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L’IFOP, one of the most followed polling institutes in France, has just published a complete file on the French, “their bank” and “their expectations“. We discover that many habits popular among the wealthiest social classes are very rare among a majority of the population. A first edifying example lies in the “number of banks owned” : only 1% of inhabitants of France have four accounts, compared to 6% with three accounts and 64% with only one establishment to their credit. Multiplying the number of partners, however, makes it possible to reduce the risks in the event of bankruptcy, particularly because the state currently only guarantees 100,000 euros per client and per bank. What's more, we know that wealth managers also favor opening several accounts in order to benefit from the best rates depending on a particular transaction to be carried out or to protect funds abroad.
The IFOP report highlights other data that puts into perspective the takeover of FinTech alternatives over traditional establishments. 83% of French people would have an account in a physical agency with online access, compared to only 14% for entirely online offers. Among the big names in the sector today, we can notably cite the case of the British Revolut or the German N26, even if the latter has been under fire for several years now. The fault lies in functionalities that are still too limited and the blocking of the funds of many customers, without the slightest justification.
Foreign banks in the sights
According to research carried out by the IFOP, only 6% of French customers consider that the banking industry in their country is not “not at all” efficient. Which seems to coincide with the flight of billions of euros of capital abroad, where rates are often much more attractive than those governed by Bercy. On the other hand, 37% of users do not at all consider the French banking sector as a “national pride& ;#8220;.
Professionals, in particular, are particularly affected by the banking exodus. While historic tax havens today find it increasingly difficult to continue to convince the richest, large portfolios no longer hesitate to turn to countries where regulation leaves more room for to a certain liberalization. Singapore and Eastern Europe particularly know how to convince successful or just-starting entrepreneurs, also thanks to tax rates offering more room for maneuver.
Take the test: do you meet the expectations of the French?
To go further, let's take a look -us now on the expectations of French bank customers regarding their service provider.
Here, the IFOP assures for example that 80% of respondents consider the ideal bank as allowing “the possibility for its customers to use services on the internet and in branches depending on” ; their needs. In other words, 100% mobile or 100% physical is clearly not in fashion, it seems.
To better understand these results, it is obviously necessary to remember that they remain in the order of estimation. In addition, comparing the statistics with competing reports, such as those from Ipsos or Nielsen, allows us to qualify the results.
With this, let us clarify that The panel surveyed by the IFOP only considered the opinions of around four thousand people, even though they were all aged eighteen or over. In terms of timing, the survey was carried out between November 17 and 27, 2023, i.e. well before the launch of the new Lydia application or the arrival of split payment at Qonto.
Apple Pay
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Pay
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Black Card available
Foreign& ;nbsp;: 100% free
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160 €
OFFERED
Our test Current account
Conditions:
Annual fees : 0 € • Initial deposit: €300
Cheque deposit: ✔ • Cash deposit: ✘
Bank card
Monthly card cost: 0€
Euro zone withdrawals: Free • Eurozone payments: Free
Foreign currency withdrawals: Free • Payments in foreign currencies: Free
Cards offered
Mobile payment
Apple Pay
Google Pay
Pay SEE + 1
Apple Pay
Google Pay
Pay
Bank the cheapest
Apple Pay, Google Pay
Premium card free
Bonus linked to payment
80 €
OFFERS
Our test Current account
Conditions: No income condition – Welcome and Ultim cards
Annual fees: 0 € • Initial deposit: €300
Cheque deposit: ✔ • Cash deposit: ✘
Bank card
Monthly card cost: 0€
Euro zone withdrawals: Free • Eurozone payments: Free
Foreign currency withdrawals: 1.69% • Foreign currency payments: Free
Proposed cards
Mobile payment
Apple Pay
Google Pay
Pay VIEW MORE 2
Apple Pay
Offer free and unconditional
Zero fees abroad
Best savings account
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Prime : 1€ per month/6 months
80 €
OFFERS
Our test Current account
Conditions& nbsp;: No income requirement
Annual fees: €0 • Initial deposit: €10
Cheque deposit: ✔ • Cash deposit: ✔
Bank card
Monthly card cost: 0€
Euro zone withdrawals: Free • Eurozone payments: Free
Foreign currency withdrawals: Free • Payments in foreign currencies: Free
Cards offered
Mobile payment
Apple Pay SEE MORE 3
Apple Pay
0 € income requirement
Check and cash deposit
Visa Premier 0 condition
Award-winning customer service
240& ;nbsp;€
OFFERS
Our test Current account
Conditions: No income condition
Annual fees: €36 • Initial deposit: €50
Cheque deposit: ✔ • Cash deposit: ✔
Bank card
Monthly card cost: 0€
Eurozone withdrawals: Free • Eurozone payments: Free
Foreign currency withdrawals: 2% • Payments in foreign currencies: 2%
Cards offered
Mobile payment
Apple Pay SEE MORE 4
Apple Pay
Google Pay
N26 Standard: CB gratuite
Open an account in 8 minutes
Unlimited and free payments < /p>
Excellent mobile application
Our test Current account
Conditions: None
Annual fees: €0 • Initial deposit: €0
Cheque deposit: ✘ • Cash deposit: ✘
Bank card
Monthly card cost: 0€
Eurozone withdrawals: 3 Free withdrawals (then €2) • Eurozone payments: Free
Foreign currency withdrawals: 1.70% • Payments in foreign currencies: Free
Cards offered
Mobile payment
Apple Pay
Google Pay SEE MORE 5
Open an account in 5 minutes
RIB French
Map Mastercard Standard
Cash deposit at 7 200 tobacconists
Our test Current account
Conditions: None
Annual fees: €20 • Initial deposit: €0
Cheque deposit: ✘ • Cash deposit: ✔
Bank card
Monthly card cost: 0€
Euro zone withdrawals: €0.5 at a tobacconist, €1 at an ATM • Eurozone payments: Free
Foreign currency withdrawals: €2 per transaction • Payments in foreign currencies: €1 per transaction
Cards offered
VIEW + 6
Apple Pay
Google Pay
N26 You : Mastercard Gold
Travel and transportation insurance
Unlimited withdrawals and payments
Excellent mobile application
Our test Current account
Conditions: None
Annual fees: €118 • Initial deposit: €0
Cheque deposit: ✘ • Cash deposit: ✘
Bank card
Monthly card cost: 0€
Eurozone withdrawals: 5 free (then 2€) • Eurozone payments: Free
Foreign currency withdrawals: 0.00% • Payments in foreign currencies: Free
Cards offered
Mobile payment
Apple Pay
Google Pay SEE MORE 7
Apple Pay
Google Pay
N26 Metal : Metal CB
Travel and transportation insurance
Unlimited withdrawals and payments
Exclusive services on the application
Our test Current account
Conditions: None< /p>
Annual fees: €202 • Initial deposit: €0
Cheque deposit: ✘ • Cash deposit: ✘
Bank card
Monthly card cost: 0€
Euro zone withdrawals: 8 free (then 2€) • Eurozone payments: Free
Foreign currency withdrawals: 0.00% • Payments in foreign currencies: Free
Cards offered
Mobile payment
Apple Pay
Google Pay SEE MORE 8
Apple Pay
Google Pay
Revolut Standard: Standard Account free open in a few minutes
No shipping fees foreign (subject to conditions), investments & cashback on major brands
Customer service available 24/7
Our test Current account
Conditions: None
< p>Annual fees: €0 • Initial deposit: €0
Cheque deposit: ✘ • Cash deposit: ✘
Bank card
Monthly card cost: 0€
Euro zone withdrawals: Free up to €200 per month • Eurozone payments: Free
Withdrawals in foreign currencies: Free up to €200 per month • Payments in foreign currencies: Free
Cards offered
Mobile payment
Apple Pay
Google Pay SEE + 9
- Many French people only open one bank account, and that's not all. #8217;is risky
- Online agencies are not as popular as you might think
- These figures were compiled for an IFOP survey, and should be considered with caution
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