It is to online banks that young people must turn to limit their costs as much as possible: they only spend 2.20 euros in the year with BoursoBank And Fortuneothese establishments do not charge their customers for the bank card provided that they use it regularly. “ The only fees paid by our young customer in these two online banks therefore correspond to a payment incident » adds Anna Meylacq, spokesperson for Panorabanques. Note, since the end of February, BoursoBank offers fees linked to overdrafts when they are less than 1 euro per quarter.
L’addition climbs in the other banks since it reached 54.20 euros on average in all of the 97 banks examined. A reasonable level because most network banks make efforts on the price side for young customers up to 25 years old, by offering them adapted rates, with 50% discounts or even more on certain products and services. Note, Monabanq, the online bank of the Crédit Mutuel Alliance Fédérale group, is more expensive than many historical networks since it is placed in 46th position at 55.10 euros.
The operations and products taken into account in our 22 year old profile
– International Visa or Mastercard with immediate debit
– No spending abroad outside the euro zone
– 2 relocated withdrawals (at the ATM of another bank) per month at the ATM
– 1 checkbook collected from an agency per year
– 1 incident generating 2 intervention fees, and an unauthorized overdraft of 500 euros over 10 days and 1 information letter for unauthorized debtor account
– 1 Internet subscription
– 6 occasional transfers per year initiated via the internet
– 1 permanent transfer set up and 12 periodic transfers per year initiated via the internet
– 2 direct debits and 24 monthly direct debits from private organizations
Our list of bank charges
Panorabanques dissected the brochures of 97 banking establishments for Capital. Find the cheapest, depending on your profile, in our special bank charges file.
