In 8 of the cases there was no available in Agency tariff brochure

Association UFC-Que choose conducted a major investigation on the ground to decide on the spot of the information made available to clients and the level of bank charges. The conclusion is alarming: 42 of the banks do not comply with the regulation on information and the proposed rates vary almost from the simple to the double.

The information was collected by volunteers from local associations of the UFC - that choose who visited 1.746 bank branches of their neighbourhood between June 15 and September 11, 2010. To respond to any questions of the teller or Advisor, a medium profile has been defined: the person willing to come in this Bank is married, she earns about 2.500 euros net per month, has a housing for 6 years to about 10,000 euros savings plan and a booklet of sustainable development of 3,000 euros. It is not indexed to the Bank of France. Volunteers, according to a predefined, questionnaire noted the conditions in which case the maintenance on banking mobility: response of the teller or a Counsellor, immediate response or need to make a later appointment, and in this case, the appointment time.

For obvious reasons, the UFC that choose association did not in its volunteers to actually change account. A therefore tested for this survey the upstream portion of the mobility aid service: the quality of the visible information agency and provided by the consultants, the scope of decision-making in charge of banking mobility by the home store, announced deadlines.

In order to compare rates of different banks, UFC that choose selected 8 of 10 rates that should soon be included in a mandatory implementation summary page above each tariff brochure: credit card debit immediate, banking high-end (Gold/Prime) rate deferred, withdrawal distributor out of network Bank, international development agency external casual transfersetting up a sampling automatic on financial organization, commission of intervention by incident of payment, insurance on the means of payment, annual subscription to the transactional service by telephone and the internet.

For technical reasons and comparability, two of ten banking products that should be part of this future list have not been studied: the rate of the unauthorized overdraft, because it depends on the rate of the interbank market and SMS alerts on overdrafts. To find the cheapest regional bank, the association has added the cost of these operations by applying a multiplication for the most frequent operations, according to national statistics of the France Bank. For example, retained 15 withdrawals of money in a different bank distributors, 3 external transfers per year.

At the national level, the difference in rates between banks can be very high: the Bank Pouyanne is 82 more expensive than the Credit Agricole Centre France! The UFC - that choose has found that the cheapest rates 8 selected banks are often from the centre or the centre-west of the France. The first two banks are banks Auvergnates: Credit Agricole Centre France and the Caisse d'Epargne Auvergne and Limousin. Similarly, 7 other banks of the Centre and West of the France appear in 20 least expensive banks. Note also that a single National Bank, and therefore uniform national tariff, manages to climb in the first 20 grading: Banque Postale, despite increases in sometimes very important rate, is systematically in the tiercés of head of the regional rankings.

Comparison of rates of the first 10 banks in every French region to establish two findings. First of all, as the foreshadowed the classification of banks, it is better to live in the West or the Centre of the France that in Eastern or southern: 6 the cheaper areas are exclusively from the West, while the East and South monopolize last place. North is in middle of classification. Then, the differences are not negligible: 15 of the costs on 8 products, 8.5 without Corsica! For the client, the gain is of course more pronounced in the real world, where banks offer 305 rates on average.

Here are 20 more accessible banks to 8 selected products or services:

The 20 banks below are those which have been classified as the most expensive for 8 of 10 rates that will soon require a display.

The most expensive Bank of this ranking is also the smallest: the Bank Pouyanne. This Bank, which has only 11 agencies spread across 3 departments, playing the card of the proximity to the clientaux costs of tariffs. Its size is not in fact benefit from the same bargaining power for the treatment of operations or to certain providers (Visa, Mastercard) as the major banking groups. There also 8 banks at regional dimension in 20 banks the most expensive: seven local networks of the credit of the North, which well that backed for Société Générale see their prices converge today around 280 euros. As well as Maritime Britain Mediterranean, today backed BPCE credit.

Banks have a duty to make available to the public, in addition to the display rates, tariff brochures in self-service. A decree of April 4, 2005 provides "information of the customer and the public on the prices of the products and services related to the management of a deposit account must be through display, visible and readable way, and tariff brochures in self-service, the premises of receipt of the public."

It is therefore not for the client to request the brochure tariff to the wicket or his Adviser, but rather to be able to take without requesting them. However, 5 years after the publication of this order, provision of brochures in self-service is still not widespread: only 58 of banks follow the law!

Among the 42 of banks do not comply with the regulation, 34 of cases, brochures were available on request to the guichetThey were therefore not self-service as required regulation. In 8 of the cases there was no available in Agency tariff brochure. Note also, beyond the provision of brochures free service, only 5 of available in Agency brochures are pamphlets dating from 2009 "The case is particularly blatant for LCL where 21.7 of the tariff brochures collected between June and September 2010 dated August 2009 while it was possible to find a version of booklet dating from March 2010 on the internet!" said the association.