Three million customers are attached to a bank charging outrageous fees that don't exist elsewhere.
This is a subject that upsets many French people, especially those in greatest difficulty. Bank charges are the subject of much discussion and, above all, disputes. Because studies show it: households with the least means suffer the most from these expenses. Among them, one seems to be from another time.
In this digital age, all banks offer their customers a personal space, online, in order to monitor their expenses and carry out various operations, such as transfers, oppositions, bank card orders or others. Free access… but not for everyone! Yes, many establishments still charge extra. their customers connecting à his account on the internet.
The prize for the most expensive bank on this service goes to; the Banque de Savoie (1 million individual and professional customers). It charges individual customers 4.43 euros every month so that they can access their data. their online account. At the end of the year, the bill is steep: 53.16 euros. And this, for actions that do not require the slightest intervention from an employee. form the bank. Fees that appear ludicrous, but nevertheless very real, mentioned in black and white on the price brochure of January 1, 2024.
This subsidiary of the Banque Populaire – Caisse d'Epargne (BPCE) group is closely followed by BRED. Indeed, the establishment, and its 1.3 million customers, does not hesitate either to do so. do the same. Subscription cost: 3.30 euros per month, or 39.60 euros per year.
Other banks, this time from Crédit Mutuel, do not offer free banking either. connection &agrav; the customer area. First, Cr Crédit Mutuel Antilles-Guyane. People (160,000) holding an account in this establishment present in Guadeloupe, Martinique, Guyana and elsewhere. Saint-Martin must pay 1 euro per month, or 12 euros per year, to be able to access their online account.
In mainland France, it is Crédit Mutuel Maine-Anjou Basse-Normandie, present in Manche, Orne, Sarthe and Mayenne, which charges its customers (700,000) so that they have access to their personal space. If the establishment deigns to offer two connections per month, each additional visit is billed at 50 cents. Checking your finances once a week therefore costs 1 euro per month, that is to say, at least 1 euro per month. again, 12 euros per year.
These small lines in the contract, discreet and often overlooked by customers, are part of these expenses which can be limited or stopped by changing banks or after negotiation with your banker. These prices can also be lowered through bundled offers or promotions can be applied. You still need to be aware of their existence .