Question 12550 — banks and financial institutions

Summary

Mr. Thierry Frappé questions the Minister of the Economy, Finance and Industrial, Energy and Digital Sovereignty on the increase in banking rates observed in 2025. According to data published by the Bank Rates Observatory, bank account management fees in force on April 1, 2025 increased on average by 8.95%, with increases relating in particular to account maintenance fees and payment cards. international direct debit mandates and certain operations carried out in branches. This development comes in a context of persistent tension on the purchasing power of households, even though these fees concern essential banking services. He asks what measures the Government intends to take to strengthen the supervision and readability of bank rates, limit the excessive increases observed between establishments and guarantee effective protection of users, in particular low-income households and people in financially fragile situations.

Machine translation from French. The official text remains authoritative.

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