Banking incidents can cost households in difficulty several hundred euros per year. However, a device exists to limit this spiral and the banks are required to offer it!
Financial difficulties can affect anyone, and when they occur, banking costs often accumulate in a vertiginous way. Rejections of samples, unofficial checks, bank card opposition costs … These incidents can quickly transform a delicate situation into a real financial chasm. However, most French people know that a legal device exists to protect them from this infernal spiral. Established by the authorities, this mechanism remains largely overlooked by the general public, when it could relieve millions of homes in distress.
In these situations, banks normally have the obligation to offer “fragile customer offer” to people meeting certain criteria of financial vulnerability. This specific offer, capped at 3 euros per maximum month, includes ten essential services: “The holding, the closure, if applicable, the opening of the deposit account”, “a payment card with systematic authorization”, “4 sepa transfers per month”, “a system of alerts on the level of the account balance”, or “The provision of banking identity statements”details the Banque de France.
Above all, it drastically limits incident costs to “20 euros per month and 200 euros per year”against several hundred euros usually. “The intervention commissions are capped at 4 euros per operation and 20 euros per month”much less than the “8 euros per operation and 80 euros per month in a conventional banking offer”specifies the institution.
To benefit from it, you must fulfill at least one of these criteria: be registered in the over -indebtedness file, appearing for more than three months in the central files of checks, or having insufficient income with repeated bank incidents. “If you meet one of these criteria, your bank must automatically cap all your costs of bank incidents at 25 euros per month and offer you the specific Fragile customer” offer “specifies the Banque de France. Unfortunately, many establishments neglect this obligation. If your situation meets these criteria and no proposal has been made to you, do not hesitate to contact your customer advisor directly to claim this device. You are also free to refuse the offer!
