What Société Générale Actually Charges You
Société Générale bills €7.65 every quarter just for keeping your account open, one of the steepest maintenance fees in France. Escape it and the bank still waits for you at the branch counter, abroad and on every overdraft.
Last checked: June 11, 2026 • Official website
The fee schedule, decoded
| Fee | What they take | The fine print |
|---|---|---|
| Account maintenance | €30.60/year | Charged at €7.65 per quarter per active account from April 2026. Waived for Sobrio, JAZZ and Kapsul holders and clients under 25. |
| Cards | €50/year | CB Visa debit card on its own; a Visa Premier costs €146 and a Visa Infinite €345 per year. The Sobrio package with a CB Visa runs €8.60 per month at the standard rate. |
| ATM withdrawals | €1.20/withdrawal | Beyond 3 free monthly withdrawals at other banks' euro-zone ATMs with a CB Visa. Premier and Infinite cards withdraw free without limit; over-the-counter withdrawals at another bank cost €3. |
| Foreign exchange | 2.70% + €1 | Per card payment over €10 outside the euro zone or in foreign currency with a standard card. Cash withdrawals cost €3 plus 2.70%; SG sells an Option Internationale from €11 per month to dodge its own commissions. |
| Overdraft | €8/incident | Commission d'intervention per irregular operation, capped at €80 per month. Agios carry a €7 minimum per quarter and the overdraft TAEG reached up to 23.48% on the Q4 2025 reference. |
| Transfers | €8 in branch | Per occasional SEPA transfer handled by an SG agent. Free from the app or Espace Client, including instant transfers. |
Questions people actually ask
Yes, €7.65 per quarter, €30.60 per year, per active account under the April 2026 tariff. Sobrio, JAZZ and Kapsul holders and under-25s are exempt.
The standard rate is €8.60 per month with a CB Visa and €15.90 with a Visa Premier in 2026. It includes the card and the maintenance fee exemption.
With a standard card, payments over €10 cost 2.70% plus €1 each and ATM withdrawals cost 2.70% plus €3 each. The bank then sells an Option Internationale from €11 per month to remove those commissions.
Online yes, including instant SEPA transfers. The same occasional transfer handled by an agent in branch costs €8.
Each irregularity triggers an €8 commission d'intervention, capped at €80 per month. On top come agios with a €7 quarterly minimum, at a TAEG that ran as high as 23.48% on the Q4 2025 reference.
Sources
Every number above comes from the bank's own documents.
Think your bank treats you better?
Upload a statement. Two minutes. Every fee they charged you, dragged into the light.
Analyze My Statement