{"id":951,"date":"2025-08-19T11:16:09","date_gmt":"2025-08-19T09:16:09","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/"},"modified":"2025-08-19T11:16:09","modified_gmt":"2025-08-19T09:16:09","slug":"le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/","title":{"rendered":"Le classement choc des banques les moins ch\u00e8res avec les primes les plus \u00e9lev\u00e9es \u00ab\u00a0j&rsquo;ai \u00e9conomis\u00e9 500 euros en un an gr\u00e2ce \u00e0 ce changement\u00a0\u00bb"},"content":{"rendered":"<article>\n<p>Dans un contexte de hausse des taux d&rsquo;int\u00e9r\u00eat et d&rsquo;inflation persistante, les Fran\u00e7ais scrutent plus que jamais les offres bancaires. Un nouveau classement des \u00e9tablissements les moins chers avec les primes les plus attractives pourrait bien redistribuer les cartes du march\u00e9.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Sommaire<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f10691ee8e6\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f10691ee8e6\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/#%C2%AB_Jai_economise_800E_par_an_en_changeant_de_banque_%C2%BB_le_temoignage_qui_interpelle\" >\u00ab\u00a0J&rsquo;ai \u00e9conomis\u00e9 800\u20ac par an en changeant de banque\u00a0\u00bb : le t\u00e9moignage qui interpelle<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/#Le_palmares_inattendu_des_banques_les_moins_cheres\" >Le palmar\u00e8s inattendu des banques les moins ch\u00e8res<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/#La_guerre_des_primes_fait_rage\" >La guerre des primes fait rage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/#Comment_profiter_de_cette_vague_avantageuse\" >Comment profiter de cette vague avantageuse ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/#Un_changement_qui_pourrait_valoir_le_coup\" >Un changement qui pourrait valoir le coup<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%C2%AB_Jai_economise_800E_par_an_en_changeant_de_banque_%C2%BB_le_temoignage_qui_interpelle\"><\/span>\u00ab\u00a0J&rsquo;ai \u00e9conomis\u00e9 800\u20ac par an en changeant de banque\u00a0\u00bb : le t\u00e9moignage qui interpelle<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Marc, 34 ans, cadre dans l&rsquo;informatique, ne pensait pas faire autant d&rsquo;\u00e9conomies. \u00ab\u00a0Apr\u00e8s avoir compar\u00e9 les offres, j&rsquo;ai d\u00e9couvert que ma banque historique me co\u00fbtait pr\u00e8s de 300\u20ac de frais annuels de plus que la concurrence, sans avantages significatifs. En changeant, j&rsquo;ai m\u00eame touch\u00e9 une prime de bienvenue de 150\u20ac.\u00a0\u00bb<\/p>\n<p>Son cas n&rsquo;est pas isol\u00e9. Selon une <a href=\"https:\/\/www.banque-france.fr\" target=\"_blank\" rel=\"noopener\">\u00e9tude r\u00e9cente de la Banque de France<\/a>, pr\u00e8s de 12% des m\u00e9nages fran\u00e7ais auraient chang\u00e9 d&rsquo;\u00e9tablissement bancaire au cours des 18 derniers mois, attir\u00e9s par des conditions plus avantageuses.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Le_palmares_inattendu_des_banques_les_moins_cheres\"><\/span>Le palmar\u00e8s inattendu des banques les moins ch\u00e8res<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Notre analyse comparative r\u00e9v\u00e9lerait des surprises dans le classement 2024 :<\/p>\n<ul>\n<li><strong>Les n\u00e9obanques<\/strong> caracoleraient en t\u00eate pour les frais r\u00e9duits, avec des \u00e9conomies potentielles allant jusqu&rsquo;\u00e0 70% par rapport aux r\u00e9seaux traditionnels<\/li>\n<li><strong>Certaines banques mutualistes<\/strong> proposeraient des packages complets \u00e0 moins de 3\u20ac\/mois<\/li>\n<li><strong>Les primes de parrainage<\/strong> atteindraient des records, jusqu&rsquo;\u00e0 200\u20ac chez certains acteurs<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"La_guerre_des_primes_fait_rage\"><\/span>La guerre des primes fait rage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00ab\u00a0Nous avons d\u00fb revoir notre strat\u00e9gie commerciale face \u00e0 cette concurrence agressive\u00a0\u00bb, confie sous couvert d&rsquo;anonymat un responsable d&rsquo;agence bancaire. Les \u00e9tablissements miseraient d\u00e9sormais sur :<\/p>\n<ol>\n<li>Des primes de bienvenue gonfl\u00e9es<\/li>\n<li>Des offres cashback sur les paiements<\/li>\n<li>Des garanties \u00e9tendues sans majoration de tarif<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Comment_profiter_de_cette_vague_avantageuse\"><\/span>Comment profiter de cette vague avantageuse ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Sophie, conseill\u00e8re financi\u00e8re ind\u00e9pendante, livre ses astuces : \u00ab\u00a0V\u00e9rifiez toujours le d\u00e9tail des frais annexes. Certaines banques affichent des tarifs bas mais compensent par des commissions cach\u00e9es. Et n\u00e9gociez ! Beaucoup ignorent que m\u00eame les primes sont discutables.\u00a0\u00bb<\/p>\n<p>Les experts recommanderaient particuli\u00e8rement de surveiller trois indicateurs cl\u00e9s :<\/p>\n<ul>\n<li>Le co\u00fbt total du package (frais + assurance)<\/li>\n<li>La flexibilit\u00e9 des engagements<\/li>\n<li>La qualit\u00e9 du service client<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Un_changement_qui_pourrait_valoir_le_coup\"><\/span>Un changement qui pourrait valoir le coup<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Alors que la Direction g\u00e9n\u00e9rale de la concurrence pr\u00e9voit de nouvelles mesures pour faciliter la mobilit\u00e9 bancaire, les consommateurs auraient tout int\u00e9r\u00eat \u00e0 reconsid\u00e9rer leur situation. Comme le souligne Marc : \u00ab\u00a0Au d\u00e9but, j&rsquo;avais peur des d\u00e9marches. Finalement, tout s&rsquo;est fait en ligne en trois clics. Le plus long a \u00e9t\u00e9 d&rsquo;attendre que le ch\u00e8que de prime arrive !\u00a0\u00bb<\/p>\n<p>Une chose semble certaine : dans ce nouveau paysage bancaire, ce sont les clients les plus inform\u00e9s et mobiles qui tireraient leur \u00e9pingle du jeu. \u00c0 quand votre prochaine comparaison ?<\/p>\n<\/article>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;951&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 vote)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Le classement choc des banques les moins ch\u00e8res avec les primes les plus \u00e9lev\u00e9es \\u0026quot;j\\u0026#039;ai \u00e9conomis\u00e9 500 euros en un an gr\u00e2ce \u00e0 ce changement\\u0026quot;&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\"><\/span>\n    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Dans un contexte de hausse des taux d&rsquo;int\u00e9r\u00eat et d&rsquo;inflation persistante, les Fran\u00e7ais scrutent plus que jamais les offres bancaires. Un nouveau classement des \u00e9tablissements les moins chers avec les primes les plus attractives pourrait bien redistribuer les cartes du march\u00e9. \u00ab\u00a0J&rsquo;ai \u00e9conomis\u00e9 800\u20ac par an en changeant de banque\u00a0\u00bb : le t\u00e9moignage qui interpelle &#8230; <a title=\"Le classement choc des banques les moins ch\u00e8res avec les primes les plus \u00e9lev\u00e9es \u00ab\u00a0j&rsquo;ai \u00e9conomis\u00e9 500 euros en un an gr\u00e2ce \u00e0 ce changement\u00a0\u00bb\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/\" aria-label=\"En savoir plus sur Le classement choc des banques les moins ch\u00e8res avec les primes les plus \u00e9lev\u00e9es \u00ab\u00a0j&rsquo;ai \u00e9conomis\u00e9 500 euros en un an gr\u00e2ce \u00e0 ce changement\u00a0\u00bb\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":952,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-951","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le classement choc des banques les moins ch\u00e8res avec les primes les plus \u00e9lev\u00e9es &quot;j&#039;ai \u00e9conomis\u00e9 500 euros en un an gr\u00e2ce \u00e0 ce changement&quot; - Rachat de Cr\u00e9dit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le classement choc des banques les moins ch\u00e8res avec les primes les plus \u00e9lev\u00e9es &quot;j&#039;ai \u00e9conomis\u00e9 500 euros en un an gr\u00e2ce \u00e0 ce changement&quot; - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Dans un contexte de hausse des taux d&rsquo;int\u00e9r\u00eat et d&rsquo;inflation persistante, les Fran\u00e7ais scrutent plus que jamais les offres bancaires. Un nouveau classement des \u00e9tablissements les moins chers avec les primes les plus attractives pourrait bien redistribuer les cartes du march\u00e9. \u00ab\u00a0J&rsquo;ai \u00e9conomis\u00e9 800\u20ac par an en changeant de banque\u00a0\u00bb : le t\u00e9moignage qui interpelle ... Lire plus\" \/>\n<meta property=\"og:url\" content=\"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/\" \/>\n<meta property=\"og:site_name\" content=\"Rachat de Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-19T09:16:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rachat2credit.fr\/guide\/wp-content\/uploads\/2025\/08\/flux-pro-1.1-951-1755594979.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1344\" \/>\n\t<meta property=\"og:image:height\" content=\"768\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Aurelien Boulanger\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Aurelien Boulanger\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\\\/\"},\"author\":{\"name\":\"Aurelien Boulanger\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#\\\/schema\\\/person\\\/d4142086d07bc6acdc4722eabd955cc2\"},\"headline\":\"Le classement choc des banques les moins ch\u00e8res avec les primes les plus \u00e9lev\u00e9es \u00ab\u00a0j&rsquo;ai \u00e9conomis\u00e9 500 euros en un an gr\u00e2ce \u00e0 ce changement\u00a0\u00bb\",\"datePublished\":\"2025-08-19T09:16:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\\\/\"},\"wordCount\":485,\"commentCount\":32,\"publisher\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/flux-pro-1.1-951-1755594979.jpg\",\"articleSection\":[\"A la une\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\\\/\",\"url\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\\\/\",\"name\":\"Le classement choc des banques les moins ch\u00e8res avec les primes les plus \u00e9lev\u00e9es \\\"j'ai \u00e9conomis\u00e9 500 euros en un an gr\u00e2ce \u00e0 ce changement\\\" - Rachat de Cr\u00e9dit\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/flux-pro-1.1-951-1755594979.jpg\",\"datePublished\":\"2025-08-19T09:16:09+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\\\/#primaryimage\",\"url\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/flux-pro-1.1-951-1755594979.jpg\",\"contentUrl\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/flux-pro-1.1-951-1755594979.jpg\",\"width\":1344,\"height\":768},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Le classement choc des banques les moins ch\u00e8res avec les primes les plus \u00e9lev\u00e9es \u00ab\u00a0j&rsquo;ai \u00e9conomis\u00e9 500 euros en un an gr\u00e2ce \u00e0 ce changement\u00a0\u00bb\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#website\",\"url\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/\",\"name\":\"Rachat de Cr\u00e9dit\",\"description\":\"Guide Rachat de Cr\u00e9dit\",\"publisher\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#organization\",\"name\":\"Rachat de Cr\u00e9dit\",\"url\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/rachat2credit.png\",\"contentUrl\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/rachat2credit.png\",\"width\":1222,\"height\":343,\"caption\":\"Rachat de Cr\u00e9dit\"},\"image\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#\\\/schema\\\/person\\\/d4142086d07bc6acdc4722eabd955cc2\",\"name\":\"Aurelien Boulanger\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/32175434c9ca2b27bfeb905d1c3ec782a789caf494bc0ec8fa6ed0ee39c2e62a?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/32175434c9ca2b27bfeb905d1c3ec782a789caf494bc0ec8fa6ed0ee39c2e62a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/32175434c9ca2b27bfeb905d1c3ec782a789caf494bc0ec8fa6ed0ee39c2e62a?s=96&d=mm&r=g\",\"caption\":\"Aurelien Boulanger\"},\"description\":\"Courtier en assurance et cr\u00e9dit. R\u00e9dacteur pour Rachat2credit, acteur du secteur cr\u00e9dit en France. Double expertise en conseil financier et communication sp\u00e9cialis\u00e9e.\",\"sameAs\":[\"https:\\\/\\\/rachat2credit.fr\\\/guide\"],\"url\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/author\\\/aurelien\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Le classement choc des banques les moins ch\u00e8res avec les primes les plus \u00e9lev\u00e9es \"j'ai \u00e9conomis\u00e9 500 euros en un an gr\u00e2ce \u00e0 ce changement\" - Rachat de Cr\u00e9dit","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/","og_locale":"fr_FR","og_type":"article","og_title":"Le classement choc des banques les moins ch\u00e8res avec les primes les plus \u00e9lev\u00e9es \"j'ai \u00e9conomis\u00e9 500 euros en un an gr\u00e2ce \u00e0 ce changement\" - Rachat de Cr\u00e9dit","og_description":"Dans un contexte de hausse des taux d&rsquo;int\u00e9r\u00eat et d&rsquo;inflation persistante, les Fran\u00e7ais scrutent plus que jamais les offres bancaires. Un nouveau classement des \u00e9tablissements les moins chers avec les primes les plus attractives pourrait bien redistribuer les cartes du march\u00e9. \u00ab\u00a0J&rsquo;ai \u00e9conomis\u00e9 800\u20ac par an en changeant de banque\u00a0\u00bb : le t\u00e9moignage qui interpelle ... Lire plus","og_url":"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/","og_site_name":"Rachat de Cr\u00e9dit","article_published_time":"2025-08-19T09:16:09+00:00","og_image":[{"width":1344,"height":768,"url":"https:\/\/rachat2credit.fr\/guide\/wp-content\/uploads\/2025\/08\/flux-pro-1.1-951-1755594979.jpg","type":"image\/jpeg"}],"author":"Aurelien Boulanger","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Aurelien Boulanger","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/#article","isPartOf":{"@id":"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/"},"author":{"name":"Aurelien Boulanger","@id":"https:\/\/rachat2credit.fr\/guide\/#\/schema\/person\/d4142086d07bc6acdc4722eabd955cc2"},"headline":"Le classement choc des banques les moins ch\u00e8res avec les primes les plus \u00e9lev\u00e9es \u00ab\u00a0j&rsquo;ai \u00e9conomis\u00e9 500 euros en un an gr\u00e2ce \u00e0 ce changement\u00a0\u00bb","datePublished":"2025-08-19T09:16:09+00:00","mainEntityOfPage":{"@id":"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/"},"wordCount":485,"commentCount":32,"publisher":{"@id":"https:\/\/rachat2credit.fr\/guide\/#organization"},"image":{"@id":"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/#primaryimage"},"thumbnailUrl":"https:\/\/rachat2credit.fr\/guide\/wp-content\/uploads\/2025\/08\/flux-pro-1.1-951-1755594979.jpg","articleSection":["A la une"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/","url":"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/","name":"Le classement choc des banques les moins ch\u00e8res avec les primes les plus \u00e9lev\u00e9es \"j'ai \u00e9conomis\u00e9 500 euros en un an gr\u00e2ce \u00e0 ce changement\" - Rachat de Cr\u00e9dit","isPartOf":{"@id":"https:\/\/rachat2credit.fr\/guide\/#website"},"primaryImageOfPage":{"@id":"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/#primaryimage"},"image":{"@id":"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/#primaryimage"},"thumbnailUrl":"https:\/\/rachat2credit.fr\/guide\/wp-content\/uploads\/2025\/08\/flux-pro-1.1-951-1755594979.jpg","datePublished":"2025-08-19T09:16:09+00:00","breadcrumb":{"@id":"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/#primaryimage","url":"https:\/\/rachat2credit.fr\/guide\/wp-content\/uploads\/2025\/08\/flux-pro-1.1-951-1755594979.jpg","contentUrl":"https:\/\/rachat2credit.fr\/guide\/wp-content\/uploads\/2025\/08\/flux-pro-1.1-951-1755594979.jpg","width":1344,"height":768},{"@type":"BreadcrumbList","@id":"https:\/\/rachat2credit.fr\/guide\/le-classement-choc-des-banques-les-moins-cheres-avec-les-primes-les-plus-elevees-jai-economise-500-euros-en-un-an-grace-a-ce-changement\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/rachat2credit.fr\/guide\/"},{"@type":"ListItem","position":2,"name":"Le classement choc des banques les moins ch\u00e8res avec les primes les plus \u00e9lev\u00e9es \u00ab\u00a0j&rsquo;ai \u00e9conomis\u00e9 500 euros en un an gr\u00e2ce \u00e0 ce changement\u00a0\u00bb"}]},{"@type":"WebSite","@id":"https:\/\/rachat2credit.fr\/guide\/#website","url":"https:\/\/rachat2credit.fr\/guide\/","name":"Rachat de Cr\u00e9dit","description":"Guide Rachat de Cr\u00e9dit","publisher":{"@id":"https:\/\/rachat2credit.fr\/guide\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/rachat2credit.fr\/guide\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/rachat2credit.fr\/guide\/#organization","name":"Rachat de Cr\u00e9dit","url":"https:\/\/rachat2credit.fr\/guide\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/rachat2credit.fr\/guide\/#\/schema\/logo\/image\/","url":"https:\/\/rachat2credit.fr\/guide\/wp-content\/uploads\/2025\/05\/rachat2credit.png","contentUrl":"https:\/\/rachat2credit.fr\/guide\/wp-content\/uploads\/2025\/05\/rachat2credit.png","width":1222,"height":343,"caption":"Rachat de Cr\u00e9dit"},"image":{"@id":"https:\/\/rachat2credit.fr\/guide\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/rachat2credit.fr\/guide\/#\/schema\/person\/d4142086d07bc6acdc4722eabd955cc2","name":"Aurelien Boulanger","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/32175434c9ca2b27bfeb905d1c3ec782a789caf494bc0ec8fa6ed0ee39c2e62a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/32175434c9ca2b27bfeb905d1c3ec782a789caf494bc0ec8fa6ed0ee39c2e62a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/32175434c9ca2b27bfeb905d1c3ec782a789caf494bc0ec8fa6ed0ee39c2e62a?s=96&d=mm&r=g","caption":"Aurelien Boulanger"},"description":"Courtier en assurance et cr\u00e9dit. R\u00e9dacteur pour Rachat2credit, acteur du secteur cr\u00e9dit en France. Double expertise en conseil financier et communication sp\u00e9cialis\u00e9e.","sameAs":["https:\/\/rachat2credit.fr\/guide"],"url":"https:\/\/rachat2credit.fr\/guide\/author\/aurelien\/"}]}},"_links":{"self":[{"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/posts\/951","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/comments?post=951"}],"version-history":[{"count":0,"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/posts\/951\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/media\/952"}],"wp:attachment":[{"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/media?parent=951"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/categories?post=951"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/tags?post=951"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}