Inflation will also be felt in bank rates this year, warns the Consumption Housing Framework of Life (CLCV) association on Tuesday, which encourages consumers to compare offers and play the competition. "
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 study published each year by CLCV. 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.
Read alsoThe UFC that to choose denounces opaque banking tariffs
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. The president of the association, Jean-Yves Mano, believes AFP that these rates "
go against the discourse on the + bank near you + and penalize people with low resources
".
Play the competition
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.
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.
Read also Targeted reduction in bank rates
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
".