2024-01-02 10:31:18
In 2024, the French banking sector will experience a significant increase in the prices of its services. Despite inflation affecting various sectors, banks have not been spared, with service rates increasing significantly. Adeline Moisiard, marketing director of Panorabanques, indicates in Le Monde that this increase remains lower than that of overall inflation.
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Specific increases per bank
According to a study by Panorabanques, traditional banks will increase their prices by 2.4% on average. For example, Crédit Agricole Center Ouest will see a 50% increase in its account maintenance fees, while La Banque Postale and Banque Populaire Val de France will increase their fees by 21.4% and 20% respectively. These increases contrast with the stability of online banking prices.
Impact on customers
These increases will affect various services : money withdrawals from other banks will cost 10% more, SMS alerts will be increased by 4.2%, and transfers from securities accounts will increase by 9.5%. In addition, banks will impose a minimum agios in the event of payment incidents, and credit card fees will increase depending on their category.
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Comparison of bank rates for 2024
The cheapest banks in 2024
According to Le Point, the most competitive rates in 2024 will be at LCL for young people, La Banque Postale for classic profiles, and Société Générale for premium accounts. In comparison, online banks like BoursoBank and Fortuneo will offer minimal to no fees for multiple user profiles. Regional banks like Banque Populaire will also be competitive, particularly for young people. For young profiles, LCL will be the cheapest national bank. For classic and premium profiles, La Banque Postale and Société Générale will offer the most advantageous rates. As for online banks, BoursoBank and Fortuneo stand out for their very low fees for different profiles.
The year 2024 will see a notable increase in the prices of banking services in France. This increase will be more marked in traditional banks compared to online banks. Customers will have to adapt to these new costs, while taking advantage of the more competitive options offered by certain banks, particularly in the online and regional banking sector.
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