The average commission for maintaining a bank account and a card rises 24%, to 174 euros

The average bank commission for maintain an account and a debit card has risen this year 24% until the 174 euroscompared to 140.16 euros the previous year, as revealed by the III Barometer of Asufin commissions.

CaixaBank would be the bank with higher fees for maintaining an account and a card, with 290 euros in total, of which 240 correspond to the account and the other 50 to the card. They are followed by Banco Santander and BBVA, with 276 and 195 euros, respectively.

On the contrary, Unicaja and Cajamar they are the ones that apply the commissions lowerwith a total cost of 104 and 110 eurosrespectively.

In account maintenance, the total average cost exceeds 110 euros on average per year at 141.30 euroswhile debit cards rise to an average of 32.73 euros per year, 2.56 euros more than the 30.17 euros in 2021.

Greater segmentation

The study observes a significant change in connection that make both the maintenance of the account and the debit card free, among other services.

Except Banco Sabadellthe rest incorporates sections of bondingwith what I know segment the customer much morewhile forcing itself to meet higher requirements: only those who reach a high level of commitment to the entity will be able to access the gratuity total bank services.

For example, CaixaBank has included two bonding levelswhile the Galician bank Bank It has been established three. The Catalan entity has a first level in which, if the requirements of recurring income or minimum payroll of 600 euros, balance above 20,000 euros per year or pension of 300 euros are met, charges 15 euros per quarter.

On a second level, if, in addition, there are three or more direct debits at CaixaBank per quarter, or they are made three or more card purchases per quarter, account and card they become free. If these two levels of requirements are not met, the cost becomes 60 euros per quarter.

Abanca premium level

Bank has established a premium level with “very high” requirements“which leads to free: in addition to direct debiting the payroll, it requires or two insurances mediated by Abanca or investments for 8,000 euros.

the so-called plus does not require insurance, but does maintain 30,000 euros of balance and for which you pay 44 euros per year, while in the third level you charge 88 euros per year for direct debiting your salary of more than 600 euros and having a balance of at least 500 euros.

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On the other hand, overdraft interest and commissions have been placed in 2022 slightly down: they stand at 6.04% on average, when a year ago they were 6.77%, and commissions maintain the average of 4.50%, but fall slightly from the minimum of 14.50 euros in 2021 to 14 .18 euros in 2022.

The higher interest by discovered are those of Bank, Bankinter, Kutxabank, German bank and Ibercajawith 7.50%.