For the merchant, as for other profiles, the bill is getting a little heavier this year. He pays an average of 242.30 euros in fees in 2026, compared to 241.10 euros in 2025. It is towards online banks that he must turn to reduce the bill, in particular at BoursoBank and Fortuneo whose annual cost is limited to 13.70 eurosfollowed by Hello Bank! (88.70 euros) and Monabanq (107.30 euros).
On the network side, more and more establishments are setting up international packages allowing you to make payments and withdrawals in foreign currencies without fees. This is the case at Bred Banque Populaire, BNP Paribas, Caisse d’Épargne, La Banque Postale, LCL and SG. The objective is to avoid seeing their customers abandon them in favor of an online bank, in which foreign currency transactions are often free.
“ These packages are billed between 4 euros and 18.50 euros per month depending on the networks and types of customers, it is often very interesting for frequent travelers. But you should remember to activate them before leaving and deactivate them when you return. » adds Anna Meylacq, spokesperson for Panorabanques. Crédit Mutuel Alliance Fédérale offers an annual package of 20 euros.
Services included in our merchant profile
– CB Visa Premier or Gold Mastercard with immediate debit
– €750 of expenses outside the euro zone per year: 5 withdrawals of €75 per year abroad outside the euro zone and 2 payments of €187.50
– 4 withdrawals moved per month from the ATM
– 2 checkbooks collected at the agency
– Benefits from a personalized overdraft authorization (used 10 days per month, up to €500)
– An incident generating two intervention commissions, and an unauthorized overdraft of 500 euros over 10 days and 1 information letter for an unauthorized debtor account
– 1 Internet subscription
– 1 permanent transfer set up and 12 periodic transfers per year initiated via the internet
– 10 occasional transfers per year via the Internet
– 4 direct debits set up and 48 monthly direct debits from private organizations
Our list of bank charges
Panorabanques dissected the price lists of 97 banking establishments for Capital. Find the cheapest, depending on your profile, in our special 2026 bank charges file.
