Young : banks + economic


When one is young (22 years old), the absence of regular income, that it was rarely the valiant penny. Suddenly, every euro counts ! The bank account and the costs that it implies – normal operations, incidents, payment, or operations outside the euro zone – can quickly prove to be expensive and we lose money. But, it is without counting on the investment banking type Booklet, Young – enough-paid – can restore the balance of the annual cost of the account. Result : you win money ! It is on this year precisely – the calculation of the difference,, between the net gains tax from investments and the cost of the account – that the drafting of Capital, in partnership with the comparator banks Panorabanques looked. Focus.

Bank charges jeunesDe how young does one speak ?

In an article entitled ” Young people : the banks that you apply, and those that cost you “, published on June 20, 2017, the magazine Capital has established – with Panorabanques – the profile of the young.

Thus, this young 22-year-old has :

  • 1 600 € placed on a Booklet for the Young person who earns between 0.5 % and 2.5% depending on the bank
  • A CB international debit

Has to read also

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

Read more

  • Of the management of his account on the internet
  • 2 withdrawals displaced by months
  • 2 chequebooks recovered by agency by year
  • A place of standing, and 12 transfers per year, 6 transfers casual per year
  • 2 in place of sample and 24 samples per year, all initiated by the internet

Moreover, the young man of 22 years records :

  • 1 payment incident generating 2 commissions of intervention
  • 1 an unauthorised overdraft of € 500 in 10 days
  • 1 information letter for accounts receivable that are not authorized

Has to read also

Account fees : how much does it cost to young people ?

Read more

List of banks with the most advantageous for the young
Bank Cost account annual Gains from the investment Balance annual The 3 best online banks 29 € 32 € 3 € 42 € 32 € – 10 € 56 € 32 € – 24 € The best banks in traditional alpine 30 € 32 € 2 € Loire et Lyonnais 30 € 32 € 2 € Loire Drôme Ardèche 38 € 32 € – 6 € French Riviera 52 € 40 € – 12 € Ille-et-Vilaine 28 € 16 € to 12 € The worst banks 91 € 8 € – 83 € Bourgogne Franche-Comté 114 € 16 € – 98 € 161 € 32 € – 129 € /* 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-358” as a basis selector for example: #supsystic-table-358 { … } #supsystic-table-358 tbody { … } #supsystic-table-358 tbody tr { … } */

According to Capital, the annual balance is positive for this client at AXA Banque, Banque Populaire des Alpes and Banque Populaire Loire et Lyonnais.

In addition, the question of the difference in profitability between the purchase of a package or bundle of services and the contracting of services to the card has been studied. It is clear that for the young of 22 years, the subscription service a la carte turns out to be more interesting at :

  • AXA Bank
  • Monabanq
  • Agency Direct (Société Générale)
  • Caisse d’epargne Loire Drôme Ardèche
  • Crédit Agricole lle-et-Vilaine

Conversely, the bank package is more cost-effective in :

  • Banque Populaire des Alpes
  • Banque Populaire Loire et Lyonnais
  • Banque Populaire Côte d’azur

Neil Bensouda

Advertising

Advertising

Leave a Reply