La facturation devient la norme

D’autant que, face à ce mouvement général qui transforme la facturation de la tenue de compte en norme, le client se trouve coincé : il est tenu d’avoir un compte bancaire pour percevoir son salaire ou ses revenus. Il lui reste pourtant la possibilité de faire jouer la concurrence !

BNP : 30 euros par an
Société générale : 24 euros par an
HSBC : 24 euros par an
CIC : 24 euros par an (comme c’était déjà le cas)
La Banque postale : 6,20 euros par an
Banque populaire, Caisse d’Epargne, Crédit agricole, Crédit mutuel : tarification variable selon les régions.
LCL : rien pour le moment mais une tarification sera mise en place pendant l’année
Les écarts restent donc notables mais dans la jungle des frais bancaires. A la BNP, ce sera donc 2,50 euros par mois. 2,50 euros qui devraient lui rapporter quelque 150 millions d’euros par an. La Société générale va se contenter de 2 euros par mois. A la Banque postale, les frais de tenue de compte restent modestes mais vont tout de même passer de 4,20 à 6,20 euros par an.

Comment justifier une telle facturation à l’heure où les clients effectuent de plus en plus eux-mêmes leurs opérations sur internet ? Les établissements bancaires parviennent même à renverser l’argument pour justifier cette facturation : développer les services en ligne, construire des systèmes contre la fraude, proposer des applications plus simples d’utilisation, ça coûte…

Pas chez les banques en ligne

Mais alors, comment font les banques en ligne qui, pour la plupart, ne vont pas facturer la tenue des comptes courants ? Ces dernières font justement des économies de fonctionnement conséquentes grâce au web. Le secteur est en pleine expansion. Inconvénient, pour y ouvrir un compte, elles exigent bien souvent un revenu minimum.

En fait, cette « innovation » bancaire a pour but principal de compenser les pertes liées au plafonnement des agios en cas de découvert. Ce que les banques ne peuvent plus toucher d’un côté, elles le prennent de l’autre.

En revanche, elles se gardent bien de proposer une rémunération des comptes courants. Soi-disant impossible dans un contexte persistant de taux bas. Un argument que Serge Maître balaie rapidement :

Malgré les taux bas, les banques de détail ont augmenté leurs bénéfices de 7% au premier semestre 2015. Peut-on vraiment parler d’une situation difficile dans ce contexte ? Je ne le pense pas. »

Catégories : Compte courant

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