I'm well aware that the field of personal finance is a scary one, and that it's difficult to take the plunge. You shouldn't do it if it's too big a risk for you. Nor should you invest if it causes you stress or keeps you awake at night.
For those of you who feel ready, I've put together a list of the offers I find really interesting from the sites I use. This will enable you to collect your first euros to invest and start making profits straight away.
The offers are ranked from best to worst. They are accompanied by short reviews to be transparent about what I think of the service. Please note that this is only my personal experience and may be different for other users. This should not prevent you from doing your own research.
Enerfip
Satisfaction:
Potential Return:
Associated Risk: Moderate.
Investment Horizon: 2 to 5 years.
My review of Enerfip
Since I started investing on Enerfip, a crowdfunding platform dedicated to renewable energy projects, it has kept all its promises. After 4 years, I can say that it has become my favorite investment. I'm more than satisfied because I can now invest in new projects solely thanks to the interest generated previously.
What I like about Enerfip
- Careful project selection. On 16 personally funded projects (6 completed, 10 ongoing): 0 delays or problems reported. More globally, 0 delays or definitive losses on the 319 projects funded from 2019 onwards.
- A fluid, easy-to-use interface.
- A comprehensive and detailed dashboard.
- Impeccable transparency on the company's overall performance.
- A French company based in Montpellier.
- A significant contribution to ecological transition and energy independence.
Up to €20 offered on Enerfip
You have the choice, €15 offered with no strings attached or €20 offered for a first investment of €100.
For all registrations with the code BV45ENF and a valid account :
- You receive your bonus of €15 in your account. This means you can start investing without spending a single cent.
- After 6 weeks, you'll receive another bonus of 1% of the total amount you've invested.
For registration through the banner below and a minimum initial investment of €100:
- A bonus of €20 is credited to your Enerfip account after the issuance of the subscription certificate.
Bullion Vault
Potential Return:
Associated Risk: Low.
Investment horizon: Flexible.
My opinion on Bullion Vault
In full transparency, I don't have any opinion on Bullion Vault's services as I just discovered them through their great referral offer. Until now, I had only used this site to track the prices of precious metals like gold and silver. I believe it’s worthwhile to hold a small portion of these in one’s portfolio.
Gold has been used for trade and as a store of value for thousands of years and has nothing left to prove compared to all the digital financial assets of today.
4g of silver and €3 free on Bullion Vault
Use the banner below to register, and you'll immediately receive :
- 4 grams of silver, 1 US dollar, 1 euro and 1 pound sterling.
Even though I don't yet use Bullion Vault regularly, I wanted to share this offer with you. You receive the equivalent of €6 without doing anything and without paying a single euro out of your pocket.
Bankin'
Satisfaction:
Diversity of services:
Ease of use:
My opinion on Bankin'
We’re stepping away from pure investment platforms to focus on a tool that helps optimize budgeting. More money saved means more euros available for saving. Personally, I mainly use it to generate discount vouchers and cashback. It syncs automatically with my bank card, allowing me to save a few euros effortlessly.
€3 offered on Bankin'
Download the Bankin' app using the banner below, create your account, and enter the code 94MK1DX:
- Receive your €3 by entering the code in the "Referral" section of the app.
Trading 212
Satisfaction:
Potential Return:
Associated Risk: Moderate.
Investment Horizon : Flexible.
My review of Trading 212
Trading 212 offers an Ordinary Securities Account for investing in the stock market. When you're just starting to invest your money, this really is the ideal tool. I can't think of anything easier to use to buy shares, ETFs and other financial assets.
What I like about Trading 212
- There are no commissions on purchases or sales. There's a completely transparent summary of what you'll pay before you validate each transaction.
- The interface is simple, modern and attractive.
- A really attractive welcome offer.
Trading 212 has succeeded in removing all the complexity that can sometimes surround the stock market. Now, anyone can invest easily and from anywhere.
One free share (< €100) on Trading 212
For any sur Trading 212 with the banner below and a first payment of 10 € :
- A free share worth up to €100.
It's important to remember that investing in the stock market represents a risk of capital loss. Only invest what you can afford to lose.
Note: This offer is not available year-round. By clicking the banner just below, it will indicate whether you can currently take advantage of this offer. If nothing is mentioned, you will have to wait for the next promotional campaign.
BoursoBank
Satisfaction:
Diversity of services:
Ease of use:
My opinion of BoursoBank
To invest effectively, you also need the right tools.
Before, I was with a traditional bank. I tested BoursoBank in 2018, to take advantage of their €100 welcome offer. At the time, I was so impressed that I made it my main bank.
What I like about BoursoBank
- There are no fees. My old bank charged me €9 a month. Now I save €108 a year.
- It is a bank owned by Société Générale. The 3ᵉ biggest French bank.
- The interface and all the useful, easy-to-use features.
- Innovative capacity. They are often the first to offer useful new services (instant transfers, systematic authorization cards, limit changes in just a few clicks, etc.).
When it comes to investing, I like to be able to react quickly to take advantage of certain opportunities. With BoursoBank, I always manage to do what I need, even for the most technical things.
Up to €150 free on BoursoBank
For the first opening of an individual BoursoBank account with the code BAVE5709 :
- 70€ free when you open your account
- A €80 bonus for a first payment of €300 or more
For the EasyMove banking mobility service :
- You'll receive a €70 bonus for your first use of the EasyMove banking mobility service.
Earning €150 has never been so easy.
BNP Paribas
Satisfaction:
Diversity of services:
Ease of use:
My review of BNP Paribas
I'm a BNP Paribas customer with whom I've had a current account and my LEP for many years. I think it's important to have a traditional bank in addition to an online bank to protect yourself in the event of a major economic problem. The French state couldn't afford to let a bank as powerful as BNP go bankrupt if it were ever to run into trouble. I recently gave up my bank card but kept my current account to limit the fees I found too high (€9/month).
What I like about BNP Paribas
- Take advantage of services typically reserved for traditional banks: obtaining a mortgage, easily cashing checks, having a dedicated advisor.
- Being able to open a LEP (Livret d'Épargne Populaire).
- The security of owning a stake in one of France's most powerful companies.
€80 free at BNP Paribas
To open an individual or joint account (excluding Visa Infinite cards), click on the banner below:
- 80 € directly into your account once opened.
- Free VISA card for 1 year (excluding VISA Infinite).
- Esprit Libre" essential services free for 1 year.
Fortuneo
Satisfaction:
Diversity of services:
Ease of use:
My review of Fortuneo
I'm a triple Fortuneo customer. I have a current account, a CTO (Compte-Titres Ordinaire) and a PEA (Plan d'Épargne en Actions) with them.
In practice, I mainly use my PEA to invest in DCA (Dollar Cost Averaging) on a World ETF. I don't use my CTO and I mainly use BousoBank as my current account.
I'm happy with it. The interface isn't as modern as BoursoBank's, but I've never had any problems with Fortuneo.
Up to €300 free on Fortuneo
For the first opening of a Fortuneo Bank Account with the code 13189696 :
- 50 bonus for opening an account and taking out a Fosfo Mastercard with an initial deposit of €300.
- 100 bonus for opening an account and taking out a Gold CB Mastercard with an initial deposit of €300.
For 1st opening or 1st transfer of a stock market account (ordinary securities account, PEA or PEA-PME) with the code 13189696:
- Bonus of €80 subject to an initial deposit of €1,000 (except in the case of account transfer).
For the 1st subscription to a Fortuneo Vie life insurance policy with the code 13189696 :
- Bonus of €120 subject to an initial payment of €1,000.
Membership of the Fortuneo Vie contract implies a minimum investment of 30% in units of account (equities, SCPI, etc.), which carry a risk of capital loss.
Lendopolis
Satisfaction:
Potential Return:
Associated Risk: Moderate.
Investment Horizon: 4 to 5 years.
My opinion of Lendopolis
Although I have a preference for Enerfip, I have little to reproach Lendopolis, which is also a platform for financing renewable energy projects. The two platforms are similar in most respects. From my point of view, the yields offered are slightly lower on Lendopolis.
What I like about Lendopolis
- High-quality, carefully selected projects. Of the 151 projects funded from 2020 onwards, the company has not reported any delays or problems.
- Lendopolis is 100% owned by La Banque Postale.
- Lendopolis has been approved as a Participative Financing Services Provider (PSFP) by the Autorité des Marchés Financiers (AMF).
My full review of Enerfip and Lendopolis
Up to €30 free on Lendopolis
By registering with the banner below, you will receive after your first investment :
- €10 for every €100 invested
- €20 for every €200 invested
- €30 for every €300 invested
That's 10% immediate return, and you don't have to do a thing. When you're an investor, you know that's generous.
Linxea
Satisfaction:
Potential Return:
Associated Risk: Moderate.
Investment Horizon: Flexible.
My opinion of Linxea
I chose Linxea for its Spirit 2 life insurance contract, which is considered one of the best on the market. As I'm a free trader, the early days were a bit complicated, as I didn't understand how to do certain things that are normally simple, such as placing orders. Since then, everything has fallen into place and I'm very happy with it.
What I like about Linxea
- No fees on deposits
- A large number of ETFs and SCPIs available
- Automate my investment with programmed transfers
- The insurer behind Linxea is Crédit Agricole Spirica.
€50 offered on Linxea
If you subscribe to a life insurance policy or a PER using the banner below, you will receive :
- 50 € gift card.
Sumeria
Satisfaction:
Diversity of services:
Ease of use:
My review of Sumeria
Like most of us, I first came across Lydia. A brilliant idea to facilitate payments between friends. For a long time, I wondered how their model could work, and what prospects they had for turning it into a profitable business. 13 years later, that change has come, and it's called Sumeria. My use of it hasn't changed yet. I don't use it as a bank account yet. Nevertheless, if you'd like to continue collecting a few euros to invest. The opportunity is there.
Up to €30 free at Sumeria
When you register to Sumeria with the code BV932K3AAJ, you will receive :
- 10 free after your first 5 payments
- 20 € if you subscribe to the annual version of Sumeria+.
- 30 € if you subscribe to the annual version of Sumeria+ with a Black Card
Finary
Satisfaction:
Diversity of services:
Ease of use:
My review of Finary
If my favorite investment is crowdfunding on Enerfip, my favorite tool is Finary. It was a bit of a revolution for me 2 years ago when I discovered this platform. At that time, I was still tracking all my investments using Excel spreadsheets. As you also know, I test a lot of sites and types of investment. So, when I consolidated all these accounts on Finary, it was a monstrous time-saver for me.
Today, there are even more features and they continue to save me time every time. I liked the product so much that I invested in the company in its early days.
What I like about Finary
- Automated monitoring of the evolution of my assets.
- The centralization of all my investment information.
- The expense detector that saves me money.
- Automatic calculation of my budget, expenses and income.
- Rapid product evolution and constant innovation.
1 month free on Finary
For all Finary registrations with the code 7GPNAC :
- 1 premium month free on Finary
Konvi
Satisfaction:
Potential Return:
Associated Risk: High.
Investment Horizon: 1 to 5 years.
My opinion on Konvi
At the beginning of 2024, I started taking an interest in Konvi and investing in it. This Irish platform offers unique investment opportunities starting from €250. However, before turning to this type of alternative asset, it is essential to have solidified the foundations of your wealth strategy and to stick to it with discipline, month after month.
What I like about Konvi
- Rare, tangible, and original investments.
- Specialized and experienced partners.
- A process simplified to the maximum.
Up to €50 offered on Konvi
When you sign up, enter the code SEYEBR and receive:
- €10 off your first investment
- €50 off during Konvi Days (1 day per month)
Yomoni
Satisfaction:
Potential Return:
Associated Risk: Moderate.
Investment Horizon: Flexible.
My opinion of Yomoni
I've been a Yomoni life insurance customer since February 2022. At the time, I was curious to try out this new platform that everyone was talking about for its competitive performance and fees. In fact, the fees for guided management are attractive. However, I use free management. This allows me to considerably reduce my investment costs. This makes a real difference over the long term. I'm still keeping this life insurance policy to compare the annual performance it's capable of managing with my own.
What I like about Yomoni
- A very simple way to start investing in life insurance and PEA.
- Competitive rates for guided management.
- A high-quality interface.
Up to €500 free with Yomoni
After signing your first contract and using the code BAPTISTE114 :
- You receive €100 for an initial investment of €5,000.
- You receive €200 for an initial investment of €10,000.
- You receive €350 for an initial investment of €25,000.
- You will receive €500 for an initial investment of €50,000.
DEGIRO
Satisfaction:
Potential Return:
Associated Risk: Moderate.
Investment Horizon: Flexible.
My review of DEGIRO
I'm a CTO (Compte-Titres Ordinaire) customer with DEGIRO. Unlike Trading 212, the platform is aimed more at experienced investors than beginners. For ease of use and comfort, I prefer to navigate and invest with Trading 212, but I need DEGIRO for stocks I can't find on the former, like certain bond ETFs for example.
What I like about DEGIRO
- A historic player, often presented as the world's best trading platform. One of the most widely used too.
- A vast choice of financial assets. I've always found everything I wanted.
100 € fee refund at DEGIRO
For any registration using the banner below:
- 100 € free trading fees
Shares
Satisfaction:
Potential Return:
Associated Risk: Moderate.
Investment Horizon: Flexible.
My opinion of Shares
I hesitated to share this sponsorship offer with you because I've only been a customer with them for a very short time and haven't taken the time to test their features. From what little I've seen, this French application is very easy to learn, and you can really invest in 2 clicks. I find it very similar to Trading 212. It's safe to assume that they target the same audience. But beware: although the application is regulated by the AMF, it seems to be very young and probably still in the start-up phase.
5 free transactions at Shares
Once you have registered with the code 3976206686, you will receive :
- 5 free transactions. In other words, you won't pay any fees to invest.
