The Bank of France published the 15th annual report of the Observatory of Banking Fees, reviewing charges as of April 1, 2026 across 102 institutions representing 99% of the market. The report identifies two main outcomes: bank service prices increased after earlier stability, while pricing for the specific offer for financially vulnerable customers remained well below the regulatory ceiling. According to the Insee index, bank service prices rose 2.7% between February 2025 and February 2026, compared with 0.9% general inflation and 1.6% growth in service prices overall. Over a 10-year period, however, bank service prices rose 17.4%, below consumer price inflation of 22.1%. For vulnerable customer packages, 98 of 99 institutions now charge no more than EUR 12 a year, around one-third of the regulatory cap, and payment incident fees for beneficiaries remain capped.
Bank of France2026-06-30
Bank of France annual report shows a 2.7% rise in bank service fees and OCF charges stable below regulatory caps
The Bank of France’s latest Observatory of Banking Fees report found that bank service prices rose 2.7% between February 2025 and February 2026, while charges for the specific offer for financially vulnerable customers stayed far below the regulatory ceiling. It also found that all reviewed institutions complied with the then-applicable rules on inheritance-related bank fees, and that the 2025 legal framework reduced those charges overall.