Research: the typical profile of elites is rare among the French (1%)

© Pixabay – Byrev

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&amp ;#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&#8221 ; 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.

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Our test Current account

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Annual fees  : 0 €  •  Initial deposit: €300

Cheque deposit: ✔  •  Cash deposit:  ✘

Bank card

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Euro zone withdrawals: Free  •  Eurozone payments: Free

Foreign currency withdrawals: Free  •  Payments in foreign currencies: Free

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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

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Google Pay

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 Zero fees abroad

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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

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Apple Pay

 0 € income requirement

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240&amp ;nbsp;€

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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

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 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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