What costs an account for your insurance

When you open a current account, you will have access to services which the scope will be recorded in your account agreement (e.g. the type of card payments, access to internet from your bank services charges levy, commission intervention...).

Should think about its use, i.e. for possible service needs of payments associated with this account.

Furthermore, you can in individual cases establish complementary services (permissions of levies or automatic transfers, for example).

What is what is free? What is what is paid? That is what brings?

Things vary from one bank to the other. What is free in a bank may be paying in another and vice versa.

However according to a tradition far firmly rooted in our country, obtaining and use cheques are free and the payment card is paid for by subscription. It has not, for the user, fees charged to each payment. For several years, the cash withdrawal is charged by some banks beyond a certain number of withdrawals from distributors not belonging to the same banking network.

In return for this apparent free, the remuneration of deposits on the accounts, has long banned. However this prohibition has been removed in 2004 after a decision of the Court of justice of the European communities. Since then, some banks offer to their customers pay on their deposits, often less than or equal to 1%.

It is fairly simple to know the cost of operation of his bank account.

Since January 2009, you receive an annual statement of fees collected in the previous year in respect of the management of the current account: means of payment, services, and transfers to a year. The survey will do so appear at once perceived costs detailed by services total: contributions, insurance means of payment, costs for operating the account, and charges for irregularities and incidents which operating commissions, releases of levy and interest expense paid bank overdraft. On some statements contained a "credit" column that assesses commercial offers from your bank, you have received: promotion, refund of a product or a service, benefit...The sending of this annual survey is imperative. If you have not received it or if in your opinion it contains irregularities (for example, incomplete statement or incomprehensible), you can submit a claim to the Bank.

Remember also that as of July 2011, the monthly account statement shall include the total monthly charges collected. Do not forget that your bank must inform you at least two months in advance of the revision of its rates. Without reaction on your part within a period of two months, the new tariff is considered accepted. If you refuse, you can without fees to request termination of the account agreement and the termination of your account.

Before making your decision, choose your bank, compare the services offered to you, their price, quality and adaptation to your needs. Bank charges (for example, the monthly cost for the holding of the account), the products offered, ease of access to the Bank and opening hours are particularly important elements of choice. You can consult the sites of the banks on the Internet, sites or comparative records.

Compare 'standard services'

Since 2011, banks must bear "Preview standard rates" at the top of their tariff brochures and prominently on their websites, which lists 10 products and services among the most commonly billed rates.

This list should facilitate comparison of rates from one bank to the other. Attention however, the prices displayed are "off-service bundle. They are thus different from those offered in a package.

The ten services that can compare:

·         Subscription to manage its accounts on the internet

·         Product alerts on the status of the account by SMS,

·         International payment card for immediate debit,

·         International payment card to delayed debit,

·         Routine authorization payment card,

·         Withdrawal in euros from an ATM of another institution of the eurozone with an international payment card,

·         SEPA credit transfer occasional external in the euro area,

·         Costs of collection,

·         Commission intervention,

·         Insurance loss or theft of means of payment.

Starting in April 2014, the banks must add the cost of the account maintenance fee.

Is it better to choose a package?

Most banks offer a bouquet of banking services grouped together for an all-inclusive price. The price is generally lower in what should pay service-by-service.

But often, you will only use a portion of the services included in the package that you have paid all.

Before purchasing a package, we must therefore check that you will have an effective use of all the services the component and calculate if subscribe separately to the services really matches your needs would not be cheaper.