What BNP Paribas Actually Charges You
BNP Paribas raised its account fee again in 2026 and now takes €31.20 a year just for holding your money. Then the card, the package and the overseas commissions all stack on top.
Last checked: June 11, 2026 • Official website
The fee schedule, decoded
| Fee | What they take | The fine print |
|---|---|---|
| Account maintenance | €31.20/year | Billed at €2.60 per month since January 2026. Included in the Esprit Libre package and waived for 18-24 year olds. |
| Cards | €49.50/year | Visa Classic debit card on its own. The Esprit Libre Référence package with a Visa Classic costs €96 per year in 2026, an 8.25% increase on 2025. |
| ATM withdrawals | €1.20/withdrawal | After 3 free withdrawals per month at other banks' euro-zone ATMs. BNP Paribas' own ATMs are free. |
| Foreign exchange | 2.90% + €0.90 | Per card payment outside the euro zone. Cash withdrawals outside the euro zone cost 2.90% plus a €3 fixed fee per withdrawal. |
| Overdraft | €8/incident | Commission d'intervention charged per irregular operation, capped at €80 per month. Overdraft interest (agios) comes on top. |
| Transfers | €5 in branch | Per occasional SEPA transfer made with an advisor. Free online and in the app. |
Questions people actually ask
Yes. Since January 2026 it is €2.60 per month, €31.20 per year, unless you hold an Esprit Libre package or are 18 to 24 years old.
€49.50 per year as a standalone card. Inside the Esprit Libre Référence package it comes to €96 per year in 2026.
Payments cost 2.90% plus €0.90 each, and ATM withdrawals cost 2.90% plus €3 each. On a two-week trip that adds up fast.
At BNP's own ATMs, yes. At other banks' euro-zone ATMs you get 3 free withdrawals per month, then €1.20 each.
Each irregular operation triggers an €8 commission d'intervention, capped at €80 per month, and overdraft interest is charged on top.
Sources
Every number above comes from the bank's own documents.
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