Question 15301 — banks and financial institutions

Summary

Mr. Bertrand Petit draws the attention of the Minister of the Economy, Finance and Industrial and Digital Sovereignty to the worrying increase in management and banking fees, which is damaging the French budget. After a notable lull in 2022, a year during which bank fees were limited to 2% to take inflation into account, a recent independent study is concerned about the rise in banking fees. account and bank card maintenance of around 2.5 to 3%. This phenomenon mainly weakens small consumers with a basic service and so-called average consumers whose annual banking fees, applied since January 1, increase to 66.23 euros for the first profile and 147.80 euros for the second. In addition to these significant increases which do not take into account the costs of banking incidents, which are also significantly progression, an analysis of this phenomenon reveals changes made by certain establishments to the rules applicable to withdrawals from automatic teller machines (ATMs), such as the increase in the cost of withdrawals from another network, increasing inflationary risks while the number of ATMs in the territory has fallen by 12% since 2018. He therefore wishes to know the Government's options to stem this particularly worrying increase for the most modest French people.

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