# Overseas Bank Account **URL:** \ **Category:** Financial Chat\ **Created:** [18 May 2024 19:14 UTC](https://community.monzo.com/t/overseas-bank-account/163729 "2024-05-18T19:14:18Z")\ **Posts on this page:** 20\ **Page:** 6
**Author:** ![mastercardnevervisa](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/mastercardnevervisa/32/88935_2.png) [@mastercardnevervisa](https://community.monzo.com/u/mastercardnevervisa)\ **Post date:** [10 February 2025 19:53 UTC](https://community.monzo.com/t/overseas-bank-account/163729/121 "2025-02-10T19:53:52Z")
Curve?? ---
**Author:** ![BT1](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/bt1/32/105608_2.png) [@BT1](https://community.monzo.com/u/BT1)\ **Post date:** [10 February 2025 20:16 UTC](https://community.monzo.com/t/overseas-bank-account/163729/122 "2025-02-10T20:16:50Z")
Curve would count as a UK issued card and UK BIN number, so ATMs can charge an extra fee as you’re using a foreign card. It’s up to the bank or whoever runs the ATM to set or waive the foreign card fee. Cards issued in the EU with a BIN number of an EU country have to be treated the same as all local cards would that country - so no additional foreign card fees. If the local card’s ATM fee is zero, then it should be zero for all EU cards. If it’s €5 for local cards, then €5 for all EU cards. ---
**Author:** ![Arnie7](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/arnie7/32/108404_2.png) [@Arnie7](https://community.monzo.com/u/Arnie7)\ **Post date:** [10 February 2025 20:18 UTC](https://community.monzo.com/t/overseas-bank-account/163729/123 "2025-02-10T20:18:56Z")
Santander ATMs do contactless so a virtual card would work. ---
**Author:** ![Arnie7](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/arnie7/32/108404_2.png) [@Arnie7](https://community.monzo.com/u/Arnie7)\ **Post date:** [10 February 2025 20:21 UTC](https://community.monzo.com/t/overseas-bank-account/163729/124 "2025-02-10T20:21:56Z")
There’s also Bankera (emoney), and the French borsobank which is free if you do a transaction each month. ---
**Author:** ![Urpert](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/urpert/32/111346_2.png) [@Urpert](https://community.monzo.com/u/Urpert)\ **Post date:** [10 February 2025 21:10 UTC](https://community.monzo.com/t/overseas-bank-account/163729/125 "2025-02-10T21:10:00Z")
I think Ma French Bank is also available outside France. Edit: looks like it is on the way out! ![IMG_0063](https://global.discourse-cdn.com/monzo/original/3X/e/a/ea2372214ed28165d8de0e06a6c4d6a6be4444b9.png) ---
**Author:** ![Urpert](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/urpert/32/111346_2.png) [@Urpert](https://community.monzo.com/u/Urpert)\ **Post date:** [10 February 2025 21:19 UTC](https://community.monzo.com/t/overseas-bank-account/163729/126 "2025-02-10T21:19:28Z")
Also not convinced you can open Boursobank without an existing French RIB (untranslatable but basically proof that you already have a French bank account): ![IMG_0064](https://global.discourse-cdn.com/monzo/original/3X/4/0/4025d8e160d626e48c34ed0e12eecdeddf6eee73.jpeg) ---
**Author:** ![Arnie7](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/arnie7/32/108404_2.png) [@Arnie7](https://community.monzo.com/u/Arnie7)\ **Post date:** [10 February 2025 21:27 UTC](https://community.monzo.com/t/overseas-bank-account/163729/127 "2025-02-10T21:27:29Z")
It’s been done by somebody sending them a Starling statement as far as I can recall. ---
**Author:** ![BT1](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/bt1/32/105608_2.png) [@BT1](https://community.monzo.com/u/BT1)\ **Post date:** [10 February 2025 21:38 UTC](https://community.monzo.com/t/overseas-bank-account/163729/128 "2025-02-10T21:38:32Z")
BBVA Spain also allows non resident accounts but has to be in branch > **[¿Cómo se abre una cuenta bancaria en España sin ser residente?](https://www.bbva.es/finanzas-vistazo/ef/finanzas-personales/abrir-una-cuenta-bancaria-en-espana-sin-ser-residente-asi-puedes-hacerlo.html)** > > Si no eres residente, te explicamos cómo abrir cuenta bancaria en españa sin ser residente en el país. Entra en BBVA e infórmate. And the debit card looks nice and simple ![IMG_3937](https://global.discourse-cdn.com/monzo/original/3X/9/1/91e8d4d4a21c19281a197860d56e30609682dc3c.jpeg) ---
**Author:** ![Urpert](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/urpert/32/111346_2.png) [@Urpert](https://community.monzo.com/u/Urpert)\ **Post date:** [10 February 2025 21:53 UTC](https://community.monzo.com/t/overseas-bank-account/163729/129 "2025-02-10T21:53:34Z")
I might try, a French IBAN would be pretty useful to me. ---
**Author:** ![Arnie7](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/arnie7/32/108404_2.png) [@Arnie7](https://community.monzo.com/u/Arnie7)\ **Post date:** [10 February 2025 22:20 UTC](https://community.monzo.com/t/overseas-bank-account/163729/130 "2025-02-10T22:20:46Z")
If nothing else those two would help our French and Spanish 🤣 ---
**Author:** ![Hunk\_of\_Cheese](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/hunk_of_cheese/32/101777_2.png) [@Hunk\_of\_Cheese](https://community.monzo.com/u/Hunk_of_Cheese)\ **Post date:** [11 February 2025 17:40 UTC](https://community.monzo.com/t/overseas-bank-account/163729/131 "2025-02-11T17:40:39Z")
…with the added bonus of notifications, unlike UK Santander accounts ![IMG_4061](https://global.discourse-cdn.com/monzo/original/3X/6/4/6464c4d0a039aa7454cf7d48c3ee32065fb8163a.jpeg) ---
**Author:** ![BT1](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/bt1/32/105608_2.png) [@BT1](https://community.monzo.com/u/BT1)\ **Post date:** [11 February 2025 17:50 UTC](https://community.monzo.com/t/overseas-bank-account/163729/132 "2025-02-11T17:50:03Z")
You opened the account already or had one from before? ---
**Author:** ![Hunk\_of\_Cheese](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/hunk_of_cheese/32/101777_2.png) [@Hunk\_of\_Cheese](https://community.monzo.com/u/Hunk_of_Cheese)\ **Post date:** [11 February 2025 18:46 UTC](https://community.monzo.com/t/overseas-bank-account/163729/133 "2025-02-11T18:46:10Z")
No, it’s an old account, but I’ll be closing it next time I visit a branch and opening the account you linked further upthread. I don’t see why I should pay €30 a month when I can get an identical account for free. ---
**Author:** ![Urpert](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/urpert/32/111346_2.png) [@Urpert](https://community.monzo.com/u/Urpert)\ **Post date:** [11 February 2025 20:10 UTC](https://community.monzo.com/t/overseas-bank-account/163729/134 "2025-02-11T20:10:14Z")
It’s a definite no to BoursoBank unless you have French tax residency: ![IMG_3427](https://global.discourse-cdn.com/monzo/original/3X/6/0/60452e180ea376ba9edc7f33a1a40ec41c42a214.png) ---
**Author:** ![Arnie7](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/arnie7/32/108404_2.png) [@Arnie7](https://community.monzo.com/u/Arnie7)\ **Post date:** [11 February 2025 21:07 UTC](https://community.monzo.com/t/overseas-bank-account/163729/135 "2025-02-11T21:07:18Z")
Shame. I looked at it some months back and that condition wasn’t there. ---
**Author:** ![Hunk\_of\_Cheese](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/hunk_of_cheese/32/101777_2.png) [@Hunk\_of\_Cheese](https://community.monzo.com/u/Hunk_of_Cheese)\ **Post date:** [11 February 2025 21:36 UTC](https://community.monzo.com/t/overseas-bank-account/163729/136 "2025-02-11T21:36:30Z")
I have no need for a French account, but is this any cop? Despite the awful name it’s part of Credit Agricole: > **[Opening a French bank account is easy - CA Britline](https://www.britline.com/support/opening-an-account-sec)** > > The account opening process: Check your eligibility - check your supporting documents- Complete your application and upload your documents - Telephone interview- Changing bank to Britline ---
**Author:** ![Doug\_hboy](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/doug_hboy/32/109151_2.png) [@Doug\_hboy](https://community.monzo.com/u/Doug_hboy)\ **Post date:** [11 February 2025 21:40 UTC](https://community.monzo.com/t/overseas-bank-account/163729/137 "2025-02-11T21:40:57Z")
If WISE was used at an ATM in the EU it wouldn’t attract any fees as it has a Belgium IBAN? ---
**Author:** ![projectfortytwo](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/projectfortytwo/32/82645_2.png) [@projectfortytwo](https://community.monzo.com/u/projectfortytwo)\ **Post date:** [11 February 2025 21:43 UTC](https://community.monzo.com/t/overseas-bank-account/163729/138 "2025-02-11T21:43:18Z")
> [@Hunk\_of\_Cheese](#): > > Credit Agricole They will even send you a cheque book! ---
**Author:** ![projectfortytwo](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/projectfortytwo/32/82645_2.png) [@projectfortytwo](https://community.monzo.com/u/projectfortytwo)\ **Post date:** [11 February 2025 21:45 UTC](https://community.monzo.com/t/overseas-bank-account/163729/139 "2025-02-11T21:45:34Z")
> [@Doug\_hboy](#): > > fees I have been charged fees at ATMs. Despite the IBAN on the Euro sub-account, the primary account this UK and the card is UK issued, which I believe triggers the fees. I’ve gone with Bankera for free ATM withdrawals in the EU. ---
**Author:** ![Urpert](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/urpert/32/111346_2.png) [@Urpert](https://community.monzo.com/u/Urpert)\ **Post date:** [11 February 2025 21:51 UTC](https://community.monzo.com/t/overseas-bank-account/163729/140 "2025-02-11T21:51:58Z")
It’s one I looked at when I was thinking about buying a ‘real’ property (rather than the mobile home I ended up with). It’s pretty old school French (monthly charges, debit card charges etc) and IIRC requires a minimum deposit of something like €3500. For what I need (a few SEPA direct debits that require an EU IBAN and regular payments in Euros) Wise will do. Might open Bankera as @projectfortytwo suggests though. [Previous page](https://community.monzo.com/t/overseas-bank-account/163729.md?page=5) [Next page](https://community.monzo.com/t/overseas-bank-account/163729.md?page=7)