Beware of unfair bank fees (part II)
May 24th, 2010 | 
Author: Types of committees
Some institutions charge fees for inactivity, i.e., not using the account. They can come at six euros per semester for this reason.
Of course, also charge fees for an account, in this case come to pay between 10 and 55 per year, depending on the entity. You can expect to pay 0.4 euros for each transaction. To have uncovered the account is paid between 0.10 and 4.5% of the uncovered (at least between 3.01 and 15.03%).
To have a traditional credit card annual spending would be about 24 euros and the cost of a debit card from 3 euros to 12 euros per year. If you have a gold card, the amounts of commissions skyrocket. With the cards must be especially careful because the entities freely fees apply. It should not take money from the ATM of a body of competition, because it can cost a minimum of 2.5 euros commission.
Transfers are charged cheaper if done in the same entity, is charged between 0.05% and 0.50% of the amount transferred, with a minimum of 0.75 to 2.70 euros and if they are urgent charged between 0.20% and 0.50% with a minimum between 1.5 and 3.30 euros.
Without doubt, the kings of the committees or personal mortgage loans, as they may have opening costs 1.5 to 4% of the amount borrowed. Also charged early cancellation or previous study of the loan.
Consumer choices
If a bank charges a fee for a service rendered can not file a written complaint requested to return the amount paid.
To switch and domiciliary bank all receipts in another entity must apply to the new entity and tell them to charge to change all the debits and transfer the money from the account.
The client must be clear that is not bound to accept any commission that the entity wants to charge him, but he can claim better conditions and verify that what you are being charged is correct.
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