Inflation will also be felt in bank rates this year, warns the Consumption Housing Framework of Life (CLCV) association on Tuesday, which encourages consumers to compare offers and play competition.
The average cost of our basket in the metropolitan area (…) is up more than 2.5% on two of the three consumer profiles studied, explain the authors of this study published each year by CLCV. It will be 68.14 euros per year (+ 2.58%) for a consumer with limited services and 149.32 euros (+ 2.70%) for an account used by two holders with a somewhat limited number of services. superior.
The association points in particular increasing card costs, including immediate debit (+ 1.3%), account maintenance fees (+ 2.4%) and ATM withdrawals due to the reduction by certain establishments in the number of free withdrawals outside their networks. However, distributors are becoming rarer, according to a report from the Banque de France published in July on the number of distributors and cash access points in France in 2020.
Bank charges 2022: prices soaring
The president of the association, Jean-Yves Mano, believes with AFP that these tariffs go against the discourse on the bank near you and penalize people with low resources.
A smaller increase for large consumers
CLCV’s finding is based on a study of the tariffs that will be in effect on February 1, 2022 in 127 banks in metropolitan France and overseas, for three consumer profiles – small, medium or large – depending on the number of services used.
The increase is less noticeable (+ 0.27% 209.94 euros) for the heavy consumer profile, two cardholders with a large number of services including, for example, a Gold or Visa Premier card and an international debit debit card.
Up to € 150 bonus openness thanks to our comparison of online banks
The association also highlights real billing discrepancies for the same basket and invites consumers to be vigilant and to play in competition, advice already given last year. It also questions the advantage of packages, these group offers at a fixed price, compared to country-la-carte banking services.
Ranking of the cheapest banks on January 1, 2022
Reproduction forbidden.