Excluded capital
An employee can divide the cost of his banking services by almost 10 by choosing the less greedy establishments in costs. This is the main teaching of our study on the cheapest banks, of which here is the ranking for employees.
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If you are employed, maybe you want to reduce your bank bill? It must be said that the prices for your profile increased again in 2025, to 193.40 euros on average against 187.90 euros in 2024, according to the last edition of the classification of the cheapest banks made in partnership with Panorabanques. As always, this average, based on the study of pricing grids (packages and à la carte services) of the hundred establishments present on the market, highlights large disparities. Count a report of 1 to 13 between the two cheapest banks for employees, namely Boursobank and Fortuneo (20.30 euros per year), and the Dupuy bank, from Parseval, which charges no less than 263.20 euros for the same services.
If the note increased on average by 2.9% for employees, the leaders of our record made the choice not to modify the price of their services. Hello Bank! Having even considerably decreased the price of its premium package to drop it to 96.20 euros, in a fall of 16 euros over a year. And this, thanks to the abolition this year of 20 euros of costs related to the sending of an information letter on account unauthorized. A decision that allows the BNP Paribas online bank to consolidate its third place in the classification and to dig the gap on its monabanq pursuer (121.70 euros).
>> Our service – achieve up to 300 euros in savings per year thanks to our banking tariff comparator
The best banks do not charge intervention committees
The presence of online banks at the top of our record for employees owes nothing to chance. While our profile (see the services included below) repeatedly exceeds its overdraft authorization, these actors do not charge intervention commissions, costs which increase to 8 euros by operation in the overwhelming majority of traditional banks. Hence theAbyssal gap between Boursobank and Fortuneo, and Crédit Cooperativefifth in the ranking, but which punctuates almost seven times more to its customers employed than the two leaders. Note, finally, the pretty group shot of the regional funds of Crédit Agricole which trusses the rest of the top 10, despite some increases in prices. Some of them having started to charge account holding costs in 2025.
The services included in our employee profile
– International CB Visa International or Mastercard with immediate debit
– 3 withdrawals moved per month to the automatic distributor
– No expenditure abroad outside the euro zone
– 1 checkbook recovered in agency
– benefits from a personalized overdraft authorization (used 10 days a month, up to 500 euros)
– 4 incidents generating two intervention commissions each time and an unauthorized overdraft of 500 euros over 10 days. 2 newsletters for unauthorized debtor account
– 1 Internet subscription
– 1 Installation of permanent transfer and 12 periodic transfers per year initiated via the Internet
– 8 occasional transfers initiated by Internet
– 3 Sampling and 36 monthly samples from private organizations
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