which bank is the cheapest in the region?

Every year, MoneyVox publishes its Banking Tariff Trophies, which recognize the establishments offering the best rates to their customers, region by region. And in Brittany, 4 establishments won an award.

To save on bank charges, there is obviously the online banking solution. As our annual tariff study shows, it is possible to pay 0 euro (or almost) to have a bank account and manage it. But the absence of a physical branch and an appointed real-life adviser does not necessarily satisfy all customers. Therefore, which network to choose to pay less?

As part of the Bank’s Trophies, MoneyVox has defined 3 customer profiles (Young, Classic and Premium) with different needs and behaviors (read the full methodology). We have next scrutinizes the tariff brochures of all the establishments present in Brittany, whether they are brands with national pricing or local mutual network funds, then calculated the most suitable formula between à la carte pricing and group service offers, and finally determined a ranking of establishments.

Among young people, a bill from 20 euros

For the Young profile, two banks won a Trophy in Brittany: Credit Maritime Grand Ouest and Banque Populaire Grand Ouest. In these establishments, our typical customer will pay 20 euros in annual bank charges. At issue: the existence of a Cristal Essentiel package, billed only 1euro per month to 12-24 year olds (and which includes in particular account maintenance fees, remote banking services, provision of a bank card, 4 free withdrawals per month from the ATMs of other banks in the euro zone, etc.). Even adding the costs of a short stay abroad, the bill remains the lowest in the region.

Classic profile: the highest bidder is a national bank

While one might expect local banks to offer attractive rates to customers in their area of ​​action, it was ultimately a national brand that won the Trophy for the best bank for the Classic profile in Brittany. La Banque Postale offers a rate of 150.06 euros to cover the needs of this client, via its Alliatys account formula with Visa Classic. The average is 178.87 euros for the 16 banks covering the Breton territory that we have selected.

Crdit Agricole Morbihan, at the forefront of premium customers

On the most high-end profile of our rankings, a bank is particularly advantageous: Credit Agricole Morbihan. By offering its Premium package at the price of 180 euros (while it costs 192 euros at CA Ctes d’Armor, 195.60 euros at CA Ille et Vilaine or 205.80 euros at CA Finistre), the establishment charges 100 euros less than the most expensive bank operating in the region, LCL (278.57 euros). Before the marketing of this group offer (in October 2021), premium customers of CA Morbihan had to pay 234.70 euros to cover their banking needs.

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