The employee pays on average 195.90 euros fees in the 97 banks in our panel, or 3.10 euros more than in 2025. However, he only pays 47.30 euros for his classic bank card with immediate debit, but his total bill climbs because his account is regularly in the red. He must therefore pay agios, but also intervention commissions in the event of an unauthorized overdraft, invoiced in the networks but not in online banks.
Thus, the costs paid by the employee are limited to 20.30 euros per year at BoursoBank And Fortuneotied in our ranking, the equivalent of 1.70 euros per month. For this profile, subscribing to à la carte services is less expensive than that of a package in many establishments because the employee consumes few products and services. Crédit Coopératif and some Crédit Agricole banks come in well among the networks.
Services included in our employee profile
– International credit card International Visa or Mastercard with immediate debit
– 3 withdrawals moved per month from the ATM
– No spending abroad outside the euro zone
– 1 checkbook collected at the agency
– Benefits from a personalized overdraft authorization (used 10 days per month, up to €500)
– 4 incidents each time generating two intervention commissions and an unauthorized overdraft of 500 euros over 10 days. 2 information letters for unauthorized debtor account
– 1 Internet subscription
– 1 permanent transfer set up and 12 periodic transfers per year initiated via the internet
– 8 occasional transfers initiated via the internet
– 3 direct debits and 36 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.
