Halso the rates of holding of account, penalty on withdrawals that are moved or dues, bank cards… In 2017, the customers of French banks have a vested interest in scrupulously examine their bank statements, and this on paper or online, since many institutions encourage opportunely to switch to 100% digital.
To stem the weakening of their margins, especially on the credits real estate (since rates are historically low), the French banks argue that are clustered and want to evolve their tariffs by 2017. The movement is started : in 2016, the customers of BNP Paribas or Société Générale have already been able to see. 2017 will be the year of the great catch-up general, groups, mutuals and postal bank including.
LCI demonstrates : “The Postal Bank will increase its rates effective January 1, 2017, to 12 euros from 6.20 euros currently.”
“The bank fee this is a little like gasoline, and when rates go up, they do not drop when rates go down, they go up”
the Rise of account fees
The Echos emphasize : “The account maintenance fee will again be leveraged to make effective (…). According to the data compiled by the firm Semaphores Council, these costs, which amounted on average to 12 euros per year in 2016 will reach 18 euros in 2017 (average of available rates)”.
Increased contribution from credit card
Ditto for the credit card, the annual fee will increase in practically all institutions in 2017, but usually “only” one or two euros per customer. However, even a + 18% at HSBC for the tariffs of bank cards, debit and + 6% at Société générale, says in his folder “Cash” : “the Bank, and if you find cheaper elsewhere”.
Rise of the rates of withdrawals moved
chapter small increase in “painless”, is also the billing (one euro) for withdrawals of the so-called “displaced”, that is to say, outside of the atm network of your bank. The practice, already in effect in some institutions, may well generalize by 2017. The question is simply a question of when : as soon as the first withdrawal or only in three or fourth…
What to do ?
It is quite simple : watch your statements, and if applicable, it is necessary to make the competition. The French banking industry is in a phase of recomposition under the effect of the rise of online banks, low interest rates, of the entry into force of new regulations (the impact of the law Hamon on the insurance, for example), and the scanning and growing the economy.
The iconoclast Marc Fiorentino columnist, a capital markets specialist and investment banker engaged on Friday, his analysis of the current situation in his newsletter : “The banks announce further increases in banking fees for the next year, to offset the effect of lower interest rates. The bank charges this is a little like gasoline, and when rates go up, they do not drop when rates go down, they go up. But especially do not change from bank to bank.” Note the irony…
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