FAQ

There’s nothing simpler or faster !

First make sure you are eligible. To do this you need to :

  • Be at least 18 years old
  • Be a French resident

To open a Binks account :

1. Download the application from App Store or Play Store.
2. Sign up
3. Order or pre-order your card according to availability and your position on the waiting list.
4. You get your virtual card instantly and the physical card will be delivered according to your position in the waiting list.

For the moment, it is only possible to open a Binks account in mainland France.
Binks will soon be available in other countries !

It’s currently not possible to open a Binks account as a underage user.

Binks gives you the opportunity to make your own offer. The opening of a Binks account is at €2 per month; You have the possibility to activate or not your options directly from the application and you can cancel it when you want!

Among these options you will find:

  • A personalized card: Choose the name that will appear on your card. €1 per month.
  • Free withdrawals: Eliminate withdrawal fees of up to €500 per month, even abroad. €2 per month.
    Beyond that: 1% per withdrawal in the euro zone and 1.50% outside the euro zone.
  • A concierge service: Treat yourself to a personal assistant. €3 per month.
    Ex: Flower deliveries, medical appointments, hotel, spa and restaurant reservations…
  • A new referral system: Earn €2 per month, for each person registered with your referral code. €3 per month.
At Binks, everything is done in such a way as to make your life easier. That’s why when you open your account, you don’t have to give out any documents right away. Only once you want to order your card, you will be asked for an ID and a selfie.

In order to verify your identity, we accept the following documents:

  • For Europeans: Passport, ID.
  • For non-Europeans: Passport, ID, AND Proof of address is mandatory.

We may need to ask you for certain documents if we need additional verification.

If you can’t find the Binks app on your store, you don’t have your phone up to date.
Simply update your phone and go back to the store.
Start the Binks app search, and it should appear.

Note however that Binks is compatible from the iOS 13 update on Apple and from version 8.0 on Android and only on French stores.

Nothing. At the moment it is not possible to have a negative balance at Binks.

If you are no longer in possession of your phone, contact our dedicated team at the following email address :

contact@binks.eu or by phone at +33188618010 7/7 from 10am to 8pm as soon as possible to guarantee the security of your account.
Please note that you can still access your account with another phone, thanks to your login and password.

The Binks offer is non-binding, so if you are no longer satisfied with the services offered, you have the possibility to close your account free of charge at any time by sending an email to our team on cancel@binks.eu .
Please make sure that you have transferred your funds to another bank account so that we can proceed to the account closure.

The Bank Identification Number or BIN contains your precise bank details. You can thus communicate them to receive a transfer or issue a direct debit.

Your BIN is available directly from the Binks application.
You can find it in the “Settings” section of your application.
You can easily send it to your contacts via SMS, WhatsApp, Messenger or Email by clicking on the “Share” button.

We need to notify you for some of your transactions in order to guarantee optimal security. When you first sign up, you will have the option to accept or decline to receive push notifications. We advise you to accept them. These push notifications are very important for your customer experience and also for the security of your account because they will keep you informed of each of your transactions in real time.
If they have been disabled and you would like to enable them again, simply press the “Enable notifications” button in the “Enable notifications” application, or alternatively, go to your phone settings to enable Binks push notifications.
If you’re still not receiving notifications, try removing the application and restarting your phone.
If the problem persists, contact our team by email at contact@binks.eu.

We provide customer service 7/7 from 10am to 8pm by :

  • Phone : +33188618010
  • Mail to : contact@binks.eu
  • Chat from the Binks application ! (iOS version).
  • Instagram : Binksapp
When you receive your card and activate it, you can choose it directly from the Binks application.

Pour toute demande de changement d’informations, veuillez contacter notre équipe par mail à contact@binks.eu.

You can contact our team to obtain a copy of your personal data.

You will be able to add fund your account by bank transfer, using your RIB available in the application.

Once you’ve received your card, go directly to the Binks application where you just need to press the “activate my card” button to make it operational. Please note, however, that you can start using your virtual card as soon as you order your physical card.

After you has ordered your card, you will receive within 3-5 working days.

If you do not receive your card within 10 working days after ordering, please contact our team: contact@binks.eu. We will then take care of recommending a new card with you.

Do you need to order a new card due to theft or loss ?
Just contact our team directly: contact@binks.eu or by phone at +33188618010 7/7 from 10am to 8pm.

You can use your Binks Card anywhere in the world and free of charge.

You can block and unblock your card instantly from your Binks application, in the Card section.
You can also contact the Binks team: contact@binks.eu or by phone at +33188618010 7/7 from 10am to 8pm.

The payment limits are set at €100,000/month.

If your card does not work, check that you have not accidentally blocked it in the application, that all your banking information has been entered correctly or that it is not physically damaged.
You can also contact the Binks team: contact@binks.eu or by phone at +33188618010 7/7 from 10am to 8pm. We will order a new one for you.

If you have entered an incorrect PIN code more than three times, your Binks account will be temporarily blocked for security reasons.
Please contact our team at contact@binks.eu 24 hours a day or by phone on +33188618010 7/7 from 10am to 8pm.

If your card has been swallowed by an ATM, block it as soon as possible from the Binks application. You will be able to order a new one directly by contacting our team at the following email address: contact@binks.eu 24/24 or by phone at +33188618010 7/7 from 10am to 8pm.

If your card is about to expire, you will be able to order a new one directly from the application or by contacting our team at the following email address: contact@binks.eu 24/24 or by phone at +33188618010 7/7 from 10am to 8pm.

The ceiling of your contactless payments is fixed at 30 euros and 5 payments per day. Please also note that some merchants do not accept contactless payment.
If the reason is other, do not hesitate to contact our team at the following email address: contact@binks.eu 24/24 or by phone at +33188618010 7/7 from 10am to 8pm.

By bank transfer, using your IBAN available in the application.

No, we don’t take any charges on money transfers by wire transfer.

Between 2 Binks accounts, transfers are instantaneous !
The time for a bank transfer from a non-Binks bank varies between 24 and 48 business hours.
Outgoing transfers made before 10am will arrive during the day.

Your bank details are available directly on the application, in the “Settings” section of the application.
You can easily send your bank details to your contacts via SMS, Whatsapp, Messenger or Email by clicking on the share button.

The IBANs are initially GB, this does not cause any inconvenience for you because they comply with the SEPA standard. We will propose the FR IBANs before the end of the year.

It is possible to receive money :

By bank transfer, using your IBAN available in your application.
Instantly from another Binks user.

If your card payment has been declined, make sure that the transaction you want to make is not higher than your balance on the Binks application.
If it’s an online payment, make sure that you’ve entered all your card details correctly.
If the problem persists, contact our team at contact@binks.eu.

You can dispute a transaction by contacting our team at contact@binks.eu.

If you notice any fraudulent use of your account, you should immediately block your card from the application.
Then contact the team on contact@binks.eu or by phone on +33188618010 7/7 from 10am to 8pm, to order a new card and proceed with the refund of the fraudulent transaction.

If you have been debited with an amount that does not correspond to your transaction, please contact our team directly at the following email address: contact@binks.eu 24/24 or by telephone on +33188618010 7/7 from 10am to 8pm.

No, unfortunately it is not possible to add money by cheque or cash.
A solution allowing you to deposit cash is nevertheless being considered.

Without the “Free Withdrawals” option at €2 per month :

For all withdrawals fees are applied to you:

  • Withdrawals in euros: 1% per additional withdrawal.
  • International withdrawals in foreign currency (excluding euros): 1.5% per additional withdrawal.

 

With the “Free withdrawals” option at €2 per month:

You do not pay any withdrawal fees up to €500, regardless of your location. Beyond this amount, charges are applied to you:

  • Withdrawals in euros: 1% per additional withdrawal.
  • International withdrawals in foreign currency (excluding euros): 1.5% per additional withdrawal.

If your cash withdrawal has been declined, it is possible that the cause is the insufficient balance in your Binks account. If this is the case, you can top up your account to be able to make a withdrawal.
If the problem persists, you can contact our team by email via contact@binks.eu.

The protection of your account is provided by :

Logging in with your Apple credentials or phone number.
Fingerprinting or facial recognition of your smartphone.
Instant notification of every transaction.
Physical card numberless.
Possibility to change your card numbers at any time.

All your personal information is secure and protected by Binks and remains strictly confidential.

Binks is committed to security, confidentiality and continuous protection of your personal data, in accordance with the French and European regulations in force, in particular the French Data Protection Act of 6 January 1978 as amended (LIL) and the General Data Protection Regulations of 27 April 2016 (GDPR).

Respect for personal data is a priority at Binks.
No data will be shared or sold for commercial purposes.
Binks is committed to the security, confidentiality and continuous protection of your personal data, in accordance with the French and European regulations in force, in particular the French Data Protection Act of 6 January 1978 as amended (LIL) and the General Data Protection Regulation of 27 April 2016 (GDPR).
We may be led to use them in the context of legal proceedings or litigation, if required by law.

If you want Binks to delete all your data, you can send us a request by email to contact@binks.eu.

Your money is completely safe and insured thanks to a Tier 1 credit institution.
When you deposit money on your Binks account, nobody else has access to it but you.
Binks cannot touch, invest or lend its users’ funds.

If your card has been lost or stolen, or if you’re in doubt, you can temporarily block it directly from the application. If you want to order a new one, you can contact our team at the following email address: contact@binks.eu 24/24 or by phone at +33188618010 7/7 from 10am to 8pm.

Once you report the loss or theft of your card, it will not be unblocked.

The Brexit has no impact on Binks and how it works. We have a European passport. So you can be sure to keep all your advantages.
Nothing changes, neither for you nor for the money in your Binks account.

We have set up a referral program allowing you to earn €2 one time per registered friend thanks to your referral code, with no time limit.

The more you refer and the more you earn, it’s easy and unlimited !

To invite a friend to join Binks, go to the application and share your Binks referral code by clicking on “Share my code” and then “Invite my friends” or “Share on Snapchat” and “Share on Twitter”.
You can also share your referral code with your friends on your social networks through publications or in stories.

There is no limit to the number of friends you can sponsor. You can sponsor as many friends as you want.

In order to receive the referral bonus, your referred friend has to confirm his or her registration. Registering an inactive user doesn’t work.
check that you have subscribed to the option.