In which establishment to open an account to pay the least possible bank charges? MoneyVox has broken down for you the tariff brochures of all the banks in the Provence-Alpes-Cte-d’Azur region.
As part of the Bank’s Trophies, MoneyVox has drawn up the profile of 3 typical customers: Young, Classic and Premium (more info on the study methodology). For each of these profiles, we calculated the annual cost of banking services in more than 120 banks. This then allowed us to establish a ranking of the least expensive establishments, region by region.
In PACA, a young person corresponding to our profile who opens a Caisse d’Epargne Cte d’Azur account allows you to obtain the most attractive rate in France (at least outside of online banks). The local bank charges him only 14.03 euros per year for the supply of a classic bank card with immediate debit, account maintenance, two withdrawals per month outside his bank, one withdrawal and two payments outside the euro zone. in the year, etc. This is well below the average of the 15 studied establishments present on the territory (34.83 euros)! To obtain this rate, the student or young working person must opt for the Initial Jeunes formula, invoiced at only 1 euro per month for 18-28 year olds. The additional 2.03 euros correspond to the additional cost of the international option, covering operations carried out outside the euro zone.
| Bank | Annual fee for the Young profile |
|---|---|
| Caisse d’Epargne Cte d’Azur | 14.03 |
| Banque Populaire Auvergne Rhne Alpes | 21.16 |
| Credit Maritime Mediterranee | 21.90 |
| Mediterranean People’s Bank | 22.70 |
| Credit Agricole Alpes Provence | 24.00 |
| Credit Agricole Provence Cte d’Azur | 24.00 |
| Caisse d’Epargne Provence-Alpes-Corsica | 26.00 |
| LCL | 26.00 |
| Credit Mutuel Mediterranean | 31.21 |
| BNP Paribas | 40.88 |
| Marseille Credit Company | 41.00 |
| The postal bank | 43.90 |
| CIC | 45.40 |
| Societe Generale | 46.40 |
| HSBC | 93.85 |
up 150 € premium openness thanks to our comparison of online banks
For the customer corresponding to the Classic profile, two establishments stand out in PACA and receive a Trophy from the Bank: Caisse d’Epargne Provence-Alpes-Corse and La Banque Postale. The first offers an annual rate of 146.34 euros (including an interesting international option), the second (via its Alliatys formula with Visa Classic card) of 150.06 euros. Costs well below the average for the region (178.61 euros).
| Bank | Annual fee for the Classic profile |
|---|---|
| Caisse d’Epargne Provence-Alpes-Corsica | 146.34 |
| The postal bank | 150.06 |
| Credit Agricole Alpes Provence | 155.31 |
| BNP Paribas | 166.54 |
| Marseille Credit Company | 166.80 |
| Caisse d’Epargne Cte d’Azur | 168.35 |
| Credit Agricole Provence Cte d’Azur | 172.24 |
| Societe Generale | 177.60 |
| HSBC | 183.50 |
| CIC | 190.78 |
| Credit Mutuel Mediterranean | 194.06 |
| LCL | 195.42 |
| Banque Populaire Auvergne Rhne Alpes | 196.30 |
| Mediterranean People’s Bank | 202.00 |
| Credit Maritime Mediterranee | 213.90 |
Regarding the Premium profile, four establishments share a Trophy of the bank: the Caisse d’Epargne Cte d’Azur, the Caisse d’Epargne Provence-Alpes-Corse, the Crdit Agricole Alpes Provence and the Crdit Agricole Provence Cte d’Azur , with annual rates between 175 and 180 euros. Amounts below the average of the 15 banks in the territory studied (216.11 euros).
| Bank | Annual fee for Premium profile |
|---|---|
| Caisse d’Epargne Cte d’Azur | 175.05 |
| Caisse d’Epargne Provence-Alpes-Corsica | 175.36 |
| Credit Agricole Alpes Provence | 180.00 |
| Credit Agricole Provence Cte d’Azur | 180.00 |
| Marseille Credit Company | 196.30 |
| Societe Generale | 199.60 |
| BNP Paribas | 200.50 |
| The postal bank | 213.35 |
| Credit Mutuel Mediterranean | 237.30 |
| Banque Populaire Auvergne Rhne Alpes | 238.80 |
| Mediterranean People’s Bank | 238.80 |
| Credit Maritime Mediterranee | 238.80 |
| HSBC | 242.30 |
| CIC | 246.88 |
| LCL | 278.57 |
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