The inflation forecast for 2022 should be felt on the costs of certain raw materials, but also on those of banking services, which are to come into force in February.
The association Consumption Housing Framework of Life (CLCV), which encourages consumers to compare offers and play the competition, is worried in its annual study published on Tuesday.
“The average cost of our basket in metropolitan France (…) is up more than 2.5%” on two of the three consumer profiles studied, explain the authors of this CLCV report. It will be 68.14 euros per year (+ 2.58%) for a consumer with limited services and 149.32 euros (+ 2.70%) for an account used by two holders with a number of services a little higher.
The association points out in particular the increase in card costs, including those with immediate debit (+ 1.3%), account maintenance fees (+ 2.4%) and withdrawals from distributors due to the reduction by certain establishments of the number of free withdrawals outside their networks.
However, distributors are becoming rarer, according to a report from the Banque de France published in July on the number of distributors and cash access points in France in 2020.
"Against the rhetoric about
the bank near you"
The president of the association, Jean-Yves Mano, believes that these rates "go against the discourse on
the bank near you
and penalize people with low resources".
CLCV's finding is based on a study of the rates that will be in effect on February 1, 2022 in 127 banks in mainland France and overseas, for three consumer profiles - small, medium or large - depending on the number of services. used.
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The increase is less significant (+ 0.27% to 209.94 euros) for the "heavy consumer" profile, two holders with a large number of services including for example a Gold or Visa Premier card and an international debit payment card deferred.
The association also highlights "real billing differences for the same basket" and invites consumers to be vigilant and to play the competition, advice already given last year.
It also questions the advantage of "packages", these bundled offers at a fixed price, compared to banking services paid "à la carte".
