France is afraid. The new European legislation, transposed in France by an ordinance of 2025 and applicable from November 20, 2026, will extend the obligation of solvency analysis to all overdraft authorizations, even the smallest. The objective is laudable since it involves further protecting the French from situations of over-indebtedness. But the numerous reactions generated since the announcement of this development show that the concerns of individuals are real.
Is access to overdraft likely to become more complicated? What will the solvency tests carried out by the bank consist of? Will you have to give up your overdraft if you use it every month? So many fears that we would like to relay to Capital : We are launching a call for testimonials to find out if, for you too, using your overdraft is crucial to maintaining your budget, and if you are worried about this upcoming change.
Tell us about your situation and your fears
What is the potential impact of this measure on your daily life? Are you a regular or occasional overdraft user? How often and for what average amount? Are you afraid that you will no longer be able to get by without this cash flow facility? Have you already had difficulty obtaining or renewing an overdraft authorization in recent months, even before the new law came into force? Have you ever had your solvency questioned by your bank?
What do you think is the greatest risk posed by this development? Are you afraid of solvency analyzes below 200 euros overdraft? Or are you rather afraid of the impact on your future real estate project, the bank overdraft being included in the calculation of the maximum debt of 35%? Have you ever considered giving up your overdraft completely for fear of harming your future borrowing capacity?
Tell us everything! Your testimonies are valuable for understanding the real impact of this reform on household budgets. You can write to us at the dedicated email address: qbaslora+temoignages@prismamedia.com To testify, anonymously if you wish, remember to leave us your contact details. We will contact you as soon as possible.
