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Banking and finance news

Individuals Inflation also affects the consumer credit market The health crisis, the war in Ukraine and the ensuing rise in prices have had a significant impact on consumer credit.
Individuals Mortgages: monthly usury rates from February 1 The French Ministry of the Economy has approved the monthly adjustment of the usury rate, which has until now been revised quarterly. This is a temporary measure to adapt to rising interest rates...
Individuals The French want to keep the euro A majority of French people are attached to the euro, whereas 10 years ago almost a third preferred to return to the franc.
Individuals Insurance rates: contained rises in 2023, sharp increases in 2024 While the rise in insurance rates should be contained in 2023, industry players could revise their prices upwards in 2024.
Individuals Cash payments decline in favor of bankcards The Covid-19 pandemic has contributed to an accelerated decline in cash, as shown by a recent survey by the European Central Bank.
Individuals Associations report worsening household finances Inflation and the energy crisis are making households more vulnerable, and more and more of them are turning to food aid.
Individuals Financial difficulties: the Banque de France answers 3414 The Banque de France's telephone information services have been centralized into a single national number, 3414.
Individuals Eurozone inflation nearing peak? While inflation seems to have peaked in the United States, what's the situation in the eurozone countries?
Individuals Results of a study on French banking behavior A study by the French Banking Federation has examined the banking behavior of the French and their perception of innovations.
Individuals Bitcoin scam: US financial watchdog files complaint According to the U.S. Securities and Exchange Commission, 4 people have embezzled nearly $300 million in Bitcoins.
Individuals The dangers of split payments In the face of inflation, individuals are increasingly resorting to fractional payments, a practice that carries risks.
Individuals French attitudes to cyber security A survey by the French Banking Federation reveals that the French are, on the whole, aware of cyber-risks.
Individuals Livret A: no rate increase on November 1 despite high inflation There will be no boost for Livret A holders. At least not yet.
Individuals Energy prices threaten household and business solvency Soaring energy prices are threatening the solvency of households and businesses alike, and increasing the risk of default.
Individuals Payment giants to better track gun sales A new merchant code will enable payment giants Visa, Mastercard and American Express to better track gun sales.
Individuals Banking crisis in Lebanon: savers reclaim their money Faced with the informal banking restrictions imposed in Lebanon, many customers are trying to assert their rights through the courts.
Individuals Participative financing: one more year to obtain new approval Participatory finance platforms will have one more year to obtain the new approval required by the European Commission.
Individuals Bercy calls on banks to curb interest rate rises The French Ministry of the Economy and Finance has asked banks to curb the rise in mortgage interest rates.
Individuals What tax regime will apply to cryptocurrencies in 2023? The tax regime applying to cryptocurrencies varies according to the nature of the gains generated by these digital assets.
Individuals Cryptocurrencies, a still underdeveloped payment method While merchants are legally entitled to be paid in cryptocurrencies, this payment method remains rare. Why is this?
Individuals Real estate: the French take advantage of still favorable lending conditions The French are reacting to the tightening of borrowing conditions, and many are keen to take advantage of the still favorable environment.
Individuals Stricter conditions for access to mortgages Lending rates have been on the rise for several months now, making it more difficult for low-income borrowers to obtain a mortgage.
Individuals Financial products: "influencers" in the sights of the AMF and ARPP The Autorité des marchés financiers (AMF) and the Autorité de la régulation professionnelle de la publicité (ARPP) have announced a collaboration to monitor the financial communications of influencers.
Individuals Livret A: another rate increase expected in February 2023 Given rising inflation and higher interbank rates, the Livret A rate is set to rise again in 2023.
Individuals The Livret d'Epargne Populaire to help boost purchasing power Still largely unknown, the Livret d'Epargne Populaire savings account is seen by the government as a tool to combat inflation.
Individuals Neobanks: dedicated offers for teenagers A number of neobanks have entered the teen segment, offering a payment card and a current account that can be managed via a mobile application.
Individuals Mortgages: borrowing conditions worsen Faced with rising interest rates and longer processing times, some households are seeing their borrowing conditions deteriorate.
Individuals Cryptocurrency: a risky investment for individuals The number of French people who have already bought cryptocurrencies has risen sharply in 2021. How can we explain this trend?
Individuals Banking incident charges fall for vulnerable customers The average annual bank charges for the most vulnerable customers fell by 17% in 2021, according to the latest report from the Banking Inclusion Observatory.
Individuals Fake passbook and cryptocurrency scams explode Financial authorities are warning of an explosion in financial product scams, particularly via cryptocurrencies and fake passbooks.
Individuals UFC-Que Choisir denounces banking incident fees A press release published on Tuesday June 7 by the consumer association UFC-Que Choisir denounces the high level of charges for banking incidents.
Individuals The rise of fractional payments for food shopping In some countries, fractional payment operators now offer the option of paying for groceries in several monthly instalments.
Individuals Towards a Livret A interest rate of 2% this summer? The Banque de France is due to recalculate the Livret A interest rate on July 15. In view of inflation, this could rise to 2%.
Individuals Mastercard aims to enhance the shopping experience with biometric payment Mastercard unveils its biometric payment program, enabling customers to pay by fingerprint or facial recognition.
Individuals When tobacconists become bank branches After opening Nickel accounts and Loomis ATMs, tobacconists are now offering a new Brink's service.
Individuals Life insurance and PER management fees to be clearer from June 1 From June 1, 2022, bankers and insurers will have to make it easier to compare pension savings plans (PER) and life insurance policies.
Individuals Apple Pay in the sights of the European Commission The European Commission believes that Apple is blocking competition by restricting access to iPhone NFC technology for Apple Pay.
Individuals Subcutaneous contactless payment chips: a growing trend The BBC looks into the subject of electronic payment chips implanted under the skin for contactless payment.
Individuals NFT: transactions down in the first quarter After a very encouraging performance in 2021, trading volumes on the NFT market are slowing down.
Individuals Instant micro-credit players called to order In a press release, the French financial watchdog has called to order instant micro-credit startups attempting to take advantage of regulatory loopholes.
Individuals Banking: Russian nationals in France penalized Since the start of the war in Ukraine, international sanctions have become increasingly severe, penalizing many Russian nationals abroad.
Individuals The right to a bank account simplified from June 13 Individuals who are refused a bank account will soon be able to take their case to the Banque de France more quickly to assert their right to a bank account.
Individuals Ukraine: France less exposed to soaring prices than its neighbors Less dependent on Russian gas than some of its neighbors, France also has limited trade relations with Russia. Here's how.
Individuals Visa, Mastercard and American Express suspend operations in Russia War in Ukraine. American payment giants Visa, Mastercard and American Express have announced the suspension of their operations in Russia.
Individuals Cryptocurrencies to the rescue of the Ukrainian economy Ukraine has just passed a bill legalizing the use of cryptocurrencies, in the hope of bolstering the country's economy.
Individuals Towards a sharp rise in property tax in 2022 Property tax rises are likely to be more frequent in 2022, particularly in towns with populations of over 100,000 or their intercommunal bodies.
Individuals Bpifrance launches a new investment fund for individuals Following the success of its first fund in 2020, Bpifrance is launching "Entreprises 2", a new fund dedicated to individual investors.
Individuals Women's financial investments lower than men's According to a study commissioned by asset management company BNY Mellon Investment Management, women continue to invest less than men.
Individuals New measures to help sick people access housing Members of parliament, meeting in a joint committee, have agreed on two measures to help sick people access housing.
Individuals Bankcard fraud rate down in 2021 After three years of steady rise, the bankcard fraud rate fell in 2021. Read more.
Individuals Life insurance and PER: soon an online tool to summarize fees From June 1, an online tool will summarize life insurance and retirement savings plan fees in a single, standardized table.
Individuals Savings: more than 1,200 fraudulent sites identified in 2021 The Autorité de contrôle prudentiel et de résolution has added a record number of fraudulent sites to its blacklist for 2021. Read more.
Individuals Bank charges: rising costs for withdrawals from another bank Withdrawing cash from a bank other than your own is becoming increasingly expensive. These charges will rise by 39% in 2022. See details.
Individuals Amazon to continue accepting Visa cards in the UK American e-commerce giant Amazon has reversed its decision to stop accepting Visa credit cards issued in the UK.
Individuals Livret A rate to rise to 1% on February 1 From February 1, the Livret A rate will rise from 0.5% to 1%. The government has chosen to go beyond the expected increase. Find out more.
Individuals Livret A: why households continue to prefer risk-free savings Even before the start of the health crisis, the French preferred risk-free savings. This trend is set to continue in 2022.
Individuals What you need to know to change bank Switching banks is made easier by the bank mobility service, but certain precautions still need to be taken.
Individuals Financial literacy: where do the French stand? A recent study by the Banque de France shows that one in four French people consider their financial knowledge to be insufficient.
Individuals Cryptocurrency scams jump 81% in 2021 Cryptocurrencies are winning over more and more investors, and attracting ever more scammers for increasing amounts stolen. Here are some answers.
Individuals French households are saving less and less Since the start of the health crisis, the French have accumulated a considerable savings surplus, but the trend is slowing. Here's how.
Individuals CNIL: 5 resolutions to strengthen personal data protection Gathered within the Global Privacy Assembly, 81 authorities have agreed on five resolutions to strengthen data protection.
Individuals Consumer credit: fractional payments on the rise Although not subject to consumer credit rules, fractional payments are booming in France.
Individuals Cheque fraud on the rise over the festive season During the festive season, cheque fraud is on the increase. The Banque de France reminds us of the best practices to avoid them.
Individuals Savings: what are the most profitable investments? Despite rising inflation, some investments can still make a good profit, provided you accept a higher level of risk.
Individuals Livret A: rate could be raised in 2022 The interest rate on Livret A passbook savings accounts, currently set at 0.5%, could be raised from February 1, 2022. Here's how it works.
Individuals USA: moviegoers can buy tickets in cryptocurrencies The AMC group, which runs the largest network of movie theaters in the United States, now allows moviegoers to buy tickets in cryptocurrencies.
Individuals Covid-19: what impact on the life insurance market? Life insurance broke all records in 2021, achieving total inflows of almost 100 billion euros in the first eight months of the year.
Individuals AMF warns against unauthorized trading sites In a press release, the Autorité des marchés financiers (French financial markets authority) urges investors to carry out several checks before investing with a broker.
Individuals Are you the beneficiary of a life insurance policy? The subscriber of a life insurance policy can choose one or more beneficiaries who will receive the accumulated capital on the death of the insured.
Individuals Property tax jumps 27.9% in 10 years In 2020, property tax rose once again, an increase that has been uninterrupted for 10 years and now stands at 27.9%.
Individuals How can I find information about an association's accounts? Would you like to work for or join an association? Find out how to obtain information to ensure its reliability.
Individuals Nearly 50% of French people will be overdrawn by 2021 A study by Panorabanques reveals that almost one French person in two overdraws at least once a year, for an average amount of 232 euros.
Individuals Air Next: fraud detected by the Autorité des marchés financiers The scam set up by the Air Next company was detected by the Autorité des marchés financiers, alerted by a gross typing error. Find out more.
Individuals Mission report warns against fractional payments In a report submitted to the government on October 19, French MP Philippe Chassaing calls for better supervision of fractional payments.
Individuals Identity theft: how to get out of this fraud? Identity theft is a vicious circle from which it is difficult to escape. The number of people who fall victim to it is rising at an alarming rate. How can you get out of it?
Individuals Taxation of crypto-assets: changes to be expected in 2022 Several MPs have tabled amendments to the Finance Bill concerning the taxation of cryptoassets. They will be debated this week.
Individuals Consumer credit: features and procedures Need a consumer credit? Find out about the main features and procedures for this type of financing. Everything you need to know.
Individuals Payment methods: CNIL warns on data protection The French Data Protection Authority (CNIL) has published a white paper on payment methods and data protection, warning of the challenges posed by the digitization of transactions.
Individuals Everything you need to know about limiting bank charges In the event of a bank overdraft or rejected cheque, bank charges may not exceed certain ceilings. Find out what you need to know.
Individuals At-home employment: real-time tax credit to come into effect in 2022 Until now, the tax credit for employing an employee in the home has been paid with a one-year time lag, but it will soon be paid in real time. Instructions for use.
Individuals Bercy wants to reduce retirement savings plan fees Retirement savings plans have been a great success, but Bercy regrets a lack of transparency and excessively high fees. Here are some explanations.