Increases in bank rates that could exceed 5% are to be reported in 2025, according to the annual study by the consumer association CLCV, published Thursday January 9. “Account maintenance fees, bank cards, ATM withdrawals are the items on which we have seen the most increases in the different networks” banking, write the authors of the study.
The CLCV has analyzed the price scales in force on February 1, 2025 within around a hundred establishments, national networks and regional funds. Account maintenance fees, the essential basis of banking services, are, for example, increasing significantly, by around 8%.
In detail, the “small consumers” with a basic set of services, will now pay 69.78 euros on average each year (+5.46%), and so-called average consumers (a couple with two cards with loss and theft insurance), 134 .94 euros (+5.29%). THE “large consumers” within the meaning of CLCV, that is to say two holders of a “high-end” offer with a Gold or Premier card and making numerous withdrawals, are more spared, with an increase of 3.88% and an amount total of 214.87 euros on average.
These averages hide disparities. The retail banking market “remains, in fact, marked by significant price differences between brands, types of banking relationship, but also regions”highlighted the specialized site Moneyvox at the end of last year, which also took part in the price comparison exercise.
According to the CLCV, Crédit Coopératif is competitive in all market segments, while LCL is competitive for small consumers and BNP Paribas for medium consumers. SG, a merger of the retail banking networks of Société Générale and Crédit du Nord, is among the most expensive banks across all profiles, as are, to a lesser extent, the Banques Populaires.
The only bright spot this year is the new free instant transfers, which allow beneficiaries to receive the transferred money in less than 10 seconds, a service hitherto charged by certain banks.
