Change easily pay by bank card within 15 … – The World

Le Monde | 05/21/2015 at 10:33 • Updated 21/05/2015 at 17:16 | By Anne Michel

Gradually, without anger, Michel Sapin nibbles a little ground on the banks. The benefit of consumers. Visiting Thursday, May 21, in the morning, in an agency of the Postal Bank in Ivry (Val-de-Marne), the Minister of Finance announced a package of concrete measures to make the change fully automatic bank while ensuring its free. And pull down the prices of banking services through a comparator stamped government rates, launched by the end of the year.

“Finally! “, say consumer groups, while several laws adopted by the right and left, are coming to the end or the famous ” banking mobility “ or the opacity rates charged by banks.

• In the late 15 euros threshold for card payments

The day before, on the antenna of the TV channel LCP, the Minister announced his intention to end the prohibition of payment by credit card for payments under 15 euros, practiced by many traders. “I hope there are no more obstacles to payment by bank card” , he confirmed Thursday to Paris .

The project will be detailed at Audience of means of payment, June 2 at Bercy, but a priori, the government is currently negotiating with banks a decline in fixed commission they levy on transactions and penalizes small purchases.

If the negotiation fails, it will go through the law. It is, through this measure, the means of promoting the most modern payments and, from the point of view of security, traceable …

• Changing bank facility

In detail the provisions therefore include improving the bank change procedure. An objective that consumer advocates know the importance, as it allows play competition on prices.

A help service and unconditionally free mobility has been set up in March 2014, in the consumption law. But it remains inadequate: in France, few are still customers who face the administrative procedures necessary to leave the bank, even if they have been simplified in the past. Bercy wants more concessions from banks

Thanks to an amendment already tabled in the Macron law on growth, activity and equal economic opportunities -. Bill passed the Senate on May 12 which will be a new reading in the National Assembly next week – the government promises that the transition from one bank to another will be painless for the customer. Banks will speak them to manage the transfer of the accounts and change their domicile bank transfers. Everything will be automated, customers themselves will have nothing to do

Read also:. Change bank will soon be easier

Getting an add early warning mechanism, by SMS or email to alert customers of potential withdrawals, transfers or checks presenting their account closed until thirteen months after closing. If members also vote the amendment, the changes will take effect in January 2017.

Michel Sapin today promises to go further, guaranteeing this free “enhanced banking mobility “. ” I wish this device to be free, he tells the World. The current system already is, consumers do not understand that there is not it. ” “It is necessary that there is no financial cost to the banking mobility” added the Minister.

• A comparator bank charges for late the year

As for the public comparator bank rates, Bercy will also go quickly by launching by the end of the year, for example, calls offers. Existing comparators, backed by consumer groups or more or less independent banking companies, for their part, will be framed.

In fact, according to the Ministry of Finance, readability and the ability to compare bank charges “have greatly improved in recent years” . But “this work should be continued transparency” . Bercy intends to ensure a clear, comprehensive, independent. And free, so while many of these comparators are paid immediately or require to subscribe to term. The future public comparator will focus on eleven reference rates, on the most common services: the cost of a card price of banking operations in other networks, etc. A dialogue will be initiated between banks and consumers, to define the contours …

Always sensitive topic of tariffs triggers knee-jerk reactions among French banks, to support studies are hard to prove they are the cheapest in Europe.