Crédit Mutuel Arkéa : decryption of bank charges July 1, 2017


Crédit Mutuel Arkéa – that is to say, the Crédit Mutuel de Bretagne, South-West and Massif Central – which will change its price on July 1, 2017. In the program increases, of course, in particular, to contributions of the bank cards. Clients of these regional banks, to know what sauce you’ll be eaten, this is on banknote as it happens !

Comparative bank charges

You are a customer of the Crédit Mutuel de Bretagne if your agency is located in Cotes-d’armor, Finistère, Ille-et-Vilaine or in the Morbihan.

You are a customer of the Crédit Mutuel Massif Central if your agency is located in the Allier, Aveyron, Cantal or the Puy-de-Dome.

You are a customer of the Crédit Mutuel of the South West if your agency is located in the Charente, Dordogne or Gironde.

Focus on the price of the main banking products of the Crédit Mutuel Arkéa in force on 1 July 2017
Products Rates, Credit Mutuel de Bretagne in 2017 (change from 2016) Rates of Crédit Mutuel Massif Central in 2017 (change from 2016) Rates of Crédit Mutuel of the South West in 2017 (versus 2016) account maintenance Fee /year 34,80 € (+0 %) 18,00 € (+50 %) 31,20 € (+0 %) Transfer casual agency 3,75 € (+3 %) 3,75 € (+3 %) 3,75 € (+3 %) Maestro card to a permission 27,70 € (+1 %) 29,50 € (+0 %) 32,00 € (+5 %) Visa Classic or MasterCard debit /year 41,05 € (+1 %) 40,65 € (+ 1 %) 41,00 € (+2 %) Visa Classic or MasterCard deferred debit /year 49,65 € (+0 %) 49,65 € (+0 %) 47,00 € (+0 %) Gold MasterCard debit /year 129,80 € (+0 %) 118,15 € (+1 %) 124,00 € (+2 %) Gold MasterCard deferred debit /year 137,25 € (+0 %) 125,25 € (+0 %) 131,00 € (+0 %) World Elite MasterCard /year 300,00 € (+1 %) 280,00 € (+1 %) 299,00 € (+3 %) Withdrawals moved the distributor with a Visa Classic or MasterCard by zone € 1 € from the 4th withdrawal/month (-1 withdrawal free of charge) 1 € from the 4th withdrawal/month (-1 withdrawal free of charge) 1 € from the 3rd withdrawal/month (no change) Insurance of means of payment /year 28,56 € (+0 %) 28,56 € (+0 %) 28,56 € (+0 %) Subscription bank distance /year 0,00 € (+0 %) 0,00 € (+0 %) 0,00 € (+0 %) information Letter for accounts receivable that are not authorized 13,75 € (+0 %) 22,90 € (+0 %) 17,10 € (+0 %) /* Here you can add custom CSS for the current table */ /* Lean more about CSS: https://en.wikipedia.org/wiki/Cascading_Style_Sheets */ /* To prevent the use of styles to other tables use “#supsystic-table-311” as a basis selector for example: #supsystic-table-311 { … } #supsystic-table-311 tbody { … } #supsystic-table-311 tbody tr { … } */
The above rates are valid for off-offers youth and out-of bundles of services.

The 3 caisses of the Crédit Mutuel Arkéa will change their prices. But, it is in the Crédit Mutuel Massif Central and Crédit Mutuel du Sud-Ouest that the rates will change the most on the 1st July next.

And, as stated in the intro, it is mainly the bank cards that will see their prices increase. This is for 3 boxes of Arkéa.

Tickets losers : the account maintenance fees, dues for credit cards, and withdrawals moved

  • +50 % on the costs of maintaining an account at the Crédit Mutuel Massif Central

From 1 July 2017, the customers of the Crédit Mutuel Massif Central will pay 18 € per year account maintenance fee (out of package), compared to 12 € until now, that is 6 € more ! A nice increase !

Customers of the two other boxes, do not rejoice too soon. Your account maintenance fees will not increase this year but you’re already paying well more expensive. Credit Mutuel de Bretagne and Crédit Mutuel du Sud-Ouest, they cost respectively 34,80 € 31,20 € per year. As a reminder, the comparison rates bank Panorabanques was estimated to be 18 € per year on average, the cost of account maintenance fees, in 2017.


Compare the banks

In 2017, the French will pay more than us $ 190 in bank fees… It is too much, don’t you think ? To save costs, compare free 180 banks on Panorabanques and find a bank that will stick to your needs and your wallet.

I compare

  • Up to 5 % more on credit cards

Overall, the Crédit Mutuel Arkéa – with the exception of classic cards with delayed debit cards will be more expensive.

Has the image, for example :

– the map to a permission (of 30.40 € to 32 € per year), the Visa Classic and MasterCard debit (de 39 € 41 € per year), or even the World Elite MasterCard (290 € to 299 € per year), the Crédit Mutuel of the South-West

– the Gold MasterCard immediate debit (116,40 € 118,15 € per year) or the World Elite MasterCard (276 € to 280 € per year) at Credit Mutuel Massif Central

– the Visa Classic and MasterCard debit (40,45 € 41,05 € per year) or the World Elite MasterCard (296 € to 300 € per year) at Credit Mutuel de Bretagne

It should be noted that although the price of the Visa Classic and MasterCard deferred debit do not increase, these cards are still expensive at Crédit Mutuel Arkéa. The Crédit Mutuel of the South-West, these cards are charged 47 € per year. At Crédit Mutuel Massif Central and Brittany, they cost 49,65 € per year. For comparison, a Visa Classic or a MasterCard deferred debit is charged at 43 € per year in 2017 in the other banks.


Council banknote

In general, at Crédit Mutuel Arkéa, it is better to opt for a Gold MasterCard for a Visa First. For a level of insurance and assistance services similar, the first is much cheaper. For example, the Crédit Mutuel Massif Central, a Gold MasterCard debit is charged 118,15 € per year, compared to 126,40 € per year for the Visa First debit.

  • -1 withdrawal moved free per month with a card classic

From 1 July 2017, the customers of the Crédit Mutuel de Bretagne and the Massif Central – a Visa Classic or a MasterCard – will need to be more vigilant on the distributor in which they have been withdrawing money. They won’t be able to make 3 free withdrawals per month in distributors not belonging to the network of Mutual Credit, as against 4 withdrawals so far.

The Crédit Mutuel of the South West, no change. But the situation of its clients is not at all enviable, as they can only make 2 withdrawals to be moved free of charge per month.

In the framework of a bundle of services, the number of withdrawals moved free increases. He spend 4 to 6 withdrawals under the fund.
Winning ticket : we are still looking for…

July 1, 2017, any product current bank will see its price lower by the Crédit Mutuel Arkéa. Hence the absence of a winning ticket.

Note that even when the tender young -reserved for under 26 years of age – are still attractive. Account maintenance fees, divided by two, withdrawals and payments free zone € and outside with a high-end card.

And not to mention the package Bemix, which is reserved. With a map to a permission or a conventional card debit, it costs between 22 € and 35 € per year only. This package is very complete. It consists of a CB, the account maintenance fee, a flat fee withdrawals moved free of charge or insurance of means of payment, at a reduced price.

Has to read also

CB Visa and MasterCard classic for young people : how much does it cost?

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Diagnosis banknote

You will have understood, at Crédit Mutuel Arkéa, the price will increase July 1, 2017, the bank cards mostly. So far, the Crédit Mutuel de Bretagne, South-West and Massif Central are banks too expensive ? As often, it depends on your profile ! Some products are much more expensive than at most other banks (classic cards, for example), while others are less expensive (Gold MasterCard debit for example).

Significant differences between the boxes ? About banking services daily, the Crédit Mutuel Massif Central is generally less expensive than the other two funds (account maintenance fees, and CB lower). But again, it depends on your profile.

Result, you are advised to do a balance sheet of banking products and services that you are essential. Do you for example really need an insurance loss or theft of means of payment ? You have a package, you use all of the products included in it ? In short, optimize the products and services purchased to make savings.

Marie-Eve F

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