Bank charges are still increasing in 2021. According to the annual study by the comparator Panorabanques, in 2021 the increase will be 0.6% on average, for an average annual expenditure of 216.70 euros.
Account maintenance fees continue to burden the budget of the French
Never since 2017 have bank fees increased so much. The year 2021 signs a considerable increase in most banks and in most positions, the comparator Panorabanques tells us in a new study.
Account maintenance fees again increase quite sharply in 2021 (+ 4.6% on average), for an average annual amount of 18.20 euros. This is 0.80 euro more than in 2020. Even if online banks do not charge account maintenance fees, this increase is important insofar as, in 2021, nearly 9 out of 10 French people are in a bank that invoices them. When invoiced, these costs average 23.70 euros. For consumers who wish to avoid paying it, in addition to online banks, we will note Crédit Agricole Ile-de-France and Crédit Coopératif, which still do not charge.
Bank cards are always more expensive
Another important item of expenditure is the contribution of the bank card. This increases by 0.5% in 2021, for an average annual cost of 61.90 euros. The classic bank card with immediate debit (debit card) now costs 42.30 euros, against 42 euros in 2020 (an increase of 0.7%). 46 banks increase the price of this card, while 2 establishments show a decrease. The cost of the classic deferred debit card (credit card), meanwhile, continues to decline. Its annual membership fee goes from 43.10 euros to 43 euros (a decrease of 0.2%). 8 banks are lowering the price of this type of card, while 35 banks are increasing it.
Once considered to provide an additional service, the deferred debit card has long been billed more expensive. Now, the difference is only 0.70 euros for all banks. Better still, in about thirty banks, the deferred debit card is less expensive than the immediate debit card.