Fortuneo review

Fortuneo charges a monthly fee of €0 for the account and its card. That sits alongside free monthly fees at Monzo Flex at £0 and Wise at £0. The monthly cost is therefore not what separates Fortuneo from the other cards here.

It is a debit card, not a credit card. Spending comes straight from the money in the account rather than from a borrowing arrangement. There is no credit line to manage or repay, which is the practical difference for anyone choosing between card types.

Fortuneo's card runs on mastercard, and cards on that network account for 38.9% of the brands in this comparison. It is worth checking which network the shops, terminals and cash machines you use accept most often, because that choice matters more day to day than a small fee difference.

Fortuneo charges €0 and Wise charges £0 monthly, with Monzo Flex at £0 and the BMW Card von American Express at $0. On the monthly fee alone the four are level, so compare card type and network instead.

Free plans cover 79.5% of the brands here, and the median monthly fee is €0. Fortuneo's €0 is the norm rather than an edge, with charges running from €0 to €99 across the site.

It appears here as a bank account with a debit card on the mastercard network. Debit cards are the type used by 74.7% of brands in this comparison, which is why a plain bank card shares the list with exchange-linked ones. Readers chasing crypto features should look elsewhere.

Free withdrawals are the exception in this category. The site median free allowance is €0, with the upper quartile reaching €118.23. A monthly fee of €0 is separate from that, so cash machine charges deserve their own line in any comparison.

Fortuneo suits everyday spenders who want a Mastercard debit card at €0 a month and who care about the mastercard network more than added perks. Readers who want crypto features, or a card tied to a brand partnership, have better fits among the alternatives.