our banking fees will increase in 2024

According to a study which has just been revealed, prices have already increased significantly since the beginning of January.

This is confirmed by the Banking Rates Observatory. He scrutinized 14 banking services which are included in what we traditionally call the management fees for our bank accounts. This ranges from cash withdrawals to inter-account or interbank transfers, including the provision of a withdrawal card at ATMs, intervention commissions, etc. The grids of 100 establishments were scrutinized: 93 network banks with physical branches and seven online banks, available on the internet.

Since the beginning of January 2024, the annual cost of account maintenance fees, for example, has increased by 3% to average 21.22 euros compared to 20.60 euros last year. We find approximately the same figures as those of the consumer association CLCV which also made the comparison. According to the association, all banking rates are increasing by 2.5 to 3%, or even a little more this year.

Which customers are experiencing the greatest increase?

If we are to believe the data communicated by the Financial Sector Advisory Committee, on which the Observatory behind the study depends, these are the “small consumers”, those who have a basic set of services (immediate debit card, etc.). Consumers “means” (spouses or couples each with a card who have loss and theft insurance) are also concerned. Concretely, those qualified as “small consumers” have seen their bank charges since January 1 rise to more than 66 euros (+2.97%) and the second profile is approaching 148 euros (+3%).

All banks have not yet published their price scales, but the variations should not change too much, because these are averages for the majority of large establishments. This increase comes after a lull in 2023. In the midst of galloping inflation, the government had asked bankers to moderate their rates. Obviously, they are making up for it this year.