Overview

• The CCSF/OTB report covering 103 institutions (about 99% of the market) finds a 3.1% average fee increase in 2025 versus roughly 1% inflation, with a 6.2% rise over two years exceeding overall price growth.
• Account-keeping fees climbed 8.95% on average, international card fees rose by less than 3%, and SEPA mandate setup charges jumped 16.67% due to two regional banks starting to bill for the service.
• Only about half of banks raised prices this year, with per‑bank annual increases ranging from €0.48 to €24, while the other half left tariffs unchanged.
• Protections for financially fragile clients remain broadly in place as 99 of 101 banks price the basic offer at €12 or less per year, with many waiving incident and intervention fees.
• The banking lobby cites higher IT and personnel costs to explain increases, while coverage notes growing customer shifts toward lower-cost online banks.