Awọn Olootu Awọn atunyẹwo
Ipo ti awọn banki ti ko gbowolori ni Ilu Faranse: Yiyan banki rẹ jẹ nkan ti o ṣe ọ fun igba pipẹ! Nitorinaa iwulo lati ronu ni pẹkipẹki ṣaaju ṣiṣe. Paapa niwon o jẹ ihamọ nigbagbogbo lati yi awọn bèbe pada. Ko rọrun lati wa banki to dara julọ. Ninu igbo ti awọn idiyele, o nigbagbogbo ni lati ṣe iṣura ti awọn iwulo rẹ ati ihuwasi ile-ifowopamọ rẹ lati mu atokọ pipe julọ jade.
Awọn idiyele banki jẹ ami pataki nigbati o yan banki to dara julọ. Fi fun awọn idiyele oniyipada lati banki kan si ekeji, a ti pinnu lati ṣeto isọdi yii lati le ṣe iranlọwọ fun ọ Wa awọn banki ti ko gbowolori ni Ilu Faranse fun ọdun 2022. Mọ pe yiyan banki naa Lawin ọkan le fipamọ diẹ sii ju 240 € fun ọdun kan!
Awọn akoonu
Ipo ti awọn banki ti ko gbowolori ni 2022
Eyi ni atokọ ti awọn banki pẹlu awọn idiyele banki ti o kere julọ ni 2022:
| rang | Bank | Ododun iye owo |
|---|---|---|
| 1er | Boursorama Bank € 80 ni ṣiṣi | 22,72 € |
| 2e | ING | 24,88 € |
| 3e | Fortuneo € 80 ni ṣiṣi | 27,98 € |
| 4e | BforBank | 40,28 € |
| 5e | Orange Bank € 80 ni ṣiṣi | 49,43 € |
| 6e | Macif | 87,87 € |
| 7e | Ile-iṣẹ AXA Bank | 93,78 € |
| 8e | Hello Bank | 100,48 € |
| 9e | Ifowosowopo Kirẹditi | 118,66 € |
| 10e | Kirẹditi Agricole Anjou Maine | 129,88 € |
| luba | Allianz Bank | 134,59 € |
| 12e | Kirẹditi Agricole Normandy-Seine | 139,95 € |
| 13e | Monabanq € 160 ni ṣiṣi | 144,23 € |
| 14e | Kirẹditi Agricole Touraine Poitou | 144,69 € |
| 15e | Ile-ifowopamọ ifiweranṣẹ | 145,41 € |
| 16e | Credit Agricole Ile-de-France | 146,28 € |
| 17e | Credit Agricole Center-Ouest | 147,43 € |
| 18e | Kirẹditi Agricole Center-East | 147,97 € |
| 19e | French Guiana-Mayotte-COM | 148,56 € |
| 19e | Guadeloupe-Martinique-Atunjọ | 148,56 € |
| 21e | Groupama Bank | 149,13 € |
| 22e | Caisse d'Epargne Loire Drôme Ardeche | 150,09 € |
| 23e | Kirẹditi Agricole Charente-Maritime Deux-Sevres | 151,58 € |
| 24e | Kirẹditi Agricole Atunjọ | 151,60 € |
| 25e | Kirẹditi Agricole Atlantic Vendee | 151,97 € |
| 26e | Kirẹditi Agricole Center Loire | 152,11 € |
| 27e | Caisse d'Epargne Rhône Alpes | 156,50 € |
| 28e | Kirẹditi Agricole Aquitaine | 156,83 € |
| 29e | Kirẹditi Agricole Provence Côte d'Azur | 157,09 € |
| 30e | Kirẹditi Agricole Franche-Comte | 159,63 € |
| 31e | Kirẹditi Agricole North of France | 161,81 € |
| 32e | Kirẹditi Agricole Normandy | 162,97 € |
| 33e | Kirẹditi Agricole Alsace Vosges | 165,54 € |
| 34e | Crédit Agricole Toulouse 31 | 165,67 € |
| 35e | Caisse d'Epargne Grand Est Europe | 165,84 € |
| 36e | Kirẹditi Mutuel Òkun | 166,66 € |
| 37e | Kirẹditi Agricole Savoie | 166,80 € |
| 38e | Caisse d'Epargne Loire-Centre | 167,31 € |
| 39e | Kirẹditi Agricole Charente-Perigord | 167,91 € |
| 40e | Kirẹditi Agricole Ille-et-Vilaine | 167,96 € |
| 41e | Kirẹditi Agricole Cotes d'Armor | 168,23 € |
| 42e | Kirẹditi Agricole Pyrenees Gascony | 168,33 € |
| 43e | Kirẹditi Agricole Languedoc | 168,58 € |
| 44e | Kirẹditi Agricole Alpes Provence | 169,61 € |
| 45e | Kirẹditi Maritime Grand Ouest | 169,77 € |
| 46e | People ká Bank Great West | 170,67 € |
| 47e | Kirẹditi Mutuel Center East Europe | 171,50 € |
| 47e | Kirẹditi Mutuel Center | 171,50 € |
| 47e | Kirẹditi Mutuel Dauphine-Vivarais | 171,50 € |
| 47e | Kirẹditi Mutuel Mediterranean | 171,50 € |
| 47e | Kirẹditi Mutuel South East | 171,50 € |
| 47e | Kirẹditi Mutuel Savoie-Mont Blanc | 171,50 € |
| 47e | Kirẹditi Mutuel Anjou | 171,50 € |
| 47e | Kirẹditi Mutuel Ile-de-France | 171,50 € |
| 47e | Kirẹditi Mutuel Loire-Atlantique, Center West | 171,50 € |
| 56e | Caisse d'Epargne Ile-de-France | 171,67 € |
| 57e | Kirẹditi Agricole North East | 172,59 € |
| 58e | Crédit Agricole Sud Rhône Alpes | 173,92 € |
| 59e | Banque Populaire Alsace Lorraine Champagne | 174,17 € |
| 60e | Kirẹditi Mutuel Midi-Atlantique | 174,75 € |
| 61e | Kirẹditi Agricole Val de France | 174,76 € |
| 62e | Caisse d'Epargne Aquitaine Poitou-Charentes | 175,70 € |
| 63e | CIC | 177,20 € |
| 64e | Kirẹditi Mutuel Normandy | 177,50 € |
| 65e | Caisse d'Epargne Languedoc-Roussillon | 177,56 € |
| 66e | Kirẹditi Mutuel Antilles-Guyane | 178,53 € |
| 67e | Kirẹditi Agricole Brie Picardy | 178,96 € |
| 68e | Caisse d'Epargne Hauts de France | 179,46 € |
| 69e | Kirẹditi Mutuel Sud-Ouest | 179,60 € |
| 69e | Normandy ifowopamọ Bank | 179,60 € |
| 71e | Kirẹditi Agricole Loire Haute-Loire | 180,27 € |
| 72e | HSBC | 180,76 € |
| 73e | Kirẹditi Mutuel Massif Central | 180,83 € |
| 74e | Kirẹditi Agricole Champagne-Bourgogne | 180,86 € |
| 75e | Kirẹditi Agricole Lorraine | 181,03 € |
| 76e | Kirẹditi Agricole Nord Midi-Pyrenees | 181,30 € |
| 77e | Auvergne ati banki ifowopamọ Limousin | 181,33 € |
| 78e | Caisse d'Epargne Bourgogne Franche-Comte | 181,52 € |
| 79e | Crédit Agricole South Mediterranean | 181,65 € |
| 80e | Chalus Bank | 181,79 € |
| 81e | Kirẹditi Agricole Corsica | 183,57 € |
| 82e | BFCOI Mayotte | 184,72 € |
| 82e | BPCOIfrom Atunjọ | 184,72 € |
| 84e | Caisse d'Epargne Provence-Alpes-Corsica | 184,73 € |
| 84e | Caisse d'Epargne Atunjọ Mayotte | 184,73 € |
| 87e | Kirẹditi Agricole Center France | 184,94 € |
| 88e | Caisse d'Epargne Midi-Pyrenees | 186,18 € |
| 89e | Occitane eniyan Bank | 187,10 € |
| 90e | Kirẹditi Mutuel MABN | 187,18 € |
| 91e | People ká Bank Auvergne Rhône Alpes | 189,11 € |
| 92e | Caisse d'Epargne Côte d'Azur | 190,55 € |
| 93e | Societe Generale € 80 ni ṣiṣi | 192,34 € |
| 94e | Kirẹditi Agricole Morbihan | 192,72 € |
| 95e | Kirẹditi Agricole Finistere | 192,80 € |
| 96e | Eniyan Bank Burgundy Franche-Comte | 193,06 € |
| 97e | BRED Banque Populaire | 193,72 € |
| 98e | People ká Bank Val de France | 193,81 € |
| 99e | Kirẹditi Agricole Guyana | 194,06 € |
| 99e | Kirẹditi Agricole Martinique | 194,06 € |
| 101e | Mediterranean People ká Bank | 194,19 € |
| 102e | Eniyan Bank Guadeloupe | 194,24 € |
| 103e | Kirẹditi Mutuel Brittany | 194,63 € |
| 104e | Caisse d'Epargne Brittany Pays de Loire | 197,05 € |
| 105e | Kirẹditi Mutuel North Europe | 197,55 € |
| 106e | Mediterranean Maritime Credit | 197,96 € |
| 107e | People ká Bank South | 200,41 € |
| 108e | Kirẹditi Agricole Guadeloupe | 202,26 € |
| 109e | Banque Populaire Aquitaine Center Atlantic | 202,34 € |
| 110e | LCL | 203,30 € |
| 111e | Rhône-Alpes Bank | 204,16 € |
| 111e | Ile-ifowopamọ Kolb | 204,16 € |
| 111e | Tarneaud Bank | 204,16 € |
| 111e | Bank Layer | 204,16 € |
| 111e | Kirẹditi du Nord | 204,16 € |
| 111e | Courtois Bank | 204,16 € |
| 111e | Marseille Credit Company | 204,16 € |
| 118e | North People ká Bank | 204,36 € |
| 119e | Nuger Bank | 204,86 € |
| 120e | BNP Paribas € 80 ni ṣiṣi | 205,21 € |
| 121e | BNP Paribas West Indies Guyana | 214,82 € |
| 122e | GEP | 219,38 € |
| 123e | Millis Bank | 221,47 € |
| 124e | Banque Populaire Rives de Paris | 221,64 € |
| 125e | Palatine Bank | 222,35 € |
| 126e | Bank Dupuy de Parseval | 245,56 € |
Bawo ni lati yan banki ọtun?
Lati ka tun: 10 Awọn ero Igbesi aye Alagbee ti o dara julọ ni 2022
Ipilẹ akọkọ lati ronu ni awọn idiyele banki. Ọpọlọpọ awọn afiwera ti farahan lori Intanẹẹti ati funni lati wa awọn ipese ti o wuyi julọ ti o da lori ihuwasi ile-ifowopamọ rẹ ọpẹ si awọn idahun rẹ si awọn ibeere diẹ.
- Nipa ikẹkọ deede awọn idiyele banki ti awọn idasile, wọn gbejade awọn ipo lati ṣe itọsọna awọn alabara.
- Lati yan banki ti o tọ, ko si ohunelo iyanu, ṣugbọn kuku ọna eto lati tẹle.
- A yan banki kan gẹgẹbi awọn iwulo rẹ, ọna igbesi aye rẹ ati profaili rẹ. Ni kete ti awọn aaye wọnyi ba ti koju, wiwa fun banki to bojumu le bẹrẹ.
Ile-ifowopamọ pipe ni banki ti o baamu fun ọ julọ! Ti o da lori profaili ati igbesi aye eniyan kọọkan, iru banki kan le jẹ deede diẹ sii ju omiiran lọ. Nitorinaa kini awọn ibeere lati gbero nigbati o yan banki rẹ?
- Ọjọ ori rẹ: ti o da lori ọjọ ori, awọn ọja ati iṣẹ kan pato ni a funni, gẹgẹbi kaadi isanwo ọdọ.
- Rẹ ọjọgbọn ipo: akeko, ti nṣiṣe lọwọ. ti fẹyìntì… Fun ọjọgbọn kan, banki iṣowo le jẹ iru banki ti o baamu fun u julọ, lakoko ti fun ọdọ tabi ọmọ ile-iwe, banki orilẹ-ede jẹ ki o rọrun lati ṣakoso awọn akọọlẹ rẹ jakejado Ilu Faranse, laibikita ipo naa. .
Owo ti n wọle rẹ:
- Kini owo ti n wọle mi?
- Ṣe Mo nigbagbogbo ṣipaya?
Idibo Ajogunba:
- Kini iwọn rẹ?
- Ṣe Mo nilo Alakoso Oro kan? Ile-ifowopamọ idoko-owo le dara julọ ti o ba ni ọrọ pataki.
Awọn igbohunsafẹfẹ ti awọn irin ajo rẹ odi: Ṣe Mo nilo ọna pataki ti isanwo tabi awọn iṣẹ? Ile-ifowopamosi kariaye kan ni pataki ṣe iranlọwọ awọn iṣẹ ifowopamọ ni okeere.
Lati ka tun: CoinEx Exchange: Ṣe o jẹ ipilẹ paṣipaarọ ti o dara? Agbeyewo ati gbogbo info
Yiyan banki rẹ: awọn aaye lati wo
Fun ọpọlọpọ eniyan, awọn idiyele ti awọn iṣẹ ile-ifowopamọ jẹ ipin ipinnu ni yiyan ti banki wọn. Ni afikun si aaye yii, ṣayẹwo didara, ṣugbọn tun awọn iyatọ ti awọn iṣẹ ti a nṣe jẹ pataki.
Awọn aaye lati ṣayẹwo nigbati o yan banki rẹ
- Awọn iṣẹ ipilẹ: šiši, mimu ati pipade awọn akọọlẹ, fifiranṣẹ awọn alaye akọọlẹ, awọn sisanwo taara, awọn gbigbe, awọn idogo, yiyọ kuro, ati bẹbẹ lọ.
- Afikun ile-ifowopamọ iṣẹ: iranlowo ati aabo, iṣeduro, ifowopamọ, ati be be lo.
- Awọn ọna isanwo: ibiti o ti awọn kaadi, sọwedowo, ati be be lo.
- awọn ọja ifowopamọ: passbooks, aye insurance, passbook iroyin, UCITS, SICAV, ati be be lo.
- Kirẹditi awọn ọja / awọn iṣẹ: awọn kaadi, awọn irapada, awọn awin…
- Latọna iroyin isakoso awọn iṣẹ: Ipo agbegbe: ile-ibẹwẹ kan wa nitosi mi? Kini iwọn ti nẹtiwọọki ile-ifowopamọ.
- Kan si ile-ifowopamọ: tẹlifoonu, ayelujara, ibẹwẹ ..
- Awọn ibatan pẹlu banki: olugbamoran wa: 24 wakati ọjọ kan?
- Oludamoran ti ara ẹni? Awọn iṣiro? ATM? Ile-ifowopamọ ori ayelujara?
Awọn iwulo le ni ibatan si awọn agbegbe ti ifowopamọ, kirẹditi tabi ọja iṣura
Ni pipe, kini MO nilo lati yan banki mi?
- Iwe akọọlẹ lọwọlọwọ lati gba owo osu mi?
- Iwe akọọlẹ apapọ kan lati ṣakoso dara julọ awọn inawo idile ti o wọpọ?
- Iwe akọọlẹ alamọdaju bi apakan ti iṣẹ ṣiṣe ojoojumọ mi?
- Ibile tabi ti ara ẹni ọna ti owo?
- Fun awọn iwulo ọja ipilẹ: awọn banki nla, ti a mọ si “awọn banki iṣowo”, pese awọn ọja ati iṣẹ ti o ni kikun pade awọn iwulo ti awọn alabara lọpọlọpọ.
- Ti ara ẹni tabi awọn iṣẹ boṣewa?
- Lati ni anfani lati awọn ọja ati iṣẹ inọnwo ti ara ẹni, awọn banki aladani ni o dara julọ. Sibẹsibẹ, ranti pe idiyele awọn ọja ati iṣẹ ile-ifowopamọ nigbagbogbo ga ju ni nẹtiwọọki ile-ifowopamọ olumulo kan.
- Ṣe iranlọwọ pẹlu iṣakoso awọn ohun-ini mi? Imọran owo ti o rọrun?
- Ibasọrọ nigbagbogbo pẹlu oludamọran ti ara ẹni? Lati ṣetọju ibatan isunmọ ti o ni anfani pẹlu oludamọran rẹ, lati yan banki rẹ, awọn ajọ kekere tabi alabọde bii banki agbegbe ni lati ni ojurere.
- Lati ṣakoso akọọlẹ banki mi ni ominira diẹ sii?
Fun ominira diẹ sii ati ominira, ko si dara ju awọn banki ori ayelujara ti iru: Hello Bank! Tabi awọn miiran fun ọrọ yẹn, a ko ni ayanfẹ ayafi fun banki ti o kere julọ.
Yan banki rẹ lori ayelujara tabi ni nẹtiwọọki ẹka kan?
Lekan si, gbogbo rẹ da lori profaili rẹ, awọn iwulo rẹ ati awọn ireti rẹ. Ṣugbọn ṣe akiyesi pe awọn banki aṣa ati awọn banki ibile nfunni ni awọn iṣẹ ipilẹ kanna. Iyatọ naa wa ni awọn idiyele kekere pupọ ni awọn banki ori ayelujara eyiti o jẹ awọn banki ọfẹ gbogbogbo, ṣugbọn tun ni iṣẹ laisi ibẹwẹ ati laisi counter kan.
Kini idi ti o yan banki ori ayelujara kan?
- Fun ominira diẹ sii ati ominira ti iṣakoso
- Fun iraye si jijin ayeraye 7 ọjọ ọsẹ kan
- Fun awọn idiyele diẹ ati din owo
Akiyesi: o ṣee ṣe pupọ lati ni oludamoran ti ara ẹni pẹlu banki ori ayelujara.
Kini idi ti banki ibile kan fẹ?
- Fun kan sunmọ ibasepo
- Fun nẹtiwọki ile-iṣẹ rẹ
- Fun awọn iṣẹ diẹ sii
Yan banki rẹ ni ibamu si iṣẹ akanṣe rẹ ati awọn iwulo rẹ
Awọn iṣẹ akanṣe jẹ ọpọlọpọ ati orisirisi, gẹgẹbi awọn iṣẹ ile-ifowopamọ ati awọn ọja. Lati awọn ifowopamọ iṣọra ti o rọrun, si rira ohun-ini gidi, pẹlu kirẹditi ati iṣeduro, ipese ile-ifowopamọ pade gbogbo awọn ibeere. Eyi ni idi ṣaaju ki o to ṣe afiwe awọn banki, kọkọ pinnu awọn iwulo rẹ.
- Awọn ọja tabi iṣẹ wo ni MO nilo?
- Fun ohun ti afojusun tabi ise agbese?
- Ṣe Mo nigbagbogbo ṣipaya?
Ṣe afiwe awọn oṣuwọn banki fun ọfẹ ati irọrun!
Ti a bi nipasẹ ipilẹṣẹ apapọ ti Ile-iṣẹ ti Aje ati Igbimọ Advisory Sector (CCSF), olupilẹṣẹ lori awọn oṣuwọn banki jẹ osise ati ọpa ọfẹ ti o fun ọ laaye lati ṣe afiwe awọn idiyele akọkọ ti o gba agbara nipasẹ awọn idasile ifowopamọ oriṣiriṣi.
Ọfẹ ati imudojuiwọn ni osẹ, olufiwewe oṣuwọn banki bo gbogbo awọn apa Faranse ati ṣe atokọ to awọn ile-iṣẹ kirẹditi 150, eyiti o ṣe aṣoju diẹ sii ju 98% ti ọja ti o wa ni agbegbe naa. Ni afikun si awọn iṣẹ ipilẹ ti o jọra, gẹgẹbi awọn gbigbe, awọn sisanwo taara tabi awọn idiyele kaadi banki, olupilẹṣẹ gba ọ laaye lati ṣe afiwe ni ayika awọn iṣẹ oriṣiriṣi mẹwa ati ṣafihan awọn titẹ sii oriṣiriṣi 6 ni akoko kan.
Comparator tun funni lati tẹle itankalẹ ti awọn idiyele ti awọn idasile. Ohun elo ifihan pẹlu awọn ọfa (oke, isalẹ) tabi ami “=” (fun awọn ipoduro) ti ṣepọ ninu tabili awọn abajade kọọkan.
Ni afikun, nipa gbigbe asin lori awọn idiyele, iye ilosoke tabi idinku han, fun apẹẹrẹ: “+1 € lati Oṣu Kini Ọjọ 2021, Ọdun XNUMX”. Sibẹsibẹ, aṣayan yii ko wa lori alagbeka tabi tabulẹti, ṣugbọn fun awọn ijumọsọrọ nikan lati kọnputa kan.
Ṣawari tun: Ohun gbogbo ti o nilo lati mọ nipa Bank Paysera, lati gbe owo lori ayelujara & Atunwo: Gbogbo rẹ nipa Revolut, kaadi banki ati akọọlẹ ti miliọnu eniyan lo
Gbogbo ohun ti o ni lati ṣe ni fọwọsi iru idasile (ti ara, ori ayelujara tabi awọn mejeeji ni idapo) ti o nifẹ si, ati ẹka rẹ. Lẹhinna yan to awọn oṣuwọn 6 lati ṣe afiwe. Ni awọn jinna 3 nikan, awọn abajade, eyiti o le ṣe okeere ati titẹjade, han ni irisi tabili kan. Eyi ni bii:
- Lọ si aaye naa www.tarifs-bancaires.gouv.fr
- Dide lori oju-iwe ile ti aaye naa. eyi ti o ni ibamu si taabu "Ṣe wiwa kan". yan iru idasile ti o fẹ lati fi sii ninu wiwa rẹ (iyan 1 ṣee ṣe):
- awọn ile-ifowopamọ tabi awọn olupese iṣẹ isanwo pẹlu awọn ile-ifowopamọ ile-iṣẹ tabi awọn olupese iṣẹ isanwo ori ayelujara ti ile-iṣẹ gbogbogbo ati idasile iṣowo (EPIC) gbogbo awọn idasile.
- Yan ẹka rẹ (iyan 1 ṣee ṣe) ninu akojọ aṣayan-silẹ tabi nipa titẹ si ẹka ti o wa ni ibeere ni hexagon (tabi lori awọn erekusu ẹka okeokun) ni isalẹ.
- Yan awọn oṣuwọn banki lati ṣe afiwe. O le tẹ awọn aṣayan 6 sii lori kọnputa ati tabulẹti tabi to 3 lori alagbeka. Ti o ba fẹ mọ itumọ awọn owo-ori wọnyi ṣaaju ṣiṣe ayẹwo wọn, tẹ lori awọn ami ibeere pupa ti o tẹle ọkọọkan awọn owo-ori fun awọn alaye.
