Les frais d’interventions exorbitants exercés par les banques

Une étude menée par « 60 millions de consommateurs » dénonce les frais exorbitants exercés par les banques en cas d’intervention pour découvert ou rejet de paiement.



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Une étude menée par « 60 millions de consommateurs » dénonce les frais exorbitants exercés par les banques en cas d’intervention pour découvert ou rejet de paiement.

Les banques pointées du doigt

Les frais bancaires sont dans la plupart des cas représentés par les frais de carte de crédit, chéquier, ou encore frais de gestion de compte. Mais de nombreux frais ont vu le jour au fil des années et s’accumulent auprès des clients en difficultés.

Alors que les pouvoirs publics tentent de limiter les frais facturés par les banques, celles-ci font preuve de créativité afin de facturer leurs clients pour différents services. Frais de rejet, commissions d’intervention, lettre d’information, courrier de mise en demeure… tant de nouveaux types de frais (pouvant atteindre jusqu’à 20€ selon les établissements) qui aggravent la situation des personnes déjà en difficulté financière. De plus, la plupart de ces frais ne sont pas gérés par les conseillers, pourtant seuls interlocuteurs avec les clients. Un constat qui alerte l’Union nationale des associations familiales (Unaf) et 60 millions de consommateurs dans sa nouvelle étude.

Des « punitions » automatiques

D’après l’étude et des centaines de relevés analysés en 2016, un client standard verse environ chaque année 34€ de frais liés à un compte débiteur. Pour un client en difficulté, la somme atteint 296€ par an soit dix fois plus ! Un foyer en difficulté sur cinq a ainsi vu 500€ de son budget s’envoler en frais bancaires en 2016.

Ces frais se présentent sous différentes formes. Par exemple, lorsqu’un paiement se présente sur un compte dont le découvert va être dépassé, se paiement est autorisé par la banque qui prélève alors des agios ainsi que des commissions d’interventions (pour chaque paiement) à hauteur de 8€. Ce frais serait justifié par « l’analyse de la situation par un conseiller ».

Quelles sont les banques concernées ?

L’étude met en lumière un fait assez saisissant : A l’exception de la Banque postale et des banques en lignes, les frais pour « incidents » sont fixés au maximum légal dans l’ensemble des banques soit 8€ (contre 6.90€ pour la Banque postale). Pour ce qui est d’un rejet de chèque, toutes les banques exercent le cout maximum de 30€ pour un montant inférieur à 50€ et 50€ s’il est supérieur à ce montant. En ce qui concerne le rejet d’un prélèvement de plus de 20€, là encore les frais sont exorbitants : 20€ euros dans l’ensemble des banques à l’exception de la banque postale. Ce marché ne présente donc quasiment aucune concurrence vers laquelle se tourner, hormis les banques en ligne.


Toujours selon l’étude, ces incidents de fonctionnement des comptes représenteraient jusqu’à 6.5 milliards d’euros, soit un tiers des revenus des banques.

 

Source: La Reléve et La Peste

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