The announcements of the banks did not suggest an improvement. We now have the certainty. After two consecutive years of decline, the bank charges imposed on the French by their banks will increase in 2016. This is the main conclusion of the comparative site study Panorabanques.com, based on 158 establishments and published in the daily Le Parisien.
The expected increase in banking fees for 2016 (+ 2.3%) will even bring consumers back to 2013 levels, ie an average of € 190.50 a year. However, the increase remains uneven between the establishments that frankly feed the rise in these rates and those who opt for the status quo. On the sample of Panorabanques.com, 102 banks push up the bill, 16 keep the same price and … 40 choose to lower the required bank charges.
A diversity that is explained by a dual reality: the vast majority of banks increase their account maintenance fees, but a minority, in return, make a tariff effort on other services offered to their customers, the Internet and cards. deferred debit in particular. Agios, on the other hand, remain globally stable, most banks already claiming the maximum allowed by law. Still, the effort required from the customer is based on products that are almost “mandatory” (the current account), where the declines are found on services that do not yet concern all users. Internet subscriptions are still shunned by 20% of customers. As for deferred debit cards (cost decrease of -0.5%), they are much less widespread than cards with immediate debit (which they even increase by 3%). And better not to interpret the decline in the cost of debit cards as a sign of generosity of your bank: interbank fees are higher with this payment mode.
Online banks on the lookout
However, rising fees are not necessarily such a good deal for banks. Of course, they guarantee a return of money. But they do so mainly to adapt to external constraints: “Banks are under pressure because of the constraints of the regulators who impose a limitation of their costs and a consolidation of their own funds. And, with low rates and customers renegotiating their credit, they earn less money on bank loans, “says Guillaume Clavel, president of Panorabanques.com.
An obligation to find other sources of income, therefore, which is a bit more likely to increase the annoyance of customers who will pay more for an equivalent service. A context that risks rolling out the red carpet to online banks that do not charge, they, almost any fees. Although they still only account for 5% of banking customers, they account for three-quarters of new account openings. “Online banks are rubbing their hands and will not hesitate to advertise to bounce back on rising bank charges. And over time, the banking clientele will be more mobile and more autonomous with computers and will have less and less need of a dedicated personal adviser, “predicts Guillaume Clavel.