Overview

• Based on a CCSF/OTB study covering 103 institutions representing 99% of the market, banking service prices rose 3.1% year over year against 1.0% overall inflation.
• Over two years, tariffs climbed 6.2% compared with a 3.2% rise in consumer prices, confirming a faster pace than general inflation.
• Ten of the 14 main services became more expensive, led by account maintenance fees up an average 8.95%, with roughly half of banks raising these charges and the rest holding them steady.
• International card fees increased by under 3%, while SEPA direct‑debit mandate setup fees jumped 16.67% due to two regional banks introducing charges, a service that remains free at 93 institutions.
• The low‑cost offer for financially vulnerable customers stays below regulatory caps, with nearly all banks pricing it at €12 a year or less and many waiving incident and intervention fees; overseas price gaps narrowed in Pacific territories but remain elevated in euro‑area DROMs for most items.