☆☆ 1/5 |
Rodolphe’s review of Fortuneo | That’s final: account closed following a mortgage application. | ★☆☆☆☆ 1/5 |
Pierre Guimard’s review of Fortuneo | An extremely mediocre bank in terms of customer service. Completely dishonest, with undue charges on so-called dormant accounts (which, of course, they refuse to close) | ★☆☆☆☆ 1/5 |
Laurent Wingel’s review of Fortuneo | A scam with the referral offers: they ask you to follow a strange procedure for the final opening of the PEA and at the same time they open an investigation into the referral and tell you that you did not meet the conditions. | ★★☆☆☆ 2/5 |
Opinion of a disappointed client of Fortuneo | Application rejected without reason at first, as I understand that the bank details did not come from a “real” bank. Yet I have an account with another bank, and instead of asking me for other bank details, the application was rejected…. Fortunately Boursorama was less hasty and simply took the trouble to ask me for other bank details. Elitism without discernment, what is the point? | ★★★☆☆ 3/5 |
Zaoui’s review of Fortuneo | Honestly, I will only talk about the trading side, which is all I have. Customer service is fairly responsive by phone and the person on the line is efficient. However, fees on US exchanges are very high; I don’t recommend it for a securities account. For the PEA it is very fair and the app is good. | ★★★★★ 5/5 |
Alain Laybros’s opinion of Fortuneo | The price of services and the bonuses paid on opening should not excuse an online bank from providing impeccable service, especially when there is no branch | ★★★★☆ 4/5 |
Béatrice’s review of Fortuneo | Appalling customer service. Following an unpaid cheque of 10 euros at my former bank, I was banned from using cheques. Fortuneo blocked all my means of payment, including my card, and never made any payment easier. With 2 young children, including 1 baby, they advised me to pay for my groceries by bank transfer. | ★★★☆☆ 3/5 |
Pa Strauss’s review of Fortuneo | I have been a client of this bank for 7 years and I am generally satisfied. | ★★★★★ 5/5 |
Tony’s opinion of Fortuneo | Extremely satisfied with this online bank! | ★★★★★ 5/5 |
Jean Marc Bauchet’s review of Fortuneo | Extremely satisfied with this online bank! | ★★★★★ 5/5 |
Mrs RIVERO JENIFER’s opinion of Fortuneo | They made an offer of a free Gold card and a €130 bonus for choosing this card! | ★☆☆☆☆ 1/5 |
MORET BRUNO’s review of Fortuneo | Good luck to anyone who tries their luck opening an account with them. | ★☆☆☆☆ 1/5 |
Xavier C’s opinion of Fortuneo | Now this really takes the cake… I open a securities account online, receive all my login details and make an initial deposit (of 5,000, no less…)… And surprise: the transfer is rejected… by Fortuneo, reason: the funds do not come from the bank account you entered when signing up… | ★☆☆☆☆ 1/5 |
Manu Master’s review of Fortuneo | Utterly useless | ★☆☆☆☆ 1/5 |
Source: Trustpilot; iGraal
Fortuneo’s Full Banking Offer
To get a complete picture of Fortuneo, you need to look at the full range of banking services it offers.
The World Elite CB Mastercard
This is a prestigious bank card that gives you easy access to a number of services. The card is free, and the bank charges no fees abroad. The card is subject to conditions: to get it, you must have net monthly income of 4,000 euros, to be proven when opening the account. You must also pay 4,000 euros into your Fortuneo account every month. If there is no monthly transfer, the bank charges you 50 euros per quarter.
The services that make the World Elite CB Mastercard special include:
- No fees on card payments and withdrawals in France and abroad
- Free secure online payments
- Free payments and withdrawals in euros
- Free card cancellation
- Can be deactivated by default and activated from the client area free of charge
- The daily withdrawal limit is 900 euros and the weekly limit is 1,600 euros.
In France or abroad, this card lets you shop while enjoying the following benefits:
- A dedicated personal area where you can access your personal information, certificates and insurance claims in just a few clicks
- Specific payment and withdrawal limits
- Enhanced assistance and insurance cover
- A concierge service: a personal assistant available 24/7
- A World Elite concierge service: an exceptional service inspired by the finest hotels.
- Access to Priceless Cities, the program that gives you access to incredible experiences in culture, art, sport, gastronomy, travel, shopping and leisure in France and in 47 cities around the world.
The CB Mastercard
This offer is available to people with net monthly income of 1,200 euros or savings of 5,000 euros paid to Fortuneo by cheque on signing up. Daily and weekly withdrawals are capped at 500 euros, while the daily and weekly payment limit is 1,500 euros.
The Gold CB Mastercard
To access this offer, you must have net monthly income of 1,800 euros when signing up or already hold 10,000 euros in savings with Fortuneo. With the Gold CB Mastercard, the withdrawal limit is 900 euros per day and 1,000 euros per week.
Fortuneo’s Flagship Offer: Fosfo
Some financial institutions, such as the online banks Fortuneo and Boursorama, have a flagship offer with unique benefits for clients. Since 2019, Fortuneo has offered its clients a banking offer called Fosfo. It has no income requirement, is free and charges no fees to people living outside France. Users of this offer get a Mastercard with systematic authorization. The benefits of Fosfo are:
- A bank account, with direct debits, transfers and a banking app
- A Mastercard with systematic authorization and contactless payment
- An authorized overdraft, available after six months as a client
- A chequebook (cheques are paid in by post)
- Access to Fortuneo’s full range of credit and savings products.
Diversifiez votre patrimoineInvestissez dans l’artDes tableaux originaux, pièces uniques signées par l’artiste. Un actif tangible, loin des écrans et des cotations.Voir les tableaux →Fortuneo’s American Express Offer
The American Express offer is available to clients with a Fortuneo current account. This service offers great payment freedom and a fairly generous loyalty program. With American Express, you can choose between 3 offers:
The American Express Green Card
This card is free for the first year and available with a current account. You must have a minimum gross annual income of 20,000 euros to get it. The card has several benefits:
- Payment freedom and flexible spending capacity
- Weekly withdrawals capped at 300 euros in France and 900 euros abroad
- Loyalty points awarded on every purchase
- Real-time tracking of your spending from the American Express client area.
The American Express Gold Card
The Gold card is free for clients with a Fortuneo current account and a minimum gross annual income of 35,000 euros. In the first few months, you can receive an 80-euro refund once you spend 800 euros. The features of this offer are:
- Attractive offers at many retailers and shopping events
- Loyalty points on every purchase that can be turned into gifts
- The chance to get early access to tickets for the biggest shows
- Online travel agency services with exclusive benefits.
You also benefit from certain insurance services with the Gold card, namely:
- Purchase protection
- Medical assistance and medical expenses
- Rental vehicle cover
- Trip cancellation and postponement insurance
- Travel incident insurance
- Travel assistance
The American Express Platinum Card
If you were happy with the Fortuneo Gold card, the Platinum card will convince you even more. Unlike the other cards, the Fortuneo Platinum card is not free. It costs 55 euros and gives its user 30,000 points. Several benefits come with this card:
- Free, unlimited access to more than 1,200 airport lounges worldwide
- A Platinum Concierge service available 24/7
- VIP access to major events and to 90 of the most sought-after restaurants in France
- The Platinum Travel Agency to organize your trips
- Discounts, cashback and many personalized offers at major retailers.
Savings Offered by Fortuneo
Planning for the future requires effective, flexible and secure savings. Fortuneo’s Livret+ savings account lets you grow your savings with no risk of losing your capital. Deposited funds are always available, with a variable gross interest rate of 0.10%. You can deposit from 10 euros. The transfer limit for savings is set at 10 million euros, and interest is calculated every fortnight. If you run a Fortuneo simulation, you will see that the savings account is very advantageous:
- €0 opening fees
- €0 deposit fees
- €0 withdrawal fees
- €0 account maintenance fees.
Fortuneo Insurance Plans
Thanks to its excellent reputation, Fortuneo has also entered the insurance market, offering protection services for people and their cars.
Life Insurance
Fortuneo life insurance is a solid way to finance your projects. To secure your investment, the broker relies on 4 strengths that form the basis of its offer:
- attractive returns: the life insurance offer provides a contract with regular, attractive returns on euro funds;
- sign-up fees: Fortuneo insurance membership fees are €0, as are payments. However, specific fees apply to payments into SCIs, SCPIs, ETFs and OPCIs. Management fees are also competitive.
- easy account management: you can manage everything related to your insurance contract directly online via the mobile app or the website.
- quality support: Fortuneo provides its clients with advisers available to help them manage their insurance contract effectively.
Car Insurance
Another Crédit Mutuel Arkéa subsidiary, Suravenir Assurances, handles Fortuneo’s car insurance. Whatever plan you choose, policyholders get benefits such as personal driver cover of up to €500,000 and extension of personal driver cover to rented or borrowed vehicles. In addition, 0 km roadside assistance is provided to all users.
Here are the three car insurance plans available, so you can form your own opinion of Fortuneo’s Suravenir offer:
- Third-party plan: provides civil liability cover (bodily injury and property damage to third parties).
- Third-party plus plan: in addition to the third-party plan’s benefits, it covers you for theft or attempted theft, fire, broken glass, storms and natural disasters.
- Comprehensive plan: in addition to the risks covered by the other plans, this plan covers all accidental damage and vandalism. Your vehicle is also covered if it is declared economically beyond repair within 6 months of first registration (6-month new-for-old value), and you can benefit from a minimum compensation value for a covered claim.
You can add to your plan with the options available on the website:
- Replacement vehicle
- Purchase value guarantee for 4 years
- Cover for vehicle contents and accessories
- Mechanical breakdown cover
- Driver cover up to €1,000,000
- 3 deductible levels.
Fortuneo Mortgages
Fortuneo supports its clients in their life projects. The online bank lets you take out a mortgage at competitive rates. You can borrow between 80,000 euros and 2,000,000 euros at fixed rates over 7 to 25 years. The bank spares you unnecessary costs such as arrangement fees and, to some extent, early repayment penalties. To get a complete picture of Fortuneo mortgages, note that the borrower must contribute at least 10% of the total project amount before applying for the loan. Borrowers must also cover ancillary costs such as notary fees.
Fortuneo Fees for 2026
For stock market investing, Fortuneo offers four investment plans, and brokerage fees are charged on orders according to the plan you choose.
Fortuneo trading fees | Fees |
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Leverage and Instruments Offered
If you want to use leverage or change it, you need to go to the platform. From your client area, click the “Profile and settings” tab, then the “Trading configuration” section and finally the “Leverage” section.
Note that to get 3x leverage, you can make all the changes and fill in the form online. However, for 5x leverage, you need to print and fill in a dedicated form, sign it, scan it and send it to Fortuneo by post, fax or email.
To grant you 5x leverage, Fortuneo’s teams must first analyze your profile. You will receive a reply within ten days of your request being received.
Fortuneo Platforms for Investing in Stocks
Fortuneo is an online bank that also lets you invest in stocks online. To access the stock market, you can use its two trading platforms. Here is a table summarizing the features of the platforms offered by Fortuneo.
Features | Live Trader | ProCapital |
Products |
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Mobile version | Not available | Available |
Account types | Standard securities account, PEA, PEA-PME | Standard securities account, PEA, PEA-PME |
Special features |
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Slippage and Order Execution: Execution Speed
The broker executes your buy and sell orders for CFDs, stocks, bonds or any other derivatives through its two service providers: ProCapital and Oddo BHF SCA. These providers are instructed to place clients’ orders exactly as their authors have worded them and as quickly as possible.
Fortuneo Analysis Tools
To help you invest as rationally as possible, Fortuneo provides several analysis tools:
- the screener;
- Live Trader;
- numerous stock market news alerts.
Before you start, you can find out more about investment funds. Fortuneo offers tools to research a fund:
- The detailed fact sheet to assess: risk level, performance, Sharpe ratio, fund manager, Morningstar rating, simplified prospectus, etc.
- Fund management news: to keep up with news flow.
- The Investment Guide: for questions about funds (UCIs) and collective management
Tools are also available to help you build a portfolio:
- The multi-criteria selector
- The comparison tool
- The rankings
- Model portfolios.
With these tools, you can carry out your technical analysis and view price charts for the products you have invested in or want to invest in. This makes it easier, for example, to compare Boursorama and Fortuneo on the CAC 40.
Training Programs Available on the Website
Fortuneo’s website lets traders who want to become more skilled learn through several resources:
- Newsletter: through Fortuneo’s newsletter, you can receive articles on stock market fundamentals;
- Streaming courses: live courses are given on the Fortuneo platform;
- Expert analyses are also published regularly;
- Stock market guides are available on the Fortuneo website.
Customer Service Review
The Fortuneo client area is known for being fast and efficient. Its team is made up of advisers and wealth management experts who will guide you as well as possible in your stock market investments.
You can reach Fortuneo customer service via:
- Phone: 02 98 00 29 22; +33 2 98 00 29 22 (from abroad);
- Chat via the website: www.fortuneo.fr
- Mobile website: m.fortuneo.fr
How to Become a Fortuneo Affiliate
Fortuneo’s referral program is very attractive. The referrer receives a bonus of 110 euros, while the referred person gets 130 euros after opening a Fortuneo PEA or trading account. Note that both the referrer and the referred person must meet certain Fortuneo terms and conditions to receive these bonuses by transfer.
For the referrer:
- Be of legal age;
- Have at least 500 euros in assets with Fortuneo;
- Have a Fortuneo deposit account;
- Refer a maximum of 10 people.
For the referred person:
- Be of legal age;
- Not already have a Fortuneo trading account, otherwise the account may be closed;
- Make a deposit of at least 1,000 euros. Note that when the referred person transfers their account from another broker to Fortuneo, the 1,000-euro deposit is not required.
How to Contact Fortuneo
You can contact Fortuneo through several channels:
- Phone: 02 98 00 29 22; +33 2 98 00 29 22 (from abroad);
- Chat via the website: www.fortuneo.fr
- Mobile website: m.fortuneo.fr
Negative Reviews of the Broker
Some clients, comparing Fortuneo with Boursorama, criticize Fortuneo for long processing times for their files and other requests, such as closing a Fortuneo PEA. They even claim that Fortuneo’s client service is now outsourced to other companies, and say they had trouble finding out how to close their Fortuneo account.
This situation is said to cause several inconveniences. It is increasingly common for the operator on the other end of the line not to know Fortuneo’s procedures. Worse, two operators sometimes give different information to a Fortuneo client who calls customer service twice to solve the same problem.
Summary: Pros and Cons
Our Fortuneo review is generally positive: Fortuneo is not only a financial and insurance institution but is also authorized as an investment services provider. This broker offers several advantages and a few drawbacks.
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Is Fortuneo a Good Broker in 2026? Our Verdict
The Fortuneo app applies the AMF’s and ACPR’s recommendations on the security a financial institution must provide to its clients. Comparing Hello Bank and Fortuneo, the Fortuneo bank offers almost complete financial services that extend to insurance and stock trading. On this last point, our Fortuneo review is generally positive.
However, a better alternative for trading different markets with CFDs would be the broker Vantage. This broker offers easy-to-use instruments and leverage. Its brokerage fees are also affordable for all traders, beginners and professionals alike, not to mention the 50% welcome bonus on the first deposit.
Have you used Fortuneo and want to share your experience? Leave us a comment!