Hausse tarifs bancaires en 2024

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Après une année 2023 stable, les banques se redressent en 2024 : les frais de gestion de compte, de cartes bancaires et autres augmentent, avec une hausse moyenne de 2,5% à 3%, affirme l'association CLCV dans sa conclusion de son étude annuelle publiée mardi. - L'info en continu  https://buzzplus.fr/ Infos, news & actualités - L'information internationale en direct.

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00:00 After a stable year of 2023, banks are back on track in 2024.

00:04 Accounts, credit cards and other fees are rising,

00:07 with an average increase of 2.5% to 3%,

00:10 says the CLCV association in its conclusion of its annual study published on Tuesday.

00:15 These are small consumers,

00:17 who have a set of basic services,

00:19 account holding fees,

00:21 cash flow cards,

00:22 and so-called "medium" consumers,

00:23 two owners with each a card with a loss and theft insurance,

00:27 a bank check every ten years,

00:28 who are subject to the highest inflation,

00:30 respectively 2.97% and 3%.

00:34 Their annual bank fees,

00:36 applied for the most part since January 1,

00:38 this year are 66.23€ for the first profile

00:42 and 147.80€ for the second.

00:45 The estimated inflation in France was 3.7% over a year in December,

00:49 according to INSEE.

00:50 The big consumers, in the sense of CLCV,

00:54 that is to say two owners with a gold card or first,

00:56 a loss and theft insurance or many other fees,

00:59 will see their bill inflated from 2.52%

01:02 to 207.65€ in 2024.

01:05 The authors of the study say that these increases are mainly due to the evolution of account holding fees,

01:11 plus 3%,

01:12 of the cost of bank cards,

01:14 and to the increase in package rates,

01:16 these services are considered to be unprofitable for the customer.

01:19 The CLCV also points to the changes brought by some establishments

01:23 to the rules applicable to withdrawal from automatic bill distributors,

01:26 such as the increase in the withdrawal cost in another network

01:29 and the decrease in the number of free withdrawals authorized in a competing bank.

01:33 However, at the same time, banks dismantle their automatic bill distributors,

01:38 cutting their number to fall by 12% between 2018 and 2022,

01:42 according to the French Banking Federation (FBF).

01:45 Comparison

01:46 Banks also tend to charge more for operations carried out in agencies,

01:51 which penalizes people who are not able to apply for online operations

01:56 or for less common operations,

01:57 emphasizes the association.

01:59 The CLCV has removed the tariff grids from a hundred establishments,

02:03 including BNP Paribas,

02:05 Société Générale or the regional cash registers of the Agricultural Credit or BPCE networks.

02:09 This year's increases are higher than those observed in 2022,

02:13 more than 2.5% on small and medium-sized consumer profiles,

02:17 and in 2023, almost stable for all.

02:21 The CLCV makes these comparative tables public.

02:24 We can see that the cooperative credit and some agricultural credit cash registers

02:28 are rather competitive in all segments of the market

02:31 when LCL is for small consumers and BNP Paribas for medium-sized consumers.

02:35 The SG, a merger of the banks' networks of Société Générale and Credit du Nord,

02:40 is among the most expensive banks on all profiles,

02:43 as are popular banks to a lesser extent.

02:46 Incidence of incidents

02:48 The average amounts calculated by the CLCV do not include any interest for bank incidents.

02:53 The Panorabanque comparator, which integrates its costs into its calculations,

02:57 concluded last year that it averaged a third of the total bank fees.

03:01 According to him, the annual average of the total bank fees,

03:05 all these types of consumers combined,

03:07 with the interest rates,

03:08 rose from €2,023 to €220.60,

03:11 which is more than the big consumer profile of the CLCV.

03:15 The CLCV is also interested in and notes that banks charge for the vast majority

03:19 the legal ceiling of the commission of intervention, €8,

03:22 or the fees for the rejection of cheques, €50 for a cheque of more than €50.

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