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Ranking of the cheapest banks in France: Choosing your bank is something that commits you for a long time! Hence the need to think carefully before acting. Especially since it is always a little restrictive to change banks. It's not easy to find the ideal bank. In this jungle of prices, it is often necessary to take stock of your needs and your banking behavior to bring out the most accurate list.
Bank charges are an essential criterion when selecting the best bank. Given the variable fees from one bank to another, we have decided to organize this classification in order to help you find the cheapest banks in France for the year 2022. Know that choosing the bank the cheapest one can save you more than 240€ per year!
Table of contents
Ranking of the cheapest banks in 2022
Here is the list of banks with the lowest bank charges in 2022:
| Rank | Bank | Annual cost |
|---|---|---|
| 1er | Boursorama Bank €80 at opening | 22,72 € |
| 2e | ING | 24,88 € |
| 3e | Fortuneo €80 at opening | 27,98 € |
| 4e | BforBank | 40,28 € |
| 5e | Orange Bank €80 at opening | 49,43 € |
| 6e | Macif | 87,87 € |
| 7e | AXA Bank | 93,78 € |
| 8e | Hello Bank | 100,48 € |
| 9e | Credit Cooperative | 118,66 € |
| 10e | Credit Agricole Anjou Maine | 129,88 € |
| lie | Allianz Bank | 134,59 € |
| 12e | Credit Agricole Normandy-Seine | 139,95 € |
| 13e | Monabanq €160 at opening | 144,23 € |
| 14e | Credit Agricole Touraine Poitou | 144,69 € |
| 15e | The postal bank | 145,41 € |
| 16e | Credit Agricole Ile-de-France | 146,28 € |
| 17e | Credit Agricole Centre-Ouest | 147,43 € |
| 18e | Credit Agricole Centre-East | 147,97 € |
| 19e | French Guiana-Mayotte-COM | 148,56 € |
| 19e | Guadeloupe-Martinique-Reunion | 148,56 € |
| 21e | Groupama Bank | 149,13 € |
| 22e | Caisse d'Epargne Loire Drôme Ardèche | 150,09 € |
| 23e | Credit Agricole Charente-Maritime Deux-Sevres | 151,58 € |
| 24e | Credit Agricole Reunion | 151,60 € |
| 25e | Credit Agricole Atlantic Vendee | 151,97 € |
| 26e | Credit Agricole Center Loire | 152,11 € |
| 27e | Caisse d'Epargne Rhône Alpes | 156,50 € |
| 28e | Credit Agricole Aquitaine | 156,83 € |
| 29e | Credit Agricole Provence Côte d'Azur | 157,09 € |
| 30e | Credit Agricole Franche-Comte | 159,63 € |
| 31e | Credit Agricole North of France | 161,81 € |
| 32e | Credit Agricole Normandy | 162,97 € |
| 33e | Credit Agricole Alsace Vosges | 165,54 € |
| 34e | Credit Agricole Toulouse 31 | 165,67 € |
| 35e | Caisse d'Epargne Grand Est Europe | 165,84 € |
| 36e | Credit Mutuel Ocean | 166,66 € |
| 37e | Credit Agricole Savoie | 166,80 € |
| 38e | Caisse d'Epargne Loire-Centre | 167,31 € |
| 39e | Credit Agricole Charente-Perigord | 167,91 € |
| 40e | Credit Agricole Ille-et-Vilaine | 167,96 € |
| 41e | Credit Agricole Cotes d'Armor | 168,23 € |
| 42e | Credit Agricole Pyrenees Gascony | 168,33 € |
| 43e | Credit Agricole Languedoc | 168,58 € |
| 44e | Credit Agricole Alpes Provence | 169,61 € |
| 45e | Credit Maritime Grand Ouest | 169,77 € |
| 46e | People's Bank Great West | 170,67 € |
| 47e | Credit Mutuel Center East Europe | 171,50 € |
| 47e | Credit Mutuel Center | 171,50 € |
| 47e | Credit Mutuel Dauphine-Vivarais | 171,50 € |
| 47e | Credit Mutuel Mediterranean | 171,50 € |
| 47e | Credit Mutuel South East | 171,50 € |
| 47e | Credit Mutuel Savoie-Mont Blanc | 171,50 € |
| 47e | Credit Mutuel Anjou | 171,50 € |
| 47e | Credit Mutuel Ile-de-France | 171,50 € |
| 47e | Credit Mutuel Loire-Atlantique, Center West | 171,50 € |
| 56e | Caisse d'Epargne Ile-de-France | 171,67 € |
| 57e | Credit Agricole North East | 172,59 € |
| 58e | Crédit Agricole Sud Rhône Alpes | 173,92 € |
| 59e | Banque Populaire Alsace Lorraine Champagne | 174,17 € |
| 60e | Credit Mutuel Midi-Atlantique | 174,75 € |
| 61e | Credit Agricole Val de France | 174,76 € |
| 62e | Caisse d'Epargne Aquitaine Poitou-Charentes | 175,70 € |
| 63e | CIC | 177,20 € |
| 64e | Credit Mutuel Normandy | 177,50 € |
| 65e | Caisse d'Epargne Languedoc-Roussillon | 177,56 € |
| 66e | Credit Mutuel Antilles-Guyane | 178,53 € |
| 67e | Credit Agricole Brie Picardy | 178,96 € |
| 68e | Caisse d'Epargne Hauts de France | 179,46 € |
| 69e | Credit Mutuel Sud-Ouest | 179,60 € |
| 69e | Caisse d'Epargne Normandie | 179,60 € |
| 71e | Credit Agricole Loire Haute-Loire | 180,27 € |
| 72e | HSBC | 180,76 € |
| 73e | Credit Mutuel Massif Central | 180,83 € |
| 74e | Credit Agricole Champagne-Bourgogne | 180,86 € |
| 75e | Credit Agricole Lorraine | 181,03 € |
| 76e | Credit Agricole Nord Midi-Pyrenees | 181,30 € |
| 77e | Auvergne and Limousin savings bank | 181,33 € |
| 78e | Caisse d'Epargne Bourgogne Franche-Comte | 181,52 € |
| 79e | Crédit Agricole South Mediterranean | 181,65 € |
| 80e | Chalus Bank | 181,79 € |
| 81e | Credit Agricole Corsica | 183,57 € |
| 82e | BFCOI Mayotte | 184,72 € |
| 82e | BFCOIfrom Reunion | 184,72 € |
| 84e | Caisse d'Epargne Provence-Alpes-Corsica | 184,73 € |
| 84e | Caisse d'Epargne Reunion Mayotte | 184,73 € |
| 87e | Credit Agricole Center France | 184,94 € |
| 88e | Caisse d'Epargne Midi-Pyrenees | 186,18 € |
| 89e | Occitane People's Bank | 187,10 € |
| 90e | Credit Mutuel MABN | 187,18 € |
| 91e | People's Bank Auvergne Rhône Alpes | 189,11 € |
| 92e | Caisse d'Epargne Côte d'Azur | 190,55 € |
| 93e | Societe Generale €80 at opening | 192,34 € |
| 94e | Credit Agricole Morbihan | 192,72 € |
| 95e | Credit Agricole Finistere | 192,80 € |
| 96e | People's Bank Burgundy Franche-Comte | 193,06 € |
| 97e | BRED Banque Populaire | 193,72 € |
| 98e | People's Bank Val de France | 193,81 € |
| 99e | Credit Agricole Guyana | 194,06 € |
| 99e | Credit Agricole Martinique | 194,06 € |
| 101e | Mediterranean People's Bank | 194,19 € |
| 102e | People's Bank Guadeloupe | 194,24 € |
| 103e | Credit Mutuel Brittany | 194,63 € |
| 104e | Caisse d'Epargne Brittany Pays de Loire | 197,05 € |
| 105e | Credit Mutuel North Europe | 197,55 € |
| 106e | Mediterranean Maritime Credit | 197,96 € |
| 107e | People's Bank South | 200,41 € |
| 108e | Credit Agricole Guadeloupe | 202,26 € |
| 109e | Banque Populaire Aquitaine Center Atlantic | 202,34 € |
| 110e | LCL | 203,30 € |
| 111e | Rhône-Alpes Bank | 204,16 € |
| 111e | Kolb Bank | 204,16 € |
| 111e | Bank Tarneaud | 204,16 € |
| 111e | Bank Laydernier | 204,16 € |
| 111e | Credit North | 204,16 € |
| 111e | Courtois Bank | 204,16 € |
| 111e | Marseillaise Credit Society | 204,16 € |
| 118e | North People's Bank | 204,36 € |
| 119e | Bank Nuger | 204,86 € |
| 120e | BNP Paribas €80 at opening | 205,21 € |
| 121e | BNP Paribas West Indies Guyana | 214,82 € |
| 122e | BPE | 219,38 € |
| 123e | Millis Bank | 221,47 € |
| 124e | Banque Populaire Rives de Paris | 221,64 € |
| 125e | Banque palatine | 222,35 € |
| 126e | Bank Dupuy de Parseval | 245,56 € |
How to choose the right bank?
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The first criterion to consider is bank charges. Many comparators have emerged on the Internet and offer to find the most attractive offers based on your banking behavior thanks to your answers to a few questions.
- By regularly studying the bank charges of establishments, they produce rankings to guide consumers.
- To choose the right bank, there is no miracle recipe, but rather a structured approach to follow.
- A bank is chosen according to its needs, its way of life and its profile. Once these points have been addressed, the quest for the ideal bank can begin.
The ideal bank is the bank that best suits you! Depending on each person's profile and lifestyle, one type of bank may be more appropriate than another. So what are the criteria to consider when choosing your bank?
- Your age: depending on the age, specific products and services are offered, such as a youth payment card.
- Your professional situation: student, active. retired… For a professional, a business bank may be the type of bank that suits him best, while for a young person or a student, a national bank makes it easier to manage his accounts throughout France, regardless of the location. where he studied.
Your income:
- What is my income?
- Am I often exposed?
Heritage vote:
- What is his size?
- Do I need a Wealth Manager? An investment bank may be preferable if you have significant wealth.
The frequency of your trips abroad: Do I need special means of payment or services? An international bank notably facilitates banking operations abroad.
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Choosing your bank: the points to look at
For most people, the prices of banking services are a determining factor in the choice of their bank. In addition to this point, checking the quality, but also the diversity of the services offered is important.
Points to check when choosing your bank
- Basic services: opening, maintaining and closing accounts, sending account statements, direct debits, transfers, deposits, withdrawals, etc.
- Additional banking services: assistance and security, insurance, savings, etc.
- Payment methods: the range of cards, checks, etc.
- savings products: passbooks, life insurance, passbook account, UCITS, SICAV, etc.
- Credit products/services: cards, redemptions, loans…
- Remote account management services: Geographical location: is there an agency near me? What is the extent of the banking network.
- Contact the bank: telephone, internet, agency..
- Relations with the bank: advisors available: 24 hours a day?
- Personal advisor? Counters? ATM? Online bank?
Needs may relate to the areas of savings, credit or the stock market
In concrete terms, what do I need to choose my bank?
- A current account to receive my salary?
- A joint account to better manage common family expenses?
- A professional account as part of my daily activity?
- Traditional or personalized means of payment?
- For basic product needs: the large banks, known as "commercial banks", offer products and services that fully meet the needs of the majority of customers.
- Personalized or standard services?
- To benefit from personalized financial products and services, private banks are preferable. However, remember that the cost of banking products and services are often higher than in a mainstream banking network.
- Help with managing my assets? Simple financial advice?
- Regular contact with a personal adviser? To maintain a privileged close relationship with your adviser, to choose your bank, small or medium-sized organizations such as a regional bank are to be favored.
- To manage my bank account more independently?
For more autonomy and freedom, there is no better than online banks of the type: Hello Bank! Or others for that matter, we have no preference except for the cheapest bank.
Choose your bank online or in a branch network?
Once again, it all depends on your profile, your needs and your expectations. But be aware that conventional banks and traditional banks offer the same basic services. The difference lies in the much lower prices at online banks which are generally free banks, but also in the operation without an agency and without a counter.
Why choose an online bank?
- For more autonomy and freedom of management
- For permanent remote access 7 days a week
- For fewer and cheaper fees
Note: it is quite possible to have a personal advisor with an online bank.
Why prefer a traditional bank?
- For a close relationship
- For its agency network
- For more services
Choose your bank according to your project and your needs
The projects are many and varied, as are the banking services and products. From simple precautionary savings, to the purchase of real estate, including credit and insurance, the banking offer meets all requests. This is why before comparing banks, first determine your needs.
- What products or services do I need?
- For what objectives or projects?
- Am I often exposed?
Compare bank rates for free and simply!
Born of a joint initiative of the Ministry of the Economy and the Financial Sector Advisory Committee (CCSF), the comparator on bank rates is an official and free tool that allows you to compare the main fees charged by different banking establishments.
Free and updated weekly, the bank rate comparator covers all French departments and lists approximately 150 credit institutions, which represents more than 98% of the existing market in the territory. In addition to comparable basic services, such as transfers, direct debits or bank card prices, the comparator allows you to compare around ten different services and display up to 6 different entries at a time.
The comparator also offers to follow the evolution of the prices of the establishments. A display device with arrows (up, down) or the sign “=” (for stagnations) is integrated in each table of results.
In addition, by hovering the mouse over the prices, the amount of the increase or decrease appears, for example: "+1 € since January 2021, XNUMX". However, this option is not available on mobile or tablet, but only for consultations from a computer.
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All you have to do is fill in the type of establishment (physical, online or both combined) that interests you, as well as its department. Then select up to 6 rates to compare. In just 3 clicks, the results, which can be exported and printed, appear in the form of a table. Here's how:
- Head to the site www.tarifs-bancaires.gouv.fr
- Arrival on the home page of the site. which corresponds to the "Perform a search" tab. choose the type of establishment you wish to include in your search (1 choice possible):
- banks or payment service providers with agencies banks or online payment service providers public industrial and commercial establishment (EPIC) all establishments.
- Choose your department (1 choice possible) in the drop-down menu or by clicking on the department in question in the hexagon (or on the overseas department islands) just below.
- Choose the bank rates to compare. You can enter up to 6 choices on computer and tablet or up to 3 on mobile. If you want to know the definition of these tariffs before checking them off, click on the red question marks next to each of the tariffs for explanations.
