March 2026 — France's leading digital bank just levelled up its offer for young users.
BoursoBank, the largest digital bank in France with over 7 million customers, has announced a comprehensive overhaul of its banking product for teenagers. The new offer, replacing the former FREEDOM account, gives minors aged 10 to 17 a full-featured current account on the same app their parents use — and signals BoursoBank's intent to dominate the youth banking segment long before competitors get there.
A Real Bank Account, Not a Pocket Money App
The key distinction of BoursoBank's new teen offer is that teenagers are the actual account holders, not just sub-users attached to their parents. Each teen gets their own IBAN, can send and receive money, and operates a proper current account — not a prepaid card with training wheels. This positions BoursoBank squarely against dedicated kids neobanks like Kard, Bling, and GoHenry, which typically offer more limited, parent-mediated products.
The new offer comes with a WELCOME debit card — the same card available to adult BoursoBank customers — in physical (recycled PVC) or digital form, free with no conditions. Free currency payments worldwide are included, along with one free foreign currency ATM withdrawal per month, Apple Pay, Google Pay, and Samsung Pay enrolment, and the ability to create virtual cards for online purchases.
Savings With a Boost
BoursoBank has also upgraded the savings component for young users. The Bourso+ Jeune savings account now carries a rate of 2.4% per year — up from 1.5% — with a raised ceiling of €10,000 (previously €4,000). Teens also have access to a Livret A up to €22,950 at 1.5% net annually, and parents can open a life insurance contract (assurance vie) on behalf of their child from as little as €300, with management fees of just 0.75%.
Financial Education Baked In
Rather than simply giving teenagers a spending card, BoursoBank is integrating financial literacy tools directly into the app. This includes the Wicount Budget tool with spending analytics, educational content capsules covering concepts like inflation, savings, and budgeting, and a curated version of the The Corner discount program — covering some forty brands including Auchan, Décathlon, H&M, Fnac, Pathé, and more.
Parental Controls Remain Tight
Despite giving teens meaningful autonomy, parents retain full oversight. They can set payment and withdrawal limits to the euro in real-time, lock the card instantly, restrict foreign or online use, manage or delete virtual cards, and receive push notifications on every transaction. Both parents can be linked to the account simultaneously. Crucially, no overdraft is possible — the account is structurally zero-risk for families.
The Market Opportunity
BoursoBank already has over 830,000 minor customers — a figure growing at 20% year-on-year — and claims around 3 million children of existing adult clients are eligible for the new offer. The bank reports that teen customers currently make an average of 8 payments per month totalling around €91, with parents depositing roughly €100 per month in pocket money. That's a meaningful volume of transaction data and a long-term customer acquisition play: teens who grow up with BoursoBank can transition to the full adult product at 18 without changing app, account number, or card.
What This Means for the Kids Neobank Space
The move puts pressure on dedicated youth fintech players operating in France. While standalone kids neobanks can compete on specialisation and gamification, BoursoBank's scale, brand trust, full banking license, and integrated family ecosystem are hard to replicate. The transition from FREEDOM to the new offer is seamless for existing users — no new login, no new app — which also reduces churn risk significantly.
For the broader French neobank market, the announcement reinforces BoursoBank's strategy of expanding across life stages: from minors with pocket money, to students, to active adults managing mortgages and investments. Capturing the customer at 10 years old is a long game — and BoursoBank is now playing it explicitly.
Discover all kids and teen neobanks at neobanque.ch/kids/ and compare the best digital banks in France at neobanque.ch/country/france/.