The annual survey by the CLCV (Consumption, Housing, Living Environment) association on the new 2023 bank tariff schedules does not hold any big surprises.
While the profession had undertaken, in September, to limit the increase in the prices of its current operations to 2% this year, the data collected by CLCV show an increase in the service basket in the majority of banks, whose evolution remains de facto contained at less than 2%.
For “small consumers” of banking services, the average cost in mainland France* is stable at €66.96, even if ” the bill will however be increased in half of the banks”.
The “average” (€148.76) and “heavy consumers” (€208.04) profiles for their part note an increase in their basket of services on February 1, over one year, in two thirds of establishments, the average cost of all banks combined increasing by 1.24% and 0.89% respectively.
Bank cards continue to increase
Increases mainly due to “ changes in the price of cards, payment means insurance account maintenance fees, or even in some cases a reduction in the number of free withdrawals made from competitors’ distributors or a reduction in the reduction granted for second cards held on the same account. »
The average cost of cards thus continues to increase, regardless of their type. Those with immediate debit took an average of 0.90%, deferred debit cards and Premier or Gold +0.77%.
It should also be noted that some establishments have reviewed the reductions applicable to the second card held on the same account either to remove them or to reduce them (40% or 30% instead of half price) and reduced the number of free withdrawals facts outside the network (for example by changing them from 4 to 3 or from 3 to 2).
Account maintenance fees
In terms of account maintenance fees, the average, at €21.68, is down 1.81%, a misleading figure which is explained by the abolition of these fees at Milleis. Excluding this bank, these costs increased by an average of 1%, notes the CLCV study.
The rates are also up for more occasional operations, such as the transfer of PEL (+1.25%), seizure-attribution (seizure on bank account for reimbursement of a debt, +1.26%) or even occasional bank transfers (+0.34%), bank checks (+0.73%) or opposition checks (+0.27%).
Fragile clientele
Among the reductions, the French Banking Federation had made a commitment to pass the offer reserved for fragile customers to a maximum of one euro instead of three euros. Some establishments have gone beyond this commitment by applying free access: BNP, Boursorama, Fortuneo, HSBC, La Banque Populaire Auvergne Rhône Alpes.
The CLCV also noted an increase in the number of banks applying free incidence fees (legally set at a ceiling of €20 per month and €200 per year). Exemption is thus displayed by 60 banks from the Crédit Agricole networks, including Banque Chalus, Crédits Mutuels, CIC, LCL (until September 2023 and via a reimbursement system), Fortuneo, Monabanq and Banque Populaire Auvergne Rhône. Alps.
*97 establishments, i.e. almost the entire banking market for individuals in France (excluding online banks and assurbanques).