Budget
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Does the N26 card allow access to the Mastercard Airport Lounges?
Recently, on a Facebook group of travelers, a person presented what seemed to be an excellent plan: with an N26 black card, one could access free of charge the Mastercard lounge areas at the airport. Mastercard has more than 1000 airport lounges around the world where you can wait comfortably for your flight while enjoying a buffet and a good glass of wine. It sounded too good to be true (access to airport lounges are usually charged around 40 euros per person vs. 10 to 17 € per month for the N26 card for unlimited access, …). Information taken, it isn’t possible. Either the person in question was lucky, or…
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Is the American Express Platinum Business Card cost-effective? My Review + Referral Code
If you would like to obtain an American Express Platinum Business Card, follow this referral link and receive 30,000 free Membership points. Based on the 0.5% payout rate, this represents a premium of €150 I’ve already told you about the American Express Air France card that allows you to collect miles with every expense and have insurance included when you rent a car I recently additionally subscribed to an American Express Platinum Card for professional use with one main objective: free access to airport lounges I propose to explain the advantages of this card and to calculate if it is profitable or not. American Express Platinum Business Card or Air…
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Xoom service from Paypal: send money anywhere in the world at low cost (Review + Promo Code)
EDIT JANUARY 2020 : We’ve had several feedback suggesting that the Xoom service is unreliable and customer service is unresponsive. Feel free to comment on your experiences. While waiting for a possible improvement of the service, we advise you to use the Azimo competitor service instead. If you wish to register on Xoom, click on this referral link, you will receive 25 € after your first money transfer. Better than a coupon code! In July 2019, Paypal launched the Xoom service in Europe. This service makes it possible to send money anywhere in the world (in 130 different countries) at a lower cost. For travelers, this service can be very…
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Withdrawing money from ATMs abroad: the different fees and the trap to avoid
As long as you travel in the euro zone, no worries, you won’t have to pay any fees when you withdraw money from ATMs (except with Euronet ATMs which charge 2€/withdrawal), it’s part of the advantages of the single currency. As soon as you visit a country with another currency, it gets a little bit complicated. Here is a short summary of the different fees you may incur and how to avoid them. Fees charged by your French bank If you use a traditional bank card, you risk making it richer each time you make withdrawals outside the euro zone. As an example, Société Générale charges €3 per withdrawal +…
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[Review] Boursorama Ultim card + Referral link to get 130€
To be sponsored when you create an account at Boursorama and get 130 €, click here. In addition to offering very interesting banking services for travelers, neo-banks such as N26 and Revolut have another merit: they force other banks to wake up It is now the Boursorama bank that is issuing a new card: the Boursorama Ultim card, very interesting for travelers. It interests me all the more since Boursorama has been my main bank for several years. EDIT December 2020: Boursorama has just launched the big sister of the Ultim card: the Ultim Metal card. The Ultim Metal card costs 9,90 € / month and doesn’t bring much new.…
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N26 and Revolut: How to declare foreign accounts for taxation in France?
This article concerns only French tax residents If you have an N26 or Revolut account, you may not know it but these are foreign accounts! Indeed, N26 is a German bank and Revolut is an English bank You must therefore declare these accounts to the tax authorities via your tax return. This declaration does not imply any additional tax or fee but if you forget it, you can be fined €1500 per undeclared account. The procedure isn’t very complicated, here is how to do it. 1/ At the end of your online tax return, you will have a “Miscellaneous” section where you have to tick the box “Accounts opened, held,…
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How to save for Retirement as a French Digital Nomad?
Some people think that digital nomads lead a bohemian life. This may be the case for some of us who work just enough to lead a comfortable life in Southeast Asia without worrying too much about tomorrow This isn’t our case. While we are slowly approaching our forties, we are thinking a little about what we will earn in retirement to ensure our old age. We carry out several actions in parallel to prepare all this knowing that we have the following constraints Disclaimer, I am neither a financial expert nor a wealth advisor, this article only presents what we undertake but I do not pretend to think that it…
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Travel Hacking: Is it possible in France ?
As a “permanent traveler”, I am fascinated by the “travel hackers” in North America who enjoy flights and hotel nights almost for free thanks to the points they have accumulated For the most part, these points are accumulated via their credit cards. Broadly speaking, banks in North America offer very generous benefits when using their credit cards. The more a person consumes, the more points he or she accumulates that can be turned into benefits The use of these credit cards is dangerous because one can very quickly find oneself in an infernal circle and have large sums of money to repay with very high interest rates On the other…
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The American Express Air France Gold card: a good credit card for travelers?
If you wish to obtain a sponsorship and benefit from : – The free card for the first year – 10,000 Air France miles free – 50 € voucher for Air France KLM Click here! In North America, credit cards are used to accumulate points that can then be turned into an advantage To my knowledge, the only card with a slightly similar mechanism in France is the American Express card The first year was free, so I decided to try it out and see how it went The different types of bank cards Let’s start by explaining the different types of credit cards that exist Immediate debit cards. The…
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[Review] Comparative N26 vs Revolut: Which International Bank Card to Choose?
To register on Revolut, click here (8 € offered by following this link). To register on N26, click here (15 € free with the code jeanbenm0852). Whether you are on a world tour, a digital nomad or simply going on holiday abroad, the question arises as to how to pay on the spot. Especially when you are outside the euro zone. Overall there are 3 options: Come with euros and go to the exchange offices. You will find yourself with a lot of cash on you, paying exchange fees that aren’t necessarily advantageous Use your classic French credit card. This will cost you a lot in fees. Coming with an…
