the cheapest bank in the region is…

According to your profile, which establishment offers you the cheapest bank charges in Tours, Orleans and in the other towns in the region? MoneyVox has published the results of its annual tariff study.

Each year, the MoneyVox Bank Trophies reward the players who are the least greedy in terms of bank charges for their customers. To do this, we profiled 3 users (Young, Classic and Premium), calculated the annual cost of fees incurred by their banking behaviour, then sorted the results by region (read our full methodology). Result: 5 banks won a Trophy in the Center Val de Loire.

Banque Populaire Val de France, advantageous for young people

With an annual fee of only 20.90 euros for a student or young worker corresponding to our profile, the Banque Populaire Val de France stands out favorably from its competitors. In particular, it offers its Cristal Essentiel 1euro package only to 12-24 year olds. This modest group offer meets the needs of the customer well (classic card immediate debit, 2 out-of-the-box withdrawals per month, account management, online management, occasional and instant transfers, etc.). Even adding the costs related to operations during a weekend outside the euro zone (1 withdrawal of 100 euros and 2 payments of 50 euros), the bill remains relatively low, well below the average of 37.85 euros for the 16 establishments of the region (even if we are far from the 0 euros charged by some online banks…)

A trio of winners on the Classic profile

Three establishments, very similar in terms of tariffs, share a Trophy of the Bank for the Classic customer: Credit Agricole de la Touraine et du Poitou (146.24 euros annual cost), Credit Agricole Centre-Ouest (147.54 euros) and La Banque Postale (150.06 euros). Among the first two, it will be necessary to opt for à la carte services to benefit from such a price, the Essential group service offer not proving to be more profitable. HAS The postal bankthe choice will however have to be made on the Alliatys account formula with Visa Classic card to pay only 150 euros per year.

2 banks distinguished on the Premium profile

The Premium customer in our study has slightly higher-end banking needs than the other two (Gold Mastercard or Visa Premier card, 4 monthly out-of-pocket withdrawals, 3 withdrawals of 250 euros and 10 purchases of 100 euros outside the euro zone per year, insurance means of payment, many one-off, permanent or instant transfers, etc.). Result: he pays more in bank charges. But two establishments in the Center Val de Loire region offer contained prices: Credit Agricole de la Touraine et du Poitou (present in Indre et Loire) and Credit Agricole Center Loire (present in the departments of Cher and Loiret). Their respective annual costs for this typical customer are 156 euros (the cheapest rate in all of France) and 162 euros. And this is thanks to their Premium service group offer.

Which banks are the cheapest in Ile de France and Nouvelle Aquitaine?