BoursoBank (formerly Boursorama) withdrawal abroad: what are the fees?

While traditional banks are known for their complex fee structures, BoursoBank (formerly Boursorama) has made a commitment to simplifying its pricing. For example, this online bank charges no fixed fees for deposits and withdrawals made outside France.

But is this enough? Is BoursoBank a credible alternative to other banks? As we'll see, it’s not a clear-cut answer. While BoursoBank has indeed removed some fees that can be a burden for users, there’s still a possibility of less favourable exchange rates.

To avoid extra costs linked to marked-up exchange rates, consider the Wise card. This card is connected to a multi-currency account and allows you to make withdrawals and payments at a lower cost in most countries worldwide. The Wise card lets you withdraw up to €200 per month without fees (limited to 2 withdrawals), and hold 40+ international currencies in the linked account.

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Withdrawal fees abroad with BoursoBank

Here are the fees applied by BoursoBank (formerly Boursorama) for payments and withdrawals outside the Eurozone for different cards, plus a comparison with the Wise card:

The fees mentioned in this table are from the BoursoBank and Wise fee schedules as of September 27, 2025.

🔎 Tip: To save money abroad, consider using a multi-currency card that doesn’t apply a markup on the exchange rate — or at least one where the rate is clearly stated. For example, the Wise card gives you access to the mid-market rate, with full transparency and no markup.

Essentials to know before you go

First, make sure your card allows withdrawals abroad. If you have a Visa or Mastercard, you won’t have any issues — they’re both international cards.

A few days before your trip, notify your bank. Otherwise, your bank’s anti-fraud system might block your withdrawals or payments on suspicion of theft.

Once you’ve shared your travel dates with your advisor, discuss your payment and withdrawal limits and adjust them if needed — but always keep a safety margin for emergencies.

Also, check your card’s expiry date. If it expires during your trip, order a new one as soon as possible. Finally, note down your bank’s emergency numbers so you can block your card quickly if it’s lost or stolen.

How to reduce withdrawal fees abroad with BoursoBank?

Make as few ATM withdrawals as possible

Most banks charge a fixed commission on withdrawals. To save on fixed fees, try to limit your trips to the ATM.

However, BoursoBank’s withdrawal fees are proportional to the withdrawn amount. So, whether you make one or ten withdrawals, you’ll pay the same total percentage.

Pay by card as much as possible

Fees on card payments are generally lower than those for cash withdrawals. Therefore, prioritising card payments can help you save money.

BoursoBank’s international options and packages

BoursoBank offers the Metal package for €9.90 per month with a physical card, or €5.90 for a digital version. This allows you to make payments and withdrawals in foreign currencies outside the Eurozone without fees.¹

However, the bank doesn’t disclose the exchange rate used, making it difficult to know exactly how much you’re paying.

You might therefore prefer a service with a clear and transparent exchange rate, such as Wise. With its international debit card, you can pay in foreign currencies without fees (if you already hold the currency in your account and no conversion is needed) and without any subscription costs.

Hidden fees: how to avoid them

What are BoursoBank’s exchange fees?

When withdrawing money abroad, BoursoBank charges a proportional commission — at least according to its fee schedule.

However, nothing is specified about the exchange rate applied to card payments or foreign currency withdrawals.

For instance, for incoming transfers, BoursoBank applies a rate that’s 1% higher. But for card transactions? The bank doesn’t say.¹

It’s important to know that most banks apply a marked-up exchange rate, and BoursoBank could be among them.

Don’t get caught by dynamic currency conversion

At some ATMs, you may be asked if you want to withdraw in local currency or euros. This is called dynamic currency conversion. If you accept, the amount will be debited directly in euros, so you’ll know instantly how much you paid.

If you refuse, the exact cost of the transaction will appear later once your bank processes it. Be aware that dynamic currency conversion often comes with a poor exchange rate — usually worse than your bank’s own rate. The bottom line: it’s better to refuse dynamic currency conversion when it’s offered.

With the Wise card, make your withdrawals and payments abroad at a lower cost

To withdraw foreign currency at a lower cost, the Wise card could be a good option. It allows you to withdraw up to €200 per month without fees (limited to 2 withdrawals).

With the Wise card, withdraw only the amount you need for your expenses abroad and avoid having to exchange leftover currency after your trip.

Here’s a summary of the benefits offered by the Wise card:

• A card available for a €7 delivery fee only.
• No monthly or annual maintenance fees.
• 2 free withdrawals up to €200 per month.
• The ability to hold and convert 40+ international currencies at the non-marked-up mid-market rate.
• Card payments are free if you hold the transaction currency in your account and no conversion is needed.

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This article is a translation of the original article published in French and was translated within 365 days of publication. While the content has been translated for accessibility, the data and sources referenced have not been updated since the original publication date.