The most expensive and cheapest banks of 2023

Online banks break all records

But according to the details, are you one of the lucky ones? Is your bank one of the most profitable? Online banks, surprisingly, continue to break all records in terms of price competition. As in 2022, Monabank customers will pay the service baskets defined by CLCV (subscription to SMS alerts, account maintenance fees, commissions for withdrawing cash from another bank, etc.). For Fortuneo, the services basket is free. With Hello bank, consumers will pay between €24 and €122 depending on the offers they choose. Finally, cards are free at Boursorama if you follow the terms of use. Included services are also free.

Cheapest traditional banks

Which banks have the most favorable rates among the 97 traditional banks of France? CLCV classifies businesses according to three profile types: the light consumer (a small customer who uses a few services), the medium consumer, known as the active pair, and the heavy consumer, who uses the highest level of services. The most attractive prices for the average consumer are offered by the territorial versions of Crédit Agricole, BNP Paribas and Crédit Coopératif.

Conversely, LCL, Société Générale, CIC and Bred Banque Populaire Métropole are among the worst students.

What about small consumers, that is, those who only have one account and use a limited number of services? In the top-10 cheapest banks for this profile, Crédits Agricoles are still the best students. Milleis and LCL also offer competitive rates. At the other end of the rate spectrum, Brad Banque Populaire Métropole and BNP Paribas are among the cheapest banks for the same small consumer.

Finally, for the “heavy consumer”, only Crédit coopératif remains in the top 10 of the cheapest banks still covered by Crédit Agricole funds. LCL, Société Générale and Milleis are still in the top 10 of the most expensive enterprises.

CLCV has also prepared a ranking of banks by branches available here.

Three types of profiles defined by CLCV.

“The Small Consumer”the income corresponds to a basket of services for an account maintained by a single person who lives there and uses a limited number of services: commissions for maintaining the account, consulting his account via the Internet, immediate debit of an international Visa or Mastercard bank card, 8 per month with a bank card, including from the network outside 2, direct debit to commercial enterprise and 6 monthly payments by direct debit (electricity, gas, tax, mobile phone, foreign loan and rent).
“Average Consumer”, whose income corresponds to the basket of services used in the account by the two owners who live there. Services basket account maintenance fees, Internet account management subscription, bank check every 10 years, deferred debit Visa or Mastercard with loss and theft insurance for both cards 2 international payment cards, 16 withdrawals per month, including 8 external network (6 with the first card, 2 with the second card), implementation of a permanent direct debit from a commercial enterprise, 8 direct debits per month (light, gas, tax, two mobile phones, foreign credit, rent and insurance), 2 foreign permanent debits every ten years setting up the transfer, if possible via the Internet, 2 permanent transfers per month
“Big consumer”, whose income corresponds to the basket of services used in the account by the two owners who live there. Services considered are account maintenance fees, subscription to Internet account management, Gold or Visa Premier card and international deferred debit card with loss and theft insurance, 16 withdrawals per month, 8 of which are out of network (6 with first card, 2 with the second), setting up a permanent direct debit to a commercial facility, 14 permanent direct debits per month (electricity, gas, income tax, property tax, housing tax, water, two mobile phones, foreign credit, two insurance policies, two magazines, one Internet service provider ), 6 foreign permanent transfers established every ten years, if possible via the Internet, 2 foreign permanent transfers per month and 2 random transfers per year, if possible via the Internet.

*Methodology: The prices of 118 establishments in mainland France and abroad were studied by CLCV. Annual pricing by customer profile. The score is calculated for three typical customer profiles: a small customer who uses several services, a couple with moderate consumption, known as an active couple, and a high-end couple, a heavy consumer of banking services.