French banks are announcing their new price scales for 2025, and the bill is likely to be steep. To compare the different offers and find the best prices, there is a public and completely free online service.
Despite very sharply falling overall inflation at the end of 2024, several essential services will experience price increases from next year. Mutual, insurance, technical inspection but also bank charges will soar from the 1is next January. Indeed, at least three major French banks have already announced significant increases in their price scales in 2025: La Banque Postale, BNP Paribas and CIC.
As for the last two, as reported by Le Journal Du Net, the increases are varied and concern numerous services. At CIC for example, monthly account maintenance fees increase by +4.76% to €2.20 and SMS notifications by +6.25% to end at €1.70 per month. And for BNP Paribas, all bank cards see their annual price increase by 3% on average, and withdrawals from ATMs by +14.29%, at 50 cents more per transaction.
But it is undoubtedly at La Banque Postale that the increases are the steepest. As noted by Le Journal du L'Economie, the banking institution has reviewed its entire price list, including an increase of +11.76% in account maintenance fees, +10% in transfers made in branches and fees overdraft, and +15.94% in intervention commissions. But above all, it is the postal costs of returning an undelivered letter that are exploding, going from €7.50 to €20 per returned letter.
By the end of the year, there is no doubt that all other banking establishments will present their revised price schedules, and that the general trend will be upwards. To limit the impact of these increases and preserve your purchasing power, it may be wise to change banks in 2025, or to try to renegotiate your contract with your current establishment. To navigate the jungle of prices and make relevant comparisons, a free public online service can greatly help: https://www.tarifs-bancaires.gouv.fr/
This official portal, set up by State services, and therefore independent of any private banking establishment, allows you to easily and quickly compare the rates charged by different banks. The site allows you to carry out a search by type of establishment (with agency or only online) and by geographical area, but above all, to select the services and services for which you wish to compare prices.
For example, if you use SMS alerts and over-the-counter transfers a lot, you can create in a few clicks a comparative table for these specific services, presenting the prices charged in the different banking establishments in your department or in new banks. -online banks. It is thus much easier and faster to identify the service provider who offers the best prices for the services that interest us, rather than manually going through the price lists of each establishment.
