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When you open a bank account at a bank, the bank asks you to pay fees that relate to banking services. Gold, as our colleagues at MoneyVox tell usthe latter have never been so important for the French.
Indeed, the CLCV (Consumption, Housing and Living Environment) is observing price increases that could exceed 5% on averagewith some categories reaching much higher levels. The most significant increases, in particular, concern account maintenance and bank card fees.
Bank accounts: a rising bill for all profiles
The impact of these increases varies depending on the profile of banking customers. In fact, our colleagues at MoneyVox distinguish between three profiles. To start, small consumers. For them, those who use basic banking services, the annual bill increases by 5.46%. Enough to make it reach almost 70 euros.
Average consumers who have at least two bank cards and insurance see their bill increase by more than 5%. Per year, this represents an expense of 135 euros. Finally, high-end customers, large consumers (Gold card, numerous withdrawals, etc.) must now pay 214 euros, an increase of almost 4%.
To have
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In France, the vast majority of citizens have bank accounts. So, they lose purchasing power because of these increases.
The limits of certain offers
To convince customers to open bank accounts, some banks offer certain options. But this does not escape the vigilance of the CLCV. Indeed, it also draws attention to bundled offers of services (or packages), often subscribed by default by the majority of customers.
While these formulas may seem practical, they are not always economically advantageous compared to an individual subscription. It is better to find out before opting for an offer that is less attractive than it seems.
But our colleagues at MoneyVox nevertheless highlight some good news. The latter being free instant transfers. Thanks to a European regulation, these operations, completed in less than 10 secondsmust now be aligned with the rates for traditional transfers. However, often these are free.
-Open bank accounts in online organizations
For consumers comfortable with remote relationships, online banks remain an attractive option. Their offers are competitive, but require particular vigilance regarding possible conditions of usesuch as maintaining a minimum income or savings.
To have
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Often, maintaining bank accounts is free, as are cards. You just need to meet certain conditions to benefit from this free offer. This is an attractive option for consumers who refuse to pay more.
Especially since French households are facing other increases. Indeed, bank accounts are not the only ones that will cost more in 2025. For example, car insurance is increasing by an average of 4% to 6% this year.
The increase is even greater for multi-risk home insurance. The latter sees its prices increase by 8% to 12%.
By combining these different increases, the financial burden on households increases considerably, well beyond the level of inflation. For many consumers, the search for more competitive alternatives becomes a necessity.
Source : MoneyVox
