French bank fees: start with the exact fee label
French bank incident fees do not share one universal cap. An intervention charge, rejected cheque and rejected direct debit follow different rules; specific protections may also apply. Start with the label, underlying payment and fees already linked to the same incident. This checker compares an identified category with the stated rules without promising a refund or deciding whether you qualify for financial-vulnerability protections.
Source B1Source B2Julie by AlphaDeep is an AI legal assistant for French law, built for individuals and professionals, with sourced answers, document and case-file analysis, assisted drafting and team sharing. Compare AI legal assistants for French law.
Which numerical difference can I identify in my fees?
Identify the category before the amount. Fields unnecessary for the selected category do not affect the calculation. A result below a limit does not prove that the fee was owed.
Amount above the limit: €2.00
Fictional example · you can change the fields
Your entries stay on this page until you choose to continue.
Your preparation
Your numerical comparison to verify
- Declared fees: €10.00; reference limit: €8.00; amount above: €2.00.
- Monthly total: €86.00; limit: €80.00; difference: €6.00. Do not add these differences; they may overlap.
- This numerical observation establishes neither fees owed nor a refund entitlement.
| Category | Per operation | Monthly limit or scope |
|---|---|---|
| Intervention fee, general case | €8 | €80 per month of intervention fees |
| Intervention fee, covered offer | €4 | €20 per month of intervention fees |
| Rejected cheque ≤ €50 | €30 | Fees covered by the rejection rule |
| Rejected cheque > €50 | €50 | Fees covered by the rejection rule |
| Other rejected payment | The lower of: payment amount and €20 | Check repetition of the same operation |
Which label appears on the statement?
Identify an intervention charge, cheque rejection or other rejected-payment fee. Ask the bank to explain an ambiguous label. Source B1
Which cap applies to intervention charges?
In the stated general case, €8 per operation and €80 per month; specified offers have different caps. Source B2Source B3
How do I check a rejected cheque fee?
The cap is €30 for a cheque of €50 or less and €50 above that, for fees covered by this rule. Source B4
How do I check another rejected payment?
Covered fees cannot exceed the rejected payment-order amount or €20. Identify the underlying operation. Source B5
Was the same payment rejected repeatedly?
The rule provides reimbursement of fees beyond the first rejection of the same operation when that identity is established. Source B5
What happens in the other cases?
- General intervention fee
- €8 per operation and €80 per month in the general case. The monthly total covers intervention fees, not every bank fee.
- Confirmed specific offer
- €4 per operation and €20 per month for intervention fees under the covered offers. Verify that the offer is within the provision.
- Cheque or other rejection
- Cheque: €30 if its amount is at most €50, otherwise €50. Other rejection: at most the payment amount and €20. Identify covered fees.
- Repeated rejection
- For the same payment, evidence of operation identity matters for fees beyond the first rejection. The checker does not establish that identity.
Does a specified offer change the check?
Yes. Covered offers have an intervention-charge cap of €4 per operation and €20 per month; do not apply it to all fees. Source B3
What if information is missing?
Ask for the detailed label, operation, grouped fees and applicable offer. The tool never replaces missing information with zero.
How do I prepare a request for the bank’s explanation?
Connect the relevant entries to the rule to check, separating the numerical comparison from a refund entitlement.