Bank costs 2025: What is the cheapest bank according to your profile?

Excluded capital

As every year, Capital unveils its classification of banking prices, in partnership with the panorabanic comparator. For this 2025 edition, the grids of 100 establishments were analyzed in the smallest detail for seven customer profiles.

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About 20 euros each month. This is on average the invoice that your bank will present you in 2025 in exchange for its services. An amount that can be much lower for certain categories of customers, such as a young 22 -year -old asset that will pay a note this year more than 50 euros per year on average. Conversely, a business owner will have to pay nearly 430 euros, according to the 2025 ranking of the cheapest banks directed by Capital In partnership with Panorabanques.

For this edition, the banking prices comparator has again dissected the pricing grids of a hundred establishments. He then combined the prices of à la carte services (account holding fees, bank cardwithdrawals, transfers, etc.) and compared them to the price of the package offered by each bank, holding the cheapest of the two options on February 1, 2025. Panorabanques then established a classification of establishments The least greedy in fresh For seven profiles of very different customers: a 22 -year -old, an employee, an executive, a senior manager, a merchant, a business manager and finally a retiree.

>> Our service – achieve up to 300 euros in savings per year thanks to our banking tariff comparator

Best online banks on almost all profiles

If the prices specific to each type of customer vary strongly according to their use of banking services, strong disparities are obvious within the seven categories studied. We will remember for example thatA 22 -year -old will only pay 2.20 euros per year At Boursobank or Fortuneo, leaders in the classification on this population, but 26.50 euros at Hello Bank!, yet third in the charts. Or 13 times more! Or thatThis year will only have to pay only 11.50 euros this year among the two cheapest banks – still Boursobank and Fortuneo -, 20 times less than the average for these assets (230.20 euros). And the differences within the various profiles examined do not stop at these examples alone.

Finally, note that online banks, for six of our seven rankings, with the exception of our Records for retirees. And for good reason, we have retained as hypothesis that these ex-actives carry out all their operations physically in their banking agency. Reason why the fully dematerialized actors do not appear in the hierarchy of the least expensive establishments for retirees, dominated by Crédit Coopératif.