Crédit Agricole, Crédit Mutuel… the cheapest traditional banks for retirees

For retirees, the annual bill amounts on average to 217.20 euros, compared to 212.80 euros in 2025. This profile is however reasonable since it never exceeds the amount of their authorized overdraft. What costs him so much? Their Visa Premier or Gold Mastercard bank card, billed on average 138.60 euros in its deferred flow version.

But above all, the retiree carries out all his operations in an agency. Online banks are therefore excluded from this ranking. However, banking networks apply increasingly heavy prices to operations carried out in the agency. “ An occasional transfer made in an agency costs on average 5.40 euros in 2026, or 5.90% more than the previous year » explains Anna Meylacq, spokesperson for Panorabanques.

The note even reaches 7 euros at Crédit Agricole Alsace Vosges, 7.50 euros at Crédit Agricole Lorraine and 8 euros at SG. Please note that Crédit Agricole is particularly well placed for this type of clientele since thirteen regional banks display a total bill of less than 200 euros.

Services included in our retiree profile

– CB Visa Premier or Gold Mastercard with deferred debit

– 3 withdrawals per month from the ATM

– No spending abroad outside the euro zone

– Benefits from a personalized overdraft authorization (used 10 days per month, up to €500)

– No overdraft incident

– 2 checkbooks collected from the agency per year

– 1 permanent transfer set up and 12 periodic transfers per year initiated at the counter
– 2 occasional transfers per year in agency

– 3 direct debits and 36 monthly direct debits from private organizations

– manages your internet accounts