simpler, but not always more economical

An all-inclusive package to avoid budget slippages: the principle of the package, this offer of grouped banking products and services, starts from a good intention. One in two customers is also equipped, according to Meilleurbanque.com. It allows you to benefit from a reduction in relation to the price of each product and service subscribed individually. But do you really need all of these options?

“Ten years ago, the packages included superfluous services, such as life insurance or several bank checks per year, recalls Saïd Fadil, project manager at Meilleurbanque.com. Now, historic establishments tend to limit their entry-level package to really must-have products and services. This is real progress. »

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Networks such as Banque Populaire, Caisse d’Epargne and Crédit Agricole offer more transparent offers, based on three levels of service. “It becomes easier to understand which package suits you because they meet clearly identified needs”, adds Said Fadil.

Adapt to uses

In establishments that have renovated their offer, the entry-level package only includes a handful of products, presented as essential (account maintenance fees, bank card and means of payment insurance). The intermediate offer often corresponds to individuals who like to travel outside the euro zone, with specific services such as the absence of fees on currency transactions. Finally, the most expensive package covers a wide range of needs, generally around a very high-end card.

At Crédit Agricole, the Essential, Premium and Prestige formulas are being rolled out in the regional banks, after a full-scale test with 100,000 customers in early 2021. “We have designed these new offers to be readable and transparent. It was a strong request from some customers, who helped us build them, commented Isabelle Augrain, director of the individual market at Crédit Agricole SA. These offers are not set in stone: we can change them according to customer feedback by adding or removing certain services. »

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For its part, BNP Paribas has not launched a new package, but is nevertheless committed to developing its Free Spirit. “Offers must adapt to new uses. For example, we are considering integrating instant transfers,” explains Laurent Monet, marketing manager within the commercial bank in France.

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