Banks Raise the Rating

Everyday Services Under Pressure

The OTB notes that the increase in fees primarily affects the most common transactions, those impacting the majority of customers. Payment incident and irregularity fees, however, change little as they are regulated. But the costs associated with account management and bank cards now make up nearly 60% of the total fee package.

The study also highlights significant disparities among networks: major national groups remain slightly below average, while regionally-based institutions show variations that can exceed 15%. These differences are explained by the diversity of economic models and local commercial policies.

A lasting trend despite competition

While digitalization and competition from neobanks exert downward pressure on certain segments, the OTB notes that their impact remains marginal on average rates. Traditional institutions maintain higher structural costs, particularly related to their branch networks and IT maintenance.

According to the Observatory, the increases seen in 2025 are part of a trend that began in 2021, which could continue at a more moderate pace in the coming years. Banks justify these adjustments with the need to finance their digital transition and regulatory obligations. However, for customers, the perception remains one of rising banking costs, even as many services have become automated.

A Sustainable Trend Despite Competition

The OTB reports an average rate increase of 17.6% over ten years, with general inflation at 20.8% during the same period. This relatively contained gap indicates a structural shift: retail banking remains a paid service, with its cost now reflecting the complexity of infrastructures and the diversification of access channels.