The maintenance costs of the bank account have exploded since 2013,
INFOGRAPHY - In 2018, the maintenance costs of the account reach 18.50 euros on average, against 6.60 euros five years earlier, according to a Study site Panorabanques.com A strong increase that the French Banking Federation doubts.The bill is increasingly salty.Since 2013, maintenance costs have indeed been multiplied by three, according to a study by Panorabanques.com. analyzing the bank rates of 158 banks This year, maintenance costs for the year average € 18.50, a moderate increase of 2.2% compared to 2017. As a reminder, these honor areas are defined as "fees received by the bank for the management of the account," reads Decree No. 2014-373. They are now billed by almost all traditional banks. "In 2018, nearly 9 French out of 10 are in a bank that charges maintenance fees", says the comparator. Exemption from maintenance costs is possible.Customers can be exempted from this benefit if their income is domiciled in the bank (note: when the account holder incurs a mortgage, the bank may require that its income from the activity is domiciled for a maximum period of ten years). The user can also be exempted when he subscribes to a bundled service offer, also called "package" .77% increase between 2015 and 2016 Comment explain such inflation in five years? Indeed, maintenance fees have exploded in 2015-2016, up to 77%, according to the comparator.Objectif for banks, "protect their profitability" in a context marked by low rate, says Guillaume Clavel, founder of Panorabanques.com. The arrival of banks online, including the birth of Orange Bank in 2017, seems to have encouraged banks to limit the rise in account maintenance fees. cause these players rely on free services to attract new customers. "Banks feel very competitive because today the growth of customers is on the side of online banks," says Guillaume Clavel. In 2018, "five banks reduce account maintenance fees, two of which eliminate them completely, 19 banks do not charge maintenance fees, "note the authors of the study." This moderate increase could be an entry into the wisdom of banks, "said Serge Master, president of the French Association of users of the bank. "In fact, it intervenes rather like a self-regulation of the banks, in order to anticipate a reaction of the public authorities, that in reaction to the arrival of new
