Banking rates will continue to rise in 2025, impacting millions of customers. Payment cards, account maintenance fees or branch transfers: overview of the increases announced and some good news that could soften the bill.
Bank cards: widespread increases
The increase in bank fees particularly affects payment cards. At BNP Paribas, the Visa Classic will reach €49.50 (+3.12%), while the Visa Premier will climb to €144. Even the prestigious Visa Infinite will not be spared, with a price of €347, marking an increase of 2.97%. This price movement is not isolated. CIC and Banque Postale follow a similar trend, with increases of around 2 to 6%.. In addition, bundles, which combine various banking services at a preferential rate, will also undergo adjustments. For example, “Esprit Libre Reference” at BNP Paribas will see its price increase by 1.65% to reach €88.68 per year.
Account maintenance fees, often criticized, are not immune to the upward trend. In 2025, these costs will increase significantly: at the CIC, they will amount to €2.20/month, an increase of 4.76%. For La Banque Postale customers, an increase of 11.76% will bring these fees to €22.80 per year.
Agency transfers: an increasingly expensive service
The increase in fees linked to transfers made over the counter also illustrates the banks' strategy to encourage the use of their digital services. BNP Paribas will charge €4 per transfer, an increase of 14.29%. As for La Banque Postale, each transaction carried out in a branch will cost €5.50, marking an increase of 10%. Fortunately, online transfers remain free in most establishments.
However, all is not gloomy for users. From January 2025, free instant transfers will become a reality throughout Europe, a major advantage when these transactions are still billed at up to €1 depending on the establishment. In addition, cash withdrawals from Cash Services ATMs will be free, thanks to a partnership between several major banks. While these initiatives provide a welcome respite, they are not enough to compensate for the overall increase in prices, leaving it to consumers to explore the best offers.
