{"id":2805,"date":"2026-11-03T14:55:47","date_gmt":"2026-11-03T13:55:47","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=2805"},"modified":"2026-11-03T14:57:04","modified_gmt":"2026-11-03T13:57:04","slug":"per-credit-agricole-60-sur-les-frais-sur-versements-meme-pour-les-contrats-existants","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/per-credit-agricole-60-sur-les-frais-sur-versements-meme-pour-les-contrats-existants","title":{"rendered":"PER Cr\u00e9dit Agricole : &#8211; 60% sur les frais sur versements, m\u00eame pour les contrats existants"},"content":{"rendered":"<p>Le Cr\u00e9dit Agricole ram\u00e8ne les frais sur versements de son <a href=\"https:\/\/www.toutsurmesfinances.com\/retraite\/plan-epargne-retraite-per.html\">plan d\u2019\u00e9pargne retraite (PER)<\/a> Assurance Perspective de 2,50% \u00e0 1% maximum, soit une baisse de 60%, a annonc\u00e9 sa filiale Cr\u00e9dit Agricole Assurances dans un communiqu\u00e9 publi\u00e9 ce mardi 3 novembre 2026.<\/p>\n<p>Sur un versement de 1 000 euros, les frais passent ainsi de 25 \u00e0 10 euros maximum. Cette r\u00e9duction b\u00e9n\u00e9ficie aussi bien aux nouveaux adh\u00e9rents qu\u2019aux d\u00e9tenteurs de contrats existants, en agence comme en ligne.<\/p>\n<p>Les frais d\u2019arbitrage en <a href=\"https:\/\/www.toutsurmesfinances.com\/placements\/assurance-vie-gestion-libre-conseillee-ou-sous-mandat-que-choisir.html\">gestion libre<\/a> (qui permet de choisir soi-m\u00eame ses supports d\u2019investissement au sein du contrat) sont supprim\u00e9s, contre 0,50% auparavant. Les frais de gestion diminuent aussi, mais le communiqu\u00e9 ne pr\u00e9cise pas les nouveaux taux. Pr\u00e9lev\u00e9s chaque ann\u00e9e sur l\u2019\u00e9pargne constitu\u00e9e, ils peuvent peser lourd sur le rendement \u00e0 long terme.<\/p>\n<p>Par ailleurs, les versements effectu\u00e9s depuis l\u2019application Ma Banque ou l\u2019espace client en ligne b\u00e9n\u00e9ficient de 0% de droits d\u2019entr\u00e9e en 2026 et 2027. Cette exon\u00e9ration ne concerne pas les versements r\u00e9alis\u00e9s en agence.<\/p>\n<p>Les montants minimums de versement baissent \u00e9galement. Le versement initial passe de 500 \u00e0 300 euros, les versements ponctuels de 250 \u00e0 100 euros et les versements programm\u00e9s de 50 \u00e0 30 euros par mois. Le seuil minimum d\u2019arbitrage est ramen\u00e9 de 500 \u00e0 100 euros.<\/p>\n<p>Autre nouveaut\u00e9 : le PER Assurance Perspective peut d\u00e9sormais \u00eatre souscrit enti\u00e8rement en ligne, depuis l\u2019application Ma Banque ou l\u2019espace client. Seule la gestion pilot\u00e9e, dans laquelle des professionnels g\u00e8rent les placements en fonction de la date pr\u00e9vue de d\u00e9part \u00e0 la retraite, y est propos\u00e9e pour l\u2019instant. La souscription en gestion libre n\u00e9cessite toujours un passage en agence.<\/p>\n<p>Avec ces baisses, Cr\u00e9dit Agricole Assurances ne cache pas son objectif\u00a0: \u00ab devenir ainsi le leader de la retraite individuelle en France \u00bb.<\/p>\n<p>LF\/JPD<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La banque mutualiste annonce une baisse notable des frais et des seuils de versement de son PER Assurance Perspective, pour les nouveaux clients comme pour les anciens.<\/p>\n","protected":false},"author":13718,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2805","post","type-post","status-publish","format-standard","hentry","category-a-la-une"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>PER Cr\u00e9dit Agricole : - 60% sur les frais sur versements, m\u00eame pour les contrats existants<\/title>\n<meta name=\"description\" content=\"PER Cr\u00e9dit Agricole : les frais sur versements du PER Assurance Perspective passent de 2,5% \u00e0 1%, y compris pour les contrats existants.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/per-credit-agricole-60-sur-les-frais-sur-versements-meme-pour-les-contrats-existants\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PER Cr\u00e9dit Agricole : - 60% sur les frais sur versements, m\u00eame pour les contrats existants\" \/>\n<meta property=\"og:description\" content=\"PER Cr\u00e9dit Agricole : les frais sur versements du PER Assurance Perspective passent de 2,5% \u00e0 1%, y compris pour les contrats existants.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/per-credit-agricole-60-sur-les-frais-sur-versements-meme-pour-les-contrats-existants\" \/>\n<meta property=\"og:site_name\" content=\"Actualit\u00e9s\" \/>\n<meta property=\"article:published_time\" content=\"2026-11-03T13:55:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-11-03T13:57:04+00:00\" \/>\n<meta name=\"author\" content=\"L&#039;\u00e9quipe de r\u00e9daction\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"L&#039;\u00e9quipe de r\u00e9daction\" \/>\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\":\"WebPage\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/per-credit-agricole-60-sur-les-frais-sur-versements-meme-pour-les-contrats-existants\",\"url\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/per-credit-agricole-60-sur-les-frais-sur-versements-meme-pour-les-contrats-existants\",\"name\":\"PER Cr\u00e9dit Agricole : - 60% sur les frais sur versements, m\u00eame pour les contrats existants\",\"isPartOf\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/#website\"},\"datePublished\":\"2026-11-03T13:55:47+00:00\",\"dateModified\":\"2026-11-03T13:57:04+00:00\",\"author\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/#\/schema\/person\/19a038f31d078d13966363e7ab7343c6\"},\"description\":\"PER Cr\u00e9dit Agricole : les frais sur versements du PER Assurance Perspective passent de 2,5% \u00e0 1%, y compris pour les contrats existants.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/per-credit-agricole-60-sur-les-frais-sur-versements-meme-pour-les-contrats-existants#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/per-credit-agricole-60-sur-les-frais-sur-versements-meme-pour-les-contrats-existants\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/per-credit-agricole-60-sur-les-frais-sur-versements-meme-pour-les-contrats-existants#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"PER Cr\u00e9dit Agricole : &#8211; 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