The French are less exposed.
If they are still nearly one in two (46%) to have been at least once in the red in 2021, this figure remains five points lower than that recorded in 2020 (51%), in the midst of the crisis. of Covid-19, according to a study by the Panorabanques bank comparator, published on Tuesday.
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In detail, 19% say they have been checked every month, 13% every quarter and 15% once a year.
On average, the average amount of the French overdraft stands at 232 euros, again down compared to 2020 (246 euros, -6%).
Some audiences are more familiar with this situation than others.
This is the case of French people with children (59% of couples with children have been in the open at least once a year), young people (24% of 18-34 year olds have been in the red once a month, compared to 12% of those aged 66 and over) and men (50% at least once a year, 7 points more than women).
Half in unauthorized overdraft
To explain their bank overdraft, the French cite three main reasons: an overall difficult financial situation (36%), a significant unforeseen expenditure (34%) and a lack of attention in the management of their account (23%).
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Among the French who have faced this situation, half of them (49%) say they have exceeded their overdraft limit at least once a year.
An average amount of unauthorized overdraft which stands at 284 euros, down 4% compared to 2020 (295 euros).
