What Crédit Agricole Actually Charges You
Crédit Agricole runs dozens of regional banks and each one sets its own prices, so what you pay depends on your postcode. The figures below are the Île-de-France rates for 2026, where the maintenance fee just went up again.
Last checked: June 11, 2026 • Official website
The fee schedule, decoded
| Fee | What they take | The fine print |
|---|---|---|
| Account maintenance | €18/year | €1.50 per month at the Île-de-France caisse, increased in 2026. Waived for minors, EKO by CA holders and customers on a package; other regional caisses charge different amounts. |
| Cards | €47/year | Visa Classic or Mastercard with immediate debit at CA Île-de-France (€45 with deferred debit). A Visa Premier or Gold Mastercard costs €144 per year. |
| ATM withdrawals | €1/withdrawal | From the 4th withdrawal each month at other banks' euro-zone ATMs with a standard international card. Crédit Agricole's own ATMs are free. |
| Foreign exchange | 2.50%/payment | On card payments in non-euro currencies or outside the EEA with a standard card at CA Île-de-France. Non-euro ATM withdrawals cost €3 each, converted at the Visa or Mastercard rate. |
| Overdraft | €8/incident | Commission d'intervention per irregular operation, limited to one per day and capped at €80 per month. Overdraft interest is charged on top, up to the legal usury cap. |
| Transfers | €3.60 in branch | Per occasional SEPA transfer to another bank made in branch at CA Île-de-France. Free online, including instant transfers. |
Questions people actually ask
No. Each regional caisse publishes its own tariff brochure, so the same service can cost more or less depending on where your account sits. The figures on this page are the Île-de-France rates.
Yes. At the Île-de-France caisse it is €1.50 per month, €18 per year, in 2026, waived for minors, EKO by CA and package holders. Other caisses set their own amounts.
In Île-de-France a Visa Classic or Mastercard with immediate debit costs €47 per year in 2026, and a Gold Mastercard or Visa Premier costs €144 per year.
With a standard card at CA Île-de-France the first 3 withdrawals per month are free, then €1 per withdrawal. Premier and Gold cards withdraw free.
At the Île-de-France caisse, non-euro card payments carry a 2.50% commission and non-euro ATM withdrawals cost €3 each, on top of the card network's exchange rate.
Sources
Every number above comes from the bank's own documents.
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