With the Internet, it is now possible to manage your accounts online, rarely going to your official bank. However, you may not know it, but today it is possible to have a bank account and even a RIB without going through a bank! Management fees are thus non-existent, you will simply have to pay when opening your account. This comes in handy for people who are prohibited from banking, for example, or for those who do not need more services and only use the account and RIB.
How to open an account without a bank?
It is very easy to open an account without a bank, it only takes a few minutes in most cases and you will only have a few documents to provide! To begin with you need to choose your neobank, you can find on the Internet the best bankless accounts with RIB. Once this is done, you will need to provide yourself with proof of identity, a mobile phone number and, if necessary, a means of payment to pay the account opening fees.
Once you have entered all the information, you will just have to wait a few hours / days before your account is officially activated. Note that some accounts can be opened in a physical location, which can come in handy if you cannot scan documents for example.
Who can open an account without a bank?
The advantage of this type of account is that it is accessible to the vast majority of the population. Indeed, in practice, you just need to be over 18 years old to claim an account with a RIB without a bank. This means that if you are in a situation of banking ban or if you are a student, a foreigner domiciled in France or still in debt, you can open an account without a bank. In addition, it is not necessary to prove regular income to be able to open such an account, which is a real plus.
Since you will have a RIB, you can receive and make transfers or receive your salary in your account without a bank.
However, it should be noted that you must have access to a mobile phone or a computer, or even both, to be able to use your account properly.
What are the limits of an account without a bank?
Despite all the strengths of the bankless account, there are a few small drawbacks to note, including the need for Internet access. However, nowadays even traditional banks require their customers to own a mobile or even a computer, this allows better management of accounts.
In addition, you should know that you will not have a checkbook and that you will not be able to deposit cash in most cases, even if there are exceptions, which is why you must take the time to assess your needs. Finally, overdrafts are rarely allowed on accounts without a bank and fees may be added to make withdrawals abroad, for example.