Overview
- CLCV’s review of tariff schedules from 107 banks effective 1 February 2026 shows an average 3% increase in retail banking fees.
- Account maintenance fees jump about 6.4% to €24.64 per year, and card charges rise roughly 2.1% across card types.
- The increases exceed government inflation projections of about 1.3% and December’s 0.8% annual rate reported by Insee.
- Average annual costs by profile are €71.71 for small users (+2.98%), €135.47 for typical couples (+3.77%), and €221.16 for heavy users (+3.04%).
- Pricing varies by institution, with some Crédit Agricole caisses, LCL and Crédit Coopératif ranking cheaper, while Société Générale’s retail network is among the most expensive; CLCV advises considering online banks and notes rising charges for out‑of‑network ATM withdrawals and incident letters.