Innovative products and services

Boursorama develops an active policy of introducing inovative products and services

• Mobile applications

  Applications for smartphones
  In addition to the app dedicated to financial information, Boursorama Banque's customers can download, free of charge, a banking app to manage daily banking activities such as:

  • Consultation of account balance, assets, loans and operations history
  • Increase credit card limits: increase credit card payment capacity and withdrawal capacity
  • Online payment by check: enables you to edit and send automatically a cashier's check to the recipient of your choice
  • Free bank transfer to internal or external bank accounts
  • Access to the Moneycenter

  The Boursorama bank application is available on iPhone, Android and Windows Phone.
  
  

  Applications for tablets
  Boursorama provides also a tablet app available on iPad, Android Tab and Windows 8 Tab. This application offers:

  • Access for everyone to information portal content and the community: general and financial news, consultation of videos, access to values quotes, companies information, currencies, main rankings...
  • Many services to manage your finances through mobile devices: consultation of banking accounts balances, internal and external bank transfer, real time management of payment and withdrawal limits, payment by cheque, recording of a new recipient account details, housing loan simulator, execution of trading orders, access to the MoneyCenter...

• Direct Emetteurs

  Boursorama innovates on warrants, turbos and certificates giving customers the opportunity, for the first time in France to deal directly with BNP Paribas, Citi and Société Générale. By dealing directly with the issuer, the investor can benefit from the following:

  • An attractive fee: 1€ automatically saved on each transaction
  • All types of orders are available
  • The same liquidity and market animation conditions as in NYSE Euronext Paris
  • An enriched product description page in order to manage investments more efficiently and news analytic tools and relevant indicators

  Since February 2012, three new features have been introduced:

  • Extension of trading hours: 09:05 am to 8:00 pm
  • Acess to tactical orders (trailing stop order, alternative order)
  • New ergonomics and new tools (improved search engine, warrants matrix, turbo indicator, more detailed information on stock sheets)
    
    

  WARNING: These products are non capital guaranteed products. These products are targeted to advised investors, and should only be bought by investors with sufficient knowledge. It is recommended to investors they read carefully the section “risks factors” of the Prospectus. Market risk: These products can undergo at any moment significant price evolution, leading sometimes to the loss of the total amount invested. Leverage effect: Some of these products integrate a leverage effect that amplifies the price evolution (increase and decrease) of the underlying stock. Credit risk: By acquiring these products, the investor bears a credit risk on the issuer and on its possible guarantor. Change risk: When the related underlying product is listed in a foreign currency, the product will vary according to exchange rate evolution between this currency and the Euro. Information documents (“Prospectus, Suppléments et Conditions Définitives”) are available on the issuer’s websites (www.sgbourse.fr, www.produitsdebourse.bnpparibas.fr, www.citifirst.com) and on the Authority of Financial Market website (www.amf-france.org).

• A joint account entirely online

  Boursorama proposes to open a joint account entirely online, the two owners open their account through a completely paperless process

• MoneyCenter

  First free automated personal finance management service, thanks to the MoneyCenter, you will be able to create categories and sub-categories of all your expenses (transportation, leisure, housing). Data from various accounts* are updated automatically** and thus have a synthetic vision of your personal assets on the same interface.
  The MoneyCenter has also innovative functionalities such as:

  • Follow the evolution and the valuation of all your assets
  • Set up personalized email alerts
  • Track key dates on debit payments, transfers, renewals

  * For eligible banks
  ** Service available to customers only

• Online payment by check

  Easier than a money transfer. Online payment by check enables you to edit and send automatically a cashier's check to the recipient of your choice

• Cash delivery

  Going abroad? Nohing easier! Simply order online currency you want (or travelers checks) and you'll be delivered at home! The service of cash delivery at your home enables you to benefit from competitive exchange rates and useful information about your destination

• Increase credit card limits

  Boursorama Bank invents the immediate increase of credit card limits. You want to withdraw a large amount of money? You need a higher limit to pay? We offer two new services to support you on these specific needs:

  • Exceptional withdrawal: withdraw up to € 3,000 in any bank distributor with your credit card
  • Increase credit card limits: raise the limit of your credit card in a few clicks and face exceptional expenses for a period of 30 days

• Change your direct debit online

  With Boursorama Bank, changing bank is easy and free! With our service "change direct debit online", you can give your new bank details to all institutions concerned with only a few clicks

• Housing loans fully online

  Boursorama Bank is the only bank to offer the subscription of a housing loan fully online. Different kind of loans  adapted to your needs are available:

  • Conventional fixed-rate loan to buy a primary residence, secondary, or a rental investment fund
  • Bridging loan to buy a new property before resale
  • In Fine loan to finance investments and optimize your rental

  Each of these loans are established without any compensation for early repayment. The registration fees are free and advisers are at your disposal to provide personalized services